CN108009808B - Function expansion method and device for group account - Google Patents
Function expansion method and device for group account Download PDFInfo
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- CN108009808B CN108009808B CN201711213464.0A CN201711213464A CN108009808B CN 108009808 B CN108009808 B CN 108009808B CN 201711213464 A CN201711213464 A CN 201711213464A CN 108009808 B CN108009808 B CN 108009808B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
Abstract
The invention provides a function expansion method and device for a group account, and relates to the technical field of network communication. A function expansion method of group accounts comprises the following steps: establishing a group funding account for the group; and collecting the operation information of depositing money by the group members of the group, wherein the account balance of the group fund account is correspondingly increased. According to the invention, by setting up the group fund account, the group members can deposit funds into the account, and when the group needs to pay externally, the group members can decide to use the public fund account of the group to pay externally together, so that the functions of the current group are expanded, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of network communication.
Background
With the development of computer technology, people are more and more accustomed to using computer networks for information exchange. The communication group becomes a common tool for people to communicate information, for example, in daily life, people often chat through communication groups such as a QQ group, a wechat group, or a microblog friend.
Group members often organize group activities, and group consumption often occurs in the process, and the group consumption often requires individual sharing among the participating group members. At present, after group consumption needing individual sharing occurs, one group member generally pays for the money, and other members pay the portion which the individual should bear to the buyer according to the consumption amount. The disadvantages of this approach are mainly: one, the other group members may not have enough change. Second, it is easy to forget. Third, settlement is unchanged and the process is cumbersome. Fourthly, after a plurality of times of uncertain group consumption of group members, the accounting and settlement are difficult.
Meanwhile, with the development of online payment, the following method is generally adopted for online payment in group applications of the existing group: for example, the Paibao account of a group member in the group is used as a public fund account, so that transfer of group personnel in mobile phone software is facilitated, group external payment is also made through the personal account of the group member, and before payment, people ask for approval payment through the consciousness of the group member. Of course, the supervision difficulty is high due to the personal account number. As for the public fund source approach of the group, the traditional method needs to be adopted, the payment is prompted by manpower, and the like, which brings great inconvenience to the group users.
Disclosure of Invention
The invention aims to: the defects of the prior art are overcome, and a group account function expansion method and device are provided. The group fund account is set, the group members can deposit funds into the account, and when the group needs to pay outwards, the group members can decide to use the public fund account of the group to pay outwards together; further, group members can manage and inquire the group fund accounts, the functions of the current group are expanded, and the user experience is improved.
In order to achieve the above object, the present invention provides the following technical solutions.
A function expansion method of group accounts comprises the following steps: establishing a group funding account for the group; and collecting the operation information of depositing money by the group members of the group, wherein the account balance of the group fund account is correspondingly increased.
Further, acquiring consumption information of the group fund account to obtain consumption amount; and reducing the account balance of the group fund account according to the consumption amount.
Preferably, after the acquisition of the consumption amount, the method further comprises the step of,
sending the consumption information to group members of the group;
after the confirmation information that the group member approves the consumption is collected, the consumption is judged to be effective;
and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
Further, when the account balance of the group fund account is displayed, the related group members related to the balance and the share of the related group members in the balance are displayed.
Further, collecting consumption information of a group fund account, and judging group member information related in the consumption information;
sending the consumption information to the related group members;
collecting the confirmation information that the group member approves the consumption, and then judging that the consumption is effective;
and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
Preferably, the step of determining that the consumption is valid is,
collecting the number of group members who approve the consumption and the number of group members who do not approve the consumption, and calculating the proportion of the group members who approve the message;
comparing the calculated ratio with a preset ratio threshold;
and when the proportion exceeds a preset proportion threshold value, judging that the consumption is effective.
Further, the consumption mode of the group fund account comprises an apportionment payment mode, an appointed payment mode or a surcharge payment mode.
Further, any group member in the group may operate the payment function of the group funding account; and when the payment operation information of the group member is collected, judging that the payment operation does not relate to other group members except the group member and the payment amount is not more than the personal money of the group member, and finishing the payment through the group fund account.
Further, when the personal balance of the group member is not enough for payment, the group fund account is paid for the payment, and the personal bill of the group member is generated according to the payment amount; and sending the individual bill to the group member through an electronic bill or an entity bill.
Further, when the personal balance of the group member is less than the preset amount or less than the standard amount requirement negotiated by the group member, generating the payment prompting information aiming at the group member, and sending the payment prompting information to the group member through an electronic bill or an entity bill.
Further, the payment information and the payment result of the group fund account are collected, and the payment information and the payment result of the group member are recorded in the account information of the group fund account for verification and query of the group member.
Further, setting a personal fund inquiry entrance aiming at group members in the group; and collecting a trigger message of the personal fund inquiry entrance, and outputting the personal fund transaction record of the group members.
Further, the group fund account is bound with the individual financial accounts of the group members, and the transferred fund of the individual financial account can be acquired.
The invention also provides a group account setting device, which comprises the following steps:
a group establishing unit for establishing a group including at least one group member;
the group setting unit is connected with the group establishing unit and used for establishing a group fund account aiming at the established group;
and the transaction management unit is connected with the group setting unit and is used for acquiring the operation information of depositing money by the group members of the group, and the account balance of the group fund account is correspondingly increased.
Furthermore, the transaction management unit can acquire consumption information of the group fund account to obtain consumption amount, and account balance of the group fund account is reduced according to the consumption amount.
Due to the adoption of the technical scheme, compared with the prior art, the invention has the advantages and positive effects that the method is taken as an example and is not limited: by setting up a group fund account, any group member can deposit fund into the account, and when the group needs to pay outwards, the group members can decide to use the public fund account of the group to pay outwards together; further, group members can manage and inquire the group fund accounts, the functions of the current group are expanded, and the user experience is improved.
Drawings
Fig. 1 is a flowchart of a function expansion method for a group account according to an embodiment of the present invention.
Fig. 2 to fig. 3 are exemplary diagrams of interfaces with group fund account portals according to an embodiment of the present invention.
Fig. 4 to 8 are exemplary diagrams of user interfaces of group fund accounts provided by the embodiment of the present invention.
Fig. 9 is a block diagram of a group account setting apparatus according to an embodiment of the present invention.
The numbers in the figures are as follows:
the group account setting device 100, the group establishing unit 110, the group setting unit 120 and the transaction management unit 130;
a contact group communication interactive interface 300, a group identification display field 310, an interactive information display field 320, an interactive information input field 330, a group application field 340, a group member display field 350, and a group fund account entry 360;
group funds account host interface 400, group identification display 410, group account base application display 420, group account other application display 430, individual account application 440, deposit settings entry 441.
Detailed Description
The function expanding method and device for group accounts provided by the invention are further described in detail below with reference to the accompanying drawings and specific embodiments. It should be noted that technical features or combinations of technical features described in the following embodiments should not be considered as being isolated, and they may be combined with each other to achieve better technical effects. In the drawings of the embodiments described below, the same reference numerals appearing in the respective drawings denote the same features or components, and may be applied to different embodiments.
It should be noted that the structures, proportions, sizes, and other dimensions shown in the drawings and described in the specification are only for the purpose of understanding and reading the present disclosure, and are not intended to limit the scope of the invention, which is defined by the claims, and any modifications of the structures, changes in the proportions and adjustments of the sizes and other dimensions, which are within the scope of the invention and the full scope of the invention. The scope of the preferred embodiments of the present invention includes additional implementations in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present invention.
Examples
Referring to fig. 1, a method for expanding the functions of a group account includes the following steps:
s100, a group fund account is set up aiming at the group.
The invention is based on the group concept, a group can have a plurality of group members, a group fund account is set for the group as a common fund account, and the group fund account can be a virtual fund account. Reliable revenue and pay funds to the outside world are achieved by determining a unique corresponding account name (preferably a group name) for the group funds account.
New members may join the group at any time. According to the prior art, each group may also have one or more administrators, and only administrators may manage group members and group accounts.
After the group funding accounts are established for the group, a group funding account portal may be provided at the communication tool host interface and/or the group interaction interface to facilitate user access to the group funding accounts. In the following, a communication tool, which may be QQ, wechat, LINE, or the like, is described as an example.
Referring to fig. 2, the instant messaging user interface 200 displays a user avatar display bar 210, below which the user avatar display bar 210 is a search bar and a toolbar. The first position in the toolbar is a contact person tool control, when the contact person tool control is activated, the user interface can output a contact person list, and information presented in the contact person list can comprise a contact person head portrait, a contact person nickname and the like. After contacting the human tool control, the group tool control 240 is provided, and when the group tool control 240 is activated, the user interface may output a group list 241 shown in fig. 2, where group member 242 information is presented in the group list 241, and the group member information may include a group head portrait, a group nickname, and the like. In this embodiment, a group fund account entry 243 is provided on the left side of the group member 242, where the group fund account entry 243 may be specifically a trigger control, and when a user triggers the trigger control, the user may enter a group fund account page, as shown in fig. 4.
The group funding account portal 360 may also be provided in the communication interface of the group. Referring to FIG. 3, the contact crowd communication interface 300 includes a group identification display field 310, an interaction information display field 320, an interaction information input field 330, a group application field 340, and a group member display field 350. The group application column 340 is provided with applications such as group announcements and group files. Wherein, corresponding to the group announcement area, the group activity information can be displayed. Other functions of the group application of the group communication interactive interface can refer to communication group functions in the prior art, and are not described herein again. The group member display column 350 displays all group members for the group.
A group toolbar is provided below the group identification display bar 310, including a group funding account portal 360. The group fund account entry 360 may specifically be a trigger control, and when the user triggers the trigger control, the user may enter the group fund account page, as shown in fig. 4.
S200, collecting the operation information of depositing money by the group members of the group, and correspondingly increasing the account balance of the group fund account.
Preferably, for each group member of the group, a secondary sub-account may be set under the group fund account, and each group member correspondingly sets an independent secondary sub-account to record personal consumption information. If a group member deposits money into the group fund account, the balance of the group fund account is correspondingly increased, and the balance of the individual sub-account is also correspondingly increased. By way of example and not limitation, for example, if a group name of a certain QQ group is "physical 2003 level", a group fund account is set for the group, an account name of the group fund account is "physical 2003 level", an initial balance of the account is 0 yuan, three group members in the group deposit money into the group fund account for 1000 yuan on a certain day, and six group members deposit money for 800 yuan, the balance of the group fund account becomes 1800 yuan, and balances of secondary sub-accounts corresponding to three and four group members are 1000 yuan and 800 yuan respectively. Preferably, when the account balance of the group fund account is displayed, the related group members related to the balance and the share of the related group members in the balance are displayed.
In this embodiment, the group fund account may also perform online payment, and the balance may be correspondingly deducted according to the consumption amount. Specifically, collecting consumption information of a group fund account to obtain a consumption amount; and reducing the account balance of the group fund account according to the consumption amount.
In order to make the fund in the group fund account public and transparent, it is preferable that when the balance of the account is reduced, whether the consumption is effective consumption is determined, and in the case of effective consumption, the group fund account is deducted. Specifically, after the consumption amount is obtained, the consumption information is sent to group members of the group; after the confirmation information that the group member approves the consumption is collected, the consumption is judged to be effective; and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
In order to improve the management efficiency of the group account, a few majority-compliant principles are adopted after the approval information of the group members is acquired. Specifically, the consumption is judged to be effective by collecting the number of group members who approve the consumption and the number of group members who do not approve the consumption, and calculating the proportion of the group members who approve the message; comparing the calculated ratio with a preset ratio threshold; and when the proportion exceeds a preset proportion threshold value, judging that the consumption is effective.
For example, but not by way of limitation, if the group members are 80, and the preset proportion threshold is set to 70%, then for a certain group consumption behavior, when the number of members approved for consumption in the group members exceeds 56, the group consumption is determined to be valid, and the group consumption can be paid through the group fund account; and reducing the account balance of the group fund account according to the consumption amount of the group consumption.
By adopting the above mode, for the consumption behaviors related to the group fund account common to the group members, the operation of adjusting the account balance and recording the consumption information can be effective only through the confirmation of the group members, so that the fund disclosure of the group fund account can be realized and monopoly can be avoided.
In another embodiment of this embodiment, the group member related to the consumption may be approved by the consumption payment operation of the group fund account, and the group member not related to the consumption does not need to acquire the approval information. Specifically, collecting consumption information of a group fund account, and judging group member information related in the consumption information; sending the consumption information to the related group members; collecting the confirmation information that the group member approves the consumption, and then judging that the consumption is effective; and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
The above approach is particularly applicable to the behavior of group consumption generated by some members in the group, not all members. By way of example and not limitation, for example, 80 group members of the aforementioned "physical 2003-level" QQ group may be present, and only five of the group members Zhang three, Li four, Li, Xiao and Zhang Yan may be present for a group event that results in a consumption of 500 dollars, and when a payment is made via the group funding account, only 5 of the aforementioned persons may be selected for payment. Deducting 500 yuan from the group fund account, wherein the 500 yuan is deducted from the secondary sub-accounts corresponding to Zhang III, Li IV, Li, Xiao and Zhang Yan of the group members, and the balance in the secondary sub-accounts of other group members not related to the secondary group activity is unchanged. Since the consumption behavior only relates to the group members, only the confirmation information that the group members approve the consumption can be collected.
In this embodiment, the consuming manner of the group fund account may include: apportionment payment means, designated payment means or payment by surcharge means.
In this embodiment, any member of the group may operate the payment function of the group funding account. Any group member can operate all functions of the group fund account, and not only a group builder or a group fund account opener can operate the group fund account to realize fund disclosure transparency of the group fund account and avoid monopoly; meanwhile, a corresponding secondary sub-account is set for each group member under the group fund account, so that possible confusion caused by the fact that any one group member can operate the group fund account function is avoided.
Specifically, when the payment operation message of the group member is collected, and the payment operation is judged not to involve other group members except the group member and the payment amount is not larger than the personal money of the group member, the payment is completed through the group fund account, and the payment amount is independently borne by the group member at the moment, so that the balance of the personal account of the group member is deducted.
And when the payment operation is judged to relate to other group members except the group member or the payment amount is larger than the personal money of the group member, the consumption information related to the payment operation is sent through the group message, and the payment can be completed through the group fund account under the condition that the group member approves the effective consumption.
Preferably, the group member can also be adopted to start the operation of payment authorization, and the consumption of the group fund account does not need to be approved by the group member; when the group member closes the aforementioned payment authorization, the consumption of the group funding account needs to be subject to the group member's consent.
Further, for the group member individuals, temporary relief for the individuals can also be realized through the group fund account so as to improve the payment efficiency to a certain extent. Specifically, when the personal balance of the group member is not enough for payment, the group fund account is paid for the group member, and the personal bill of the group member is generated according to the payment amount; and sending the individual bill to the group member through an electronic bill or an entity bill. The multiple technical scheme methods are mutually coupled and effectively combined to effectively realize that the group fund accounts keep open and transparent to group personnel and human operability, thereby avoiding specialization and monopoly, and more importantly, ensuring the orderly operation and management of the group fund accounts so as not to be confused.
In this embodiment, when the personal balance of the group member is less than the preset amount or less than the standard amount requirement negotiated by the group member, the payment promotion information for the group member is generated, and the payment promotion information is sent to the group member through an electronic bill or an entity bill. By way of example and not limitation, such as where group members are in insufficient balance for a group funding account, each group member is negotiated to deposit 100 dollars into the group funding account within three days. However, since the group member lie does not log in the group for a long time and does not know the information, the lie does not deposit 100 dollars into the group fund account within 3 days, and then, a payment urging information can be generated for the lie, and preferably, the payment urging information is sent to the lie through an electronic bill or an entity bill to inform her.
In this embodiment, an account query function is set for the group fund account. Specifically, the payment information and the payment result of the group fund account are collected, and the payment information and the payment result of the group member are recorded in the account information of the group fund account for verification and query of the group member. Meanwhile, aiming at group members in the group, setting a personal fund inquiry entrance; and collecting a trigger message of the personal fund inquiry entrance, and outputting the personal fund transaction record of the group members. Therefore, each operation on the group fund account is recorded in the related information of the group fund account, so that the group personnel can conveniently check the operation, and the third-party organization can conveniently inquire and verify the operation.
Preferably, the group fund account is bound with the individual financial accounts of the group members, and the transferred funds of the individual financial accounts can be acquired.
Specific functions of the group funding accounts are described below in conjunction with fig. 4-8.
Referring to fig. 4, after a user triggers a group funds account entry, a group funds account home interface 400 may be entered.
The group funds account main interface 400 includes: a group identification display field 410, a group account base application display field 420, a group account other application display field 430, and a personal account application field 440.
The group identification display column 410 may display a group avatar, group funding account name, etc., such as the group funding account name "MBA-2014 level" in fig. 4.
The group account base application display field 420 may display a base application of the group account, such as, for example and without limitation, a group account balance application may be set, and a collection application portal and a payment application portal may be set to collect or pay using the group fund account. Corresponding detail information is also respectively set for balance, collection and payment applications, and a user can check balance information detail, collection information detail and payment information detail by clicking the detail.
Referring to fig. 5, the balance information output after triggering the balance details is illustrated. By way of example and not limitation, balance information of secondary sub-accounts of individual group members of the group is displayed in the balance details. In the user interface, the user can also click on the 'account query' on the right side of the balance to query specific information of the balance of the group fund account, such as deposit information, payment information and the like. Correspondingly, for the balance of the secondary sub-account corresponding to each group member, the user can also query the consumption, withdrawal, special money information and the like of the sub-account by triggering the subsequent 'going query'. Of course, it should be noted that, if the balance destination information of the personal sub-account is set by a user of a certain group member and is not disclosed to the outside, after triggering "destination query" by other group members, a prompt message "the member sets the balance destination information not disclosed to the outside" may be output.
The group account other application display column 430 is used to display other applications associated or bound with the group fund account, such as red envelope, life payment, taxi, ticket purchase, hotel booking, etc.
The personal account application column 440 is used for the aforementioned user to perform account setting, for example and without limitation, the aforementioned user is Austus in fig. 2, and the personal account application column 440 is provided with a deposit setting entry 441, a financing entry and an account setting entry. The user Austus can start a deposit function through the deposit setting inlet 441 to deposit money into the group fund account, and meanwhile, the balance of the secondary sub-account of the Austus under the group fund account is correspondingly increased.
Referring to fig. 6, for example, the user Austus finds that the balance of his own personal account is only 120 yuan, and deposits money to the group fund account. The user enters the interface shown in fig. 6 by clicking the deposit setting entry 441, and enters the next step after the deposit amount 200 is selected on the interface and the payment mode is "pay for treasure", and the user interface shown in fig. 7 is output; after the Austus confirms the deposit information, the Austus clicks the confirmation control to finish the deposit operation of the group fund account.
Referring to fig. 8, after the deposit is successful, the balance of the group fund account is changed from 3000 yuan to 3200 yuan, and meanwhile, the balance of the secondary sub-account (i.e. the individual account) corresponding to the user Austus is changed from 120 to 320 yuan.
Referring to fig. 9, a group account setup apparatus is provided for another embodiment of the present invention.
The group account setting apparatus 100 includes the steps of:
a group establishing unit 110 for establishing a group including at least one group member;
a group setting unit 120 connected to the group establishing unit 110 for establishing a group fund account for the established group;
the transaction management unit 130 is connected to the group setting unit 120, and configured to collect an operation message of depositing money by group members of the group, where an account balance of the group fund account is correspondingly increased.
Preferably, the transaction management unit 130 may further acquire consumption information of the group fund account to obtain a consumption amount, and reduce the account balance of the group fund account according to the consumption amount.
The group may have a plurality of group members, and a group fund account may be established for the group as a common fund account, and the group fund account may be a virtual fund account. Reliable revenue and pay funds to the outside world are achieved by determining a unique corresponding account name (preferably a group name) for the group funds account. New members may join the group at any time. According to the prior art, each group may also have one or more administrators, and only administrators may manage group members and group accounts.
After the group funding accounts are established for the group, a group funding account portal may be provided at the communication tool host interface and/or the group interaction interface to facilitate user access to the group funding accounts. In the following, a communication tool, which may be QQ, wechat, LINE, or the like, is described as an example. The group fund account entrance may be a trigger control, and when the user triggers the trigger control, the user may enter the group fund account page.
Preferably, for each group member of the group, a secondary sub-account may be set under the group fund account, and each group member correspondingly sets an independent secondary sub-account to record personal consumption information. If a group member deposits money into the group fund account, the balance of the group fund account is correspondingly increased, and the balance of the individual sub-account is also correspondingly increased. By way of example and not limitation, for example, if a group name of a certain QQ group is "physical 2003 level", a group fund account is set for the group, an account name of the group fund account is "physical 2003 level", an initial balance of the account is 0 yuan, three group members in the group deposit money into the group fund account for 1000 yuan on a certain day, and six group members deposit money for 800 yuan, the balance of the group fund account becomes 1800 yuan, and balances of secondary sub-accounts corresponding to three and four group members are 1000 yuan and 800 yuan respectively. Preferably, when the account balance of the group fund account is displayed, the related group members related to the balance and the share of the related group members in the balance are displayed.
In this embodiment, the group fund account may also perform online payment, and the balance may be correspondingly deducted according to the consumption amount. Specifically, collecting consumption information of a group fund account to obtain a consumption amount; and reducing the account balance of the group fund account according to the consumption amount.
In order to make the fund in the group fund account public and transparent, it is preferable that when the balance of the account is reduced, whether the consumption is effective consumption is determined, and in the case of effective consumption, the group fund account is deducted. Specifically, after the consumption amount is obtained, the consumption information is sent to group members of the group; after the confirmation information that the group member approves the consumption is collected, the consumption is judged to be effective; and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
In order to improve the management efficiency of the group account, a few majority-compliant principles are adopted after the approval information of the group members is acquired. Specifically, the consumption is judged to be effective by collecting the number of group members who approve the consumption and the number of group members who do not approve the consumption, and calculating the proportion of the group members who approve the message; comparing the calculated ratio with a preset ratio threshold; and when the proportion exceeds a preset proportion threshold value, judging that the consumption is effective.
For example, but not by way of limitation, if the group members are 80, and the preset proportion threshold is set to 70%, then for a certain group consumption behavior, when the number of members approved for consumption in the group members exceeds 56, the group consumption is determined to be valid, and the group consumption can be paid through the group fund account; and reducing the account balance of the group fund account according to the consumption amount of the group consumption.
By adopting the above mode, for the consumption behaviors related to the group fund account common to the group members, the operation of adjusting the account balance and recording the consumption information can be effective only through the confirmation of the group members, so that the fund disclosure of the group fund account can be realized and monopoly can be avoided.
Other technical features can be referred to the description in the previous embodiment and are not repeated.
In the above description, although all components of aspects of the present disclosure may be construed as assembled or operatively connected as one unit or module, the present disclosure is not intended to limit itself to these aspects. Rather, the various components may be selectively and operatively combined in any number within the intended scope of the present disclosure. Each of these components may also be implemented in hardware itself, while the various components may be partially or selectively combined in general and implemented as a computer program having program modules for performing the functions of the hardware equivalents. Codes or code segments to construct such a program can be easily derived by those skilled in the art. Such a computer program may be stored in a computer readable medium, which may be executed to implement aspects of the present disclosure. The computer readable medium may include a magnetic recording medium, an optical recording medium, and a carrier wave medium.
In addition, terms like "comprising," "including," and "having" should be interpreted as inclusive or open-ended, rather than exclusive or closed-ended, by default, unless explicitly defined to the contrary. All technical, scientific, or other terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs unless defined otherwise. Common terms found in dictionaries should not be interpreted too ideally or too realistically in the context of related art documents unless the present disclosure expressly limits them to that.
While exemplary aspects of the present disclosure have been described for illustrative purposes, those skilled in the art will appreciate that the foregoing description is by way of description of the preferred embodiments of the present disclosure only, and is not intended to limit the scope of the present disclosure in any way, which includes additional implementations in which functions may be performed out of the order illustrated or discussed. Any changes and modifications of the present invention based on the above disclosure will be within the scope of the appended claims.
Claims (13)
1. A function expansion method of group accounts is characterized by comprising the following steps:
establishing a group funding account for a group, the group funding account being a common funding account; setting a secondary sub-account under the group fund account aiming at each group member of the group, wherein each group member is correspondingly provided with an independent secondary sub-account to record personal consumption information;
collecting the operation information of depositing money by the group members of the group, wherein the account balance of the group fund account is correspondingly increased;
wherein any group member in the group may operate the payment function of the group funding account; when the payment operation information of the group member is collected, the payment operation is judged not to relate to other group members except the group member and the payment amount is not more than the personal money of the group member, and the payment is completed through the group fund account;
and when the personal balance of the group member is insufficient for payment, making a payment through the group fund account, and generating a personal bill of the group member according to the payment amount; and sending the individual bill to the group member through an electronic bill or an entity bill.
2. The method of claim 1, wherein: acquiring consumption information of a group fund account to obtain consumption amount; and reducing the account balance of the group fund account according to the consumption amount.
3. The method of claim 2, wherein: after the consumption amount is obtained, the method also comprises the steps,
sending the consumption information to group members of the group;
after the confirmation information that the group member approves the consumption is collected, the consumption is judged to be effective;
and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
4. The method of claim 1, wherein: when the account balance of the group fund account is displayed, the related group members related to the balance and the share of the related group members in the balance are displayed.
5. The method of claim 1, wherein: collecting consumption information of a group fund account, and judging group member information related in the consumption information;
sending the consumption information to the related group members;
collecting the confirmation information that the group member approves the consumption, and then judging that the consumption is effective;
and aiming at effective consumption, reducing the account balance of the group fund account according to the consumption amount.
6. The method according to claim 3 or 5, characterized in that: the step of determining that the consumption is valid is,
collecting the number of group members who approve the consumption and the number of group members who do not approve the consumption, and calculating the proportion of the group members who approve the message;
comparing the calculated ratio with a preset ratio threshold;
and when the proportion exceeds a preset proportion threshold value, judging that the consumption is effective.
7. The method of claim 1, wherein: the consumption mode of the group fund account comprises an apportionment payment mode, an appointed payment mode or a surcharge payment mode.
8. The method of claim 1, wherein: and when the personal balance of the group member is less than the preset amount or less than the standard amount requirement negotiated by the group member, generating the payment prompting information aiming at the group member, and sending the payment prompting information to the group member through an electronic bill or an entity bill.
9. The method of claim 1, wherein: and collecting the payment information and the payment result of the group fund account, and recording the payment information and the payment result of the group member in the account information of the group fund account for verification and query of the group member.
10. The method of claim 1, wherein: setting a personal fund inquiry entrance aiming at group members in a group; and collecting a trigger message of the personal fund inquiry entrance, and outputting the personal fund transaction record of the group members.
11. The method of claim 1, wherein: the group fund account is bound with the individual financial accounts of the group members, and the transferred funds of the individual financial accounts can be acquired.
12. A group account setting apparatus according to the method of claim 1, comprising the steps of:
a group establishing unit for establishing a group including at least one group member;
the group setting unit is connected with the group establishing unit and used for establishing a group fund account aiming at the established group, and the group fund account is a public fund account; setting a secondary sub-account under the group fund account aiming at each group member of the group, wherein each group member is correspondingly provided with an independent secondary sub-account to record personal consumption information;
the transaction management unit is connected with the group setting unit and used for acquiring operation information of depositing money by group members of the group, and the account balance of the group fund account is correspondingly increased;
wherein any group member in the group may operate the payment function of the group funding account; when the payment operation information of the group member is collected, the payment operation is judged not to relate to other group members except the group member and the payment amount is not more than the personal money of the group member, and the payment is completed through the group fund account;
and when the personal balance of the group member is insufficient for payment, making a payment through the group fund account, and generating a personal bill of the group member according to the payment amount; and sending the individual bill to the group member through an electronic bill or an entity bill.
13. The apparatus of claim 12, wherein: the transaction management unit can also acquire consumption information of the group fund account and then acquire consumption amount, and account balance of the group fund account is reduced according to the consumption amount.
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| CN108898374A (en) * | 2018-06-29 | 2018-11-27 | 北京小米智能科技有限公司 | The account management method and device of communication group |
| CN108989063B (en) * | 2018-08-01 | 2021-04-20 | 中国联合网络通信集团有限公司 | Group account data processing method, device and equipment and readable storage medium |
| CN109583860A (en) * | 2018-10-26 | 2019-04-05 | 阿里巴巴集团控股有限公司 | A kind of transaction variation and device based on payment unions |
| CN111726321A (en) * | 2019-03-19 | 2020-09-29 | 阿里巴巴集团控股有限公司 | Public account management method, communication group interaction method, corresponding device and system |
| CN110472955A (en) * | 2019-07-17 | 2019-11-19 | 口碑(上海)信息技术有限公司 | A kind of data processing method and system |
| CN110852828A (en) * | 2019-09-27 | 2020-02-28 | 口碑(上海)信息技术有限公司 | Data processing method, device and system |
| JP7175877B2 (en) * | 2019-12-30 | 2022-11-21 | Ｌｉｎｅ株式会社 | program, display method, terminal |
| JP7250186B2 (en) * | 2019-12-30 | 2023-03-31 | Ｌｉｎｅ株式会社 | server, program, information processing method |
| CN112258182A (en) * | 2020-10-28 | 2021-01-22 | 王天翔 | Shared account based on multi-target management |
| CN112465490A (en) * | 2020-11-30 | 2021-03-09 | 北京嘀嘀无限科技发展有限公司 | Service processing method and device, electronic equipment and storage medium |
| CN115965365A (en) * | 2022-02-10 | 2023-04-14 | 支付宝(杭州)信息技术有限公司 | Payment interaction processing method and device |
| JP7405930B2 (en) | 2022-02-17 | 2023-12-26 | Ｌｉｎｅヤフー株式会社 | Programs, information processing methods, terminals |
| CN115409499A (en) * | 2022-09-23 | 2022-11-29 | 支付宝(杭州)信息技术有限公司 | Capital processing method and device |
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