CN112579572B

CN112579572B - Associated account maintenance method and device and electronic equipment

Info

Publication number: CN112579572B
Application number: CN202011505330.8A
Authority: CN
Inventors: 刘婉真; 邓玉; 肖敏; 何铠锋; 刘雨婷
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2020-12-18
Filing date: 2020-12-18
Publication date: 2022-12-13
Anticipated expiration: 2040-12-18
Also published as: CN112579572A

Abstract

The invention discloses a method and a device for maintaining an associated account and electronic equipment, and relates to the technical field of data processing. One embodiment of the method comprises: when the user consumes aiming at one personal associated account, acquiring the consumption amount aiming at the personal associated account; deducting the consumption amount from the personal associated account to obtain an updated account amount of the personal associated account; updating the account amount of the individual basic account according to a first account conversion rule between the individual basic account and the individual associated account based on the consumption amount; and updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount. This embodiment improves the efficiency of maintenance for multiple accounts for a single user.

Description

Associated account maintenance method and device and electronic equipment

Technical Field

The invention relates to the technical field of data processing in the technical field of computers, in particular to a method and a device for maintaining an associated account and electronic equipment.

Background

Currently, in some application systems, a user may have multiple accounts, and the multiple accounts for the user are maintained and managed separately, respectively, which means that the user is required to use the accounts independently for each account.

For example, in a canteen consumption management system of an enterprise, since the enterprise may have office areas in a plurality of areas, the system needs to provide services to employees in the plurality of areas, currently, for this type of canteen consumption management system, a method of independent local account management is mostly adopted, that is, for an employee, if the employee needs to consume in a certain area, an account needs to be created for the area first, so as to implement account operations such as recharging and consumption for the account, and if the employee needs to consume in another area, another account needs to be created for another area first, so as to implement account operations such as recharging and consumption for the other account.

Therefore, when there are many areas to be consumed, one account needs to be created for each area, resulting in inefficient maintenance of the accounts for the one employee.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for maintaining an associated account, and an electronic device, so as to solve a technical problem in the prior art that maintenance efficiency of multiple accounts of a user is low.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided an associated account maintenance method, for a user, a personal base account is created, and for the user, a plurality of personal associated accounts associated with the personal base account are also created, the method including:

when the user consumes aiming at one personal associated account, acquiring the consumption amount aiming at the personal associated account;

deducting the consumption amount from the personal associated account to obtain an updated account amount of the personal associated account;

updating the account amount of the individual basic account according to a first account conversion rule between the individual basic account and the individual associated account based on the consumption amount;

and updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount.

According to another aspect of the embodiments of the present invention, there is also provided an associated account maintenance apparatus, which creates a personal basic account for a user, and also creates a plurality of personal associated accounts associated with the personal basic account for the user, the apparatus including:

the consumption amount acquisition module is used for acquiring the consumption amount of a personal associated account when the user consumes the personal associated account;

the first amount updating module is used for deducting the consumption amount from the personal associated account to obtain the updated account amount of the personal associated account;

the second amount updating module is used for updating the account amount of the personal basic account according to the first account conversion rule between the personal basic account and the personal associated account based on the consumption amount;

and the third amount updating module is used for updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount.

According to another aspect of the embodiments of the present invention, there is also provided an electronic device, including:

one or more processors;

a storage device to store one or more programs,

when executed by the one or more processors, cause the one or more processors to implement any of the associated account maintenance methods described above.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable medium on which a computer program is stored, the program, when executed by a processor, implementing any one of the above-described associated account maintenance methods.

One embodiment of the above invention has the following advantages or benefits:

in the method for maintaining the associated account provided by the embodiment of the present invention, a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, when the user consumes for one personal associated account, a consumption amount for the personal associated account is obtained, and the consumption amount is deducted from the personal associated account to obtain an updated account amount for the personal associated account, the account amount for the personal basic account is updated according to a first account conversion rule between the personal basic account and the personal associated account based on the consumption amount, and the account amounts for other respective personal associated accounts of the user are updated according to a second account conversion rule between different personal associated accounts based on the consumption amount. Therefore, when the consumption of one individual management account occurs, the account amount of various accounts of the user can be correspondingly updated without the participation of the user, and the user does not need to perform independent operation on each account, so that the maintenance efficiency of a plurality of accounts of one user is improved.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of an account maintenance system in an embodiment of the invention;

FIG. 2 is a flowchart of a method for maintaining an associated account according to an embodiment of the present invention;

FIG. 3 is a flowchart of another method for maintaining an associated account according to an embodiment of the present invention;

FIG. 4 is a flowchart of another method for maintaining an associated account according to an embodiment of the present invention;

FIG. 5 is a flowchart of another method for maintaining an associated account according to an embodiment of the present invention;

FIG. 6 is a flowchart of another method for maintaining an associated account according to an embodiment of the present invention;

fig. 7 is a flowchart of recharging in the associated account maintenance method according to the embodiment of the present invention;

FIG. 8 is a flowchart of setting an account amount for a newly added individual-associated account according to an embodiment of the present invention;

FIG. 9 is a schematic illustration of associated account maintenance performed in an embodiment of the invention;

fig. 10-1 is a schematic structural diagram of an associated account maintenance apparatus according to an embodiment of the present invention;

FIG. 10-2 is a schematic structural diagram of another associated account maintenance apparatus provided in the embodiment of the present invention;

fig. 10-3 is a schematic structural diagram of another associated account maintenance apparatus provided in the embodiment of the present invention;

FIG. 11 is a block diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the embodiment of the invention, a personal basic account is created for one user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, and because the plurality of accounts of the user have an association relationship, and account conversion rules can be created in advance for various accounts of the user, the maintenance efficiency of the plurality of accounts of the user is realized.

Further, in this embodiment of the present invention, the individual primary accounts may include an individual primary cash account and an individual primary subsidy account, the account amount of the individual primary account is the sum of the amount of the individual primary cash account and the individual primary subsidy account, and each individual associated account includes an individual associated cash account and an individual associated subsidy account; the account amount for each individual associated account is the sum of the amounts of the individual associated cash account and the individual associated subsidy account.

Further, in the embodiment of the present invention, the multiple personal associated accounts may specifically be in the following three forms:

in a first form: the plurality of personal associated accounts may be a plurality of personal area accounts, each personal area account corresponds to an area, for example, a beijing area, a shanghai area, a guangdong area, and the like, and accordingly, a consumption amount consumed for one personal area account may be referred to as an area consumption amount, a personal associated cash account is a personal area cash account, and a personal associated subsidy account is a personal area subsidy account;

in a second form: the plurality of personal associated accounts may be a plurality of personal merchant accounts, each of which corresponds to one merchant, for example, merchant 1, merchant 2, and merchant 3, and accordingly, a consumption amount of a consumption occurring with respect to one of the personal merchant accounts may be referred to as a merchant consumption amount, the personal associated cash account is a personal merchant cash account, and the personal associated subsidized account is a personal merchant subsidized account;

in a third form: as with the account maintenance system shown in fig. 1, the plurality of personal associated accounts may include a plurality of personal area accounts and a plurality of personal merchant accounts, i.e., including the first form and the second form described above.

The individual basic account and the individual associated accounts of a user form an account chain system of the user.

As shown in fig. 1, the account maintenance system may include an account converter, a rule transitioner, and a clearing handler, wherein:

the account converter can be used for creating various accounts of the user and associating the created various accounts;

the rule filter can be used for determining whether to allow consumption according to a corresponding consumption rule when a user applies for consumption aiming at one individual associated account, wherein the consumption rule can be related to quota, discount, limit and the like, and can be specifically set based on the requirement of practical application;

the clearing processor can be used for determining the consumption amount of the current consumption amount of the personal associated account according to the clearing rule corresponding to the personal associated account when the user consumes the personal associated account, updating the account amounts of other accounts according to the account conversion rule among various accounts, and accordingly realizing synchronous updating of the amount of the account consumed for one time.

In order to implement the above maintenance mechanism for accounts, an embodiment of the present invention provides an associated account maintenance method, where a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, as shown in fig. 2, the method includes:

and step 21, when the user consumes aiming at one individual associated account, acquiring the consumption amount aiming at the individual associated account.

And 22, deducting the consumption amount from the personal associated account to obtain an updated account amount of the personal associated account.

And step 23, updating the account amount of the personal basic account according to the first account conversion rule between the personal basic account and the personal associated account based on the consumption amount.

And 24, updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount.

There is no strict sequence between step 23 and step 24.

By adopting the method for maintaining the associated accounts shown in fig. 2, when the consumption of one individual management account occurs, the account amounts of various accounts of the user can be correspondingly updated without the participation of the user, and the user does not need to perform individual operation on each account, so that the maintenance efficiency of a plurality of accounts of one user is improved.

In one embodiment of the invention, each individual associated account may include an individual associated cash account and an individual associated subsidy account, the account amount of each individual associated account being the sum of the amounts of the individual associated cash account and the individual associated subsidy account;

correspondingly, the preferentially deducting the expense amount from the personal associated subsidy account, that is, deducting the expense amount from the personal associated account in the step 22, may specifically include:

deducting the expenditure amount from the personal-associated subsidy account when the amount in the personal-associated subsidy account of the personal-associated account is not less than the expenditure amount;

and when the amount in the personal associated subsidy account of the personal associated account is less than the consumption amount, deducting the residual amount to be deducted from the personal associated cash account of the personal associated account after the total amount of the personal associated subsidy account is deducted. Wherein the remaining outstanding amount is the difference between the consumption amount and the amount of the individual associated subsidy account.

The following describes in detail the associated account maintenance method provided by the embodiment of the present invention, referring to various specific forms of the personal associated account, and referring to the processes of consumption, recharging, creation, and the like.

In an embodiment of the present invention, as shown in fig. 3, there is provided an associated account maintenance method, where a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, and the plurality of personal associated accounts are in the first form, that is, the plurality of personal associated accounts are a plurality of personal area accounts, the method includes the following steps:

step 301, a user applies for consumption against a personal area account.

For example, a user applies for consumption using a personal Beijing account in the Beijing area.

Step 302, the zone spending amount for the personal zone account is obtained.

In this step, it may be determined whether to allow consumption according to the consumption rule corresponding to the personal area account, and when the consumption is allowed, the area consumption amount for the personal area account is determined according to the clearing rule corresponding to the personal area account.

The consumption rules and the clearing rules can be flexibly set based on the requirements of practical application, and are not described in detail herein by way of example.

Step 303, determining whether the amount of money in the personal area subsidy account of the personal area account where the consumption occurs is not less than the area consumption amount, if not, executing step 304, and if so, executing step 305.

Step 304, deduct the area spending amount from the individual area subsidy account of the individual area account where the spending occurred.

Step 305, after deducting the total amount of the personal area subsidy account, deducting the remaining amount to be deducted from the personal area cash account of the personal area account.

Step 306, determine if the amount in the personal primary subsidy account of the personal primary account is not less than the regional spend amount, if not, go to step 307, if so, go to step 308.

Step 307, deduct the regional spend amount from the individual base subsidy account.

And step 308, after the whole amount of the personal basic subsidy account is deducted, deducting the residual amount to be deducted from the personal basic cash account.

Step 309, for each other personal area account of the user, determining whether the amount in the personal area subsidy account of the personal area account is not less than the area consumption amount, if not, executing step 310, and if so, executing step 311.

At step 310, the regional cost amount is deducted from the personal region subsidy account.

In step 311, after the total amount of the personal area subsidy account is deducted, the remaining amount to be deducted is deducted from the personal area cash account of the personal area account.

There is no strict sequence between step 306-step 308 and step 309-step 311.

In an embodiment of the present invention, as shown in fig. 4, there is provided an associated account maintenance method, where a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, where the plurality of personal associated accounts are in the second form, that is, the plurality of personal associated accounts are a plurality of personal merchant accounts, the method includes the following steps:

step 401, a user applies for consumption against an individual merchant account.

For example, a user applies for a purchase at merchant 1 using the individual merchant account corresponding to merchant 1.

Step 402, obtain a merchant spending amount for the individual merchant account.

Step 403, determining whether the amount of money in the individual merchant subsidy account of the individual merchant account where the consumption occurs is not less than the merchant consumption amount, if not, executing step 404, and if so, executing step 405.

In the embodiment of the invention, the amount in the subsidy account of the individual merchant can be that the merchant subsidies the user, each merchant only issues the amount in the subsidy account of the individual merchant aiming at each user of the merchant, and the amount in the subsidy account of the individual merchant can only be used for consumption of the merchant.

Step 404, deduct the merchant consumption amount from the individual merchant subsidy account of the individual merchant account where the consumption occurred.

Step 405, after deducting the total amount of the subsidy account of the individual merchant, deducting the remaining amount to be deducted from the cash account of the individual merchant of the account of the individual merchant.

Step 406, when the amount of money in the individual merchant subsidy account of the individual merchant account where the consumption occurs is not less than the merchant consumption amount, the consumption occurs only by the amount of money in the individual merchant subsidy account, which is enough to be paid, so that the consumption can be considered not to occur for other accounts, and at this time, the account amount of the individual basic account can be kept unchanged, and the account amounts of other individual merchant accounts can be kept unchanged.

Step 407, when the amount of money in the individual merchant subsidy account of the individual merchant account where the consumption occurs is smaller than the merchant consumption amount, based on the above step 405, it can be known that the total amount of money is preferentially deducted from the individual merchant subsidy account, and the remaining amount to be deducted is deducted from the individual merchant cash account, so for other accounts, it is only necessary to update the account based on the remaining amount to be deducted.

In this step, the difference between the consumption amount of the merchant and the amount of the individual merchant subsidy account is calculated, and the result is used as the cash consumption amount of the merchant.

Step 408, determining whether the amount in the individual basic subsidy account of the individual basic account is not less than the cash consumption amount of the merchant, if not, executing step 409, and if so, executing step 410.

Step 409 deducts the merchant cash spending amount from the individual primary subsidized account and leaves the account amount for each of the other individual merchant accounts for the user unchanged.

And step 410, after the whole amount of the personal basic subsidy account is deducted, deducting the residual amount to be deducted from the personal basic cash account.

In step 411, for each of the other individual merchant accounts of the user, the remaining amount to be deducted from the individual primary cash account is deducted from the individual merchant cash account of the individual merchant account.

In an embodiment of the present invention, a method for maintaining an associated account is further provided, where a personal basic account is created for a user, a plurality of personal associated accounts associated with the personal basic account are created for the user, and the plurality of personal associated accounts are in the third form, that is, the plurality of personal associated accounts include a plurality of personal area accounts and a plurality of personal merchant accounts, at this time, the user may consume for one personal area account, and the consumption amount is an area consumption amount, or may consume for one personal merchant account, and the consumption amount is a merchant consumption amount, which is described in detail below.

In the first case: the user has consumed against one personal area account.

When a user consumes an account in a personal area, the process flow shown in fig. 3 may be included, and in addition, as shown in fig. 5, the following steps may be included:

step 501, aiming at each individual merchant account of the user, determining whether the amount of the individual regional subsidy account of the individual regional account which is consumed is not less than the regional consumption amount, if not, executing step 502, and if so, executing step 503.

Step 502, keep the account amount of the individual merchant account unchanged.

Step 503, calculating the difference value of the sum of the regional consumption minus the sum of the personal regional subsidy account which is consumed, and taking the difference value as the regional cash consumption sum.

Step 504, deduct the local cash consumption amount from the individual merchant cash account of the individual merchant account.

In the second case: the user consumes against one individual merchant account.

When the user consumes an individual merchant account, the process flow shown in fig. 4 may be included, and in addition, the following steps may be included:

in step 406, when the amount of money in the individual merchant subsidy account of the individual merchant account where the consumption occurs is not less than the merchant consumption amount, the account amount of each individual area account of the user may be kept unchanged;

as shown in fig. 6, the method may further include the following steps:

step 601, aiming at each personal area account of the user, determining whether the amount in the personal area subsidy account of the personal area account is not less than the cash consumption amount of the merchant, if not, executing step 602, and if so, executing step 603.

Step 602, deduct the merchant cash consumption amount from the personal area subsidy account.

Step 603, after the total amount of the personal area subsidy account is deducted, deducting the remaining amount to be deducted from the personal area cash account of the personal area account.

In an embodiment of the present invention, a process of recharging each account of the user is further provided, as shown in fig. 7, including:

step 71, when charging in the personal basic account, obtaining the basic charging amount.

In the embodiment of the present invention, the personal basic account may include a personal basic subsidy account and a personal basic cash account, and correspondingly, the recharging performed may include a cash recharging and a basic subsidy recharging.

And 72, adding the basic recharge amount in the personal basic account to obtain the updated account amount of the personal basic account.

Specifically, when the cash is recharged, the basic recharge amount is added in the personal basic cash account of the personal basic account;

when a basic subsidy recharge is performed, a basic recharge amount is added to the personal basic subsidy account of the personal basic account.

And 73, updating the account amount of each personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the basic recharge amount.

In this step, when the cash is recharged, for each individual associated account of the user, adding a basic recharge amount in the individual associated cash account of the individual associated account;

when the basic subsidy is recharged, aiming at each individual associated account of the user, adding the basic recharge amount in the individual associated subsidy account of the individual associated account, or keeping the account amount of the individual associated account unchanged.

For example, when the personal associated account is a personal area account, for each personal area account of the user, adding a basic recharge amount in the personal area subsidy account of the personal area account;

as another example, when the personal associated account is a personal merchant account, the account amount of each of the user's personal merchant accounts is maintained.

And step 74, when merchant subsidy recharging is carried out in the individual merchant subsidy account of one individual merchant account, acquiring the merchant subsidy recharging amount.

Step 75, adding the merchant subsidy recharge amount to the individual merchant subsidy account of the individual merchant account to obtain the updated account amount of the individual merchant account.

Step 76, the account amounts of the individual primary accounts, the individual personal area accounts, and each of the other individual merchant accounts are maintained.

There is no strict sequence between the above steps 71-73 and 74-76.

In an embodiment of the present invention, there is further provided a process how to associate a new personal associated account of a user with other users of the user after creating the new personal associated account, that is, how to set an account amount of the new personal associated account, as shown in fig. 8, including:

step 81, after a new personal associated account is created for the user, the account amount of the personal basic account is acquired.

In the embodiment of the invention, the individual basic account can comprise an individual basic cash account and an individual basic subsidy account.

And step 82, setting the account amount of the new personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the account amount of the personal basic account.

In an embodiment of the present invention, the personal-associated account may include a personal-associated cash account and a personal-associated subsidy account.

Correspondingly, setting the amount of the personal associated cash account of the new personal associated account as the amount of the personal basic cash account of the personal basic account;

setting the amount of the personal associated subsidized account of the new personal associated account as the amount of the personal base subsidized account of the personal base account, or setting the amount of the personal associated subsidized account of the new personal associated account as the initial amount corresponding to the new personal associated account.

For example, when the new personal-related account is a new personal area account, setting the amount of money of the personal area subsidized account of the new personal area account as the amount of money of the personal basic subsidized account of the personal basic account;

for another example, when the new personal associated account is a new personal merchant account, the amount of the personal merchant subsidy account of the new personal merchant account is set as the initial amount corresponding to the new personal merchant account. The initial amount may be determined by each merchant, and may be 0 or another fixed amount.

The following describes, by taking a canteen consumption management system as an example, the associated account maintenance method provided by the embodiment of the present invention.

As shown in fig. 9, the schematic diagram of maintaining an account based on the canteen consumption management system includes two areas, which are beijing and guangdong, respectively, two merchants, which are merchant 1 and merchant 2, respectively, and an account of a user includes: a personal primary account, a personal Guangdong account, a personal Beijing account, a personal Merchant 1 account, and a personal Merchant 2 account.

Assuming that the user consumes 30 dollars in the Guangdong region, the account amount for each account is changed as follows:

deducting 30 yuan from the individual Guangdong account of the user, preferably deducting from the individual Guangdong subsidy account, and if the deduction is not enough, deducting the residual withholding amount from the individual Guangdong cash account;

based on 30 yuan consumed by the user in the Guangdong area, 30 yuan is deducted from the personal basic account of the user, and is preferentially deducted from the personal basic subsidy account, if the deduction is insufficient, the residual withholding amount is deducted from the personal basic cash account;

if the residual withholding amount is deducted from the personal basic cash account, the change of the amount of the personal basic cash account is represented, and the residual withholding amount is deducted from the personal merchant 1 cash account of the personal merchant 1 account and the personal merchant 2 cash account of the personal merchant 2 account;

based on that the user consumes 30 yuan in Guangdong region, 30 yuan is deducted from the personal Beijing account of the user, the deduction is preferentially deducted from the personal Beijing subsidy account, and if the deduction is not enough, the residual withholding amount is deducted from the personal Beijing cash account.

Assuming that the user consumes 20 dollars at merchant 1, the account amount for each account is changed as follows:

deducting 20 yuan from the account of the individual merchant 1 of the user, preferably deducting from the subsidy account of the individual merchant 1 of the user, and if enough deducting is available, then no longer updating the account amount of the individual basic account, the individual Guangdong account, the individual Beijing account and the individual merchant 2 account;

if the deduction is not enough, after the whole amount of the subsidy account of the individual merchant 1 of the user is deducted, the remaining amount to be deducted is deducted from the cash account of the individual merchant 1, and the remaining amount to be deducted can be called the cash consumption amount of the merchant;

deducting the cash consumption amount of the merchant from the personal basic account of the user based on the cash consumption amount of the merchant, preferably deducting from the personal basic subsidy account, if the cash consumption amount is not enough to be deducted, deducting the residual withholding amount from the personal basic cash account, and deducting the residual withholding amount deducted from the personal basic cash account from the personal merchant 2 cash account of the personal merchant 2 account;

if the amount of the individual basic subsidized account is enough to deduct the cash consumption amount of the merchant, keeping the account amount of the individual merchant 2 account unchanged;

for the individual Guangdong account and the individual Beijing account, if the amount in the subsidy account is not less than the cash consumption amount of the merchant, the cash consumption amount of the merchant is deducted from the subsidy account, and if the amount is less than the cash consumption amount, the remaining amount to be deducted is deducted from the cash account after the total amount of the subsidy account is deducted.

Accordingly, based on the same inventive concept, an embodiment of the present invention further provides an associated account maintenance apparatus, which creates an individual basic account for a user and also creates a plurality of individual associated accounts associated with the individual basic account for the user, as shown in fig. 10-1, and the apparatus includes:

a consumption amount obtaining module 101, configured to obtain a consumption amount for one personal associated account when the user consumes for the personal associated account;

a first amount updating module 102, configured to deduct the consumption amount from the personal associated account to obtain an updated account amount of the personal associated account;

the second amount updating module 103 is used for updating the account amount of the personal basic account according to the first account conversion rule between the personal basic account and the personal associated account based on the consumption amount;

and a third amount updating module 104, configured to update account amounts of other individual associated accounts of the user according to a second account conversion rule between different individual associated accounts based on the consumption amount.

Further, each individual associated account comprises an individual associated cash account and an individual associated subsidy account, and the account amount of each individual associated account is the sum of the amounts of the individual associated cash account and the individual associated subsidy account;

a first amount updating module 102, configured to deduct the expense amount from the personal associated subsidy account when the amount of money in the personal associated subsidy account of the personal associated account is not less than the expense amount; and when the amount in the personal associated subsidy account of the personal associated account is less than the consumption amount, deducting the residual amount to be deducted from the personal associated cash account of the personal associated account after deducting all the amount of the personal associated subsidy account.

Further, the personal basic account comprises a personal basic cash account and a personal basic subsidy account, and the account amount of the personal basic account is the sum of the amount of the personal basic cash account and the amount of the personal basic subsidy account;

the plurality of personal associated accounts are a plurality of personal area accounts, the consumption amount is an area consumption amount, the personal associated cash account is a personal area cash account, and the personal associated subsidy account is a personal area subsidy account;

a second amount updating module 103, configured to deduct the regional consumption amount from the personal basic subsidy account when the amount in the personal basic subsidy account of the personal basic account is not less than the regional consumption amount;

when the amount in the personal basic subsidy account of the personal basic account is less than the regional consumption amount, deducting the residual amount to be deducted from the personal basic cash account after deducting all the amount of the personal basic subsidy account;

a third amount updating module 104, configured to, for each other personal area account of the user, specifically, when the amount in the personal area subsidy account of the personal area account is not less than the area consumption amount, deduct the area consumption amount from the personal area subsidy account;

and when the amount of money in the personal area subsidy account of the personal area account is smaller than the area consumption amount, deducting the remaining amount to be deducted from the personal area cash account of the personal area account after the whole amount of money of the personal area subsidy account is deducted.

the plurality of personal associated accounts are a plurality of personal merchant accounts, the consumption amount is a merchant consumption amount, the personal associated cash account is a personal merchant cash account, and the personal associated subsidy account is a personal merchant subsidy account;

the second amount updating module 103 and the third amount updating module 104 are specifically configured to, when the amount of the personal merchant subsidy account of the personal merchant account that is consumed is not less than the consumption amount of the merchant, keep the account amount of the personal basic account unchanged, and keep the account amounts of the other individual merchant accounts unchanged;

when the amount of the individual merchant subsidy account of the individual merchant account which is consumed is smaller than the merchant consumption amount, calculating the difference value of the merchant consumption amount minus the amount of the individual merchant subsidy account, and taking the difference value as the merchant cash consumption amount;

deducting the merchant cash consumption amount from the personal primary subsidized account when the amount in the personal primary subsidized account of the personal primary account is not less than the merchant cash consumption amount and keeping the account amount of each other personal merchant account of the user unchanged;

and when the amount in the personal basic subsidy account of the personal basic account is less than the cash consumption amount of the merchant, after the whole amount of the personal basic subsidy account is deducted, deducting the residual amount to be deducted from the personal basic cash account, and deducting the residual amount to be deducted from the personal merchant cash account of the personal merchant account for each other personal merchant account of the user.

the plurality of personal associated accounts comprise a plurality of personal area accounts and a plurality of personal merchant accounts, wherein the personal associated cash account of the personal area accounts is a personal area cash account, the personal associated subsidy account of the personal area accounts is a personal area subsidy account, the personal associated cash account of the personal merchant accounts is a personal merchant cash account, and the personal associated subsidy account of the personal merchant accounts is a personal merchant subsidy account;

when the personal associated account where consumption occurs is a personal area account, the consumption amount is a regional consumption amount, and when the personal associated account where consumption occurs is a personal merchant account, the consumption amount is a merchant consumption amount;

a first amount updating module 102, configured to, when the personal associated account where consumption occurs is a personal area account, deduct an area consumption amount from a personal basic subsidized account when an amount in the personal basic subsidized account of the personal basic account is not less than the area consumption amount; when the amount in the personal basic subsidy account of the personal basic account is smaller than the regional consumption amount, deducting the residual amount to be deducted from the personal basic cash account after the whole amount of the personal basic subsidy account is deducted;

a second amount updating module 103, configured to, when the personal associated account that is consumed is a personal area account, for each other personal area account of the user, deduct the area consumption amount from the personal area subsidy account when the amount in the personal area subsidy account of the personal area account is not less than the area consumption amount; when the amount of money in the personal area subsidy account of the personal area account is smaller than the area consumption amount, deducting the remaining amount of money to be deducted from the personal area cash account of the personal area account after deducting all the amount of money of the personal area subsidy account; for each individual merchant account of the user, when the amount of the individual regional subsidy account of the individual regional account where the consumption occurs is not less than the regional consumption amount, keeping the account amount of the individual merchant account unchanged; for each individual merchant account of the user, when the amount of money of a personal area subsidy account of the personal area account which is consumed is smaller than the area consumption amount, calculating the difference value of the area consumption amount minus the amount of money of the personal area subsidy account as an area cash consumption amount; deducting the local cash consumption amount from the individual merchant cash account of the individual merchant account;

the second amount updating module 103 and the third amount updating module 104 are specifically configured to, when the personal associated account that is subject to consumption is a personal merchant account, and when the amount of the personal merchant subsidy account of the personal merchant account that is subject to consumption is not less than the merchant consumption amount, keep the account amount of the personal basic account unchanged, keep the account amounts of other personal merchant accounts unchanged, and keep the account amounts of the personal area accounts of the user unchanged;

when the amount in the personal basic subsidy account of the personal basic account is less than the cash consumption amount of the merchant, after the whole amount of the personal basic subsidy account is deducted, deducting the residual amount to be deducted from the personal basic cash account, and deducting the residual amount to be deducted from the personal merchant cash account of the personal merchant account for each other personal merchant account of the user;

for each personal area account of the user, deducting the merchant cash consumption amount from the personal area subsidized account when the amount in the personal area subsidized account of the personal area account is not less than the merchant cash consumption amount;

and when the amount of money in the personal area subsidy account of the personal area account is less than the cash consumption amount of the merchant, deducting the remaining amount of money to be deducted from the personal area cash account of the personal area account after the total amount of money of the personal area subsidy account is deducted.

Further, as shown in fig. 10-2, the apparatus further includes:

a recharge amount obtaining module 105, configured to obtain a basic recharge amount when recharging is performed in the personal basic account;

the first amount updating module 102 is further configured to add the basic recharge amount to the personal basic account to obtain an updated account amount of the personal basic account;

and the second amount updating module 103 is further configured to update the account amount of each individual associated account according to the first account conversion rule between the individual basic account and the individual associated account based on the basic recharge amount.

each individual associated account comprises an individual associated cash account and an individual associated subsidy account, and the account amount of each individual associated account is the sum of the amounts of the individual associated cash account and the individual associated subsidy account;

a first amount update module 102, configured to add the basic recharge amount to a personal basic cash account of the personal basic account when performing a cash recharge; when a basic subsidy is recharged, adding the basic recharge amount in a personal basic subsidy account of the personal basic account;

a second amount updating module 103, configured to, when performing a cash recharge, add the basic recharge amount to a personal associated cash account of each personal associated account of the user; when the basic subsidy is recharged, aiming at each individual associated account of the user, the basic recharge amount is added to the individual associated subsidy account of the individual associated account, or the account amount of the individual associated account is kept unchanged.

Further, the plurality of personal associated accounts include a plurality of personal area accounts and a plurality of personal merchant accounts, the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidy account of the personal area account is a personal area subsidy account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidy account of the personal merchant account is a personal merchant subsidy account;

the second amount updating module 103 is specifically configured to, when performing basic subsidy recharge, add the basic recharge amount to the personal area subsidy account of the personal area account of the user and keep the account amount of each personal merchant account of the user unchanged.

Further, the recharge amount obtaining module 105 is further configured to obtain a merchant subsidy recharge amount when merchant subsidy recharging is performed in a personal merchant subsidy account of a personal merchant account;

the first amount updating module 102 is further configured to add the merchant subsidy recharge amount to the individual merchant subsidy account of the individual merchant account to obtain an updated account amount of the individual merchant account; the account amounts of the individual primary account, the individual personal area accounts, and each of the other individual merchant accounts are maintained.

Further, the second amount updating module 103 is further configured to, after a new personal associated account is created for the user, obtain an account amount of the personal primary account; and setting the account amount of the new personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the account amount of the personal basic account.

Further, the individual primary account comprises an individual primary cash account and an individual primary subsidized account, and the account amount of the individual primary account is the sum of the amount of the individual primary cash account and the amount of the individual primary subsidized account;

each individual associated account comprises an individual associated cash account and an individual associated subsidized account, and the account amount of each individual associated account is the sum of the amount of the individual associated cash account and the individual associated subsidized account;

a second amount updating module 103, configured to set an amount of the personal associated cash account of the new personal associated account to an amount of the personal basic cash account of the personal basic account; setting the amount of the personal associated subsidy account of the new personal associated account as the amount of the personal base subsidy account of the personal base account, or setting the amount of the personal associated subsidy account of the new personal associated account as the initial amount corresponding to the new personal associated account.

Further, the plurality of personal associated accounts include a plurality of personal area accounts and a plurality of personal merchant accounts, a personal associated cash account of the personal area account is a personal area cash account, a personal associated subsidized account of the personal area account is a personal area subsidized account, a personal associated cash account of the personal merchant account is a personal merchant cash account, and a personal associated subsidized account of the personal merchant account is a personal merchant subsidized account;

a second amount updating module 103, configured to, when the new personal associated account is a new personal area account, set an amount of a personal area subsidy account of the new personal area account as an amount of the personal basic subsidy account of the personal basic account; and when the new personal associated account is a new personal merchant account, setting the amount of the personal merchant subsidy account of the new personal merchant account as the initial amount corresponding to the new personal merchant account.

Further, the plurality of personal associated accounts comprises a plurality of personal area accounts;

as shown in fig. 10-3, the apparatus further comprises:

the consumption permission detection module 106 is configured to determine whether to allow consumption according to a consumption rule corresponding to a personal area account when the user applies for consumption for the personal area account;

the consumption amount obtaining module 101 is specifically configured to, when the consumption permission detecting module determines that consumption is allowed, determine the area consumption amount of the personal area account according to a clearing rule corresponding to the personal area account.

An embodiment of the present invention further provides an electronic device, including:

one or more processors;

a storage device for storing one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement any of the associated account maintenance methods provided by the above-described embodiments of the present invention.

Referring now to FIG. 11, shown is a block diagram of a computer system 1100 suitable for use in implementing an electronic device of an embodiment of the present invention. The terminal device shown in fig. 11 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 11, the computer system 1100 includes a Central Processing Unit (CPU) 1101, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 1102 or a program loaded from a storage section 1108 into a Random Access Memory (RAM) 1103. In the RAM 1103, various programs and data necessary for the operation of the system 1100 are also stored. The CPU 1101, ROM 1102, and RAM 1103 are connected to each other by a bus 1104. An input/output (I/O) interface 1105 is also connected to bus 1104.

The following components are connected to the I/O interface 1105: an input portion 1106 including a keyboard, mouse, and the like; an output portion 1107 including a signal output unit such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 1108 including a hard disk and the like; and a communication portion 1109 including a network interface card such as a LAN card, a modem, or the like. The communication section 1109 performs communication processing via a network such as the internet. A driver 1110 is also connected to the I/O interface 1105 as necessary. A removable medium 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is installed on the drive 1110 as necessary, so that a computer program read out therefrom is installed into the storage section 1108 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 1109 and/or installed from the removable medium 1111. The above-described functions defined in the system of the present invention are executed when the computer program is executed by a Central Processing Unit (CPU) 1101.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a sending module, an obtaining module, a determining module, and a first processing module. The names of these modules do not form a limitation on the modules themselves in some cases, and for example, the sending module may also be described as a "module sending a picture acquisition request to a connected server".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not assembled into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by the apparatus, the method for maintaining the associated account provided by the embodiment of the present invention is implemented, so that the apparatus performs the following steps:

when the user consumes aiming at one personal associated account, acquiring the consumption amount aiming at the personal associated account; deducting the consumption amount from the personal associated account to obtain an updated account amount of the personal associated account; updating the account amount of the individual basic account according to a first account conversion rule between the individual basic account and the individual associated account based on the consumption amount; and updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount.

According to the technical scheme of the embodiment of the invention, when the consumption of one individual management account occurs, the account amount of various accounts of the user can be correspondingly updated without the participation of the user, and the user does not need to perform independent operation on each account, so that the maintenance efficiency of a plurality of accounts of one user is improved.

The above-described embodiments should not be construed as limiting the scope of the invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. An associated account maintenance method is characterized in that a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, wherein the personal basic account comprises a personal basic cash account and a personal basic subsidy account, and the account amount of the personal basic account is the sum of the amounts of the personal basic cash account and the personal basic subsidy account; each individual associated account comprises an individual associated cash account and an individual associated subsidy account, and the account amount of each individual associated account is the sum of the amounts of the individual associated cash account and the individual associated subsidy account;

the method comprises the following steps:

updating the account amount of the individual basic account according to a first account conversion rule between the individual basic account and the individual associated account based on the consumption amount; updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount;

when the plurality of personal associated accounts are a plurality of personal area accounts, the consumption amount is an area consumption amount, the personal associated cash account is a personal area cash account, and the personal associated subsidy account is a personal area subsidy account;

the updating of the account amount of the individual basic account according to the first account conversion rule between the individual basic account and the individual associated account based on the consumption amount comprises the following steps:

when the amount in the individual basic subsidy account of the individual basic account is not less than the area consumption amount, deducting the area consumption amount from the individual basic subsidy account;

when the amount in the personal basic subsidy account of the personal basic account is smaller than the regional consumption amount, deducting the residual amount to be deducted from the personal basic cash account after the whole amount of the personal basic subsidy account is deducted;

updating account amounts of other individual associated accounts of the user according to a second account conversion rule among different individual associated accounts based on the consumption amount, wherein the updating comprises the following steps:

for each other personal area account of the user, deducting the area consumption amount from the personal area subsidy account when the amount in the personal area subsidy account of the personal area account is not less than the area consumption amount;

when the amount of money in the personal area subsidy account of the personal area account is smaller than the area consumption amount, deducting the remaining amount of money to be deducted from the personal area cash account of the personal area account after deducting all the amount of money of the personal area subsidy account;

under the condition that the plurality of personal associated accounts are a plurality of personal merchant accounts, the consumption amount is a merchant consumption amount, the personal associated cash account is a personal merchant cash account, and the personal associated subsidy account is a personal merchant subsidy account;

the updating the account amount of the individual basic account according to a first account conversion rule between the individual basic account and the individual associated account based on the consumption amount, and the updating the account amounts of other individual associated accounts of the user according to a second account conversion rule between different individual associated accounts based on the consumption amount, includes:

when the amount of the individual merchant subsidy account of the individual merchant account which is consumed is not less than the consumption amount of the merchant, keeping the account amount of the individual basic account unchanged, and keeping the account amounts of other individual merchant accounts unchanged;

when the amount in the personal basic subsidy account of the personal basic account is less than the cash consumption amount of the merchant, after all the amount of the personal basic subsidy account is deducted, deducting the residual withholding amount from the personal basic cash account, and deducting the residual withholding amount deducted from the personal basic cash account from the personal merchant cash account of the personal merchant account for each other personal merchant account of the user;

under the condition that the plurality of personal associated accounts comprise a plurality of personal area accounts and a plurality of personal merchant accounts, the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidy account of the personal area account is a personal area subsidy account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidy account of the personal merchant account is a personal merchant subsidy account;

when the personal associated account where the consumption occurs is a personal area account, updating the account amount of the personal basic account according to a first account conversion rule between the personal basic account and the personal associated account based on the consumption amount, including:

when the personal associated account which is consumed is a personal area account, updating account amounts of other personal associated accounts of the user according to a second account conversion rule between different personal associated accounts based on the consumption amount, including:

when the sum of the personal area subsidy account of the personal area account is less than the area consumption sum, deducting the residual sum to be deducted from the personal area cash account of the personal area account after deducting all the sum of the personal area subsidy account;

for each individual merchant account of the user, when the amount of the individual regional subsidy account of the individual regional account where the consumption occurs is not less than the regional consumption amount, keeping the account amount of the individual merchant account unchanged;

for each individual merchant account of the user, when the amount of money of a personal area subsidy account of the personal area account which is consumed is smaller than the area consumption amount, calculating the difference value of the area consumption amount minus the amount of money of the personal area subsidy account as an area cash consumption amount; deducting the local cash spending amount from the individual merchant cash account of the individual merchant account;

when the personal associated account which is consumed is a personal merchant account, updating the account amount of the personal primary account according to a first account conversion rule between the personal primary account and the personal associated account based on the consumption amount, and updating the account amounts of other personal associated accounts of the user according to a second account conversion rule between different personal associated accounts based on the consumption amount, including:

when the amount of the individual merchant subsidy account of the individual merchant account which is consumed is not less than the consumption amount of the merchant, keeping the account amount of the individual basic account unchanged, keeping the account amounts of the merchant accounts of other individuals unchanged, and keeping the account amounts of the area accounts of the individuals of the user unchanged;

and when the sum of the personal area subsidy account of the personal area account is less than the cash consumption sum of the merchant, after all the sum of the personal area subsidy account is deducted, deducting the residual amount to be deducted from the personal area cash account of the personal area account.

2. The method of claim 1,

the deduction of the spending amount from the individual associated account includes:

and when the amount in the personal associated subsidy account of the personal associated account is less than the consumption amount, deducting the residual amount to be deducted from the personal associated cash account of the personal associated account after deducting all the amount of the personal associated subsidy account.

3. The method of claim 1, further comprising:

when recharging is carried out in the personal basic account, basic recharging amount is obtained;

adding the basic recharge amount in the personal basic account to obtain the updated account amount of the personal basic account;

and updating the account amount of each personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the basic recharge amount.

4. The method of claim 3, wherein the individual primary accounts include an individual primary cash account and an individual primary subsidy account, and wherein the account amount of the individual primary accounts is the sum of the amounts of the individual primary cash account and the individual primary subsidy account;

said adding said basic load amount to said personal basic account comprises:

when a cash top-up is performed, increasing the basic top-up amount in a personal basic cash account of the personal basic account;

when a basic subsidy is recharged, adding the basic recharge amount in a personal basic subsidy account of the personal basic account;

the updating the account amount of each personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the basic recharge amount comprises the following steps:

when a cash recharge is performed, for each individual associated account of the user, adding the basic recharge amount in the individual associated cash account of the individual associated account;

when the basic subsidy is recharged, aiming at each individual associated account of the user, the basic recharge amount is added to the individual associated subsidy account of the individual associated account, or the account amount of the individual associated account is kept unchanged.

5. The method of claim 4, wherein the plurality of personal associated accounts includes a plurality of personal area accounts and a plurality of personal merchant accounts, wherein the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidy account of the personal area account is a personal area subsidy account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidy account of the personal merchant account is a personal merchant subsidy account;

when the basic subsidy is recharged, adding the basic recharge amount to the personal associated subsidy account of the personal associated account or keeping the account amount of the personal associated account unchanged for each personal associated account of the user comprises the following steps:

when a basic subsidy is recharged, for each personal area account of the user, adding the basic recharge amount in the personal area subsidy account of the personal area account, and keeping the account amount of each personal merchant account of the user unchanged.

6. The method of claim 5, further comprising:

when merchant subsidy recharging is performed in a personal merchant subsidy account of a personal merchant account, acquiring the amount of the merchant subsidy recharging;

adding the merchant subsidy recharging amount to the individual merchant subsidy account of the individual merchant account to obtain the updated account amount of the individual merchant account;

the account amounts of the individual primary account, the individual personal area accounts, and each of the other individual merchant accounts are maintained.

7. The method of claim 1, further comprising:

after a new personal associated account is created for the user, the account amount of the personal basic account is acquired;

and setting the account amount of the new personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the account amount of the personal basic account.

8. The method of claim 7, wherein the individual primary accounts include an individual primary cash account and an individual primary subsidized account, and wherein the account amount of the individual primary account is the sum of the amounts of the individual primary cash account and the individual primary subsidized account;

the setting of the account amount of the new personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the account amount of the personal basic account comprises the following steps:

setting the amount of the personal associated cash account of the new personal associated account to the amount of the personal basic cash account of the personal basic account;

setting the amount of the personal associated subsidy account of the new personal associated account as the amount of the personal base subsidy account of the personal base account, or setting the amount of the personal associated subsidy account of the new personal associated account as the initial amount corresponding to the new personal associated account.

9. The method of claim 8, wherein the plurality of personal associated accounts includes a plurality of personal area accounts and a plurality of personal merchant accounts, wherein the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidy account of the personal area account is a personal area subsidy account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidy account of the personal merchant account is a personal merchant subsidy account;

setting the amount of the personal associated subsidy account of the new personal associated account as the amount of the personal base subsidy account of the personal base account, or as the initial amount corresponding to the new personal associated account, including:

when the new personal associated account is a new personal area account, setting the amount of money of a personal area subsidy account of the new personal area account as the amount of money of the personal basic subsidy account of the personal basic account;

and when the new personal associated account is a new personal merchant account, setting the amount of the personal merchant subsidy account of the new personal merchant account as the initial amount corresponding to the new personal merchant account.

10. The method of claim 1, wherein the plurality of personal associated accounts comprises a plurality of personal area accounts;

before the acquiring the consumption amount of the personal associated account, the method further comprises the following steps:

when the user applies for consumption aiming at one personal area account, determining whether to allow consumption according to a consumption rule corresponding to the personal area account;

when the consumption is determined to be allowed, the acquiring the consumption amount of the personal associated account comprises the following steps:

and determining the area consumption amount of the personal area account according to the clearing rule corresponding to the personal area account.

11. An associated account maintenance device is characterized in that a personal basic account is created for a user, and a plurality of personal associated accounts associated with the personal basic account are also created for the user, wherein the personal basic account comprises a personal basic cash account and a personal basic subsidy account, and the account amount of the personal basic account is the sum of the amounts of the personal basic cash account and the personal basic subsidy account; each individual associated account comprises an individual associated cash account and an individual associated subsidy account, and the account amount of each individual associated account is the sum of the amounts of the individual associated cash account and the individual associated subsidy account;

the device comprises:

the consumption amount acquisition module is used for acquiring the consumption amount of the personal associated account when the user consumes the personal associated account; the first amount updating module is used for deducting the consumption amount from the personal associated account to obtain the updated account amount of the personal associated account;

the second amount updating module is used for updating the account amount of the personal basic account according to the first account conversion rule between the personal basic account and the personal associated account based on the consumption amount; a third amount updating module, configured to update account amounts of other individual associated accounts of the user according to a second account conversion rule between different individual associated accounts based on the consumption amount;

the second amount updating module is specifically used for deducting the regional consumption amount from the personal basic subsidy account when the amount in the personal basic subsidy account of the personal basic account is not less than the regional consumption amount;

the third amount updating module is specifically configured to, for each of the other personal area accounts of the user, deduct the area consumption amount from the personal area subsidy account when the amount of money in the personal area subsidy account of the personal area account is not less than the area consumption amount;

the personal basic account comprises a personal basic cash account and a personal basic subsidized account, and the account amount of the personal basic account is the sum of the amount of the personal basic cash account and the amount of the personal basic subsidized account;

the second amount updating module and the third amount updating module are specifically configured to keep the account amount of the personal basic account unchanged and keep the account amounts of other individual merchant accounts unchanged when the amount of the personal merchant subsidy account of the personal merchant account which is consumed is not less than the consumption amount of the merchant;

the personal basic account comprises a personal basic cash account and a personal basic subsidy account, and the account amount of the personal basic account is the sum of the amounts of the personal basic cash account and the personal basic subsidy account;

the plurality of personal associated accounts comprise a plurality of personal area accounts and a plurality of personal merchant accounts, wherein the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidized account of the personal area account is a personal area subsidized account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidized account of the personal merchant account is a personal merchant subsidized account;

the first amount updating module is specifically configured to, when the personal associated account where consumption occurs is a personal area account, deduct the area consumption amount from the personal basic subsidy account when the amount in the personal basic subsidy account of the personal basic account is not less than the area consumption amount; when the amount in the personal basic subsidy account of the personal basic account is smaller than the regional consumption amount, deducting the residual amount to be deducted from the personal basic cash account after the whole amount of the personal basic subsidy account is deducted;

the second amount updating module is specifically configured to, when the personal associated account where the consumption occurs is a personal area account, for each of the other personal area accounts of the user, deduct the area consumption amount from the personal area subsidy account when the amount of money in the personal area subsidy account of the personal area account is not less than the area consumption amount; when the amount of money in the personal area subsidy account of the personal area account is smaller than the area consumption amount, deducting the remaining amount of money to be deducted from the personal area cash account of the personal area account after deducting all the amount of money of the personal area subsidy account; for each individual merchant account of the user, when the amount of the individual regional subsidy account of the individual regional account where the consumption occurs is not less than the regional consumption amount, keeping the account amount of the individual merchant account unchanged; for each individual merchant account of the user, when the amount of money of a personal area subsidy account of the personal area account which is consumed is smaller than the area consumption amount, calculating the difference value of the area consumption amount minus the amount of money of the personal area subsidy account as an area cash consumption amount; deducting the local cash spending amount from the individual merchant cash account of the individual merchant account;

the first amount updating module and the second amount updating module are specifically configured to, when the personal associated account that is consumed is a personal merchant account, keep the account amount of the personal basic account unchanged, keep the account amounts of other individual merchant accounts unchanged, and keep the account amounts of individual person area accounts of the user unchanged when the amount of the personal merchant subsidy account of the personal merchant account that is consumed is not less than the merchant consumption amount;

deducting the merchant cash cost amount from the individual primary subsidized account and keeping the account amount of each of the other individual merchant accounts of the user unchanged when the amount in the individual primary subsidized account of the individual primary accounts is not less than the merchant cash cost amount;

12. The apparatus of claim 11,

the first amount updating module is specifically configured to deduct the consumption amount from the personal associated subsidy account when the amount of money in the personal associated subsidy account of the personal associated account is not less than the consumption amount; and when the amount of money in the personal associated subsidy account of the personal associated account is less than the consumption amount, deducting the remaining amount to be deducted from the personal associated cash account of the personal associated account after the total amount of money in the personal associated subsidy account is deducted.

13. The apparatus of claim 11, further comprising:

a recharge amount acquisition module for acquiring a basic recharge amount when recharging is performed in the personal basic account;

the first amount updating module is further used for adding the basic recharge amount in the personal basic account to obtain an updated account amount of the personal basic account;

and the second amount updating module is also used for updating the account amount of each personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the basic recharging amount.

14. The apparatus of claim 13, wherein the personal primary account comprises a personal primary cash account and a personal primary subsidy account, and wherein the account amount of the personal primary account is the sum of the amounts of the personal primary cash account and the personal primary subsidy account;

the first amount updating module is specifically used for adding the basic recharge amount in a personal basic cash account of the personal basic account when cash recharge is performed; when a basic subsidy is recharged, adding the basic recharge amount in a personal basic subsidy account of the personal basic account;

the second amount updating module is specifically configured to, when performing a cash recharge, add the basic recharge amount to the personal associated cash account of each personal associated account of the user; when the basic subsidy is recharged, aiming at each individual associated account of the user, the basic recharge amount is added to the individual associated subsidy account of the individual associated account, or the account amount of the individual associated account is kept unchanged.

15. The apparatus of claim 14, wherein the plurality of personal associated accounts includes a plurality of personal area accounts and a plurality of personal merchant accounts, wherein a personal associated cash account of a personal area account is a personal area cash account, a personal associated subsidized account of a personal area account is a personal area subsidized account, a personal associated cash account of a personal merchant account is a personal merchant cash account, and a personal associated subsidized account of a personal merchant account is a personal merchant subsidized account;

the second amount updating module is specifically configured to, when basic subsidy recharging is performed, add the basic recharge amount to the personal area subsidy account of the personal area account of the user for each personal area account of the user, and keep the account amount of each personal merchant account of the user unchanged.

16. The apparatus of claim 15, wherein the recharge amount obtaining module is further configured to obtain a merchant subsidy recharge amount when a merchant subsidy recharge is performed in a personal merchant subsidy account of a personal merchant account;

the first amount updating module is further configured to add the merchant subsidy recharge amount to the individual merchant subsidy account of the individual merchant account to obtain an updated account amount of the individual merchant account; the account amounts of the individual primary account, the individual personal area accounts, and each of the other individual merchant accounts are maintained.

17. The apparatus of claim 11, wherein the second amount updating module is further configured to obtain an account amount of the personal primary account after a new personal associated account is created for the user; and setting the account amount of the new personal associated account according to the first account conversion rule between the personal basic account and the personal associated account based on the account amount of the personal basic account.

18. The apparatus of claim 17, wherein the individual primary accounts include an individual primary cash account and an individual primary subsidized account, and wherein the account amount of the individual primary account is the sum of the amounts of the individual primary cash account and the individual primary subsidized account;

the second amount updating module is specifically configured to set an amount of the personal associated cash account of the new personal associated account to an amount of the personal basic cash account of the personal basic account; setting the amount of the personal associated subsidy account of the new personal associated account as the amount of the personal base subsidy account of the personal base account, or setting the amount of the personal associated subsidy account of the new personal associated account as the initial amount corresponding to the new personal associated account.

19. The apparatus of claim 18, wherein the plurality of personal associated accounts includes a plurality of personal area accounts and a plurality of personal merchant accounts, wherein the personal associated cash account of the personal area account is a personal area cash account, the personal associated subsidy account of the personal area account is a personal area subsidy account, the personal associated cash account of the personal merchant account is a personal merchant cash account, and the personal associated subsidy account of the personal merchant account is a personal merchant subsidy account;

the second amount updating module is specifically configured to set, when the new personal associated account is a new personal area account, an amount of a personal area subsidized account of the new personal area account as an amount of the personal basic subsidized account of the personal basic account; and when the new personal associated account is a new personal merchant account, setting the amount of the personal merchant subsidy account of the new personal merchant account as the initial amount corresponding to the new personal merchant account.

20. The apparatus of claim 11, wherein the plurality of personal associated accounts comprises a plurality of personal area accounts;

the device, still include:

the consumption permission detection module is used for determining whether to allow consumption according to a consumption rule corresponding to a personal area account when the user applies for consumption aiming at the personal area account;

the consumption amount obtaining module is specifically configured to, when the consumption permission detecting module determines that consumption is allowed, determine the area consumption amount of the current area account for the personal area account according to a clearing rule corresponding to the personal area account.

21. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-10.

22. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-10.