CN116362857A

CN116362857A - Automatic account spending method and device for internal account

Info

Publication number: CN116362857A
Application number: CN202310365474.5A
Authority: CN
Inventors: 薛原; 周洪菊; 李显丽; 左慧娟
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-04-07
Filing date: 2023-04-07
Publication date: 2023-06-30

Abstract

The application discloses an automatic account spending method and device for an internal account, and relates to the technical field of data processing and the financial field. The method comprises the following steps: receiving an account entry request of an internal account, wherein the account entry request comprises account parameters; judging whether a corresponding account exists or not and whether the account state of the account is normal or not according to the account parameters; if the corresponding account or the account state is abnormal, account opening processing is carried out based on the account parameters and a preset account template, and an available internal account is obtained. According to the method and the device, through simple parameter configuration, automatic account opening of the internal account is achieved as required, automatic account selling is achieved when the internal account is not used for a long time, and automatic re-opening is achieved when the account in the sold account is reused, so that service processing efficiency is remarkably improved, service processing risks are reduced, service processing experience is improved, and the pain point problem in the prior art is solved.

Description

Automatic account spending method and device for internal account

Technical Field

The application relates to the technical field of data processing and the financial field, in particular to an automatic account spending method and device for an internal account.

Background

The bank system large amount of accounting processing is based on internal accounts, wherein the internal accounts are accounts mainly used for internal accounting of banks, and comprise internal accounts, off-list accounts and financial accounts, and correspond to assets, liabilities, damage and benefit, ownership and benefit, asset and liability co-classes in the bank business, and account businesses such as off-list or matters, commission agency businesses, inventory registration and the like, and correspond to customer accounts.

The existing method for spending the internal account is as follows: when a new product of a bank needs to be checked by using an internal account, a business department corresponding to the product needs to apply for the management part; after the verification of the management part is passed, the business personnel configures the parameters of the internal account, the internal account for product accounting is manually opened, and the management part needs to complete the opening of the internal account of the whole network site in advance by manual operation; when the product is withdrawn or the internal account is not used for a long time, service personnel need to manually sell the user according to the supervision requirement; if the account is to be reused later, the account needs to be opened manually again.

Therefore, the related business processing workload of the user is large, the efficiency is low, the operation risk is high, and inconvenience is brought to business development in the existing internal account.

Disclosure of Invention

In order to solve at least one of the above problems in the prior art, an embodiment of the present application provides a method and an apparatus for automatically taking account of an internal account.

According to a first aspect of an embodiment of the present application, the present application provides an automatic account spending method for an internal account, including:

receiving an account entry request of an internal account, wherein the account entry request comprises account parameters;

judging whether a corresponding account exists or not and whether the account state of the account is normal or not according to the account parameters;

if the corresponding account or the account state is abnormal, account opening processing is carried out based on the account parameters and a preset account template, and an available internal account is obtained.

In one embodiment, the account parameters include an account number and a family name;

the step of judging whether the corresponding account exists or not and whether the account state of the account is normal according to the account parameters comprises the following steps:

judging whether a corresponding account exists or not according to the account parameters and the account name;

if the corresponding account exists, acquiring the account state of the account and judging whether the account state is a sales user or not;

if the account state is the sales user, determining that the account state of the account is abnormal; otherwise, determining that the account state of the account is normal.

In an embodiment, when no corresponding account exists, the account opening process based on the account parameter and a preset account template includes:

verifying the account parameters based on an account template;

after verification, the account parameters are inserted into an account table, a printing control table, a quota register, an overhead register and an accounting log to finish the new account opening process.

In an embodiment, when the account status of the account is abnormal, the account opening process based on the account parameter and a preset account template includes:

verifying the account parameters based on an account template;

after verification, updating the corresponding account table and the printing control table according to the account parameters, inserting the account parameters into an account register and an accounting log, and finishing the re-opening process of the account.

In an embodiment, the method for automatically spending the internal account further comprises:

and performing account checking processing based on the available internal accounts, updating account balance, and registering account checking details and accounting logs.

acquiring an automatic account number of an available internal account at a preset time;

respectively judging whether the automatic household constant is a preset value or not;

if yes, carrying out batch marketing processing on the available internal accounts with the automatic marketing constants being preset values.

In an embodiment, the batch marketing process for the available internal account with the automatic marketing constant being a preset value includes:

judging whether the available internal account with the automatic account sales constant being a preset value meets the account balance of 0 and no account is moved in the last year;

if yes, updating the account state as a sales user, and updating a sales user register book and an accounting log;

and analyzing the accounting log to generate a daily final user statistics file and a daily final user statistics report.

According to a second aspect of embodiments of the present application, there is provided an automated account holding device for an internal account, comprising:

the account checking request receiving module is used for receiving an account checking request of an internal account, wherein the account checking request comprises account parameters;

the account parameter judging module is used for judging whether a corresponding account exists or not and whether the account state of the account is normal or not according to the account parameter;

and the account opening processing module is used for performing account opening processing based on the account parameters and a preset account template to obtain an available internal account when the corresponding account does not exist or the account state is abnormal.

the account parameter judging module comprises:

the account existence judging unit is used for judging whether a corresponding account exists or not according to the account parameters and the user name;

the account state judging unit is used for acquiring the account state of the account and judging whether the account state is a sales user or not when the corresponding account exists; when the account state is a sales user, determining that the account state of the account is abnormal; otherwise, determining that the account state of the account is normal.

In an embodiment, the account opening processing module includes a new account opening processing unit, configured to verify, when no corresponding account exists, the account parameter based on an account template;

In an embodiment, the account opening processing module includes a sales re-opening processing unit, configured to verify the account parameter based on an account template when an account status of the account is abnormal;

In an embodiment, the automatic account holding device of the internal account further comprises an account holding processing module for:

In an embodiment, the automatic account holding device of the internal account further comprises a account holding processing module for:

In an embodiment, the pin processing module is specifically configured to:

if yes, updating the account state of the corresponding internal account to be a sales user, and updating a sales user register book and an accounting log;

According to a third aspect of embodiments of the present application, there is provided a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method for automatically spending accounts in any of the internal accounts provided herein when the computer program is executed by the processor.

According to a fourth aspect of embodiments of the present application, there is provided a computer readable storage medium storing a computer program which, when executed by a processor, implements the automated account holding method of any one of the internal accounts provided herein.

According to the automatic account taking method and device for the internal account, through simple parameter configuration, automatic account taking according to needs of the internal account, automatic account taking when the internal account is not used for a long time, and automatic re-taking when the internal account of the sold account is re-used are achieved, the service processing efficiency is remarkably improved, the service processing risk is reduced, the service processing experience is improved, and the pain point problem in the prior art is solved.

Drawings

In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:

fig. 1 is a schematic diagram of an automatic account reading method for an internal account provided in the present application.

Fig. 2 is a schematic diagram illustrating steps of account checking provided in the present application.

Fig. 3 is a schematic step diagram of a new account opening process provided in the present application.

Fig. 4 is a schematic diagram of steps of the pin re-opening process provided in the present application.

Fig. 5 is another schematic diagram of an automatic account holding method for an internal account provided in the present application.

Fig. 6 is another schematic diagram of an automatic account holding method for an internal account provided in the present application.

Fig. 7 is another schematic diagram of an automatic account holding method for an internal account provided in the present application.

Fig. 8 is a schematic diagram of an automatic account holding device for internal accounts provided in the present application.

Fig. 9 is a schematic diagram of an automatic account holding device for internal accounts provided in the present application.

Fig. 10 is a schematic diagram of an automatic account holding device for internal accounts provided in the present application.

Fig. 11 is a schematic diagram of an automatic account taking device for an internal account provided in the present application.

Fig. 12 is a schematic diagram of an automatic account holding device for internal accounts provided in the present application.

Fig. 13 is a schematic diagram of a computer device provided in the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.

It should be noted that the method and device for automatically spending the internal account in the present application can be used in the technical field of data processing and the financial field, and also can be used in any field other than the technical field of data processing and the financial field, and the application field of the method and device for automatically spending the internal account in the present application is not limited.

In the technical scheme, the acquisition, storage, use, processing and the like of the data all accord with relevant regulations of laws and regulations.

According to a first aspect of an embodiment of the present application, the present application provides an automatic account spending method for an internal account, as shown in fig. 1, the method includes:

step S101, receiving an account-checking request of an internal account, wherein the account-checking request comprises account parameters;

the account entry request of the step comprises an account entry request of an internal account user initiated from a counter, a mobile phone bank, an online bank, an ATM (automatic teller machine) and other channels in transaction scenes such as cash, check-out, charging and the like, and the scheme can be triggered by calling the account entry service of the internal account user of the bank and sending the account entry request.

The account parameters of the internal account requesting account entry include basic information such as account serial number, currency, account name, subjects, account attributes and the like.

Step S102, judging whether a corresponding account exists or not and whether the account state of the account is normal or not according to the account parameters; if the corresponding internal account exists and the account state is normal, the account opening process is not needed, the automatic account opening process is ended, the subsequent process is carried out, and the account opening process is carried out based on the internal account.

Step S103, if the corresponding account or the account state is abnormal, account opening processing is carried out based on the account parameters and a preset account template, and an available internal account is obtained.

The step S102 and the step S103 are to check the account of the internal account for which the account-in request is made, and to determine whether the account exists or not, and whether the account state is normal when the account exists. In consideration of the case where there is no corresponding internal account and the case where there is a corresponding internal account but the internal account has been sold, the posting process cannot be performed, so step S102 first performs account checking. When the internal account does not exist or is sold, automatic account opening is carried out, and account entering processing failure is avoided.

As seen from the above, since the cases where the account opening process is required include two cases, that is, the internal account does not exist and the internal account exists but has been sold, the account opening process in step S103 also has two different processing manners, that is, the new account opening process performed when the internal account does not exist and the sale re-opening process performed when the internal account exists but has been sold, respectively, so as to avoid the internal account from repeating the account opening. Specifically, the account opening processing can be performed by calling a preset automatic account opening interface.

In an embodiment, as shown in fig. 2, step S102, determining whether a corresponding account exists and whether the account status of the account is normal according to the account parameter includes:

step S1021, judging whether a corresponding account exists according to the account parameter and the user name; if the corresponding account exists, executing step S1022; if the corresponding account does not exist, executing the step S103 to perform account opening processing, specifically executing the step S103 to perform new account opening processing;

step S1022, obtaining the account state of the account and judging whether the account state is a sales user; if the account status is a sales user, executing step S1023; otherwise, executing step S1024;

step S1023, determining that the account state of the account is abnormal, and then executing step S103 to perform account opening processing, specifically executing step S103 to perform sales re-opening processing;

step S1024, determining that the account status of the account is normal, and ending the automatic account opening process.

In an embodiment, when there is no corresponding account, step S103 is executed to perform a new account opening process, and at this time, step S103 performs an account opening process based on the account parameters and a preset account template, and further includes the steps shown in fig. 3:

step S1031, verifying the account parameters based on an account template; if the verification is passed, step S1032 is performed; if the verification is not passed, ending the flow and feeding back failure information;

the account template in step S1031 defines basic information such as a local area code, an application number, an account number, a currency, a family name, a subject number, and an account attribute for the control parameter when the account template is used for the user in the internal account. For each control parameter, it is defined whether to allow the parameter to be null, data type, length, decimal, value range, whether to associate standard, default value type and other parameter value requirements.

Checking the account parameters based on the account template comprises checking whether the account parameters comprise all control parameters in the account template or not and whether the values of all control parameters meet the corresponding value requirements or not. When all the control parameters required by account opening are contained in the account parameters and the values of all the control parameters meet the corresponding value requirements, determining that the verification result is verification passing; and when at least one of the control parameters defined in the account template is not contained in the account parameters or the value of at least one parameter in the account parameters does not meet the corresponding value requirement, determining that the verification result is that the verification is not passed.

Step S1032, inserting the account parameters into account table, printing control table, limit register, spending register and accounting log to complete new account opening process.

In step S1032, the account parameters are inserted into the specific system table, thereby realizing the new account opening process. The form of the account table is similar to an account template, wherein the account table comprises account parameters such as data partition codes, account numbers, currencies, account names, subject numbers and the like, the account parameters correspond to control parameters such as area codes, application numbers, account serial numbers, currencies, user names, subject numbers and the like in the account template, and the actual value of each account parameter is recorded in the account table, which is different from the value requirement of defining each control parameter in the account template. In addition, the account table also includes undefined parameters in the account template, such as "account status" for indicating account status. For example, for a newly opened internal account, the account status is a user-defined value representing that the internal account is normal, and for example, the account status can be represented by a specific number "1", a letter "a", a letter "normal", or the like.

The account register is used for registering records of automatic account opening and automatic account selling operation, and comprises data partition codes, transaction area codes, protocol labels, account types, working dates, account marks, account states and other parameters and values thereof.

The information related to the newly opened internal account is recorded in a user-defined form in a printing control table, a quota register and an accounting log for other system call inquiry.

In an embodiment, when the account exists but the account status is abnormal, step S103 is executed to perform the process of re-opening the account, and step S103 is executed to perform the process of opening the account based on the account parameter and the preset account template, and further includes the steps shown in fig. 4:

step S1033, verifying the account parameters based on an account template; if the verification passes, step S1034 is performed; if the verification is not passed, ending the flow and feeding back failure information;

the verification step in step S1033 is similar to the verification step in step S1031 of the foregoing embodiment, and the verification is performed on whether the account parameters include the required parameters and whether the parameter values meet the corresponding value requirements based on the basic information such as the area code, the application number, the account serial number, the currency, the family name, the subject number, the account attribute, and the like defined in the account template and the value requirements thereof.

When all the control parameters required by account opening are contained in the account parameters and the values of all the control parameters meet the corresponding value requirements, determining that the verification result is verification passing; and when at least one of the control parameters defined in the account template is not contained in the account parameters or the value of at least one parameter in the account parameters does not meet the corresponding value requirement, determining that the verification result is that the verification is not passed.

Step S1034, updating the corresponding account table and the printing control table according to the account parameters, inserting the account parameters into the account register and the accounting log, and completing the re-opening process of the account.

The account table, the print control table, the spending user register and the accounting log in the step are identical to those in the step S1032 in the foregoing embodiment, and only the step S1032 is needed, and the details are omitted here. Unlike the new account opening process, the account opening process is aimed at the internal account which has been opened but has the account state of the account opening, and when the internal account is opened newly, the corresponding account table and the printing control table are generated, so that when the account opening process is carried out again, only the parameter values of the account table, the account state in the printing control table and the like which can reflect the two different states of "the account opening" and "normal" are updated. For example, for the internal account of the sold user, the account state is a user-defined value representing the normal state of the internal account, and for example, the internal account can be represented by a specific number "0", a letter "b" or a letter "sold user" and the like; when the sales user reopens, the account status is updated to a user-defined value representing that the internal account is normal, for example, the account status can be represented by a specific number "1", a letter "a", a letter "normal", or the like.

The account registration book is used for registering the records of the automatic account opening and automatic account closing operations, and thus, as long as the automatic account opening process or the automatic account closing process is performed, the records need to be made in the account registration book, and the accounting logs are similar.

In an embodiment, as shown in fig. 5, the method for automatically spending a user in the internal account further includes:

step S104, performing account entry processing based on the available internal accounts, updating account balance, and registering account entry details and accounting logs.

The account opening process is triggered based on the account opening request, and the available internal account obtained through the account opening process is used for account opening accounting, so that after the account opening process is completed, the balance of the available internal account is updated based on the account moving information in the account opening request, account opening details and accounting logs are registered, and the account opening process of the internal account is completed.

In an embodiment, as shown in fig. 6, the method for automatically spending a user in the internal account further includes:

step S201, acquiring an automatic account-selling constant of an available internal account at a preset time;

the available internal account in this step refers to an internal account that has been opened and the account state is normal. The automatic account-selling constant is a parameter which is generated when the internal account opens and used for indicating whether the internal account needs to be sold or not, and the parameter can be stored in an account table or other structures corresponding to the internal account by user definition.

Step S202, judging whether the automatic household constant is a preset value or not respectively; if yes, go to step S203; if not, ending the current flow;

and when the automatic sales constant corresponding to the available internal account is a preset value indicating that sales are required, indicating that the internal account is required to be subjected to sales processing. The automatic sales constant is, for example, a number, letter, or text, etc. that is user-defined.

The step is used for carrying out statistical screening on the internal account with the automatic sales constant being a preset value so as to carry out batch sales processing in the subsequent step.

Step S203, performing batch marketing processing on the available internal accounts with the automatic marketing constants being preset values.

In order to improve the data processing efficiency, the step adopts a batch processing mode to conduct marketing. And (3) updating account parameters of the internal account with the automatic account sales constant being a preset value, which is screened in the step S202, for example, updating the account state to be 'account sales', updating a corresponding account table and a printing control table, and inserting the updated account parameters into an account sales register and an accounting log to finish the account sales process.

The embodiment defines that the internal accounts with normal account states of the opened accounts are subjected to batch sales processing periodically in order to meet the supervision requirement. The time of batch sales processing is, for example, the end of day, and the time of account opening processing in the foregoing embodiment is, for example, the daytime.

In one embodiment, as shown in fig. 7, step S203 is performed to perform batch marketing processing on the available internal accounts with the automatic marketing constants being the preset value, including:

step S2031, determining whether the available internal account with the automatic account number constant being a preset value satisfies that the account balance is 0 and no account is moved in the last year; if yes, execute step S2032; if not, ending the current flow.

Step S2032, updating the account status to the sales user, and updating the sales user registry and accounting log;

and step S2033, analyzing the accounting log to generate a daily final user statistical file and a daily final user statistical report.

The step analyzes the daily final user statistics file and report generated by the accounting log, and can be called by other services and used for user statistics inquiry.

According to the automatic account spending method for the internal account, through simple parameter configuration, automatic account spending of the internal account when the internal account is not used for a long time and automatic reopening of the spent internal account when the spent internal account is reused are achieved, service processing efficiency is remarkably improved, service processing risk is reduced, service processing experience is improved, and the pain point problem in the prior art is solved.

Based on the same inventive concept, the embodiments of the present application also provide an automatic account spending device for an internal account, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Because the principle of the automatic account spending device of the internal account for solving the problem is similar to that of the automatic account spending method of the internal account, the implementation of the automatic account spending device of the internal account can be referred to the implementation of the automatic account spending method of the internal account, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the system described in the following embodiments is preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.

According to a second aspect of an embodiment of the present application, there is provided an automatic account holding device for an internal account, as shown in fig. 8, including:

the posting request receiving module 301 is configured to receive a posting request of an internal account, where the posting request includes account parameters;

the account parameter judging module 302 is configured to judge whether a corresponding account exists or not and whether an account state of the account is normal or not according to the account parameter;

and the account opening processing module 303 is configured to perform account opening processing based on the account parameter and a preset account template when the corresponding account does not exist or the account state is abnormal, so as to obtain an available internal account.

as shown in fig. 9, the account parameter determination module 302 includes:

an account existence judging unit 3021, configured to judge whether a corresponding account exists according to the account parameter and the account name;

an account state judging unit 3022, configured to obtain an account state of a corresponding account and judge whether the account state is a sales user when the account exists; when the account state is a sales user, determining that the account state of the account is abnormal; otherwise, determining that the account state of the account is normal.

In an embodiment, as shown in fig. 10, the account opening processing module 303 includes a new account opening processing unit 3031, configured to verify, when no corresponding account exists, the account parameter based on an account template;

In an embodiment, please continue to refer to fig. 10, the account opening processing module includes a sales re-opening processing unit 3032, configured to verify the account parameter based on an account template when the account status of the account is abnormal;

In an embodiment, as shown in fig. 11, the automatic account holding device of the internal account further includes a posting processing module 304 for:

In an embodiment, as shown in fig. 12, the automatic account spending device of the internal account further includes a sales processing module 401 for:

In one embodiment, the pin processing module 401 is specifically configured to:

The automatic account taking device for the internal account realizes automatic account opening of the internal account according to needs, automatic account selling when the internal account is not used for a long time and automatic re-opening when the sold internal account is reused through simple parameter configuration, thereby remarkably improving service processing efficiency, reducing service processing risk, improving service processing experience and solving the pain point problem in the prior art.

In an embodiment, the present application further provides a computer device, referring to fig. 13, the electronic device 100 specifically includes:

a central processing unit (processor) 110, a memory (memory) 120, communication modules (Communications) 130, an input unit 140, an output unit 150, and a power supply 160.

The memory (memory) 120, communication module (communication) 130, input unit 140, output unit 150, and power supply 160 are respectively connected to the central processing unit (processor) 110. The memory 120 stores a computer program, and the central processor 110 may call the computer program, and when the central processor 110 executes the computer program, all the steps in the method for automatically taking account of the internal account in the above embodiment are implemented.

In an embodiment, embodiments of the present application also provide a computer readable storage medium storing a computer program executable by a processor. The computer program, when executed by a processor, implements the automated account holding method for any one of the internal accounts provided by the present invention.

It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims

1. An automated account holding method for an internal account, comprising:

2. The method for automatically spending a household in an internal account according to claim 1, wherein the account parameters include account number and household name;

3. The method for automatically taking account from internal account according to claim 2, wherein when there is no corresponding account, the account opening process based on the account parameters and a preset account template includes:

verifying the account parameters based on an account template;

4. The method for automatically taking account from internal account according to claim 2, wherein when the account status of the account is abnormal, the account opening process based on the account parameters and a preset account template comprises:

verifying the account parameters based on an account template;

5. The automated account holding method of an internal account of claim 1 further comprising:

6. The automated account holding method of an internal account of claim 1 further comprising:

7. The method for automatically selling internal accounts according to claim 6, wherein the batch selling of available internal accounts with the automatic selling constant being a preset value comprises:

8. An automated account holding apparatus for an internal account, comprising:

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method for automatically spending an internal account according to any one of claims 1 to 7 when executing the computer program.

10. A computer readable storage medium, characterized in that it stores a computer program which, when executed by a processor, implements the method for automatic account reading of an internal account according to any one of claims 1 to 7.