CN101093567A - System and method of implementing family account - Google Patents
System and method of implementing family account Download PDFInfo
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- CN101093567A CN101093567A CNA2007101198363A CN200710119836A CN101093567A CN 101093567 A CN101093567 A CN 101093567A CN A2007101198363 A CNA2007101198363 A CN A2007101198363A CN 200710119836 A CN200710119836 A CN 200710119836A CN 101093567 A CN101093567 A CN 101093567A
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Abstract
A family account system comprises primary account stored in system host, at least one family account correlated with primary account for finalizing payment transaction of primary account when balance on primary account is under shortage, at least one transaction terminal for realizing interaction of user to system host, external financial network for connecting transaction terminal to system host. The method utilizing said system to realize family account is also disclosed.
Description
Technical field
The present invention relates to fund account administrative skill field in the financial business, relate in particular to a kind of system and method for realizing family account.
Background technology
In the daily life; the situation of managed together and the same bank account of domination needing to appear through regular meeting between the kinsfolk; for example family finance account, the father and mother that arrange jointly between the man and wife offer the bank account of child's use etc., and at present, more common account disposal route has following two kinds of situations:
1, open a third party jointly and arrange account, the fund revenue and expenditure of family in daily economic activity can be undertaken by described agreement account.Like this, well solved the account pooling management of family's fund, but there are the ins and outs that detailed grasp fund can not take place according to the account of described account, promptly can not embody " which fund who has operated ", be easy to occur the account fund and supervise unclear problem.In addition, after the basis that loses the existence of agreement account, as situations such as conjugal relation releasing, child work, needing the kinsfolk to carry out cancellation to bank handles, otherwise can stay to banking system " the rubbish account (can not use promptly, but the account that also needs banking system that it is managed) ".
2, the kinsfolk uses separately independently account respectively, the fund revenue and expenditure in daily economic activity, the kinsfolk all by separately independently account carry out.Like this, solved the account supervision problem of " which fund who has operated " to a certain extent, but the detail that need print each segregated account respectively, there is untimely, inconvenient problem in its account supervision; On the other hand, because the revenue and expenditure of fund is undertaken by each segregated account, exist the kinsfolk not manage to the account pooling of fund in the daily economic activity, independently of one another, and,, need to carry out immediately between the kinsfolk fund allocation and transfer between the account when account when Sorry, your ticket has not enough value with payment because fund is dispersed in each independently in the account, just can finish the processing of foreign payment, bring inconvenience for daily economic activity.
In a word, at above-mentioned situation, prior art can not well provide and both make things convenient for the account pooling management of kinsfolk to fund in the daily economic activity, make things convenient for the kinsfolk in time to supervise the account situation of account again, and can provide flexibly fund allocation and transfer timely automatically, to ensure the technical scheme of normal economic activity.
Summary of the invention
(1) technical matters that will solve
In view of this, one object of the present invention is to provide a kind of system that realizes family account, so that the kinsfolk is to the account pooling management of fund in the daily economic activity and the account situation of timely supervision account, and can provide flexibly fund allocation and transfer timely automatically, to ensure normal daily economic activity.
Another object of the present invention is to provide a kind of method that realizes family account, so that the kinsfolk is to the account pooling management of fund in the daily economic activity and the account situation of timely supervision account, and can provide flexibly fund allocation and transfer timely automatically, to ensure normal daily economic activity.
(2) technical scheme
For reaching an above-mentioned purpose, the invention provides a kind of system that realizes family account, this system comprises:
One system host, store an one-level account in this system host, and at least one family account related with described one-level account, when described one-level account balance was not enough, system host called the payment transaction that the described family account related with the one-level account finished described one-level account;
At least one transaction terminal is used to realize the mutual of user and system host;
Outside banking network is used to connect transaction terminal and system host.
In the such scheme, described system host comprises:
One data memory device comprises a family account unit at least, storage one one-level account in the described family account unit, and at least one family account related with described one-level account;
One data processing equipment, be used to receive the transaction request of transaction terminal by outside banking network input, from data memory device, select family account according to the transaction request that receives, to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction, and return result to transaction terminal;
The interface that at least one and outside banking network is connected is used to realize being connected of system host and outside banking network.
In the such scheme, described family account licenses to the account of the described one-level account side of opening an account supervision for the side of opening an account of this family account, the authority of supervision comprises the balance amount information of inquiring about family account, the generation detail of inquiry family account in a time range, and in the foreign payment of described one-level account when Sorry, your ticket has not enough value, family account is authorized fund allocation and transfer in the amount scope.
In the such scheme, described data processing equipment comprises:
Main control unit is used for comport interface recognition unit, checking processing unit, authorisation process unit and Account Disposal unit the transaction request that receives is handled;
The interface recognition unit is used for identification and judges which outside banking network is transaction request come from, and receives the transaction request of outside banking network transmission;
The checking processing unit is used for selecting family account according to the transaction request that receives from data memory device, and the family account of selecting is carried out password authentification, if password is correct, then continues to handle transaction request; Otherwise, return password error message, end process to transaction terminal;
The authorisation process unit is used for the family account unit is increased, inquires about or changing processing according to the transaction request that receives;
The Account Disposal unit is used for after the password authentification of checking processing unit is passed through described family account unit being carried out Account Disposal, judge that whether described one-level account balance is more than or equal to the request amount of money, if, then directly described one-level account is carried out the remaining sum deduction, pay; Otherwise, select a family account, the fund in the mandate fund amount scope of alloting from the family account of selecting is to described one-level account, and then pays.
In the such scheme, described authorisation process unit comprises the processing that the family account unit increases: the side of opening an account of family account is authorized the side of opening an account of one-level account, and the side of opening an account that authorizes the one-level account has the authority of inquiring about described family account or allocating and transferring funds from described family account; Search access right comprises that the one-level account has the authority to described family account remaining sum and transaction detail query; The authority of allocating and transferring funds comprises the mandate amount, authorizes Start Date, authorizes the cut-off date, when the described one-level account generation foreign payment situation that Sorry, your ticket has not enough value, described one-level account has authorizes fund allocation and transfer authority in the amount scope to described family account;
The processing that described authorisation process unit is inquired about the family account unit comprises inquiry into balance and transaction detail query, and the balance amount information of one-level account in the described family account unit and family account is returned in inquiry into balance; One-level account and the transaction details information of family account in customer requirement query time section in the described family account unit are returned in transaction detail query;
Described authorisation process unit comprises the processing that the family account unit changes: the family account side of opening an account in the family account unit cancels the mandate to the one-level account side of opening an account in the family account unit, or changes fund amount, the mandate cut-off date of authorizing;
Fund in the mandate fund amount scope is alloted to described one-level account's process in described Account Disposal unit from the family account of selecting, also comprise: if the payable amount in the family account of selecting still is not enough to payment, then continue to select the family account of next sequential bits to carry out alloting of fund, till being enough to payment, if all family accounts all are not enough to payment, then payment transaction failure, the order of described selection family account is the default in advance order of client, or be the order of setting according to the time sequencing that adds family account, or be the order of setting according to the amount height order of family account.
In the such scheme, described transaction terminal is internet channel, Possum or sales counter, and described Possum is ATM, POS machine or Mobile banking.
For reaching above-mentioned another purpose, the invention provides a kind of method that realizes family account, this method comprises:
Data processing equipment receives the transaction request of transaction terminal by outside banking network input;
Data processing equipment is selected family account according to the transaction request that receives from data memory device, and to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction;
Data processing equipment returns result by outside banking network to transaction terminal.
In the such scheme, described data processing equipment further comprises after receiving transaction request: the transaction request that the main control unit calling interface recognition unit identification of data processing equipment receives, judge transaction request from which outside banking network, the checking processing unit of data processing equipment is selected family account from data memory device then.
In the such scheme, described data processing equipment carries out authorisation process to family account and comprises:
Under the one-level account of family account unit, increase, cancel or upgrade family account according to transaction request, and/or
Increase, cancel or upgrade authorization privilege, mandate Start Date and/or the mandate of a certain family account by date and time information according to transaction request.
In the such scheme, described data processing equipment carries out query processing to family account and comprises: data processing equipment carries out inquiry into balance or transaction detail query to family account, inquires about the balance amount information of one-level account in the described family account unit and family account; Or inquire about one-level account and the transaction details information of family account in customer requirement query time section in the described family account unit.
In the such scheme, described data processing equipment comprises the family account transaction processing of paying: the checking processing unit of data processing equipment judges whether the password that is received from transaction terminal is consistent with predefined password, if it is consistent, then password is correct, to the transaction of paying of family account unit, reduce remaining sum; Otherwise, return the password error message, Fail Transaction.
In the such scheme, described data processing equipment carries out Account Disposal to family account and comprises: enough whether the one-level account balance of the family account unit that the Account Disposal unit judges of data processing equipment is selected payment, if enough payments, then, reduce remaining sum to the processing of directly paying of the one-level account of described family account unit; Otherwise, select a family account, and judge described one-level account balance adds whether the alloted amount of the family account of selection is enough to payment, if, then the alloted amount of the described family account of selecting is alloted described one-level account, then described one-level account is reduced the payment amount; Otherwise, return that Sorry, your ticket has not enough value information, Fail Transaction.
In the such scheme, described selection family account is to select according to the default in advance order of the height order of fund amount, the time sequencing that adds this family account or client;
Describedly judge the one-level account balance adds when whether the alloted amount of the family account of selection is enough to pay, if the remaining sum of family account then can be alloted amount and just equal described mandate amount more than or equal to authorizing amount; Otherwise, can allot the real balance that amount just equals described family account.
(3) beneficial effect
From technique scheme as can be seen, the present invention has following beneficial effect:
Utilize the present invention, by in the data processing equipment of family account disposal system, increasing authorisation process unit, Account Disposal unit and in data storage device, increase the family account unit, realized the related of personal account (being described one-level account) and its family account; Make things convenient for kinsfolk one side to give the opposing party or in many ways, making can increase family account by the authorisation process unit between the kinsfolk, the operating right of change family account and inquiry family account account situation with the account authorization of oneself.And the account in the family account unit takes place, and Sorry, your ticket has not enough value with in the payment, can order from its family account, allocate and transfer funds, be convenient to the kinsfolk to the account pooling management of fund in the daily economic activity and the requirement of the account situation of supervision account in time thereby both reached, can provide flexibly fund allocation and transfer timely automatically again, ensure normal economic activity.
Description of drawings
Fig. 1 is the structural representation of realization family account provided by the invention system;
Fig. 2 is the structural representation of the family account unit of the data storage device among Fig. 1;
Fig. 3 is the structural representation of data processing equipment among Fig. 1;
Fig. 4 is the method flow diagram of realization family account provided by the invention;
Fig. 5 is an account authorization processing flow chart provided by the invention;
Fig. 6 is a family account monitoring and inquiring process flow diagram provided by the invention;
Fig. 7 is a family account foreign payment processing flow chart provided by the invention;
Fig. 8 is a family account provided by the invention unit Account Disposal process flow diagram.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiment, and with reference to accompanying drawing, the present invention is described in more detail.
As shown in Figure 1, Fig. 1 is the structural representation of realization family account provided by the invention system, and this system comprises a system host 1, at least one transaction terminal 2 and is connected the outside banking network 3 of transaction terminal and system host.
Wherein, system host 1 is used for receiving by outside banking network 3 transaction request of transaction terminals 2, and after transaction handled, the information of transaction processing success or failure of returning was given transaction terminal 2.As shown in Figure 2, store an one-level account in the system host 1, and at least one family account related with described one-level account, when described one-level account balance was not enough, system host called the payment transaction that the described family account related with the one-level account finished described one-level account.Family account is the account that its side of opening an account licenses to the supervision of the described one-level account side of opening an account, the authority of its supervision comprises the balance amount information of inquiring about family account, the transaction details of inquiry family account in a time range, when also being included in the foreign payment of one-level account Sorry, your ticket has not enough value, family account is authorized fund allocation and transfer in the amount scope, thereby satisfy one-level account foreign payment requirement, to ensure daily economic activity.
The said system main frame further comprises the interface 13 that a data memory device 11, a data processing equipment 12 are connected with at least one and outside banking network.Data memory device 11 comprises a family account unit at least, storage one one-level account in the described family account unit, and at least one family account related with described one-level account.Data processing equipment 12 is used to receive the transaction request of transaction terminal 2 by outside banking network 3 inputs, from data memory device 1, select family account according to the transaction request that receives, to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction, and return result to transaction terminal 2.The interface 13 that is connected with outside banking network is used to realize being connected of system host 1 and outside banking network 3.
Above-mentioned family account licenses to the account of the described one-level account side of opening an account supervision for the side of opening an account of this family account, the authority of supervision comprises the balance amount information of inquiring about family account, the generation detail of inquiry family account in a time range, and in the foreign payment of described one-level account when Sorry, your ticket has not enough value, family account is authorized fund allocation and transfer in the amount scope.
Above-mentioned data processing equipment further comprises main control unit 30, interface recognition unit 31, checking processing unit 32, authorisation process unit 33 and Account Disposal unit 34.Wherein, main control unit 30 transaction request that is used for comport interface recognition unit 31, checking processing unit 32, the 34 pairs of receptions in authorisation process unit 33 and Account Disposal unit is handled.Interface recognition unit 31 is used for identification and judges transaction request comes from which outside banking network (as internet channel, Possum ATM, POS machine, Mobile banking, sales counter and other specialized equipments), receives the transaction request of outside banking network transmission.Checking processing unit 32 is used for selecting family account according to the transaction request that receives from data memory device, and the family account of selecting is carried out password authentification, if password is correct, then continues to handle transaction request; Otherwise, return password error message, end process to transaction terminal.Authorisation process unit 33 is used for the family account unit is increased, inquires about or changing processing according to the transaction request that receives.Account Disposal unit 34 is used for after the password authentification of checking processing unit is passed through, described family account unit is carried out Account Disposal, whether judge described one-level account balance more than or equal to the request amount of money, if, then directly described one-level account is carried out the remaining sum deduction, pay; Otherwise, select a family account, the fund in the mandate fund amount scope of alloting from the family account of selecting is to described one-level account, and then pays.
The processing that 33 pairs of family account unit, above-mentioned authorisation process unit increase comprises: the side of opening an account of family account is authorized the side of opening an account of one-level account, and the side of opening an account that authorizes the one-level account has the authority of inquiring about described family account or allocating and transferring funds from described family account; Search access right comprises that the one-level account has the authority to described family account remaining sum and transaction detail query; The authority of allocating and transferring funds comprises the mandate amount, authorizes Start Date, authorizes the cut-off date, when the described one-level account generation foreign payment situation that Sorry, your ticket has not enough value, described one-level account has authorizes fund allocation and transfer authority in the amount scope to described family account.For example: after the side of opening an account of account A was authorized the side of opening an account of account B, account B was exactly the one-level account in the family account unit, and account A is exactly the one family account of account B.
The processing that 33 pairs of family account unit, above-mentioned authorisation process unit are inquired about comprises inquiry into balance and transaction detail query, and the balance amount information of one-level account in the described family account unit and family account is returned in inquiry into balance; One-level account and the transaction details information of family account in customer requirement query time section in the described family account unit are returned in transaction detail query;
The processing that 33 pairs of family account unit, above-mentioned authorisation process unit change comprises: the family account side of opening an account in the family account unit cancels the mandate to the one-level account side of opening an account in the family account unit, or changes fund amount, the mandate cut-off date of authorizing.
Based on the system of Fig. 1, Fig. 2 and realization family account shown in Figure 3, Fig. 4 shows the method flow diagram of realization family account provided by the invention, and this method may further comprise the steps:
Step 401: data processing equipment receives the transaction request of transaction terminal by outside banking network input;
Step 402: data processing equipment is selected family account according to the transaction request that receives from data memory device, and to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction;
Step 403: data processing equipment returns result by outside banking network to transaction terminal.
Data processing equipment further comprises after receiving transaction request described in the above-mentioned steps 401: the transaction request that the main control unit calling interface recognition unit identification of data processing equipment receives, judge transaction request is from which outside banking network, as internet channel, Possum (ATM, POS, Mobile banking etc.), sales counter and other specialized equipments, the checking processing unit of data processing equipment is selected family account from data memory device then.
Data processing equipment described in the above-mentioned steps 402 carries out authorisation process to family account and comprises: under the one-level account of family account unit, increase, cancel or upgrade family account according to transaction request, and/or according to transaction request increase, cancel or upgrade a certain family account authorization privilege, authorize Start Date and/or authorize by date and time information.
Data processing equipment described in the above-mentioned steps 402 carries out query processing to family account and comprises: data processing equipment carries out inquiry into balance or transaction detail query to family account, inquires about the balance amount information of one-level account in the described family account unit and family account; Or inquire about one-level account and the transaction details information of family account in customer requirement query time section in the described family account unit.
Data processing equipment described in the above-mentioned steps 402 comprises the family account transaction processing of paying: the checking processing unit of data processing equipment judges whether the password that is received from transaction terminal is consistent with predefined password, if it is consistent, then password is correct, to the transaction of paying of family account unit, reduce remaining sum; Otherwise, return the password error message, Fail Transaction.
Data processing equipment described in the above-mentioned steps 402 carries out Account Disposal to family account and comprises: enough whether the one-level account balance of the family account unit that the Account Disposal unit judges of data processing equipment is selected payment, if enough payments, then, reduce remaining sum to the processing of directly paying of the one-level account of described family account unit; Otherwise, select a family account, and judge described one-level account balance adds whether the alloted amount of the family account of selection is enough to payment, if, then the alloted amount of the described family account of selecting is alloted described one-level account, then described one-level account is reduced the payment amount; Otherwise, return that Sorry, your ticket has not enough value information, Fail Transaction.
Above-mentioned selection family account is to select according to the order that the height order of fund amount, the time sequencing that adds this family account or client set in advance.Describedly judge the one-level account balance adds when whether the alloted amount of the family account of selection is enough to pay, if the remaining sum of family account then can be alloted amount and just equal described mandate amount more than or equal to authorizing amount; Otherwise, can allot the real balance that amount just equals described family account.
Based on the method flow diagram of the described realization family account of Fig. 4, the present invention is realized that the method for family account further describes below in conjunction with specific embodiment.
Embodiment
Be example with account authorization processing, the processing of family account monitoring and inquiring, family account foreign payment processing and family account unit Account Disposal respectively below, further specify the method and the step that realize family account in conjunction with the accompanying drawings.
As shown in Figure 5, Fig. 5 is an account authorization processing flow chart provided by the invention, and the method comprising the steps of:
Step 500: the client sends transaction request by transaction terminal;
Step 501: outside banking network transmits the transaction request that described transaction terminal sends gives system host;
Step 502: the interface of main control unit calling interface recognition unit identification transmission client trading request, judge which outside banking network the source of transmission client trading request belongs to;
Step 503: the checking processing unit is selected corresponding family account unit;
Step 504: under the one-level account of described family account unit, increase the one family account or upgrade the information of corresponding family account, as authorization privilege, authorize Start Date, authorize by the date etc. according to transaction request.
As shown in Figure 6, Fig. 6 is a family account monitoring and inquiring process flow diagram provided by the invention, and the method comprising the steps of:
Step 600: the client sends query requests by transaction terminal to selected family account;
Step 601: outside banking network transmits the query requests that described transaction terminal sends gives system host;
Step 602: the interface of main control unit calling interface recognition unit identification transmission client query requests, judge which outside banking network the source of transmission client query requests belongs to;
Step 603: the checking processing unit is selected corresponding family account unit;
Step 604: the account generation detail and the balance amount information that return described selected family account.
As shown in Figure 7, Fig. 7 is a family account foreign payment processing flow chart provided by the invention, and the method comprising the steps of:
Step 700: the client sends transaction request by transaction terminal;
Step 701: outside banking network transmits the transaction request that described transaction terminal sends gives system host;
Step 702: the interface of main control unit calling interface recognition unit identification transmission client trading request, judge which outside banking network the source of transmission client trading request belongs to;
Step 703: the checking processing unit is selected corresponding family account unit;
Step 704: the checking processing unit carries out password and judges whether password is correct, incorrectly then enters step 705, otherwise carry out step 706;
Step 705: prompt cipher mistake, Fail Transaction;
Step 706: the Account Disposal unit carries out Account Disposal to the family account unit.
As shown in Figure 8, Fig. 8 is a family account provided by the invention unit Account Disposal process flow diagram, and the method comprising the steps of:
Step 800: whether enough the remaining sum of one-level account payment in the selected family account unit of Account Disposal unit judges is execution in step 801 then, otherwise execution in step 802;
Step 801:, reduce remaining sum to the processing of directly paying of the one-level account of described family account unit;
Step 802: according to the order of family account, this order can be the height order of fund amount, also can be the time sequencing etc. that adds this family account, selects the one family account;
Step 803: described one-level account balance adds that the alloted amount of the family account of selecting is (if the remaining sum of family account is more than or equal to authorizing amount, then can allot amount and just equal described mandate amount, otherwise can allot the remaining sum that amount just equals described family account), whether be enough to payment, be then to enter step 804, otherwise enter step 805;
Step 804: to described one-level account with select the family account processing of paying, at first the alloted amount of the described family account of selecting is alloted described one-level account, then, described one-level account is reduced the payment amount;
Step 805: judge whether it is last family account, be then to enter step 806, otherwise enter step 802 according to described order;
Step 806: balance amount prompting deficiency, Fail Transaction.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; be not limited to the present invention; within the spirit and principles in the present invention all, any modification of being made, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (13)
1, a kind of system that realizes family account is characterized in that, this system comprises:
One system host, store an one-level account in this system host, and at least one family account related with described one-level account, when described one-level account balance was not enough, system host called the payment transaction that the described family account related with the one-level account finished described one-level account;
At least one transaction terminal is used to realize the mutual of user and system host;
Outside banking network is used to connect transaction terminal and system host.
2, the system of realization family account according to claim 1 is characterized in that, described system host comprises:
One data memory device comprises a family account unit at least, storage one one-level account in the described family account unit, and at least one family account related with described one-level account;
One data processing equipment, be used to receive the transaction request of transaction terminal by outside banking network input, from data memory device, select family account according to the transaction request that receives, to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction, and return result to transaction terminal;
The interface that at least one and outside banking network is connected is used to realize being connected of system host and outside banking network.
3, the system of realization family account according to claim 2, it is characterized in that, described family account licenses to the account of the described one-level account side of opening an account supervision for the side of opening an account of this family account, the authority of supervision comprises the balance amount information of inquiring about family account, the generation detail of inquiry family account in a time range, and in the foreign payment of described one-level account when Sorry, your ticket has not enough value, family account is authorized fund allocation and transfer in the amount scope.
4, the system of realization family account according to claim 2 is characterized in that, described data processing equipment comprises:
Main control unit is used for comport interface recognition unit, checking processing unit, authorisation process unit and Account Disposal unit the transaction request that receives is handled;
The interface recognition unit is used for identification and judges which outside banking network is transaction request come from, and receives the transaction request of outside banking network transmission;
The checking processing unit is used for selecting family account according to the transaction request that receives from data memory device, and the family account of selecting is carried out password authentification, if password is correct, then continues to handle transaction request; Otherwise, return password error message, end process to transaction terminal;
The authorisation process unit is used for the family account unit is increased, inquires about or changing processing according to the transaction request that receives;
The Account Disposal unit is used for after the password authentification of checking processing unit is passed through described family account unit being carried out Account Disposal, judge that whether described one-level account balance is more than or equal to the request amount of money, if, then directly described one-level account is carried out the remaining sum deduction, pay; Otherwise, select a family account, the fund in the mandate fund amount scope of alloting from the family account of selecting is to described one-level account, and then pays.
5, the system of realization family account according to claim 4 is characterized in that,
Described authorisation process unit comprises the processing that the family account unit increases: the side of opening an account of family account is authorized the side of opening an account of one-level account, and the side of opening an account that authorizes the one-level account has the authority of inquiring about described family account or allocating and transferring funds from described family account; Search access right comprises that the one-level account has the authority to described family account remaining sum and transaction detail query; The authority of allocating and transferring funds comprises the mandate amount, authorizes Start Date, authorizes the cut-off date, when the described one-level account generation foreign payment situation that Sorry, your ticket has not enough value, described one-level account has authorizes fund allocation and transfer authority in the amount scope to described family account;
The processing that described authorisation process unit is inquired about the family account unit comprises inquiry into balance and transaction detail query, and the balance amount information of one-level account in the described family account unit and family account is returned in inquiry into balance; One-level account and the transaction details information of family account in customer requirement query time section in the described family account unit are returned in transaction detail query;
Described authorisation process unit comprises the processing that the family account unit changes: the family account side of opening an account in the family account unit cancels the mandate to the one-level account side of opening an account in the family account unit, or changes fund amount, the mandate cut-off date of authorizing;
Fund in the mandate fund amount scope is alloted to described one-level account's process in described Account Disposal unit from the family account of selecting, also comprise: if the payable amount in the family account of selecting still is not enough to payment, then continue to select the family account of next sequential bits to carry out alloting of fund, till being enough to payment, if all family accounts all are not enough to payment, then payment transaction failure, the order of described selection family account is the default in advance order of client, or be the order of setting according to the time sequencing that adds family account, or be the order of setting according to the amount height order of family account.
6, the system of realization family account according to claim 1 is characterized in that, described transaction terminal is internet channel, Possum or sales counter, and described Possum is ATM, POS machine or Mobile banking.
7, a kind of method that realizes family account is characterized in that, this method comprises:
Data processing equipment receives the transaction request of transaction terminal by outside banking network input;
Data processing equipment is selected family account according to the transaction request that receives from data memory device, and to the family account of selecting authorize, the Account Disposal of inquiry, payment transaction;
Data processing equipment returns result by outside banking network to transaction terminal.
8, the method for realization family account according to claim 7 is characterized in that, described data processing equipment further comprises after receiving transaction request:
Which outside banking network is the transaction request that the main control unit calling interface recognition unit identification of data processing equipment receives judge transaction request from, and the checking processing unit of data processing equipment is selected family account from data memory device then.
9, the method for realization family account according to claim 7 is characterized in that, described data processing equipment carries out authorisation process to family account and comprises:
Under the one-level account of family account unit, increase, cancel or upgrade family account according to transaction request, and/or
Increase, cancel or upgrade authorization privilege, mandate Start Date and/or the mandate of a certain family account by date and time information according to transaction request.
10, the method for realization family account according to claim 7 is characterized in that, described data processing equipment carries out query processing to family account and comprises:
Data processing equipment carries out inquiry into balance or transaction detail query to family account, inquires about the balance amount information of one-level account in the described family account unit and family account; Or inquire about one-level account and the transaction details information of family account in customer requirement query time section in the described family account unit.
11, the method for realization family account according to claim 7 is characterized in that, described data processing equipment comprises the family account transaction processing of paying:
The checking processing unit of data processing equipment judges whether the password that is received from transaction terminal is consistent with predefined password, if unanimity, then password is correct, to the transaction of paying of family account unit, reduces remaining sum; Otherwise, return the password error message, Fail Transaction.
12, the method for realization family account according to claim 7 is characterized in that, described data processing equipment carries out Account Disposal to family account and comprises:
Enough whether the one-level account balance of the family account unit that the Account Disposal unit judges of data processing equipment is selected payment, if enough pay, then to the processing of directly paying of the one-level account of described family account unit, reduces remaining sum; Otherwise, select a family account, and judge described one-level account balance adds whether the alloted amount of the family account of selection is enough to payment, if, then the alloted amount of the described family account of selecting is alloted described one-level account, then described one-level account is reduced the payment amount; Otherwise, return that Sorry, your ticket has not enough value information, Fail Transaction.
13, the method for realization family account according to claim 12 is characterized in that,
Described selection family account is to select according to the default in advance order of the height order of fund amount, the time sequencing that adds this family account or client;
Describedly judge the one-level account balance adds when whether the alloted amount of the family account of selection is enough to pay, if the remaining sum of family account then can be alloted amount and just equal described mandate amount more than or equal to authorizing amount; Otherwise, can allot the real balance that amount just equals described family account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101198363A CN101093567A (en) | 2007-08-01 | 2007-08-01 | System and method of implementing family account |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101198363A CN101093567A (en) | 2007-08-01 | 2007-08-01 | System and method of implementing family account |
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| CN101093567A true CN101093567A (en) | 2007-12-26 |
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| CNA2007101198363A Pending CN101093567A (en) | 2007-08-01 | 2007-08-01 | System and method of implementing family account |
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