CN105321073A - Method for establishing relation between accounts, account management platform and system - Google Patents
Method for establishing relation between accounts, account management platform and system Download PDFInfo
- Publication number
- CN105321073A CN105321073A CN201410334701.9A CN201410334701A CN105321073A CN 105321073 A CN105321073 A CN 105321073A CN 201410334701 A CN201410334701 A CN 201410334701A CN 105321073 A CN105321073 A CN 105321073A
- Authority
- CN
- China
- Prior art keywords
- account
- master slave
- slave relation
- management platform
- main
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention provides a method for establishing a relation between accounts, an account management platform and a system. The method is applied to the account management platform, and comprises the steps of receiving a first request, which applies for establishing an account master-slave relation with a second account, from a first account; sending a second request, which asks for establishing the account master-slave relation between the second account and the first account, to the second account; and receiving an agreement response from the second account, and establishing the master-slave relation. A user can carry out internet payment by using an account of another person under the condition that credit, money and balance of telephone charge of the user are insufficient, thereby improving the flexibility and the convenience of payment.
Description
Technical field
The present invention relates to network payment technology, refer to a kind of method, account management platform and the system of setting up relation between account especially.
Background technology
In internet payment technology, user submits the order of service or commodity online to, the supplier of service or commodity returns consumption information to user, user confirms an order and selects internet payment-bank's on-line payment, operator's credit balance payment etc., user submits to consumption information and personal information to bank data centers or carrier billing systems, bank data centers or carrier billing systems carry out authentication, by after carry out transaction processing, return supplier's transaction processing result.
There are the following problems for prior art: user only can use me account to consume, and is subject to my account balance restriction; And management and control cannot be carried out to the consumption of special object.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of method, account management platform and the system of setting up relation between account, and solve in prior art, user only can use me account to consume, and this can be subject to the defect of my account balance restriction.
For solving the problems of the technologies described above, embodiments of the invention provide a kind of method setting up relation between account, and be applied to account management platform, method comprises: receive and ask from setting up first of account master slave relation between the first account application and the second account; Send request to the second account and set up second of described account master slave relation between this second account and first account and ask; The agreement received from the second account responds, and sets up described master slave relation.
In described method, account management platform is bank data centers or carrier billing systems specifically.
In described method, also comprise: according to the master slave relation between the first account and the second account, specified the Spending Limit of subordinate account by the main account in described master slave relation.
In described method, also comprise: receive the main account proxy payment application that adjunct account is initiated; The application of described main account proxy payment is sent to main account; Receive the response of primary account accept money really, carry out main account payment operation.
In described method, also comprise after receiving the main account proxy payment application that adjunct account initiates: adjunct account authentication is passed through, and pays amount and do not exceed described Spending Limit.
Setting up an account management platform for relation between account, comprising: receiving element, asking from setting up first of account master slave relation between the first account application and the second account for receiving; Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account; Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
In described account management platform, account management platform is bank data centers or carrier billing systems specifically.
In described account management platform, also comprise: authentication ' unit, for the identity of the adjunct account in certification first account and the second account, and whether certification payment amount exceedes Spending Limit.
In described account management platform, described receiving element, also for receiving the main account proxy payment application that adjunct account is initiated; Described retransmission unit, also for the application of described main account proxy payment being sent to the main account in the first account and the second account; Also comprising: clearing unit, for receiving the response of primary account accept money really, carrying out main account payment operation.
Set up a system for relation between account, comprising: account management platform, first terminal and the second terminal; First terminal, for running the first account; Second terminal, for running the second account; Account management platform comprises receiving element, retransmission unit and master slave relation and sets up unit, wherein receiving element, asks from setting up first of account master slave relation between the first account application and the second account for receiving; Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account; Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
The beneficial effect of technique scheme of the present invention is as follows: user can use other people account to carry out internet payment in the situation of my credit, fund, credit balance deficiency, improves dirigibility and the convenience of payment.
Accompanying drawing explanation
Fig. 1 represents a kind of method flow schematic diagram setting up relation between account;
Fig. 2 represents that adjunct account initiates to set up master slave relation and arrange Spending Limit schematic diagram;
Fig. 3 represents that main account initiates to set up master slave relation and arrange Spending Limit schematic diagram;
Fig. 4 represents proxy payment schematic diagram.
Embodiment
For making the technical problem to be solved in the present invention, technical scheme and advantage clearly, be described in detail below in conjunction with the accompanying drawings and the specific embodiments.
Relate to multiple new concept or definition in the embodiment of the present invention, this comprises:
Adjunct account, is subordinated to proxy payment account, by proxy payment account proxy payment expense and consumption be subject to proxy payment account restriction account.
Main account, for the adjunct account defrayment setting up master slave relation also can control the account of the adjunct account Spending Limit of master slave relation.
Bank data centers, bank sets up and integrates that data store, the hardware and software platform of authentication and transaction processing function.
Carrier billing systems, operator sets up and integrates that data store, the hardware and software platform of authentication and charging processing capacity.
The embodiment of the present invention provides a kind of method setting up relation between account, as shown in Figure 1, is applied to account management platform, comprises:
Step 11, receives and asks from setting up first of account master slave relation between the first account application and the second account;
Step 12, sends request to the second account and sets up second of described account master slave relation between this second account and first account and ask;
Step 13, the agreement received from the second account responds, and sets up described master slave relation.
Apply the technology that provides, user can use other people account to carry out internet payment in the situation of my credit, fund, credit balance deficiency, improves dirigibility and the convenience of payment.
In a preferred embodiment, account management platform specifically bank data centers or carrier billing systems.
In a preferred embodiment, also comprise: according to the master slave relation between the first account and the second account, specify Spending Limit by the main account in the first account and the second account.
In a preferred embodiment, the first account is adjunct account, and the second account is main account.When described second account is main account, in described agreement responds, specify Spending Limit by the second account; In like manner, when described first account is main account, in described agreement responds, specify Spending Limit by the first account.
In an application scenarios, the first account is adjunct account, and the second account is main account, and account management platform is bank data centers or carrier billing systems specifically, and as shown in Figure 2, the flow process that adjunct account is set up master slave relation and arranged Spending Limit comprises:
Step 21, the first account is as adjunct account, and submit adjunct account-> main account data to, request and main account set up master slave relation.
Step 22, bank data centers/carrier billing systems carries out authentication to adjunct account, and inquiry main account state.
Step 23, show main account by authentication and status poll result normal, bank data centers/carrier billing systems transmits the request of adjunct account submission to main account.
Step 24, main account accepts the request that master slave relation is set up in adjunct account requirement, and arranges adjunct account Spending Limit.
Step 25, bank data centers/carrier billing systems returns master slave relation and Spending Limit information respectively to main account and adjunct account.
So far, the flow process set up master slave relation and arrange Spending Limit that adjunct account is initiated terminates.
In a preferred embodiment, when described first account is main account, in the first request, specify Spending Limit by the first account.
In a preferred embodiment, also comprise: bank data centers/carrier billing systems returns master slave relation and Spending Limit information respectively to main account and adjunct account.
In an application scenarios, as shown in Figure 3, the flow process that main account is set up master slave relation and arranged Spending Limit comprises:
Step 31, the user of main account submits adjunct account subscriber data to, and request and adjunct account set up master slave relation, and arrange Spending Limit.
Step 32, bank data centers/carrier billing systems carries out authentication to main account, inquires about adjunct account state simultaneously.
Step 33, main account authentication is passed through, and inquiry adjunct account state normally then inquires whether adjunct account sets up master slave relation; Inquiry adjunct account state is not for open, and whether inquiry adjunct account is opened account and set up master slave relation.
Step 34, after receiving queried access, adjunct account accepts to set up master slave relation.
Step 35, bank data centers/carrier billing systems returns master slave relation and Spending Limit information respectively to main account and adjunct account.
So far, main account initiates to set up master slave relation and arrange Spending Limit flow process to terminate.
Can be known by each embodiment, in a preferred embodiment, also comprise: bank data centers/carrier billing systems, after setting up described master slave relation, needs to return master slave relation and Spending Limit information respectively to main account and adjunct account.
In a preferred embodiment, also comprise: receive the main account proxy payment application that adjunct account is initiated;
The application of described main account proxy payment is sent to main account;
Receive the response of primary account accept money really, carry out main account payment operation.
In a preferred embodiment, also comprise after receiving the main account proxy payment application that adjunct account initiates: adjunct account authentication is passed through, and pays amount and do not exceed described Spending Limit.Concrete certification in this verification process: adjunct account-> main account, the identity of main account-> adjunct account, and whether certification payment amount exceedes Spending Limit.
In a preferred embodiment, the application of described main account proxy payment is sent to main account after also comprise: the terminal at main account place needs to show details of this payment to point out user.
In an application scenarios, composition graphs 4, the flow process of the consumption that main account proxy payment adjunct account is initiated comprises:
Step 41, adjunct account initiates the application of main account proxy payment.
Step 42, bank data centers/carrier billing systems carries out authentication and spending limit inquiry to adjunct account.
Step 43, adjunct account identity is passed through, and pays and does not exceed Spending Limit, go to step 46;
Adjunct account authentication is passed through, payment exceedes Spending Limit, goes to step 44.
Step 44, bank data centers/whether carrier billing systems prompting main account improves Spending Limit and accept this pays request.
Step 45, main account accepts this and pays application.
Step 46, returns the payment result of adjunct account.So far, remote payment authenticating user identification flow process terminates.
If main account is the account of the head of a family, and subordinate account is pupillary account, is then conducive to the head of a family and controls the behavior of pupillary internet, avoid overconsumption.
The embodiment of the present invention provides a kind of account management platform setting up relation between account, comprising:
Receiving element, asks from setting up first of account master slave relation between the first account application and the second account for receiving;
Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account;
Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
In a preferred embodiment, account management platform specifically bank data centers or carrier billing systems.
In a preferred embodiment, also comprise: authentication ' unit, for certification adjunct account-> main account, the identity of main account-> adjunct account, and whether certification payment amount exceedes Spending Limit.
In a preferred embodiment,
Described receiving element, also for receiving the main account proxy payment application that adjunct account is initiated;
Described retransmission unit, also for the application of described main account proxy payment is sent to main account;
Also comprising: clearing unit, for receiving the response of primary account accept money really, carrying out main account payment operation.
The embodiment of the present invention provides a kind of system setting up relation between account, comprising: account management platform, first terminal and the second terminal;
First terminal, for running the first account;
Second terminal, for running the second account;
Account management platform comprises receiving element, retransmission unit and master slave relation and sets up unit, wherein
Receiving element, asks from setting up first of account master slave relation between the first account application and the second account for receiving;
Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account;
Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
The advantage after this programme is adopted to be: user can use other people account to carry out internet payment in the situation of my credit, fund, credit balance deficiency, improves dirigibility and the convenience of payment; If main account is the account of the head of a family, and subordinate account is pupillary account, is then conducive to the head of a family and controls the behavior of pupillary internet, avoid overconsumption.
The above is the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the prerequisite not departing from principle of the present invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (10)
1. set up a method for relation between account, be applied to account management platform, it is characterized in that, method comprises:
Receive and ask from setting up first of account master slave relation between the first account application and the second account;
Send request to the second account and set up second of described account master slave relation between this second account and first account and ask;
The agreement received from the second account responds, and sets up described master slave relation.
2. method according to claim 1, is characterized in that,
Account management platform is bank data centers or carrier billing systems specifically.
3. method according to claim 1, is characterized in that, also comprises: according to the master slave relation between the first account and the second account, is specified the Spending Limit of subordinate account by the main account in described master slave relation.
4. method according to claim 3, is characterized in that, also comprises:
Receive the main account proxy payment application that adjunct account is initiated;
The application of described main account proxy payment is sent to main account;
Receive the response of primary account accept money really, carry out main account payment operation.
5. method according to claim 4, is characterized in that, also comprises after receiving the main account proxy payment application of adjunct account initiation:
Adjunct account authentication is passed through, and pays amount and do not exceed described Spending Limit.
6. set up an account management platform for relation between account, it is characterized in that, comprising:
Receiving element, asks from setting up first of account master slave relation between the first account application and the second account for receiving;
Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account;
Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
7. account management platform according to claim 6, is characterized in that,
Account management platform is bank data centers or carrier billing systems specifically.
8. account management platform according to claim 6, is characterized in that, also comprises:
Authentication ' unit, for the identity of the adjunct account in certification first account and the second account, and whether certification payment amount exceedes Spending Limit.
9. account management platform according to claim 8, is characterized in that,
Described receiving element, also for receiving the main account proxy payment application that adjunct account is initiated;
Described retransmission unit, also for the application of described main account proxy payment being sent to the main account in the first account and the second account;
Also comprise:
Clearing unit, for receiving the response of primary account accept money really, carries out main account payment operation.
10. set up a system for relation between account, it is characterized in that, comprising: account management platform, first terminal and the second terminal;
First terminal, for running the first account;
Second terminal, for running the second account;
Account management platform comprises receiving element, retransmission unit and master slave relation and sets up unit, wherein
Receiving element, asks from setting up first of account master slave relation between the first account application and the second account for receiving;
Retransmission unit, sets up second of described account master slave relation between this second account and first account ask for sending request to the second account;
Master slave relation sets up unit, responds, set up described master slave relation for the agreement received from the second account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410334701.9A CN105321073A (en) | 2014-07-14 | 2014-07-14 | Method for establishing relation between accounts, account management platform and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410334701.9A CN105321073A (en) | 2014-07-14 | 2014-07-14 | Method for establishing relation between accounts, account management platform and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105321073A true CN105321073A (en) | 2016-02-10 |
Family
ID=55248409
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410334701.9A Pending CN105321073A (en) | 2014-07-14 | 2014-07-14 | Method for establishing relation between accounts, account management platform and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105321073A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106875243A (en) * | 2016-06-29 | 2017-06-20 | 阿里巴巴集团控股有限公司 | A kind of network trading method and device that control is separated based on authority |
| WO2018201674A1 (en) * | 2017-10-19 | 2018-11-08 | 钟杰东 | Electronic payment subsidiary account management method |
| CN109118189A (en) * | 2018-06-25 | 2019-01-01 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus paid using smart machine |
| WO2020124565A1 (en) * | 2018-12-21 | 2020-06-25 | Nokia Technologies Oy | Online charging in communication systems |
| CN112926994A (en) * | 2021-03-29 | 2021-06-08 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device |
| US11070644B1 (en) * | 2020-06-29 | 2021-07-20 | Amazon Technologies, Inc. | Resource grouped architecture for profile switching |
| CN113450106A (en) * | 2021-07-21 | 2021-09-28 | 商盟商务服务有限公司 | Method and system for managing account of prepaid card |
| CN115115441A (en) * | 2021-03-18 | 2022-09-27 | 关文杰 | User data processing method and device |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102045664A (en) * | 2009-10-20 | 2011-05-04 | 华为技术有限公司 | Method for deducting fee by using prepayment system, service platform and gateway equipment |
| CN103166910A (en) * | 2011-12-08 | 2013-06-19 | 阿里巴巴集团控股有限公司 | Internet account processing method and internet account processing system |
| CN103679449A (en) * | 2013-12-25 | 2014-03-26 | 拉卡拉支付有限公司 | System and method for data processing |
-
2014
- 2014-07-14 CN CN201410334701.9A patent/CN105321073A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102045664A (en) * | 2009-10-20 | 2011-05-04 | 华为技术有限公司 | Method for deducting fee by using prepayment system, service platform and gateway equipment |
| CN103166910A (en) * | 2011-12-08 | 2013-06-19 | 阿里巴巴集团控股有限公司 | Internet account processing method and internet account processing system |
| CN103679449A (en) * | 2013-12-25 | 2014-03-26 | 拉卡拉支付有限公司 | System and method for data processing |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106875243A (en) * | 2016-06-29 | 2017-06-20 | 阿里巴巴集团控股有限公司 | A kind of network trading method and device that control is separated based on authority |
| WO2018201674A1 (en) * | 2017-10-19 | 2018-11-08 | 钟杰东 | Electronic payment subsidiary account management method |
| CN109118189A (en) * | 2018-06-25 | 2019-01-01 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus paid using smart machine |
| WO2020124565A1 (en) * | 2018-12-21 | 2020-06-25 | Nokia Technologies Oy | Online charging in communication systems |
| US11070644B1 (en) * | 2020-06-29 | 2021-07-20 | Amazon Technologies, Inc. | Resource grouped architecture for profile switching |
| CN115115441A (en) * | 2021-03-18 | 2022-09-27 | 关文杰 | User data processing method and device |
| CN112926994A (en) * | 2021-03-29 | 2021-06-08 | 支付宝(杭州)信息技术有限公司 | Resource processing method and device |
| CN113450106A (en) * | 2021-07-21 | 2021-09-28 | 商盟商务服务有限公司 | Method and system for managing account of prepaid card |
| CN113450106B (en) * | 2021-07-21 | 2023-06-09 | 商盟商务服务有限公司 | Method and system for managing prepaid card accounts |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105321073A (en) | Method for establishing relation between accounts, account management platform and system | |
| WO2017113503A1 (en) | Payment method, payment apparatus and wearable device | |
| CN103413241A (en) | Bank reception and payment system | |
| CN103975352A (en) | Securely reloadable electronic wallet | |
| CN104200362A (en) | Payment processing method based on NFC smart card and mobile internet terminal | |
| CN104599122A (en) | Quick payment method, related equipment and related system | |
| CN104751335B (en) | Method for processing business, device and terminal | |
| CN104574080A (en) | Safe payment method as well as related equipment and system | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| TWI605396B (en) | Return resource processing method and device | |
| CN108805539A (en) | A kind of method of payment, mobile device and storage device that Intrusion Detection based on host snap gauge is quasi- | |
| CN113837732A (en) | Internet resource transfer method, account transfer method and device | |
| WO2016123793A1 (en) | Payment method, payment terminal and cash collection terminal | |
| CN109670965A (en) | Processing method and processing device, storage medium, the computer equipment of funds data | |
| CN111552954A (en) | Account management method and device | |
| CN107392752B (en) | Digital currency wallet query method and query system | |
| CN107392602B (en) | Method and system for querying digital currency wallet | |
| CN109445919A (en) | Online computing resource transaction system based on cloud service | |
| CN109754321B (en) | Data processing method and device, medium and terminal thereof | |
| CN105741119A (en) | Business implementation method and device | |
| CN106162527A (en) | A kind of SIM management method, system, user terminal and service end | |
| CN108270582A (en) | The treating method and apparatus of floating resources | |
| CN111178872B (en) | Mobile phone bank payment method and device free of mobile phone verification code | |
| CN107506631A (en) | Face recognition payment system and its method of work | |
| CA3063551C (en) | Data processing method and system for substituted issuing of electronic certificate, and money management server |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160210 |
|
| RJ01 | Rejection of invention patent application after publication |