CN105933331B

CN105933331B - Method and device for operating account

Info

Publication number: CN105933331B
Application number: CN201610414838.4A
Authority: CN
Inventors: 杨义凡
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2016-06-13
Filing date: 2016-06-13
Publication date: 2020-07-17
Anticipated expiration: 2036-06-13
Also published as: CN105933331A

Abstract

The invention relates to a method and a device for operating an account, wherein the method comprises the following steps: receiving a common account operation request; acquiring a first account owner identification triggering the shared account operation request, and acquiring a second account owner identification having an account sharing relationship with the first account owner identification; sending an authorization notification to a terminal corresponding to the acquired second account owner identifier; receiving an authorization response sent by the terminal corresponding to the acquired second account owner identification in response to the authorization notification; and when an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes is received, executing the shared account operation requested by the shared account operation request. According to the method and the device for operating the account, multiple people can share the same shared account, and the account safety is ensured.

Description

Method and device for operating account

Technical Field

The invention relates to the technical field of internet, in particular to a method and a device for operating an account.

Background

The account can be used for recording the exclusive information of the user, such as storing a message record, a credit record or a credit consumption record of the user, and controlling the access of the account through certain security measures, and the individual to which the account belongs separately holds a verification certificate which can be verified through the security measures, so that the account can be separately accessed and operated by the individual to which the account belongs. With the development of internet technology, more and more users have respective accounts, and in some groups of people with high trust, there is a need to share accounts, for example, there is a need to share accounts among family or close friends.

At present, sharing an account is generally implemented by actively sharing authentication credentials by an individual to whom the account belongs, for example, the individual to whom the account belongs can actively tell others about its account password, so that others can log in the same account with the same account number. However, the risk of revealing the authentication credential exists when the individual who the account belongs to actively shares the authentication credential, and potential safety hazards exist.

Disclosure of Invention

Therefore, it is necessary to provide a method and an apparatus for operating an account, aiming at the technical problem that the current account sharing mode has a potential safety hazard.

A method of operating an account, comprising:

receiving a common account operation request;

acquiring a first account owner identification triggering the shared account operation request, and acquiring a second account owner identification having an account sharing relationship with the first account owner identification;

sending an authorization notification to a terminal corresponding to the acquired second account owner identifier;

receiving an authorization response sent by the terminal corresponding to the acquired second account owner identification in response to the authorization notification;

and when an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes is received, executing the shared account operation requested by the shared account operation request.

An apparatus to operate an account, comprising:

the shared account operation request processing module is used for receiving a shared account operation request; acquiring a first account owner identification triggering the shared account operation request, and acquiring a second account owner identification having an account sharing relationship with the first account owner identification;

the authorization notification sending module is used for sending an authorization notification to the terminal corresponding to the acquired second account owner identifier;

an authorization response receiving module, configured to receive an authorization response sent by the terminal corresponding to the obtained second account owner identifier in response to the authorization notification;

and the shared account operation execution module is used for executing the shared account operation requested by the shared account operation request when receiving an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes.

A method of operating an account, comprising:

acquiring a trigger instruction, sending a shared account operation request to a server according to the trigger instruction, enabling the server to acquire a second account owner identifier having an account sharing relationship with the first account owner identifier, sending an authorization notification to a terminal corresponding to the acquired second account owner identifier, and receiving an authorization response sent in response to the authorization notification;

receiving a common account operation result sent by the server after the common account operation requested by the common account operation request is executed; and the shared account operation is executed when the server receives an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes.

An apparatus to operate an account, comprising:

the shared account operation request triggering module is used for acquiring a triggering instruction, sending a shared account operation request to a server according to the triggering instruction, enabling the server to acquire a second account owner identifier having an account sharing relation with the first account owner identifier, sending an authorization notification to a terminal corresponding to the acquired second account owner identifier, and receiving an authorization response sent in response to the authorization notification;

a shared account operation result receiving module, configured to receive a shared account operation result sent by the server after executing the shared account operation requested by the shared account operation request; and the shared account operation is executed when the server receives an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes.

The method and the device for operating the account respond to the shared account operation request, send the authorization notice to the terminal used by the account sharer having the shared account relation with the operation requester, and permit the shared account operation requested by the shared account operation request to be executed when the sent authorization notices all obtain the authorization responses which are in one-to-one correspondence and represent authorization passing. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured.

Drawings

FIG. 1 is a diagram of an application environment for a system operating accounts in one embodiment;

FIG. 2 is a diagram illustrating an internal architecture of a server according to an embodiment;

fig. 3 is a schematic diagram of the internal structure of the terminal in one embodiment;

FIG. 4 is a schematic flow diagram of a method of operating an account in one embodiment;

FIG. 5 is a diagram of an account management page in one embodiment;

FIG. 6 is a diagram of an operations with account page in one embodiment;

FIG. 7 is a diagram of a shared account opening page in one embodiment;

FIG. 8 is a diagram of a page of a contact list in one embodiment;

FIG. 9 is a diagram of a page of a message list in one embodiment;

FIG. 10 is a diagram of an authorization page in one embodiment;

FIG. 11 is a diagram of an account management page in one embodiment;

FIG. 12 is a diagram of a shared account details page in one embodiment;

FIG. 13 is a diagram of a resource transfer page in one embodiment;

FIG. 14 is a schematic flow chart diagram illustrating a method for operating an account in accordance with another embodiment;

FIG. 15 is a schematic flow chart diagram illustrating a method of operating an account in accordance with yet another embodiment;

FIG. 16 is a schematic flow chart diagram illustrating a method for operating an account in accordance with yet another embodiment;

FIG. 17 is a block diagram of an apparatus for operating accounts in one embodiment;

FIG. 18 is a block diagram showing the construction of an apparatus for operating an account according to another embodiment;

FIG. 19 is a block diagram showing the construction of an apparatus for operating an account in still another embodiment;

FIG. 20 is a block diagram of an apparatus to operate accounts in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

It will be understood that, as used herein, the terms "first," "second," and the like may be used herein to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another. For example, a first terminal may be termed a second terminal, and, similarly, a second terminal may be termed a first terminal, without departing from the scope of the present invention. The first terminal and the second terminal are both terminals, but they are not the same terminal.

FIG. 1 is a diagram of an application environment for a system operating accounts in one embodiment. As shown in fig. 1, the system includes an account server 110 and an instant messaging server 120, and the account server 110 and the instant messaging server 120 can be connected to communicate with a terminal 130, which includes a first terminal 131 and a second terminal 132. The first terminal 131 may be a terminal corresponding to the first account owner identification and the second terminal 132 may be a terminal corresponding to the second account owner identification. The account server 110 may be used to store and operate a common account and the instant messaging server 120 may be used to push instant messages to the terminal 130.

Fig. 2 is a schematic diagram of the internal structure of a server in one embodiment, which may be used as the account server 110 and/or the instant messaging server 120. As shown in fig. 1, the server includes a processor, a non-volatile storage medium, an internal memory, and a network interface connected through a system bus. The server comprises a nonvolatile storage medium, an operating system, a database and an account operating device, wherein the operating system, the database and the account operating device are stored in the nonvolatile storage medium, the database can store account owner identifications corresponding to common account identifications, the account owner identifications can comprise a first account owner identification and a second account owner identification, and the account operating device is used for realizing an account operating method. The processor of the server is used for providing calculation and control capacity and supporting the operation of the whole server. The internal memory of the server provides an environment for operation of the device for operating an account in a non-volatile storage medium, and the internal memory may store computer-readable instructions that, when executed by the processor, cause the processor to perform a method for operating an account. The network interface of the server is used for connecting and communicating with an external terminal or other servers, such as receiving a common account operation request sent by the terminal, sending an authorization notification to the terminal and the like. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers. Those skilled in the art will appreciate that the architecture shown in fig. 2 is a block diagram of only a portion of the architecture associated with the subject application, and does not constitute a limitation on the servers to which the subject application applies, as a particular server may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

Fig. 3 is a schematic diagram of the internal structure of the terminal in one embodiment. As shown in fig. 3, the terminal includes a processor, a nonvolatile storage medium, an internal memory, a network interface, a display screen, and an input device, which are connected through a system bus. The nonvolatile storage medium of the terminal stores an operating system and an account operating device, and the account operating device is used for realizing a method for operating an account. The processor is used for providing calculation and control capability and supporting the operation of the whole terminal. An internal memory in the terminal provides an environment for operation of the apparatus for operating an account in a non-volatile storage medium, the internal memory having stored therein computer-readable instructions that, when executed by a processor, cause the processor to perform a method of operating an account. The network interface is used for performing network communication with the server, such as sending a shared account operation request and an authorization response to the server, receiving an authorization notification and a shared account operation result sent by the server, and the like. The display screen of the terminal can be a liquid crystal display screen or an electronic ink display screen, and the input device can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on a shell of the terminal, or an external keyboard, a touch pad or a mouse. The terminal can be a mobile terminal such as a mobile phone, a tablet computer or a personal digital assistant, and can also be a wearable device or a personal computer. Those skilled in the art will appreciate that the configuration shown in fig. 3 is a block diagram of only a portion of the configuration associated with the present application and does not constitute a limitation on the terminal to which the present application is applied, and that a particular terminal may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, the account server 110 is configured to receive a common account operation request; acquiring a first account owner identifier for triggering a common account operation request; acquiring a second account owner identifier of which the first account owner identifier has an account sharing relationship and notifying the instant messaging server 120; receiving an authorization response sent by the terminal corresponding to the acquired second account owner identification in response to the authorization notification; and when receiving an authorization response which corresponds to the acquired second account owner identification one by one and represents that the authorization passes, executing the shared account operation requested by the shared account operation request. The account server 110 may also be used to return the common account operation results to the instant messaging server 120. And the instant messaging server 120 is used for sending an authorization notification to the terminal corresponding to the acquired second account owner identification. The instant messaging server 120 may be further configured to send the common account operation result to the first account owner identifier and/or the terminal corresponding to the acquired second account owner identifier.

In one embodiment, the common account operation request comprises a common account opening request; the account server 110 is further configured to extract common account configuration information from the common account opening request, where the account configuration information includes more than one account owner identification having an account common relationship, and the account owner identification includes a first account owner identification triggering the common account operation request and a second account owner identification having an account common relationship with the first account owner identification; notifying the instant messaging server 120 of the second account holder identification; and when receiving an authorization response which is in one-to-one correspondence with the second account owner identification and represents that the authorization passes, opening the shared account according to the shared account configuration information.

In one embodiment, the common account operation request comprises a common account resource transfer request; the account server 110 is further configured to obtain, according to the shared account resource transfer request, a corresponding first account owner identifier, a shared account identifier, a resource to be transferred, and a target account identifier; acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification; notifying the instant messaging server 120 of the obtained second account holder identification; and when receiving an authorization response which is in one-to-one correspondence with the inquired second account owner identification and represents that the authorization passes, transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

In one embodiment, the account server 110 is further configured to transfer the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier when the individual accumulated transfer resource determined according to the resource to be transferred carried by the common account resource transfer request is less than or equal to the individual accumulated transferable resource; and when the personal accumulated transferred resource determined according to the resource to be transferred carried by the shared account resource transfer request is less than or equal to the personal accumulated transferable resource, acquiring a second account owner identifier which has an account sharing relationship with the first account owner identifier relative to the shared account identifier.

In one embodiment, the account server 110 is further configured to, when there is a set authentication credential corresponding to the common account identifier, determine an entered authentication credential according to the common account operation request, perform authentication according to the entered authentication credential and the set authentication credential, and if the authentication passes, obtain a second account owner identifier having an account sharing relationship with the first account owner identifier and notify the instant communication server 120; and when the set authentication credential corresponding to the common account identifier does not exist, feeding back an entrance for configuring the authentication credential to the terminal corresponding to the first account owner identifier.

In one embodiment, the first account owner identification has a social relationship chain with each acquired second account owner identification.

In one embodiment, the authorization notification carries other second account owner identifiers which do not have a social relationship chain with the second account owner identifier to which the corresponding authorization notification is sent, in the obtained second account owner identifier; the instant messaging server 120 is further configured to receive a relationship chain establishment request sent by a terminal corresponding to the identifier of the corresponding second account owner; and establishing a social relation chain between the second account owner identification sent by the corresponding authorization notice and other second account owner identifications according to the relation chain establishment request.

In the system for operating the account, the account server notifies the terminal used by the account sharer having the shared account relation with the operation requester to send the authorization notification through the instant messaging server after acquiring the shared account operation request, permits to execute the shared account operation requested by the shared account operation request when the sent authorization notification all obtains the one-to-one corresponding authorization response representing authorization passing, and pushes the shared account operation result through the instant messaging server. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured. And the instant messaging server pushes the authorization notice, so that the timeliness of operating the shared account can be ensured.

As shown in fig. 4, in an embodiment, a method for operating an account is provided, and this embodiment is exemplified by applying the method to the account server 110 and the instant messaging server 120 in fig. 1, and the account server 110 and the instant messaging server 120 can also be implemented by applying the method to a server having the functions of the account server 110 and the instant messaging server 120. The method specifically comprises the following steps:

at step 402, a common account operation request is received.

The common account operation request refers to a request for requesting an operation on a common account, and may be a common account opening request for requesting an account server to open a common account. Opening a common account refers to creating a new common account. The common account operation request may also be a common account resource transfer request for requesting the account server to perform a resource transfer operation on the common account, or may also be another request for performing an operation on the common account.

The shared account refers to an account shared by at least two users, and the user sharing the shared account is an account owner of the shared account. The common account can be a fund account, a credit account, a bitcoin account, a game account or a microblog account, and the fund account can be a financial fund account. The shared account is accessed and operated by a plurality of corresponding account owner identifications with account sharing relations respectively, and the same account does not need to be shared through the same user identification. The account-owner identification is used to uniquely identify the corresponding account-owner.

Specifically, the first terminal may obtain the trigger instruction, send the shared account operation request to the account server according to the trigger instruction, and receive the shared account operation request by the account server. The trigger instruction is an instruction for triggering the operation request of the shared account, and can be triggered in various trigger modes such as touch operation, pressing of a physical key, a voice control mode or terminal shaking operation.

Further, the first terminal may provide an operation entry of the shared account, detect a trigger operation on the operation entry, enter an account operation page according to the detected trigger operation, trigger a corresponding trigger instruction in the account operation page, and send a shared account operation request to the account server according to the trigger instruction. The operation entry can be an icon, a text link, a virtual button or the like.

For example, referring to fig. 5, the joint account is a common account, the first terminal may provide an account management page, an operation entry 502 of the common account is shown in the account management page, when it is detected that the user operates the operation entry 502, the common account operation page shown in fig. 6 is entered, and the user may trigger a common account operation request in the common account operation page and send the common account operation request to the account server. For example, the user may trigger to enter the corresponding shared account opening page through the operation entry 602 in the shared account operation page, so as to trigger the shared account opening request after the shared account opening page completes the filling of the shared account information.

In step 404, a first account owner identifier triggering a shared account operation request is obtained, and a second account owner identifier having an account sharing relationship with the first account owner identifier is obtained.

Specifically, the first account owner identifier may be a user identifier logged in by the first terminal, and the first account owner identifier may be carried in the shared account operation request when the shared account operation request is generated by the first terminal. The account server may extract the first account owner identification from the common account operation request. The second account owner identification may be extracted from the shared account operation request, or may be obtained according to the first account owner identification and the account sharing relationship between the account owner identifications.

The first account owner identification and the second account owner identification both belong to account owner identifications, the first account owner identification is a unique identification of a first account owner using the first terminal, the second account owner identification is a unique identification of a second account owner using the second terminal, the second terminal may be one or more, and the corresponding second account owner identification may also be one or more. The first account owner identification and the second account owner identification have an account sharing relationship, indicating that the first account owner and the second account owner share the same shared account.

In one embodiment, the first account owner identification has a social relationship chain with each acquired second account owner identification. The social relationship chain is based on the user relationship of the social network, and users who establish the social relationship chain can send instant messages to each other and can acquire personal information which can be acquired only when the social relationship chain exists. The social relationship chain between the first account owner identification and the second account owner identification may ensure that the relationship of the first account owner with other account owners is secure, which may ensure the security of shared account operations.

And step 406, sending an authorization notification to the terminal corresponding to the acquired second account owner identification.

Wherein the authorization notification is a notification requesting authorization of the shared account operation requested by the shared account operation request. The account server may send the acquired second account owner identifier to the instant messaging server after acquiring all second account owner identifiers having an account sharing relationship with the first account owner identifier, so that the instant messaging server sends an authorization notification to the second terminals corresponding to all second account owner identifiers through the instant messaging channel.

And step 408, receiving an authorization response sent by the terminal corresponding to the acquired second account owner identification in response to the authorization notification.

Specifically, after receiving the authorization notification, the second terminal may display corresponding authorization options, such as an authorization pass option and an authorization fail option, and when detecting a selection instruction for the authorization option, generate a corresponding authorization response according to the authorization option corresponding to the selection instruction, and send the authorization response to the account server. Wherein the authorization response is a response to the authorization notification to indicate that the authorization passed or the authorization failed.

And step 410, when receiving an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes, executing the shared account operation requested by the shared account operation request.

Specifically, the account server records the authorization response after receiving the authorization response. If the sent authorization notification corresponds to an authorization response indicating that authorization passes, and indicates that a second account owner having an account sharing relationship with the first account owner authorizes the shared account operation requested by the shared account operation request, the account server can execute the shared account operation requested by the shared account operation request.

In one embodiment, the common account operation request can be triggered by the instant messaging client, the authorization notification and the common account operation result fed back by the instant messaging server through the instant messaging channel can be received by the instant messaging client, and the common account security can be further ensured through the social relation chain of the instant messaging client.

The method for operating the account sends the authorization notice to the terminal used by the account sharer having the shared account relation with the operation requester in response to the shared account operation request, and permits the shared account operation requested by the shared account operation request to be executed when the sent authorization notices all obtain the authorization responses which are in one-to-one correspondence and represent authorization passing. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured.

In one embodiment, the method of operating an account further comprises: and sending a shared account operation result to the first account owner identification and/or the terminal corresponding to the acquired second account owner identification.

The result of the common account operation is data which is generated after the common account operation requested by the common account operation request is executed and represents the result caused by the common account operation. The result of the common account operation may include data on whether the common account operation is successful, and may also include data operated by the common account operation or data generated by the common account operation, such as the name of the account owner of the opened common account, the amount of resources successfully transferred, and the like. Specifically, the account server may feed back the common account operation result to the instant messaging server, so that the instant messaging server sends the common account operation result to a terminal corresponding to at least one of the first account owner identifier and the second account owner identifier through an instant messaging channel.

In this embodiment, the operation result of the shared account is sent to the terminal corresponding to the identifier of the first account owner and/or the identifier of the second account owner, so that the account owner of the shared account can timely know the operation dynamics of the shared account, and the security of the shared account is improved to a certain extent.

In one embodiment, the common account operation request comprises a common account opening request; step 404 includes: the method comprises extracting common account configuration information from the common account opening request, the account configuration information comprising more than one account owner identification having an account common relationship, the account owner identification comprising a first account owner identification triggering the common account operation request and a second account owner identification having an account common relationship with the first account owner identification. Executing the common account operation requested by the common account operation request includes: and opening the shared account according to the configuration information of the shared account.

Specifically, referring to fig. 7, the first terminal may obtain the shared account configuration information entered in the shared account opening page shown in fig. 7, after obtaining an instruction to confirm opening of the shared account, for example, after the user clicks the trigger control 702 and then triggers the instruction to confirm opening of the shared account, generate a shared account opening request carrying the shared account configuration information in response to the instruction to confirm opening of the shared account, and send the shared account opening request to the account server.

More specifically, the first terminal may use the user identifier of the first terminal as the first account owner identifier, and may further display a contact selection control 704 in the shared account opening page shown in fig. 7, so as to enter the contact list shown in fig. 8 according to a trigger operation on the contact selection control 704, select a contact according to the selection operation on the contact list, determine a corresponding second account owner identifier according to the selected contact when detecting a trigger operation on the contact selection confirmation control 802 in the contact list, where the second account owner identifier has an account sharing relationship with the first account owner identifier, and return to the shared account opening page.

The first terminal may also display, on the shared account opening page, identity information corresponding to the first account owner identifier and identity information corresponding to the second account owner identifier, where the identity information is, for example, a head portrait, a name, or a name of a remark. The first terminal can also delete the second account owner identification. The first terminal can also acquire common account configuration information which can be used when the common account is opened, such as the common account name and the individual accumulated transferable resource which are recorded in the common account opening page.

The instant messaging server may send an authorization notification to the second terminal corresponding to the second account owner identifier through the instant messaging channel, and after receiving the authorization notification, the second terminal may display an instant message 902 representing the authorization notification from the first account owner identifier in a message list as shown in fig. 9. The second terminal enters the authorization page as shown in fig. 10 after detecting the trigger operation for the presented instant message 902. The second terminal displays the common account configuration information carried by the authorization notification, displays an authorization passing option 1002 and an authorization failing option 1004, detects a trigger operation on the authorization passing option 1002 or the authorization failing option 1004 to trigger a corresponding authorization response, and sends the corresponding authorization response to the account server.

And when receiving an authorization response which is in one-to-one correspondence with the acquired second account owner identification and indicates that authorization passes, the account server creates a common account according to the common account configuration information in the common account opening request, allocates the common account identification to the common account, and records the account owner identification corresponding to the common account identification. The account owner identification includes a first account owner identification and a second account owner identification. When the account server creates the common account, the account server may further record the name of the common account as the common account name in the common account configuration information, and configure the individual cumulative transferable resource included in the common account configuration information for the common account.

In the embodiment, the authorization notification is sent to the second account owner one by utilizing the shared account configuration information in the shared account opening request, the authorization response which represents authorization passing is received in one-to-one correspondence, and then the opening of the shared account is completed according to the shared account configuration information, so that the owner does not need to reach the business place of the opened account to transact the business of the opened account on the spot, and the operation is very convenient and fast.

In one embodiment, the common account operation request comprises a common account resource transfer request; step 404 includes: acquiring corresponding first account owner identification, common account identification, resource to be transferred and target account identification according to the common account resource transfer request; a second account owner identification is obtained that has an account sharing relationship with the first account owner identification relative to the shared account identification. Executing the common account operation requested by the common account operation request includes: and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

The resource transfer refers to transferring the resource in one account to another account, the transferred resource may be fund, credit, bitcoin or game coin, and the corresponding common account may be a fund account, a credit account, a bitcoin account or a game account. The resource to be transferred refers to the resource requested to be transferred by the resource transfer request of the shared account, and the target account identifier refers to the unique identifier of the target account needing to perform resource transfer with the shared account. The resource to be transferred is transferred between the common account and the target account, specifically, the resource to be transferred may be transferred from the common account to the target account, or the resource to be transferred may be transferred from the target account to the common account.

Specifically, the first terminal may display existing shared account information 1002 corresponding to the first account owner identifier on the account management page as shown in fig. 11, where the shared account information includes the number of shared users, income, and total amount of resources. The first terminal may enter a shared account details page as shown in fig. 12 when detecting a trigger operation on the existing shared account information, where the shared account details page is used to show detailed information of the shared account, such as information of an account owner, income details, and a total amount of resources. The shared account details page may also trigger the opening of a new shared account.

The first terminal may use the account details page to trigger a resource transfer instruction, for example, click a presentation instruction triggered by a presentation button, and enter the resource transfer page shown in fig. 13 according to the resource transfer instruction. The first terminal may determine the target account identifier and the resource to be transferred in the resource transfer page, and when detecting the triggering operation on the resource transfer confirmation control 1302, trigger a shared account resource transfer request carrying the first account owner identifier, the shared account identifier, the resource to be transferred, and the target account identifier, and send the shared account resource transfer request to the account server. The account server obtains corresponding first account owner identification, common account identification, resources to be transferred, target account identification and second account owner identification according to the common account resource transfer request, so that an authorization notification is sent to the second terminal through an instant message channel of the instant messaging server, and after an authorization response which is in one-to-one correspondence with the authorization notification and indicates that authorization passes is received, the resources to be transferred are transferred between the common account and the target account. The target account identification can be input in advance or in real time, and the resource to be transferred can be input in real time. The common account operation result in this embodiment may include a user identifier for initiating a common account resource transfer request, a resource to be transferred, time for transferring the resource, and the like.

In this embodiment, when performing the resource transfer operation on the common account, authorization of each account owner is required, and security of the resource transfer operation for the common account can be ensured.

In one embodiment, the method of operating an account further comprises: when the personal accumulated transferred resource determined according to the resource to be transferred carried by the shared account resource transfer request is less than or equal to the personal accumulated transferable resource, transferring the resource to be transferred between the shared account corresponding to the shared account identifier and the target account corresponding to the target account identifier; and when the personal accumulated transferred resource determined according to the resource to be transferred carried by the shared account resource transfer request is less than or equal to the personal accumulated transferable resource, acquiring a second account owner identifier which has an account sharing relationship with the first account owner identifier relative to the shared account identifier.

The individual accumulated transfer resource can be determined according to the resource to be transferred carried by the common account resource transfer request, and represents that the accumulated value of the resource to be transferred from the common account resource transfer request initiated by the corresponding account owner for the first time to the current common account resource transfer request in the statistical period. The statistical period may be one or more days, one or more weeks, one or more months, etc. The personal cumulative transferable resource is the maximum personal cumulative transferable resource that is preconfigured to be allowed for resource transfers without authorization from other account owners.

Specifically, in the resource transfer page shown in fig. 13, when the triggering operation on the resource transfer confirmation control 1302 is detected, the first terminal determines the personal cumulative transfer resource according to the resource to be transferred carried in the common account resource transfer request, and obtains the configured personal cumulative transferable resource. And the first terminal compares the determined personal accumulated transfer resource with the personal accumulated transferable resource, if the personal accumulated transfer resource is less than or equal to the personal accumulated transferable resource, the common account resource transfer request is triggered and sent to the account server, so that the account server directly transfers the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier according to the common account resource transfer request. And if the individual accumulated transferred resource is larger than the individual accumulated transferable resource, triggering a shared account resource transfer request and sending the shared account resource transfer request to the account server, so that the account server acquires a second account owner identifier which has an account sharing relation with the first account owner identifier relative to the shared account identifier according to the shared account resource transfer request, sending an authorization notification to a terminal corresponding to the acquired second account owner identifier, and when receiving an authorization response which is in one-to-one correspondence with the inquired second account owner identifier and indicates that authorization passes, transferring the resource to be transferred between the shared account corresponding to the shared account identifier and a target account corresponding to the target account identifier.

In this embodiment, a resource transfer scenario requiring authorization by the second account owner and a resource transfer scenario not requiring authorization by the second account owner are divided, and by comparing the determined individual accumulated transferable resources with the individual accumulated transferable resources, which scenario is currently used can be determined, so that efficiency is mainly considered when the individual accumulated transferable resources are small, and security is more considered when the individual accumulated resource transfer is high.

In one embodiment, the account server may further determine whether the shared account operation requested by the shared account operation request is a pre-specified authorization-free shared account operation, and if so, directly execute the shared account operation requested by the shared account operation request; if not, acquiring a second account owner identifier of which the first account owner identifier has an account sharing relation, sending an authorization notification to a terminal corresponding to the acquired second account owner identifier, and receiving an authorization response sent by the terminal corresponding to the acquired second account owner identifier in response to the authorization notification; and when receiving an authorization response which corresponds to the acquired second account owner identification one by one and represents that the authorization passes, executing the shared account operation requested by the shared account operation request. The authorization-free common account operation comprises a recharging operation, an operation of buying a financial product, a total fund inquiry operation, a transaction detail inquiry operation, a profit detail inquiry operation or a financial product inquiry operation and the like. Non-unauthorized common account operations such as a common account name editing operation or an individual accumulated transferable resource modification operation, etc.

In one embodiment, the operating the account further comprises: when the set authentication credential corresponding to the common account identifier exists, determining the input authentication credential according to the common account operation request; verifying according to the input verification credential and the set verification credential, and if the verification is passed, acquiring a second account owner identifier having an account sharing relationship with the first account owner identifier; and when the set authentication credential corresponding to the common account identifier does not exist, feeding back an entrance for configuring the authentication credential to the terminal corresponding to the first account owner identifier.

The verification credential is data on which security verification is performed, and the verification credential may be a password, a sliding gesture, or a biological feature, where the password may include at least one of numbers, letters, and punctuation marks, and the sliding gesture may be represented by a position point sequence formed by a plurality of position points in sequence, and the biological feature is, for example, a fingerprint feature, a face feature, or an iris feature. The authentication credentials may be set when opening a common account. The authentication credentials may correspond one-to-one with each account owner identification, in which case each account owner uses a separate authentication credential. The authentication credential may be shared by the account owner, in which case the shared account operation request may comprise a shared account authentication credential setup request, and the authorization response indicating that authorization is passed may be required to be triggered when an authentication credential consistent with the shared account authentication credential setup request is entered.

Specifically, the account server may obtain, after receiving the shared account operation request, a first account owner identifier that triggers the shared account operation request, and determine whether the first account owner identifier corresponds to a set verification credential.

If the set verification credential is judged to exist, a notification for logging in the verification credential can be fed back to the first terminal through the instant messaging server, so that the logged-in verification credential sent by the first terminal in response to the notification is received; or the entered authentication credentials may be extracted directly from the common account operation request. The account server may compare whether the entered authentication credential corresponds to the set authentication credential. And if the first account owner identification and the second account owner identification are consistent, the verification is passed, so that a second account owner identification having an account sharing relation with the first account owner identification is obtained, and an authorization notice is sent to a terminal corresponding to the second account owner identification. If the verification is not passed, the instant communication server can feed back feedback information that the verification credential passes the verification to the first terminal.

Further, if it is determined that there is no set authentication credential, an entry for configuring the authentication credential may be fed back to the first terminal corresponding to the first account owner identifier through the instant messaging server, so that the first terminal performs configuration of the authentication credential according to the entry. Wherein the entry for the validation credential may be a configuration page for the validation credential or a link address of the configuration page for triggering configuration of the validation credential.

In this embodiment, the security of the common account is further ensured by verifying the credential, and the configuration of the credential and the opening of the common account can be performed asynchronously, and the configuration of the credential can be performed when needed, which is convenient and fast.

In one embodiment, the authorization notification carries other second account owner identifiers of the acquired second account owner identifier that do not have a social relationship chain with the second account owner identifier to which the corresponding authorization notification is sent. The method for operating the account further comprises the following steps: receiving a relation chain establishment request sent by a terminal corresponding to the second account owner identification; and establishing a social relation chain between the second account owner identification sent by the corresponding authorization notice and other second account owner identifications according to the relation chain establishment request.

In particular, even if the first account owner identification and each second account owner identification have a social relationship chain, the social relationship chain does not necessarily exist between the plurality of second account owner identifications. The authorization notification is sent to the second terminal corresponding to each acquired second account owner identification, so that each authorization notification corresponds to one sent second account owner identification. And for the second account owner identification corresponding to the authorization notification, carrying other second account owner identifications without social relation chains with the second account owner identification in the authorization notification. After receiving the authorization notification, the second terminal may extract, from the authorization notification, the other second account owner identifier where the social relationship chain does not exist, and display an operation entry triggering the relationship chain establishment request, as shown in fig. 10, when detecting a trigger operation on the operation entry, trigger a corresponding relationship chain establishment request and send the relationship chain establishment request to the instant messaging server, where the relationship chain establishment request carries the second account owner identifier to which the corresponding authorization notification is sent and the other second account owner identifier, so that the instant messaging server establishes, according to the relationship chain establishment request, the social relationship between the second account owner identifier to which the corresponding authorization notification is sent and the other second account owner identifier.

In this embodiment, when there is no social relationship chain among the second account owners, the corresponding second account owner may be directed to establish a social relationship chain with other account owners having no social relationship chain, and the security of the common account is ensured through the social relationship chain.

As shown in fig. 14, in an embodiment, a method for operating an account specifically includes the following steps:

in step 1402, the first terminal sends a common account opening request to the account server.

In step 1404, the account server extracts common account configuration information from the common account opening request, the account configuration information including more than one account owner identification having an account sharing relationship, the account owner identification including a first account owner identification triggering the common account operation request and a second account owner identification having an account sharing relationship with the first account owner identification. The account server notifies the instant messaging server of the second account holder identification.

In step 1406, the instant messaging server sends an authorization notification to the terminal corresponding to the identity of the second account holder.

The account server receives 1408 an authorization response sent by the terminal corresponding to the second account holder identification in response to the authorization notification.

Step 1410, when receiving the authorization response which is corresponding to the acquired second account owner identification one by one and represents that the authorization passes, the account server opens the shared account according to the shared account configuration information.

In step 1412, the account server returns the shared account opening result to the instant messaging server, and the instant messaging server sends the shared account opening result to the first account owner identifier and/or the terminal corresponding to the acquired second account owner identifier.

In step 1414, the first terminal sends a request for transfer of shared account resources to the account server.

Step 1416, the account server obtains the corresponding first account owner identifier, the shared account identifier, the resource to be transferred and the target account identifier according to the shared account resource transfer request.

In step 1418, the account server obtains a second account owner identification having an account sharing relationship with the first account owner identification relative to the shared account identification, and notifies the instant messaging server of the obtained second account owner identification.

And step 1420, the instant messaging server sends an authorization notification to the terminal corresponding to the acquired second account owner identification.

In step 1422, the account server receives an authorization response sent by the terminal corresponding to the acquired second account owner identity in response to the authorization notification.

Step 1424, when receiving an authorization response indicating that authorization passes, where the authorization response corresponds to the obtained second account owner identifier one to one, the account server transfers the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier.

Step 1426, the account server returns the shared account resource transfer result to the instant messaging server, and the instant messaging server sends the shared account resource transfer result to the first account owner identifier and/or the terminal corresponding to the acquired second account owner identifier.

As shown in fig. 15, in one embodiment, a method of operating an account is provided, and this embodiment is illustrated by applying the method to the first terminal 131 in fig. 1. The method specifically comprises the following steps:

step 1502, obtaining a trigger instruction, sending a shared account operation request to a server according to the trigger instruction, enabling the server to obtain a second account owner identifier having an account sharing relationship with the first account owner identifier, sending an authorization notification to a terminal corresponding to the obtained second account owner identifier, and receiving an authorization response sent in response to the authorization notification.

Step 1504, receiving a common account operation result sent by the server after executing the common account operation requested by the common account operation request; and the shared account operation is executed when the server receives an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes.

In one embodiment, the common account operation request comprises a common account opening request; step 1502 includes: acquiring a trigger instruction, and displaying a configuration page according to the trigger instruction; acquiring shared account configuration information input in a configuration page; the account configuration information comprises more than one account owner identification with an account sharing relationship, and the account owner identification comprises a first account owner identification triggering the shared account operation request and a second account owner identification with the first account owner identification with the account sharing relationship; and generating a shared account operation request carrying shared account configuration information and sending the shared account operation request to a server, so that the server acquires the shared account configuration information, acquires a first account owner identifier and a second account owner identifier from the shared account configuration information, sends an authorization notification to a terminal corresponding to the acquired second account owner identifier and receives an authorization response sent in response to the authorization notification. Here, the server may be an account server and an instant messaging server, or may be an integrated server having functions of the account server and the instant messaging server.

In one embodiment, the common account operation request comprises a common account resource transfer request; causing the server to obtain a second account owner identification having an account sharing relationship with the first account owner identification comprises: enabling the server to acquire corresponding first account owner identification, common account identification, resources to be transferred and target account identification according to the common account resource transfer request; a second account owner identification is obtained that has an account sharing relationship with the first account owner identification relative to the shared account identification. The common account operation requested by the common account operation request includes: and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

In one embodiment, the authorization notification is sent over an instant messaging channel.

As shown in fig. 16, in one embodiment, a method of operating an account is provided, and this embodiment is illustrated by applying the method to the second terminal 132 in fig. 1. The method specifically comprises the following steps:

step 1602, receiving an authorization notification sent by the server, where the authorization notification is sent by the server to a terminal corresponding to the identifier of the second account owner; the second account owner identification has an account sharing relationship with the first account owner identification; the first account owner identification is determined by the server from the received shared account operation request.

Step 1604, obtain an authorization response corresponding to the authorization notification and send it to the server.

Step 1606, receiving a common account operation result fed back by the server; the common account operation result is executed by the server when receiving an authorization response which is in one-to-one correspondence with the second account owner identification and represents that the authorization passes.

In one embodiment, the authorization notification carries other second account owner identifiers of the acquired second account owner identifier that do not have a social relationship chain with the second account owner identifier to which the corresponding authorization notification is sent. The method for operating the account further comprises the following steps: and sending a relation chain establishment request to the server, so that the server establishes a corresponding social relation chain between the second account owner identifier sent to the authorization notification and other second account owner identifiers according to the relation chain establishment request.

As shown in fig. 17, in one embodiment, an apparatus 1700 for operating an account is provided and includes: a common account operation request triggering module 1701 and a common account operation result receiving module 1702.

The shared account operation request triggering module 1701 is configured to obtain a triggering instruction, send a shared account operation request to the server according to the triggering instruction, enable the server to obtain a second account owner identifier having an account sharing relationship with the first account owner identifier, send an authorization notification to a terminal corresponding to the obtained second account owner identifier, and receive an authorization response sent in response to the authorization notification.

A common account operation result receiving module 1702, configured to receive a common account operation result sent by the server after executing the common account operation requested by the common account operation request; and the shared account operation is executed when the server receives an authorization response which is in one-to-one correspondence with the acquired second account owner identification and represents that the authorization passes.

In one embodiment, the common account operation request comprises a common account opening request; the shared account operation request triggering module 1701 is further configured to obtain a triggering instruction, and display a configuration page according to the triggering instruction; acquiring shared account configuration information input in a configuration page; the account configuration information comprises more than one account owner identification with an account sharing relationship, and the account owner identification comprises a first account owner identification triggering the shared account operation request and a second account owner identification with the first account owner identification with the account sharing relationship; and generating a shared account operation request carrying shared account configuration information and sending the shared account operation request to a server, so that the server acquires the shared account configuration information, acquires a first account owner identifier and a second account owner identifier from the shared account configuration information, sends an authorization notification to a terminal corresponding to the acquired second account owner identifier and receives an authorization response sent in response to the authorization notification.

In one embodiment, the common account operation request comprises a common account resource transfer request; the shared account operation request triggering module 1701 is further configured to enable the server to obtain a corresponding first account owner identifier, a shared account identifier, a resource to be transferred, and a target account identifier according to the shared account resource transfer request; acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification; the common account operation requested by the common account operation request includes: and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

The account operating apparatus 1700 sends an authorization notification to a terminal used by an account sharer having a shared account relationship with an operation requester in response to a shared account operation request, and permits execution of the shared account operation requested by the shared account operation request when all the sent authorization notifications obtain authorization responses indicating authorization passes in one-to-one correspondence. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured.

As shown in fig. 18, in one embodiment, there is provided an apparatus 1800 for operating an account, comprising: an authorization notification receiving module 1801, an authorization response sending module 1802, and a common account operation result receiving module 1803.

An authorization notification receiving module 1801, configured to receive an authorization notification sent by the server, where the authorization notification is sent by the server to a terminal corresponding to the identifier of the second account owner; the second account owner identification has an account sharing relationship with the first account owner identification; the first account owner identification is determined by the server from the received shared account operation request.

And an authorization response sending module 1802, configured to obtain an authorization response corresponding to the authorization notification and send the authorization response to the server.

A common account operation result receiving module 1803, configured to receive a common account operation result fed back by the server; the common account operation result is executed by the server when receiving an authorization response which is in one-to-one correspondence with the second account owner identification and represents that the authorization passes.

In one embodiment, the authorization notification carries other second account owner identifiers of the acquired second account owner identifier that do not have a social relationship chain with the second account owner identifier to which the corresponding authorization notification is sent. As shown in fig. 19, the apparatus 1800 for operating an account further includes: the relationship chain establishment request triggering module 1804 is configured to send a relationship chain establishment request to the server, so that the server establishes, according to the relationship chain establishment request, a social relationship chain between the second account owner identifier and the other second account owner identifiers sent by the corresponding authorization notification.

The account operating apparatus 1800, in response to the shared account operation request, transmits an authorization notification to a terminal used by an account sharer having a shared account relationship with the operation requester, and permits the shared account operation requested by the shared account operation request to be executed when all the transmitted authorization notifications obtain authorization responses indicating that authorization passes in one-to-one correspondence. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured.

As shown in fig. 20, in one embodiment, there is provided an apparatus 2000 for operating an account, comprising: a common account operation request processing module 2001, an authorization notification sending module 2002, an authorization response receiving module 2003, and a common account operation executing module 2004.

A common account operation request processing module 2001, configured to receive a common account operation request; the method comprises the steps of obtaining a first account owner identification triggering a shared account operation request, and obtaining a second account owner identification having an account sharing relation with the first account owner identification.

And an authorization notification sending module 2002, configured to send an authorization notification to a terminal corresponding to the obtained second account owner identifier.

And an authorization response receiving module 2003, configured to receive an authorization response sent by the terminal corresponding to the acquired second account owner identifier in response to the authorization notification.

And a shared account operation executing module 2004, configured to, when receiving an authorization response indicating that authorization passes, where the authorization response corresponds to the acquired second account holder identifier one to one, execute a shared account operation requested by the shared account operation request.

The account operating apparatus 2000 transmits an authorization notification to a terminal used by an account sharer having a shared account relationship with the operation requester in response to the shared account operation request, and permits the shared account operation requested by the shared account operation request to be executed when all the transmitted authorization notifications obtain authorization responses indicating authorization passing in one-to-one correspondence. Multiple persons can share the same shared account, and the operation of the shared account is executed only through the authorization of the account sharer, so that the account security is ensured.

In one embodiment, the common account operation request comprises a common account opening request; the common account operation request processing module 2001 is further configured to extract common account configuration information from the common account opening request, where the account configuration information includes more than one account owner identification having an account common relationship, and the account owner identification includes a first account owner identification triggering the common account operation request and a second account owner identification having an account common relationship with the first account owner identification.

The common account operation execution module 2004 is also used to open a common account according to the common account configuration information.

In one embodiment, the common account operation request comprises a common account resource transfer request; the common account operation request processing module 2001 is further configured to obtain, according to the common account resource transfer request, a corresponding first account owner identifier, a common account identifier, a resource to be transferred, and a target account identifier; a second account owner identification is obtained that has an account sharing relationship with the first account owner identification relative to the shared account identification.

The common account operation executing module 2004 is further configured to transfer the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier.

In one embodiment, the shared account operation execution module 2004 is further configured to send the result of the shared account operation to the first account owner identifier and/or the terminal corresponding to the obtained second account owner identifier.

In one embodiment, the common account operation executing module 2004 is further configured to, when the individual accumulated transferred resource determined according to the resource to be transferred carried by the common account resource transfer request is less than or equal to the individual accumulated transferable resource, transfer the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier. The shared account operation executing module 2004 is further configured to, when the individual accumulated transferred resource determined according to the resource to be transferred carried in the shared account resource transfer request is less than or equal to the individual accumulated transferable resource, obtain a second account owner identifier having an account sharing relationship with the first account owner identifier with respect to the shared account identifier.

In one embodiment, the common account operation request processing module 2001 is further configured to determine an entered authentication credential from the common account operation request when there is a provisioned authentication credential corresponding to the common account identification; verifying according to the input verification credential and the set verification credential, and if the verification is passed, acquiring a second account owner identifier having an account sharing relationship with the first account owner identifier; and when the set authentication credential corresponding to the common account identifier does not exist, feeding back an entrance for configuring the authentication credential to the terminal corresponding to the first account owner identifier.

In one embodiment, the authorization notification carries other second account owner identifiers which do not have a social relationship chain with the second account owner identifier to which the corresponding authorization notification is sent, in the obtained second account owner identifier; the means 2000 for operating an account further comprises: a relationship chain establishment request processing module (not shown in the figure), configured to receive a relationship chain establishment request sent by a terminal corresponding to the identifier of the corresponding second account owner; and establishing a social relation chain between the second account owner identification sent by the corresponding authorization notice and other second account owner identifications according to the relation chain establishment request.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above examples only show some embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A method of operating an account, comprising:

receiving a common account operation request triggered by an instant messaging client; the common account operation request is a common account opening request or a common account resource transfer request;

acquiring a first account owner identification triggering the shared account operation request, and acquiring a second account owner identification which has an account sharing relationship with the first account owner identification and establishes a social relationship chain; the social relationship chain is a friend relationship based on a social network, and if the account sharing relationship exists in the account owner identification but the user identification of the social relationship chain is not established, a control and prompt information for adding friends are displayed on an authorization page of the instant messaging client;

sending an authorization notification to a terminal corresponding to the second account owner identification for establishing the social relation chain through an instant message channel;

receiving an authorization response sent by a terminal corresponding to the second account owner identification in response to the authorization notification; the authorization response is used for indicating that the authorization passes or the authorization fails;

2. The method of claim 1, further comprising:

and sending a shared account operation result to the first account owner identification and/or the terminal corresponding to the acquired second account owner identification.

3. The method of claim 1, wherein the common account operation request comprises a common account opening request; the acquiring a first account owner identifier which triggers the common account operation request, and the acquiring a second account owner identifier which has an account common relationship with the first account owner identifier and establishes a social relationship chain comprises:

extracting common account configuration information from the common account opening request, wherein the account configuration information comprises more than one account owner identification with an account common relationship, and the account owner identification comprises a first account owner identification which triggers a common account operation request and a second account owner identification which has an account common relationship with the first account owner identification and establishes a social relationship chain;

the executing the common account operation requested by the common account operation request comprises:

and opening a common account according to the configuration information of the common account.

4. The method of any of claims 1-3, wherein the common account operation request comprises a common account resource transfer request; the acquiring a first account owner identifier which triggers the common account operation request, and the acquiring a second account owner identifier which has an account common relationship with the first account owner identifier and establishes a social relationship chain comprises:

acquiring corresponding first account owner identification, common account identification, resource to be transferred and target account identification according to the common account resource transfer request;

acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification and establishes a social relation chain;

and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

5. The method of claim 4, further comprising:

when the personal accumulated transferred resource determined according to the resource to be transferred carried by the shared account resource transfer request is less than or equal to the personal accumulated transferable resource, transferring the resource to be transferred between the shared account corresponding to the shared account identifier and the target account corresponding to the target account identifier;

and when the personal accumulated transferred resource determined according to the resource to be transferred carried by the shared account resource transfer request is less than or equal to the personal accumulated transferable resource, acquiring a second account owner identifier which has an account sharing relationship with the first account owner identifier relative to the shared account identifier.

6. The method of claim 1, further comprising:

when the set authentication credential corresponding to the common account identifier exists, determining an input authentication credential according to the common account operation request;

verifying according to the entered verification certificate and the set verification certificate, and if the verification is passed

Obtaining a second account owner identification having an account sharing relationship with the first account owner identification;

and when the set verification credential corresponding to the common account identifier does not exist, feeding back an entry for configuring the verification credential to the terminal corresponding to the first account owner identifier.

7. The method of claim 1, wherein the first account owner identification has a social relationship chain with each of the obtained second account owner identifications; the authorization notification is sent via an instant messaging channel.

8. The method of claim 1, wherein the authorization notification carries other ones of the obtained second account owner identifications that do not have a social relationship chain with the second account owner identification to which the corresponding authorization notification is directed; the method further comprises the following steps:

receiving a relationship chain establishment request sent by a terminal corresponding to the corresponding second account owner identifier;

and establishing a social relation chain between the second account owner identification sent by the corresponding authorization notice and the other second account owner identifications according to the relation chain establishment request.

9. A method of operating an account, comprising:

acquiring a trigger instruction, sending a shared account operation request to a server through an instant messaging client according to the trigger instruction, enabling the server to acquire a second account owner identifier which has an account shared relation with a first account owner identifier and establishes a social relation chain, sending an authorization notification to a terminal corresponding to the second account owner identifier establishing the social relation chain through an instant message channel, and receiving an authorization response sent in response to the authorization notification; the social relation chain is a friend relation based on a social network, and if the account sharing relation exists in the account owner identification but the user identification of the social relation chain is not established, a control and prompt information for adding friends are displayed on an authorization page of the instant messaging client; the common account operation request is a common account opening request or a common account resource transfer request; the authorization response is used for indicating that the authorization passes or the authorization fails;

10. The method of claim 9, wherein the common account operation request comprises a common account resource transfer request; the causing the server to obtain a second account owner identification having an account sharing relationship with the first account owner identification and establishing a social relationship chain comprises:

enabling the server to acquire a corresponding first account owner identifier, a common account identifier, a resource to be transferred and a target account identifier according to the common account resource transfer request; acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification and establishes a social relation chain;

the common account operation requested by the common account operation request comprises: and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

11. The method of claim 9, wherein the common account operation request comprises a common account opening request; after the trigger instruction is acquired, the method further comprises:

displaying a configuration page according to the trigger instruction;

the method comprises the steps of obtaining shared account configuration information recorded in a configuration page, wherein the account configuration information comprises more than one account owner identification with an account sharing relation, and the account owner identification comprises a first account owner identification which triggers a shared account operation request and a second account owner identification which has the account sharing relation with the first account owner identification and establishes a social relation chain.

12. An apparatus for operating an account, comprising:

the shared account operation request processing module is used for receiving a shared account operation request triggered by the instant messaging client; acquiring a first account owner identification triggering the shared account operation request, and acquiring a second account owner identification which has an account sharing relationship with the first account owner identification and establishes a social relationship chain; the common account operation request is a common account opening request or a common account resource transfer request; the social relationship chain is a friend relationship based on a social network, and if the account sharing relationship exists in the account owner identification but the user identification of the social relationship chain is not established, a control and prompt information for adding friends are displayed on an authorization page of the instant messaging client;

the authorization notification sending module is used for sending an authorization notification to a terminal corresponding to the second account owner identifier for establishing the social relation chain through an instant message channel;

an authorization response receiving module, configured to receive an authorization response sent by the terminal corresponding to the obtained second account owner identifier in response to the authorization notification; the authorization response is used for indicating that the authorization passes or the authorization fails;

13. The apparatus of claim 12, wherein the common account operation request comprises a common account opening request; the common account operation request processing module is further configured to extract common account configuration information from the common account opening request, where the account configuration information includes more than one account owner identifier having an account common relationship, and the account owner identifier includes a first account owner identifier that triggers the common account operation request and a second account owner identifier having an account common relationship with the first account owner identifier;

the common account operation execution module is also used for opening a common account according to the common account configuration information.

14. The apparatus of claim 12 or 13, wherein the common account operation request comprises a common account resource transfer request; the common account operation request processing module is further used for acquiring corresponding first account owner identification, common account identification, resource to be transferred and target account identification according to the common account resource transfer request; acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification and establishes a social relation chain;

the common account operation execution module is further configured to transfer the resource to be transferred between the common account corresponding to the common account identifier and the target account corresponding to the target account identifier.

15. An apparatus for operating an account, comprising:

the shared account operation request triggering module is used for acquiring a triggering instruction through an instant messaging client, sending a shared account operation request to a server according to the triggering instruction, enabling the server to acquire a second account owner identifier which has an account shared relation with a first account owner identifier and establishes a social relation chain, sending an authorization notification to a terminal corresponding to the second account owner identifier establishing the social relation chain through an instant message channel, and receiving an authorization response sent in response to the authorization notification; the social relation chain is a friend relation based on a social network, and if the account sharing relation exists in the account owner identification but the user identification of the social relation chain is not established, a control and prompt information for adding friends are displayed on an authorization page of the instant messaging client; the common account operation request is a common account opening request or a common account resource transfer request; the authorization response is used for indicating that the authorization passes or the authorization fails;

16. The apparatus of claim 15, wherein the common account operation request comprises a common account resource transfer request; the shared account operation request triggering module is further used for enabling the server to obtain corresponding first account owner identification, shared account identification, resource to be transferred and target account identification according to the shared account resource transfer request; acquiring a second account owner identification which has an account sharing relation with the first account owner identification relative to the sharing account identification and establishes a social relation chain; the common account operation requested by the common account operation request comprises: and transferring the resources to be transferred between the common account corresponding to the common account identification and the target account corresponding to the target account identification.

17. The apparatus of claim 15, wherein the common account operation request comprises a common account opening request; the common account operation request triggering module is further configured to:

displaying a configuration page according to the trigger instruction;

18. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to perform the steps of the method according to any one of claims 1 to 8, 9 to 11.

19. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method of any one of claims 1 to 8, 9 to 11.