CN110009326A

CN110009326A - Accounting system, transaction and its processing method, terminal, system, device and medium

Info

Publication number: CN110009326A
Application number: CN201910268927.6A
Authority: CN
Inventors: 李晓林; 张崇江
Original assignee: Huizhi Lighting Technology (beijing) Co Ltd
Current assignee: Huizhi Lighting Technology (beijing) Co Ltd
Priority date: 2019-04-04
Filing date: 2019-04-04
Publication date: 2019-07-12
Also published as: WO2020199857A1

Abstract

This application involves Accounting system, transaction and its processing method, terminal, system, device and medium, Accounting system provides at least one group account；Wherein, each described group of account can be associated with one or more main body accounts；Each main body account is capable of calling one or more monetary accounts；Described group of account is as the main body account and the external interface traded.Accounting system of the building based on " group account " concept in technical scheme, for the relatively existing only network payment as unit of single main body, the consumer applications scene that family/group/community similar with support is unit can be effectively applicable in, to solve the collaboration consumption between multiple segregated accounts, collaboration payment, clearing/clearance, collaboration reconciliation being cooperateed with to bring huge convenience, also it is conducive to supervision.

Description

Accounting system, transaction and its processing method, terminal, system, device and medium

Technical field

This application involves e-payment technical field more particularly to Accounting system, transaction and its processing method, terminal, it is System, device and medium.

Background technique

Network payment, mobile payment have become the necessary public product of people's daily life.Whether on line or line Applicable payment scene down, each network virtual payment accounts require to complete ID card information by real name authentication and tie up After fixed, payment function could be started.For this purpose, current all network payment systems are all to realize virtual network account and one One-to-one binding of a real name identity account, such as Alipay account, wechat account etc.；Accordingly, the virtual network payment accounts The Bank Account Number (bank card) that can just bind and (pass through certification) real name account, complete network account and bank account it Between binding one by one.

That is, current payment administrative system, whether on line or under line, account main body is all based on list entirely One/unique real name identity.

But as payment depth is melted into daily life, the diversification and diversity of scene is paid, is completely independent Real name bill payment system can not better meet payment diversified demand.

By taking family as an example, the small amount payments such as dinner cost, extracurricular books expense that middle and primary schools, kindergarten are monthly paid, due to being related to To minority student, they cannot use the existing network payment system for needing real-name authentication, so can only be handed over by cash It pays.In the presence of leave behind, lose, the problems such as counterfeit money, all bring various troubles to parent, student, teacher.

Still further aspect, in view of the credit management of the socialization as unit of family, credit consumption, social security tax revenue, finance Growing, the entirety receipts also being had no idea at present to account main body (such as father, mother) each in family of the demand of supervision Branch situation is counted.

Summary of the invention

In view of the foregoing deficiencies of prior art, this application involves be designed to provide Accounting system, transaction and its place Reason method, terminal, system, device and medium, solving payment administrative system in the prior art is received using segregated account The problem of branch.

To realize above-mentioned target and other related objectives, in a first aspect, the application provides a kind of Accounting system, comprising: extremely A few group account；Wherein, each described group of account can be associated with one or more main body accounts；Each main body account can be adjusted With one or more monetary accounts；Described group of account is as the main body account and the external interface traded.

In an embodiment of first aspect, each main body account is associated with main body；It is associated with each master of same group of account Body belongs to same default group.

In an embodiment of first aspect, the default group include: family, community, garden, enterprise/public institution and One of its subunit, other social organizations and oneself group group are a variety of.

In an embodiment of first aspect, the main body account includes: network payment account.

In an embodiment of first aspect, the monetary accounts include: one in bank account and ideal money account Kind is a variety of.

In an embodiment of first aspect, described group of account passes through contract/terminate an agreement mode and main body account foundation/releasing Incidence relation.

In an embodiment of first aspect, described group of account be corresponding with group account trading detail for inquiry, described group Account trading detail include each main body account associated by it processing by transaction that this group of account is accessed the master generated The set of body account trading detail.

In an embodiment of first aspect, the corresponding main order decomposition of trading of the transaction is multiple associated to distribute to The transaction call off order of the main body account.

In an embodiment of first aspect, each transaction call off order be by preset strategy to the main order of the transaction into Row decomposition obtains.

In an embodiment of first aspect, establishing between the associated each main body account of described group of account has message channel.

In an embodiment of first aspect, at least one described main body account is associated with multiple groups of accounts.

To realize that above-mentioned target and other related objectives, second aspect, the application provide a kind of service terminal, comprising: such as Accounting system described in first aspect.

To realize that above-mentioned target and other related objectives, the third aspect, the application provide a kind of transaction processing method, apply In the Accounting system for including at least one group account；Each main body account is capable of calling one or more monetary accounts；The friendship Easy method includes: the main order of transaction for obtaining and being participated in business about one group of account；It searches and the associated each master of described group of account Body account；One or more of the main Order splitting of transaction into each main body account found are handled.

In an embodiment of the third aspect, one or more of the distribution into each main body account are handled, It include: that the main order of transaction is sent to a main body account to handle；Alternatively, being more by the main order decomposition of transaction A transaction call off order is respectively allocated to multiple main body accounts.

In an embodiment of the third aspect, the transaction processing method includes: to cooperate in multiple current topic accounts In the case where the one main order of transaction of processing, the main order of the transaction or its each transaction call off order decomposed preferentially are distributed into presence One or more current topic accounts of transaction advantage；And/or recall one or more the current main accounts for not having trading capacity currently The main order of the transaction at family or transaction call off order.

In the aforementioned any embodiment of the third aspect, the transaction processing method includes: to generate about the transaction The group account trading detail of main order is for inquiry；Wherein, described group of account trading detail includes: that each main body account participates in the friendship Change hands the transaction details of order processing.

To realize that above-mentioned target and other related objectives, fourth aspect, the application provide a kind of transaction processing system, apply In the Accounting system for including at least one group account；Each main body account is capable of calling one or more monetary accounts；The friendship Easy to handle system includes: a group account management module, for managing the group account in the Accounting system；Order management module is used It is searched and described group in the main order of transaction that acquisition is participated in business about one group of account, and by described group of account management module The associated each main body account of account, the main Order splitting of transaction is one or more into each main body account found It is a to be handled.

To realize above-mentioned target and other related objectives, the 5th aspect, the application provides a kind of method of commerce, comprising: with Trading activity is initiated or received to one group of account；Wherein, described group of account can be associated with one or more main body accounts；Each master Body account is capable of calling one or more monetary accounts；It obtains transaction blanket order relevant to the trading activity or the transaction is total The transaction call off order of order, and call the place that the transaction blanket order or call off order are carried out with the associated main body account of this group of account Reason.

To realize above-mentioned target and other related objectives, the 6th aspect, the application provides a kind of transaction system, comprising: hands over Easy interface module, for trading activity to be initiated or received with one group of account；Wherein, described group of account can be with one or more main body accounts Family association；Each main body account is capable of calling one or more monetary accounts；Transaction execution module, for obtaining and the transaction The transaction call off order of the relevant transaction blanket order of behavior or the transaction blanket order, and call and the associated main body of this group of account Account carries out the processing of the transaction blanket order or call off order.

To realize above-mentioned target and other related objectives, the 7th aspect, the application provides a kind of electronic device, comprising: one A or multiple communicators, one or more processors and one or more memories；One or more of communicators, for PERCOM peripheral communication；One or more of memories, for storing one or more computer programs；One or more of processing Device, for running one of computer program to execute the method as described in any one of third aspect；Alternatively, operation Wherein another computer program is to execute the method as described in any one of in terms of the 5th.

To realize that above-mentioned target and other related objectives, eighth aspect, the application provide a kind of computer-readable storage medium Matter is stored with one or more computer programs；Such as the is executed when one of computer program is run by one or more processors Method described in any one of three aspects；The such as the 5th is executed when wherein another computer program is run by one or more processors Method described in any one of aspect.

As described above, this application involves Accounting system, transaction and its processing method, terminal, system, device and medium, account Family system provides at least one group account；Each main body account is capable of calling one or more monetary accounts；Described group of account is made For the main body account and the external interface traded.Account of the building based on " group account " concept in technical scheme System for the relatively existing only network payment as unit of single main body, can effectively be applicable in family/group similar with support Group/community is the consumer applications scene of unit, to solve the collaboration consumption between multiple segregated accounts, collaboration payment, collaboration knot Calculation/clearance, collaboration reconciliation bring huge convenience, are also conducive to supervision.

Detailed description of the invention

Fig. 1 is shown as a kind of structural schematic diagram of Accounting system in the embodiment of the present application.

Fig. 2A is shown as a kind of schematic diagram of the trade order method of salary distribution in the embodiment of the present application.

Fig. 2 B is shown as the schematic diagram of another trade order method of salary distribution in the embodiment of the present application.

Fig. 3 is shown as communicating to connect structural schematic diagram in a kind of Accounting system application scenarios in the embodiment of the present application.

Fig. 4 is shown as a kind of flow diagram of transaction processing method in the embodiment of the present application.

Fig. 5 is shown as a kind of flow diagram of method of commerce in the embodiment of the present application.

Fig. 6 is shown as a kind of the functional block diagram of transaction processing system in the embodiment of the present application.

Fig. 7 is shown as a kind of the functional block diagram of method of commerce in the embodiment of the present application.

Fig. 8 is shown as a kind of electrical block diagram of electronic device in the embodiment of the present application.

Specific embodiment

Illustrate presently filed embodiment below by way of specific specific example, those skilled in the art can be by this specification Disclosed content understands other advantages and effect of the application easily.The application can also pass through in addition different specific realities The mode of applying is embodied or practiced, the various details in this specification can also based on different viewpoints and application, without departing from Various modifications or alterations are carried out under spirit herein.It should be noted that in the absence of conflict, the embodiment in the application And the feature in embodiment can be combined with each other.

Below with reference to the accompanying drawings, it is described in detail for embodiments herein, so as to the affiliated technology neck of the application The technical staff in domain can easily implement.The application can be embodied with a variety of different shapes, be not limited to illustrate herein Embodiment.

In order to clearly state the application, the component unrelated with explanation is omitted, for same or similar in specification in the whole text Constituent element imparts identical reference marks.

In specification in the whole text, when saying certain component with another component " connection " or " coupling ", this not only includes " directly connecting Connect " situation, be also included within and other elements be placed in therebetween and the situation of " being indirectly connected with " among it.In addition, when saying certain portion When certain constituent element of part " comprising ", as long as no especially opposite record, then not other constituent elements are foreclosed, and It is to mean can to further include other constituent elements.

When say certain component another component " on " when, this can be directly on another component, but can also be at it Between along with other components.When comparatively say certain component " direct " another component " on " when, between be not accompanied by it is other Component.

Although term first, second etc. are used to describe various elements herein in some instances, these elements It should not be limited by these terms.These terms are only used to distinguish an element with another element.For example, first connects The description such as mouth and second interface.Furthermore as used in herein, singular " one ", "one" and "the" are intended to Including plural form, unless there is opposite instruction in context.It will be further understood that term "comprising", " comprising " show to deposit In the feature, step, operation, element, component, project, type, and/or group, but it is not excluded for other one or more spies Sign, step, operation, presence, appearance or the addition of element, component, project, type, and/or group.Term "or" used herein With being interpreted as including property of "and/or", or mean any one or any combination.Therefore, " A, B or C " or " A, B and/or C " mean " it is following any one: A；B；C；A and B；A and C；B and C；A, B and C ".Only when element, function, step or the group of operation When closing inherently mutually exclusive under certain modes, it just will appear the exception of this definition.

Technical term used herein is served only for mentioning specific embodiment, is not intended to restriction the application.It is used herein Singular form, as long as the meaning represented in contrast is not known in sentence, then further including plural form.It uses in the description " comprising " meaning be specific feature, region, integer, step, operation, element and/or composition embody, and it is non-excluded its Its characteristic, region, integer, step, operation, the presence of element and/or composition or additional.

Indicate "lower", the term of the spaces such as "upper" can be in order to more easily illustrate the component illustrated in the accompanying drawings Relative to another component relationship and use.This term refers to, is not only meaning signified in the accompanying drawings, further includes in Device other meanings or operation.For example, once explanation is in certain portion of other component "lower" if overturning the device in attached drawing Part then illustrates in other component "upper".Therefore, the exemplary term of so-called "lower", all including upper and lower section.Device can be with It is rotated by 90 ° or other angles, represents the term of space and also explain accordingly.

Although not defining differently, including technical term used herein and scientific term, all terms all have with The identical meaning of meaning that the application person of ordinary skill in the field is commonly understood by.Art defined in commonly used dictionary Language is additional to be construed to have the meaning being consistent with the content of relevant technical literature and current prompt must not as long as not being defined Excessively it is construed to ideal or very formulaic meaning.

Between the main body account of each main body in the prior art when the trading activities such as example being paid, being taken in, all It operates independently of each other, to just cause various problems in the prior art.

Given this root cause problems, the application are intended to by adding the void that can be associated with the main body account of each relative subject Quasi- account, as the unified interface with external transaction, to solve problem of the prior art.

Below in an example, which is referred to as " group account ", as its name suggests, is associated with one group of main body One account of account.

As shown in Figure 1, showing the structural schematic diagram of Accounting system in the embodiment of the present application.

In Fig. 1, described group of account 101 is associated with one or more main body accounts 102, and each main body account 102 can be with It is associated with one or more monetary accounts 103.

In one or more embodiments, described group of account 101 can be what the service terminal in a network was pre-created Account, i.e. network account, it can be only related to the user information provided when creation, and can not need to provide the reality of user Identity information, such as identification card number, cell-phone number etc..

Wherein, the account name of described group of account 101 by user's self-defining or can automatically generate, for example, predetermined length or The number of unlimited length, any one or more alphabetical close, in symbol combination；Optionally, described group of account 101 is in creation It can be combined with key, whether it is legal by key authentication.

In one or more embodiments, the main body account 102 includes: network payment account；Wherein, the network payment One or more in account such as Internetbank account and third-party payment system account (such as Alipay, wechat, QQ).

Specifically, if described group of account 101 is created in a cloud system, if described cloud system itself It is exactly payment system, then the main body account 102 can also directly create and be passed through in the cloud system authorization signing or terminate an agreement Mode and monetary accounts 103 and described group of account 101 is established or disassociation relationship.

Certainly, the main body account 102 is also possible to other accounts of existing system, such as Alipay, wechat, QQ, then The main body account 102 can be docked by existing system with cloud system, in a manner of by authorization signing or terminating an agreement and beyond the clouds Foundation or disassociation relationship between the group account 101 of system creation.

Correspondingly, the monetary accounts 103 include: one of bank account and ideal money account 103 or a variety of；Institute Stating ideal money includes but is not limited to: with the token (remaining sum etc. for being also possible to above-mentioned third-party payment system) of currency peg, One of stored value card, rechargeable card, integral and block chain associated monetary (such as bit coin) are a variety of.

In some embodiments, the main body account and the identity of monetary accounts can be separated, such as Alipay account Family and bank account；And in some embodiments, the identity of the main body account and monetary accounts is not necessarily separated, such as is propped up Fu Bao, wechat and QQ account, remaining sum can directly carry out monetary settlement, therefore all while also have both the function of monetary accounts.

In one or more embodiments, the main body can be user, and each main body has the main body letter for describing its feature Breath, the main information may include: name, gender, work, address, the age, identification card number, social security account, driver license number, One or more in bank's card number, cell-phone number and other relevant informations.Main information is associated with main body account, so as to obtain Each main body is different from the main body account of other main bodys.

In one embodiment, a main body can correspond only to a main body account；In other embodiments, a main body It can correspond to multiple main body accounts.

Optionally, in one or more embodiments, described group of account can be the account for representing a default group, then its One or more associated main body accounts can be the account for belonging to each member's main body of the default group.

Specifically, the default group include: family, community, garden, enterprise/public institution and its subunit, it is other Social organization and certainly one of group group or a variety of.Certainly, in other embodiments, it is associated with the multiple of same group of account Can also there is no social relationships between different subjects corresponding to main body account, be not belonging to some default group and also may be used.

Wherein, the family includes: one of Liang Kou family, three mouthfuls of families and Three-eneration family etc. or a variety of；Society Area refers to that several social groups or social organization are gathered in some field and is formed by one and in life is mutually related Collectively owned business, such as common residence district etc.；Garden refers to that government is centralized and unified and plans specified region, certain is specially arranged in region Class industry, enterprise of form etc. are managed collectively；Enterprise/the public institution includes but is not limited to enterprise (such as private firm, state Seek enterprise etc.) and one of public institution (such as provided school, public hospital, government department) or a variety of, the default group Body can also be department, enterprise/public institution, including but not limited to Finance Department, administrative department, sales department and research and development department Deng one of or it is a variety of；Other social organizations include but is not limited to foundation, association, association, research association, the chamber of commerce, rush Into one of meeting and federation etc. or a variety of；The group that can be any self-organization from group group, including but it is unlimited In one of classmate group, Jia Changqun, Tong Shiqun, friend group, hobby group, Wang Youqun, project team and seminar etc. or more Kind.

By taking family as an example, under corresponding group of account 101 of family (can be described as " family account ") of a three-person household, Associated main body has father A, mother B, sub- C, it is assumed that son is young and does not have the main body account 102 that can be traded, then the family Account associated main body account 102 in front yard may include that for example the wechat account and Alipay account of A, the Alipay account etc. of B.

As described above, since each main body may belong to different default groups, if then corresponding multiple default groups In the case that creation has group account 101, then a main body account 102 of a main body is also possible to be associated with multiple groups of accounts 101。

It, can also be with for example, the main body account 102 of father had both been associated with family's group account 101 of this family in a family Family's group account 101 of family where being associated with its parent, enterprise's group account 101 of enterprise where father can also be associated with.

Described group of account 101 can be used as each main body account 102 and the external interface traded associated by it.

The transaction, refer to the receipts of currency/.For example, wage income, receives the income etc. that other people transfer accounts；In another example Expenditure in the shopping of electric business system, the expenditure etc. transferred accounts to other people；.

Described group of account 101 binds monetary accounts by main account by the incidence relation with each main body account 102 103 incidence relation, so that it may realize and external moneytary operations behavior.

The trading activity, which can be, actively to be initiated by described group of account 101 or is passively received.

The active is initiated, such as by group account 101 in the active behavior that electric business website is done shopping and is paid；It is described It is passive to receive, such as when needing to pay, user to businessman show the described group of associated identification information pattern of account 101 (such as Two dimensional code, bar code etc.), for the reading of businessman's barcode scanning.

Optionally, the information exchange during trading activity can be completed by way of order.

For example, generating the friendship of the purchase transaction when being paid when electric business website is done shopping by group account 101 Change hands order；In another example user shows the described group of associated identification information pattern of account 101 to businessman when place needs to pay (such as two dimensional code, bar code etc.), for the reading of businessman's barcode scanning, so that the payment request for generating the payment of request group account 101 (can System to be sent to management group account 101), and when receiving the payment request, generate the corresponding main order of transaction.

The transaction can be by independent or cooperate with completion with associated one or more the main body accounts 102 of group account 101.

As shown in Figure 2 A, in one or more embodiments, the main order 201 of the transaction can be delivered into one of main body account Family 102 is completed, such as the corresponding main order 201 of transaction that stands the expense is assigned to the payment of family account associated father Precious account is handled；Alternatively, as shown in Figure 2 B, the main order 201 of the transaction can consign to multiple main body accounts 102 and cooperate with At, such as the main order 201 of corresponding transaction that stands the expense is decomposed into two transaction call off order 202, it is respectively allocated to house The associated father of front yard account, mother Alipay account handle.

Later, one or more described main body accounts 102 can call their associated monetary accounts 103 (such as bank's account Family, ideal money account 103) complete distributed trade order；When detecting the main order 201 of transaction dispensed or institute There is transaction call off order 202 all to handle and complete (such as payment), then completes this group of account 101 and external transaction.

Optionally, in one or more embodiments, the main order 201 of transaction can be decomposed by preset strategy To obtain each transaction call off order 202.

Wherein, the preset strategy can be according to such as fixed/dynamic proportion execution.

For example with fixed proportion, the main body account 102 of the father in family account is responsible for 70% expenditure, mother's Main body account 102 is responsible for 30% expenditure；The main body account 102 of father in family account is responsible for 30% income, mother's Main body account 102 is responsible for 70% income etc.；

For example with dynamic proportion, organizing can be according to monetary accounts 103 between each main body account 102 under account 101 The different adjust automatically ratios of remaining sum；Wherein, 103 aggregate balance of monetary accounts is more, and Payment Proportion is higher and takes in ratio It can be lower；And 103 aggregate balance of monetary accounts is lower, Payment Proportion it is lower and take in ratio can be higher.

In addition, if each main body can possess multiple main body accounts 102, such as the father under family account possesses payment Precious and two main body accounts 102 of wechat can also set the priority of each reception of main body account 102 order with preset strategy.

In one or more embodiments, in the case where main order is traded in multiple current topic accounts collaboration processing one, institute State preset strategy may include: the main order of the transaction or its each transaction call off order decomposed preferentially are distributed to it is excellent in the presence of trading One or more current topic accounts of gesture；And/or recall the friendship for not having one or more current main accounts of trading capacity currently Change hands order or transaction call off order.

Wherein, the transaction advantage includes but is not limited to: some main body account or its monetary accounts exist transaction it is preferential, Discount reward etc., it is more etc. to be also possible to current account balance above-mentioned, then corresponds to this human subject account, can preferentially distribute institute State trade main order or its transaction call off order decomposed；On the contrary, if some main body account does not have trading capacity currently, such as There is no currency that can complete payment transaction etc., if then detect or be notified this information, can ignore such account without into The distribution of row trade order.

For example bright that transaction blanket order is decomposed into the advantages of multiple main body accounts 102 are paid:

Assuming that mother, which takes the kids with, sees a piano in solid shop/brick and mortar store, child enjoys a lot, and mother determines to buy to him, But the amount of money is bigger and the personal payment of mother some are painstaking, then pass through family account and place an order, and be provided with father and pay 60% and mother oneself payment 40%.Father has received relevant notification message in real time, is used by long-range non-at-scene mode Its main body account 102, which is paid, to be distributed to his transaction call off order 202 and also leads to after child mother obtains the payment message of father It crosses and shows the corresponding two dimensional code of family account, live barcode scanning pays remainder.

Certainly, in other embodiments, mother it is corresponding can also directly to show family account after setting up Payment Proportion Two dimensional code, the transaction blanket order that trade company generates after barcode scanning is divided into 60% and 40% two parts of call off order 202,40% order Mother is notified to pay, 60% order is issued father and paid.In some scenarios, there is spy to the decomposition of trade order Not big demand.It for example, is default group with parent group, form master's (or parent does) can have the corresponding parent The group account 101 of group, the payment accounts of oneself are tied to this group of account 101 by parents.By group account 101 in internet book store It places an order after buying book suitable for outside reading, each parent remotely can pay its child's (in order) purchase by group account 101 Book dues.

In contrast, existing to be achieved in that: some parent does inside group, is charged by group by the money of every parent The payment account of oneself is received, then by the purchase payment that oneself places an order.(the poly- of multiple main bodys is embodied since this implementation lacks Close capacity) account concept and its corresponding function are organized, naturally also lack connection businessman-group consumer-payment system tripartite The complete E-consumer process of mono- spelling pair-bill under the shopping-of link, the artificial trust between only parent/form master leaned on Relationship is done, very unreliable, and since every revenue and expenditure is required to responsible parent/form master's labor management, is easy to malfunction.

In one or more embodiments, described group of account 101 be corresponding with 101 transaction details of group account for inquiry, it is described Group 101 transaction details of account include the transaction that each main body account 102 associated by it is accessed in processing by this group of account 101 And the set of 102 transaction details of main body account generated.

For example, in the example of corresponding aforementioned purchase piano, corresponding group of 101 transaction details of account can be generated, i.e., Family's transaction bill.Wherein, the main body account 102 comprising father pays 60% expense and the main body account 102 of mother is paid The detail of 40% expense.

In some embodiments, it organizes in 101 transaction details of account, every transaction of corresponding record may include multiple words Section, such as: associated transaction blanket order ID (may also include transaction call off order 202ID), group account 101ID, main body account 102ID, the amount of money and exchange hour etc., then needed for transaction details inquiry can according to one or more in those fields come It executes.

Group 101 transaction details of account can be illustratively shown as shown in the following table 1:

Table 1

In the example of table 1, it is assumed that in one or three mouthfuls of families, only parent has main body account C1, C2, main body account C2 Both the payment of the call off order E2 of the order E of group account A had been taken part in, and has taken part in the account in full payment of the order F of group account B.

So, if the transaction details of inquiry main body account C2, can find two transaction；Similarly, if inquiry The transaction details of main body account C1, can inquire the processing of an E1；And if only inquiring each call off order in the transaction details Transaction details, then can inquire E1, E2 two；If inquiring the feelings of the blanket order independently paid there are single main body account Condition can then inquire the F of C2 processing；And so on, receipts, the branch of entire family or even each main body can also be inquired Situation.

By the example above it is found that the transaction details of every group account ID are recorded it using multiple critical fielies Afterwards, the extraction and inquiry of data required for being carried out by the combination of different critical fielies.

As it can be seen that the application carries out automatic dispensing transaction order by a group account 101 and to manage trade order complete after comparing At mode, well solve the problems, such as this.

As shown in figure 3, showing the schematic diagram of a scenario that Accounting system is realized in the embodiment of the present application.

The Accounting system may be implemented in network system 303, the network system 303 include: as local area network (such as Intranet), wide area network (such as internet), cellular network or its certain combination, and can include it is any number of wired or Wireless link.One or more networks can also include being directly connected between one or more components.In general, can be used Various communication protocols (such as TCP/IP, HTTP, SMTP, FTP), coding or format (such as HTML, XML) and/or guarantor Shield scheme (such as VPN, secure HTTP, SSL) can carry one or more via any kind of wiredly and/or wirelessly connection Communication on network.

The Accounting system may be implemented in a payment system, and be mounted in the service end for accessing the network system 303 On end 301, third-party payment system/financial institution's interface is may be implemented in the payment system, to dock Third-party payment system System network account and bank and other financial mechanism account and its payment function interface；Wherein, the service terminal 301 can be center The server/server group changed in network realizes that the multiple network equipments cooperation being also possible in distributed network is realized.

In one embodiment, the server group includes but is not limited to: application server, database server, encryption equipment, One or more in the communication server, management and monitoring server and security server.

In one embodiment, the service terminal 301 may include for a group group account management mould for account management maintenance Block 304；The life cycle management (such as group account creation, cancellation etc.) of the offer group account；Described group of account management module It can also be used to manage fund relevant to main body account, bill, credit, accounting, clearance and the air control etc. centered on group account In one or more functions.

User terminal 302 (such as desktop computer, laptop, tablet computer or smart phone) can pass through network System 303 accesses the service terminal 301, then initiation group account creation request inputs information to create a group account；Also, it uses Main body account (or main body account is unbinded by terminating an agreement) can be associated with described group of account by way of signing by family terminal 302 Family；The main body account can be existing payment account such as Alipay, wechat, QQ etc., be also possible in the payment system The payment account for being associated with monetary accounts of creation.

It avoids malfunctioning to reinforce bindings group account and incidence relation when main body account, in one embodiment, Ke Yitong It crosses and is supplied to the identifying code that user terminal 302 is relevant to the bindings in signing, and verified to complete association binding.

In some embodiments, the user terminal 302 can be for example, by browser (being based on B/S framework), client The modes such as APP (being based on C/S), public platform/service number small routine access service terminal 301, and can log in its main body account.

Preferably, the user of main body account can call directly group under group account and the associated situation of main body account Account carries out trading activity, without logging in main account in service terminal 301 again in the case where logging in main body account.

Certainly, this is only preferable examples, in practical situations, can also both require the authentication of main body account errorless, and also need It is errorless to organize the key authentication that account is established in creation, loses in main body account or is utilized by steal-number by other people to ensure In the case where, enable it that can not trade by a group account, and limit the associated other main body accounts of its deception group account and carry out Illegal transaction behavior.

The service terminal 301 can user terminal 302 identity and the avenues of communication that is associated by obtaining, from And respective communication relationship is established with it, to transmit/receive corresponding information.Wherein, the identity includes but is not limited to: identity card Number, one of cell-phone number, WeChat ID, QQ number and network address etc. or a variety of；The avenues of communication includes but is not limited to: base In one of cell-phone number, WeChat ID, QQ number and network address etc. or a variety of transmitting for carrying out information.

For example, father has registered a group account B in service terminal using user terminal A 1, and has registered pass in a family It is coupled to the main body account C1 (being also possible to existing main body account, such as wechat, Alipay account) of B, and C1 and bank account D1 Association；Mother has registered main body account C2 in service terminal using user terminal A 2, and C2 is associated with group account B, C2 and silver Row account D2 association.

If user terminal A 1 generates transaction request using B consumption, service terminal is sent to by network, produces one Trade blanket order E, and E is decomposed into transaction call off order E1 and E2 by service terminal, and according to the network of user terminal where C1, C2 E1 is issued the user terminal (such as A1) that C1 is logged in, is paid using D1 by location；E2 is given to the user terminal issuing C2 and being logged in (such as A2), is paid using D2.

Certainly, in other embodiments, E can also be only by mono- pair of C1, then E is passed through user where C1 by service terminal 301 The network address of terminal A1 is sent to A1, is used by it D1 payment.

In some embodiments, optionally, about the management of order transaction, the service terminal 301 may include order Management module 305, for realizing function include but is not limited to: signing between main body account and group account/terminate an agreement, identity is recognized Card, order (including main order and the transaction call off order of trading) generates and distribution, the reimbursement of single or multiple main body accounts, transaction are removed Pin, reconciliation and order docking etc. in one or more.

For example, in the case where main order is traded in multiple current topic accounts collaboration processing one, order management module 305 can preferentially distribute to the main order of the transaction or its each transaction call off order decomposed that there are one or more of transaction advantage to work as Front body account, for example, distributing to the VIP bank account of some main body account, 95 foldings, discount coupon or excess product are enjoyed in payment Divide the transaction advantage such as feedback；And/or distributed transaction call off order is paid about it receive that user terminal 302 sends In the case where the Shi Faxian information that Sorry, your ticket has not enough value, order management module 305 recalls one or more for not having trading capacity currently The main order of transaction or transaction call off order of current main account.

In some embodiments, message channel main body account communication exchanges also can establish between each main body account, The message channel transmission is electronic information, such as even if software message etc..For example, the service terminal is pre-registered The transmission channel of instant message is provided between main body account C1 and C2, C1 and C2 respectively where user terminal between can pass through Login service terminal carries out the transmission of instant software message；Certainly, if C1 and C2 are existing payment system accounts, for example, it is micro- Letter, Alipay, QQ account, the message channel interface provided by existing payment system, then the service terminal can also with it is micro- Letter, Alipay, QQ system interaction are established between main body account with these payment systems for being integrated with instant communication function in triggering Message channel, such as trigger two WeChat IDs, Alipay account or QQ number directly carry out mutual wechat interacting message, payment Precious interacting message or QQ interacting message.

In some embodiments, group account trading detail can store that local in the service terminal 301 or it can pass through net On other storage mediums of network access, such as in centralization or distributed memory system, and the service terminal 301 can be to The user terminal 302 that the authentication is passed provides the query service of its corresponding group of account trading detail or the data extracted accordingly.

As shown in figure 4, showing the flow diagram of the transaction processing method in the embodiment of the present application.Wherein, the present embodiment In method can be applied to the service terminal 301 in such as Fig. 3 embodiment.

The described method includes:

Step S401: the main order of transaction participated in business about one group of account is obtained；

Step S402: it searches and the associated each main body account of described group of account；

Step S403: by the main Order splitting of the transaction into each main body account found one or more into Row processing.

In the embodiment of the application, one or more of the distribution into each main body account are handled, and are wrapped It includes: the main order of transaction being sent to a main body account and is handled；Alternatively, being multiple by the main order decomposition of transaction Transaction call off order, is respectively allocated to multiple main body accounts.

In the embodiment of the application, in the case where main order is traded in multiple current topic accounts collaboration processing one, It is currently main that the main order of the transaction or its each transaction call off order decomposed preferentially are distributed to that there are one or more of transaction advantage Body account；And/or it recalls the main order of transaction for not having one or more current main accounts of trading capacity currently or trades to divide and order It is single.

In the embodiment of the application, the transaction processing method includes: to generate about the main order of transaction Group account trading detail is for inquiry；Wherein, described group of account trading detail includes: that each main body account participates in the main order of the transaction The transaction details of processing.

Specifically, the principle of the transaction processing method in the present embodiment is similar with previous embodiment, because before this Stating the technical characteristic in embodiment can apply in the present embodiment, therefore not repeat to those technical characteristics in the present embodiment It repeats.

As shown in figure 5, showing the flow diagram of method of commerce in the embodiment of the present application.Wherein, the side in the present embodiment Method can be applied to the user terminal 302 in such as Fig. 3 embodiment.

The described method includes:

Step S501: trading activity is initiated or received with one group of account；

Step S502: the transaction point of transaction blanket order relevant to the trading activity or the transaction blanket order is obtained Order, and handled.

Alternatively, in other embodiments, for example with Fig. 3 embodiment, if group account and main body account can separate It being logged in different user terminals, then the user terminal A 1 where organizing account, which only can be responsible for executing, initiates or receives trading activity, And generate transaction blanket order and inform service terminal B, service terminal B will trade blanket order or to be ordered according to the transaction of strategy generating point User terminal A 2 where single-shot gives main body account is handled.

Specifically, the principle of the method for commerce in the present embodiment is similar with previous embodiment, therefore aforementioned reality Applying the technical characteristic in example can apply in the present embodiment, therefore not carry out repeating to go to live in the household of one's in-laws on getting married to those technical characteristics in the present embodiment It states.

As shown in fig. 6, showing the functional block diagram of transaction processing system in the embodiment of the present application.The skill of the present embodiment Art principle is identical as Fig. 4 embodiment of the method, and therefore, the technical characteristic illustrated, which is not repeated, to be repeated.

The transaction processing system includes:

Group account management module 601, for managing the group account in the Accounting system.

Wherein, each described group of account can be associated with one or more main body accounts；Each main body account is capable of calling one Or multiple monetary accounts；Described group of account is as the main body account and the external interface traded.

Order management module 602, for obtaining the main order of transaction participated in business about one group of account, and by described Group account management module search with the associated each main body account of described group of account, by the main Order splitting of the transaction to being found Each main body account in one or more handled.

Wherein, group account management module 601 can be used for realizing the group account management module 304 in Fig. 3 embodiment；Order pipe Reason module 602 can be used for realizing the order management module 305. in Fig. 3 embodiment

As shown in fig. 7, showing the functional block diagram of transaction system in the embodiment of the present application.The technology of the present embodiment is former Reason is identical as Fig. 5 embodiment of the method, and therefore, the technical characteristic illustrated, which is not repeated, to be repeated.

The transaction system includes:

Transaction interface module 701, for trading activity to be initiated or received with one group of account；Wherein, described group of account can be with The association of one or more main body accounts；Each main body account is capable of calling one or more monetary accounts；

Transaction execution module 702 is always ordered for obtaining transaction blanket order relevant to the trading activity or the transaction Single transaction call off order, and call the place that the transaction blanket order or call off order are carried out with the associated main body account of this group of account Reason.

It should be noted that module provided in this embodiment and the method being provided above, embodiment is similar, therefore no longer It repeats.

In addition, it is necessary to which explanation is, it should be understood that the division of figure 6 above and the modules in Fig. 7 system embodiment is only It is a kind of division of logic function, can be completely or partially integrated on a physical entity in actual implementation, it can also be with physics It is upper to separate.And these modules can be realized all by way of processing element calls with software；It can also be all with hardware Form is realized；It can be realized in the form of part of module calls software by processing element, part of module is by way of hardware It realizes.For example, group account management module can be the processing element individually set up, also can integrate above-mentioned apparatus some It is realized in chip, in addition it is also possible to be stored in the form of program code in the memory of above-mentioned apparatus, by certain of above-mentioned apparatus One processing element calls and executes the function of above group of account management module.The realization of other modules is similar therewith.Furthermore this A little modules completely or partially can integrate together, can also independently realize.Processing element described here can be a kind of collection At circuit, the processing capacity with signal.During realization, each step of the above method or the above modules can pass through The integrated logic circuit of hardware in processor elements or the instruction of software form are completed.

For example, the above module can be arranged to implement one or more integrated circuits of above method, such as: One or more specific integrated circuits (Application Specific Integrated Circuit, abbreviation ASIC), or, One or more microprocessors (digital signal processor, abbreviation DSP), or, one or more scene can compile Journey gate array (Field Prog rammable Gate Array, abbreviation FPGA) etc..For another example, when some above module passes through place When managing the form realization of element scheduler program code, which can be general processor, such as central processing unit (Central Processing Unit, abbreviation CPU) or it is other can be with the processor of caller code.For another example, these modules It can integrate together, realized in the form of system on chip (syst em-on-a-chip, abbreviation SOC).

As shown in figure 8, showing the electrical block diagram of the electronic device 600 in the embodiment of the present application.The electronics dress Setting 600 can be used to implement the function of service terminal 301 or user terminal 302 in such as Fig. 3 embodiment, i.e., such as Fig. 4 and Method in Fig. 5 embodiment can be used for realizing each functional module in above-mentioned Fig. 6, Fig. 7 embodiment.

The electronic device 800 includes: one or more communicators 801, one or more processors 802 and one or more A memory 803.

One or more of communicators 801, are used for and PERCOM peripheral communication；

One or more of memories 802, for storing one or more computer programs；

One or more of processors 803 are coupled in the communicator 801 and memory 802 (such as by bus coupling Connect), for running one of computer program to execute such as Fig. 4 transaction processing method as described in the examples；Or Person, operation wherein another computer program to execute such as Fig. 5 method of commerce as described in the examples.

In some embodiments, one or more of communicators 801 include: wired network communication module (it is such as wired with Too network interface card etc.), (such as WiFi, 2G/3G/4G/5G mobile network communication module and Internet of Things network are logical for wireless network communication module One or more of believe module (such as NB-IOT, Zigbee, Lora module)).

The memory 802 is possibly including, but not limited to high-speed random access memory, nonvolatile memory.Such as one A or multiple disk storage equipments, flash memory device or other non-volatile solid-state memory devices.

The processor 803 can be general processor, including central processing unit (Central Processing Unit, Abbreviation CPU), network processing unit (Network Processor, abbreviation NP) etc.；It can also be digital signal processor (Digital Signal Processing, abbreviation DSP), specific integrated circuit (Application Specific Integrated Circuit, abbreviation ASIC), field programmable gate array (Field-Programmable GateArray, Abbreviation FPGA) either other programmable logic device, discrete gate or transistor logic, discrete hardware components

In addition, preceding method embodiment (such as Fig. 4,5 embodiment of the method) involved in various computer programs can With load in a computer-readable storage medium, the computer readable storage medium may include, but be not limited to, floppy disk, CD, CD-ROM (compact-disc-read-only memory), magneto-optic disk, ROM (read-only memory), RAM (random access memory), EPROM (can Erasable programmable read-only memory (EPROM)), EEPROM (electrically erasable programmable read-only memory), magnetic or optical card, flash memory or be suitable for Store medium/machine readable media of other goods attributes of machine-executable instruction.The computer readable storage medium can To be the product for not accessing computer equipment, it is also possible to access the component that computer equipment uses.

In specific implementation, the computer program is to execute specific indent or realization specific abstract data item attribute Routine, programs, objects, component, data structure etc..

In conclusion this application involves Accounting system, transaction and its processing method, terminal, system, device and medium, account Family system provides at least one group account；Each main body account is capable of calling one or more monetary accounts；Described group of account is made For the main body account and the external interface traded.Account of the building based on " group account " concept in technical scheme System for the relatively existing only network payment as unit of single main body, can effectively be applicable in family/group similar with support Group/community is the consumer applications scene of unit, to solve the collaboration consumption between multiple segregated accounts, collaboration payment, collaboration knot Calculation/clearance, collaboration reconciliation bring huge convenience, are also conducive to supervision.

The technical solution of the application can be docked preferably with existing network payment system, so that user experience is able to achieve smoothly Transfer, therefore, while bringing new technique and applicable function, construction, operation, cost is relatively low for popularization

The principles and effects of the application are only illustrated in above-described embodiment, not for limitation the application.It is any ripe Know the personage of this technology all can without prejudice to spirit herein and under the scope of, carry out modifications and changes to above-described embodiment.Cause This, those of ordinary skill in the art is complete without departing from spirit disclosed herein and institute under technical idea such as At all equivalent modifications or change, should be covered by claims hereof.

Claims

1. a kind of Accounting system characterized by comprising

At least one group account；

Wherein, each described group of account can be associated with one or more main body accounts；Each main body account is capable of calling one or more A monetary accounts；Described group of account is as the main body account and the external interface traded.

2. Accounting system according to claim 1, which is characterized in that each main body account is associated with main body；It is associated with same Each main body of one group of account belongs to same default group.

3. Accounting system according to claim 2, which is characterized in that the default group include: family, community, garden, One of enterprise/public institution and its subunit, other social organizations and oneself group group are a variety of.

4. Accounting system according to claim 1, which is characterized in that the main body account includes: network payment account.

5. Accounting system according to claim 1, which is characterized in that the monetary accounts include: bank account and virtual One of monetary accounts are a variety of.

6. Accounting system according to claim 1, which is characterized in that described group of account passes through contract/terminate an agreement mode and master Body account foundation/disassociation relationship.

7. Accounting system according to claim 1, which is characterized in that described group of account be corresponding with group account trading detail with For inquiry, described group of account trading detail includes the friendship that each main body account associated by it is accessed in processing by this group of account The set of the main body account trading detail easily generated.

8. Accounting system according to claim 1, which is characterized in that the corresponding main order decomposition of trading of the transaction is point The transaction call off order of the multiple associated main body accounts of dispensing.

9. Accounting system according to claim 8, which is characterized in that each transaction call off order is by preset strategy to institute State what the main order of transaction was decomposed.

10. Accounting system according to claim 1, which is characterized in that between the associated each main body account of described group of account Foundation has message channel.

11. Accounting system according to claim 1, which is characterized in that at least one described main body account is associated with multiple Group account.

12. a kind of service terminal characterized by comprising the Accounting system as described in any one of claims 1 to 11.

13. a kind of transaction processing method, which is characterized in that applied to the Accounting system for including at least one group account；Wherein, often A described group of account can be associated with one or more main body accounts；Each main body account is capable of calling one or more monetary accounts； The method of commerce includes:

Obtain the main order of transaction participated in business about one group of account；

It searches and the associated each main body account of described group of account；

One or more of the main Order splitting of transaction into each main body account found are handled.

14. transaction processing method according to claim 13, which is characterized in that the distribution is into each main body account One or more handled, comprising:

The main order of transaction is sent to a main body account to handle；Alternatively,

It is multiple transaction call off order by the main order decomposition of transaction, is respectively allocated to multiple main body accounts.

15. transaction processing method according to claim 14 characterized by comprising

In the case where main order is traded in multiple current topic accounts collaboration processing one, by the main order of the transaction or its decompose Each transaction call off order preferentially distributes to one or more current topic accounts there are transaction advantage；And/or it recalls and does not have currently The main order of transaction or transaction call off order of the current main account of one or more of trading capacity.

16. transaction processing method described in any one of 3 to 15 according to claim 1 characterized by comprising generate about The group account trading detail of the main order of transaction is for inquiry；Wherein, described group of account trading detail includes: each main body account Participate in the transaction details of the main order processing of the transaction.

17. a kind of transaction processing system, which is characterized in that applied to the Accounting system for including at least one group account；Wherein, often A described group of account can be associated with one or more main body accounts；Each main body account is capable of calling one or more monetary accounts； The transaction processing system includes:

Group account management module, for managing the group account in the Accounting system；

Order management module for obtaining the main order of transaction participated in business about one group of account, and passes through described group of account Management module is searched with the associated each main body account of described group of account, each institute that the main Order splitting of transaction is extremely found One or more stated in main body account are handled.

18. a kind of method of commerce characterized by comprising

Trading activity is initiated or received with one group of account；Wherein, described group of account can be associated with one or more main body accounts；Each The main body account is capable of calling one or more monetary accounts；

Obtain it is relevant to the trading activity transaction blanket order or it is described transaction blanket order transaction call off order, and call and The associated main body account of this group of account carries out the processing of the transaction blanket order or call off order.

19. a kind of transaction system characterized by comprising

Transaction interface module, for trading activity to be initiated or received with one group of account；Wherein, described group of account energy and one or more The association of main body account；Each main body account is capable of calling one or more monetary accounts；

Transaction execution module, for obtaining the friendship of transaction blanket order relevant to the trading activity or the transaction blanket order Easy call off order, and call the processing that the transaction blanket order or call off order are carried out with the associated main body account of this group of account.

20. a kind of electronic device characterized by comprising one or more communicators, one or more processors and one or Multiple memories；

One or more of communicators, are used for and PERCOM peripheral communication；

One or more of memories, for storing one or more computer programs；

One or more of processors, for running one of computer program to execute such as claim 13 to 16 Any one of described in method；Alternatively, wherein another computer program is as claimed in claim 18 to execute for operation Method.

21. a kind of computer readable storage medium, which is characterized in that be stored with one or more computer programs；One of which meter The method as described in any one of claim 13 to 16 is executed when calculation machine program is run by one or more processors；It is wherein another Kind computer program executes method as claimed in claim 18 when being run by one or more processors.