CN111178866A - Account management method, device and equipment - Google Patents
Account management method, device and equipment Download PDFInfo
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- CN111178866A CN111178866A CN201911349136.2A CN201911349136A CN111178866A CN 111178866 A CN111178866 A CN 111178866A CN 201911349136 A CN201911349136 A CN 201911349136A CN 111178866 A CN111178866 A CN 111178866A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
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- General Business, Economics & Management (AREA)
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Abstract
The embodiment of the invention discloses a method, a device and equipment for account management, wherein the method comprises the following steps: providing an initial product service type association table; establishing an initial service type account for the target user according to the initial product service type association table; adding new service type information into the initial product service type association table to obtain an updated product service type association table, and establishing a new service type account for a target user according to the new service type information; when transaction information of a target user is received, extracting service type information and posting related information from the transaction information; matching in the service type account of the target user according to the service type information to obtain a matched service type account; and storing the posting relevant information in the account matched with the business type. When a new service is added to the user, the invention only needs to provide the account corresponding to the new service for the user without greatly changing a service system, and has great support for debit and credit services.
Description
Technical Field
The embodiment of the invention relates to the field of credit payment, in particular to a method, a device and equipment for account management.
Background
The credit payment is a payment mode that the payment of the goods is managed and supervised by a third party with good strength and high public reliability in the transaction process, and the credit payment guarantees the fairness and the safety of the buyer and the seller in the transaction process.
Currently, the management mode of credit payment at the credit end is that accounts are booked according to product differentiation, that is, the accounting of each product is managed in a unified account. The account management mode is solidified for the types of services supported by products, the support for debit and credit services is small, if a new service is added to an account, a relevant organization is required to greatly change a service system, the requirement on the professional level of technicians is high, and the workload is large.
Disclosure of Invention
The embodiment of the invention aims to provide a method, a device and equipment for account management, which are used for solving the problem that the existing credit payment account is inconvenient to manage.
In order to achieve the above object, the embodiments of the present invention mainly provide the following technical solutions:
in a first aspect, an embodiment of the present invention provides an account management method, including: providing an initial product service type association table, wherein the initial product service type association table stores service type information of each product; establishing an initial service type account for the target user according to the initial product service type association table; adding new service type information to the initial product service type association table to obtain an updated product service type association table, and establishing a new service type account for the target user according to the new service type information; when transaction information of the target user is received, extracting business type information and posting related information from the transaction information, wherein the transaction information comprises the business type information and the posting related information; matching in the service type account of the target user according to the service type information to obtain a matched service type account; and storing the posting relevant information in the account matched with the service type.
Further, the initial business type account includes at least one of a consumption account, a cash withdrawal account, an staging account, and a consumption account.
Further, still include: when credit transaction information of the target user is received, acquiring the balance of a debit account of the target user; decrementing the debit account balance based on the credit transaction information; if a spill is present in debiting the debit account balance, updating the amount of the spill to a credit account of the target user.
Further, still include: and if the client generates a debit transaction when the balance of the overflowed payment account of the target user is in the balance, the balance of the overflowed payment account is subtracted from the debit account of the target user.
In a second aspect, an embodiment of the present invention further provides an account management apparatus, including: the system comprises a providing module, a processing module and a processing module, wherein the providing module is used for providing an initial product service type association table, and the initial product service type association table stores service type information of each product; an account management module for establishing an initial service type account for the target user according to the initial product service type association table, the account management module is also used for adding new service type information in the initial product service type association table to obtain an updated product service type association table, the account management module is also used for establishing a new service type account for the target user through the account establishing module according to the new service type information, the account management module is also used for extracting the business type information and the posting relevant information from the transaction information when the transaction information of the target user is received, the account management module is also used for matching the business type accounts of the target users according to the business type information to obtain matched business type accounts, and storing the posting relevant information in the matched business type accounts; wherein the transaction information includes the transaction type information and the posting related information.
Further, the initial business type account includes at least one of a consumption account, a cash withdrawal account, an staging account, and a consumption account.
Further, the account management module is further configured to obtain a debit account balance of the target user when receiving the credit transaction information of the target user; decrementing the debit account balance based on the credit transaction information; if a spill is present in debiting the debit account balance, updating the amount of the spill to a credit account of the target user.
Further, the account management module is further configured to, if a debit transaction occurs to the customer while the premium account balance of the target user is in place, decrement the premium account balance by the debit account of the target user.
In a third aspect, an embodiment of the present invention provides an electronic device, including: at least one processor and at least one memory; the memory is to store one or more program instructions; the processor is configured to execute one or more program instructions to perform the method of account management according to the first aspect.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, which contains one or more program instructions for executing the method for account management according to the first aspect.
The technical scheme of the embodiment of the invention at least has the following advantages:
the account management method, the device and the equipment provided by the embodiment of the invention provide corresponding service type accounts according to different service types of users, when a new service needs to be added to the user, only the account corresponding to the new service needs to be provided for the user, and the service system does not need to be greatly changed, so that the requirement on the professional level of technicians is low, and the workload is small. The invention has great support for debit and credit services by classified billing according to service types.
Drawings
FIG. 1 is a flow diagram of a method of account management according to an embodiment of the present invention;
fig. 2 is a block diagram of an account management apparatus according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention is provided for illustrative purposes, and other advantages and effects of the present invention will become apparent to those skilled in the art from the present disclosure.
In the following description, for purposes of explanation and not limitation, specific details are set forth such as particular system structures, interfaces, techniques, etc. in order to provide a thorough understanding of the present invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
Fig. 1 is a flowchart of an account management method according to an embodiment of the present invention. As shown in fig. 1, the method for account management according to the embodiment of the present invention includes:
s1: an initial product service type association table is provided.
Specifically, the user sets a product parameter and a service type parameter at the operation server. When product parameters are set, the service range supported by the product, such as consumption, cash withdrawal, staging, loan removal and the like, is set, and finally, an initial product service type association table is obtained and stored in the operation server. The initial product business type association table stores business type information of each product, such as the business type range of product a is cash-out and consumption, the business type range of product B is credit-out and loan-elimination, and the like.
S2: and establishing an initial service type account for the target user according to the initial product service type association table.
Specifically, the operation server side determines which product is the target user transacted business information received, and then finds out corresponding business type information from the initial product business type association table according to the determined product, thereby establishing a corresponding business type account for the target user.
In an example of the present invention, the target user transacts the business of product a, and the operation server establishes a cash-out account and a consumption account for the target user.
S3: and adding new service type information in the initial product service type association table to obtain an updated product service type association table, and establishing a new service type account for the target user according to the new service type information.
In one example of the invention, if the issuer extends a business services line, such as car loans. At the moment, the operation service end configures the rule of the automobile loan into a new service type and adds the new service type into the initial product service type association table to obtain an updated product service type association table.
S4: and when receiving the transaction information of the target user, the operation server extracts the service type information and the posting related information from the transaction information. The transaction information comprises the business type information and the posting relevant information of the transaction. The posting related information includes information such as transaction amount and transaction time.
S5: and matching in the service type account of the target user according to the service type information to obtain a matched service type account.
In one example of the invention, if the business type information in the transaction information is consumption, the matched business type account is a consumption account of the target user.
In another example of the present invention, if the transaction information includes transaction type information for a credit debit, the matching transaction type account is a credit debit account of the target user.
S6: and storing the related information of the posting in the account matched with the service type to finish the posting.
In one embodiment of the present invention, the method of account management further comprises: when credit transaction information of a target user is received, acquiring the balance of a debit account of the target user; debiting the debit account balance based on the credit transaction information; if the overflowed payment exists in the balance of the deduction debit account, the amount of the overflowed payment is updated to a credit account (such as a deposit account) of the target user, and the operation service end checks the balance of the debit account in real time during the financial transaction processing, so that the balance cannot be negative.
In one embodiment of the present invention, the method of account management further comprises: and if the client generates debit transaction when the balance of the overflowed payment account of the target user is in balance, the balance of the overflowed payment account is reduced by the debit account of the target user.
The account management method provided by the embodiment of the invention provides corresponding service type accounts according to different service types of users, and when a new service needs to be added to the user, only the account corresponding to the new service needs to be provided for the user without greatly changing a service system, so that the requirement on the professional level of technicians is low, and the workload is small. The invention has great support for debit and credit services by classified billing according to service types.
Fig. 2 is a block diagram of an account management apparatus according to an embodiment of the present invention. As shown in fig. 2, the apparatus for account management according to the embodiment of the present invention includes: a provisioning module 100 and an account management module 200.
The providing module 100 is configured to provide an initial product service type association table, where the initial product service type association table stores service type information of each product. The account management module 200 is configured to establish an initial service type account for the target user according to the initial product service type association table. The account management module 200 is further configured to add new service type information to the initial product service type association table to obtain an updated product service type association table. The account management module 200 is further configured to establish a new service type account for the target user through the account establishment module according to the new service type information. The account management module 200 is further configured to extract the transaction type information and the posting related information from the transaction information when the transaction information of the target user is received. The account management module 200 is further configured to match the service type information in the service type account of the target user to obtain a matching service type account, and store the posting related information in the matching service type account. The transaction information comprises business type information and posting related information.
In one embodiment of the invention, the initial business type account includes at least one of a consumption account, a cash out account, an installment account, and a consumption account.
In one embodiment of the present invention, the account management module 200 is further configured to obtain a debit account balance of the target user when receiving the credit transaction information of the target user; debiting the debit account balance based on the credit transaction information; if a spill is present in the debiting account balance, the amount of the spill is updated to the credit account of the target user.
In one embodiment of the present invention, the account management module 200 is further configured to, if the customer has a debit transaction while the premium account balance of the target user is in progress, decrement the premium account balance with the debit account of the target user.
It should be noted that, a specific implementation manner of the apparatus for account management in the embodiment of the present invention is similar to a specific implementation manner of the method for account management in the embodiment of the present invention, and specific reference is specifically made to the description of the method for account management, and in order to reduce redundancy, no further description is given.
An embodiment of the present invention further provides an electronic device, including: at least one processor and at least one memory; the memory is to store one or more program instructions; the processor is configured to execute one or more program instructions to perform the method of account management according to the first aspect.
Embodiments of the present invention provide a computer-readable storage medium having stored therein computer program instructions which, when run on a computer, cause the computer to perform the above-described method of account management.
In an embodiment of the invention, the processor may be an integrated circuit chip having signal processing capability. The Processor may be a general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete Gate or transistor logic device, discrete hardware component.
The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The processor reads the information in the storage medium and completes the steps of the method in combination with the hardware.
The storage medium may be a memory, for example, which may be volatile memory or nonvolatile memory, or which may include both volatile and nonvolatile memory.
The non-volatile Memory may be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable PROM (EEPROM), or a flash Memory.
Volatile Memory can be Random Access Memory (RAM), which acts as external cache Memory. By way of example, and not limitation, many forms of RAM are available, such as Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Synchronous Dynamic Random Access Memory (SDRAM), Double Data Rate Synchronous DRAM (DDRSDRAM), Enhanced Synchronous SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), and Direct Rambus RAM (DRRAM).
The storage media described in connection with the embodiments of the invention are intended to comprise, without being limited to, these and any other suitable types of memory.
Those skilled in the art will appreciate that the functionality described in the present invention may be implemented in a combination of hardware and software in one or more of the examples described above. When software is applied, the corresponding functionality may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.
The above-mentioned embodiments, objects, technical solutions and advantages of the present invention are further described in detail, it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made on the basis of the technical solutions of the present invention should be included in the scope of the present invention.
Claims (10)
1. A method of account management, comprising:
providing an initial product service type association table, wherein the initial product service type association table stores service type information of each product;
establishing an initial service type account for the target user according to the initial product service type association table;
adding new service type information to the initial product service type association table to obtain an updated product service type association table, and establishing a new service type account for the target user according to the new service type information;
when transaction information of the target user is received, extracting business type information and posting related information from the transaction information, wherein the transaction information comprises the business type information and the posting related information;
matching the initial service type account and the new service type account according to the service type information to obtain a matched service type account;
and storing the posting relevant information in the account matched with the service type.
2. The method of account management of claim 1, wherein the initial transaction type account comprises at least one of a consumption account, a cash out account, an installment account, and a consumption account.
3. The method of account management of claim 1, further comprising:
when credit transaction information of the target user is received, acquiring the balance of a debit account of the target user;
decrementing the debit account balance based on the credit transaction information;
if a spill is present in debiting the debit account balance, updating the amount of the spill to a credit account of the target user.
4. The method of account management of claim 1, further comprising:
and if the client generates a debit transaction when the balance of the overflowed payment account of the target user is in the balance, the balance of the overflowed payment account is subtracted from the debit account of the target user.
5. An apparatus for account management, comprising:
the system comprises a providing module, a processing module and a processing module, wherein the providing module is used for providing an initial product service type association table, and the initial product service type association table stores service type information of each product;
an account management module for establishing an initial service type account for the target user according to the initial product service type association table, the account management module is also used for adding new service type information in the initial product service type association table to obtain an updated product service type association table, the account management module is also used for establishing a new service type account for the target user through the account establishing module according to the new service type information, the account management module is also used for extracting the business type information and the posting relevant information from the transaction information when the transaction information of the target user is received, the account management module is also used for matching the business type accounts of the target users according to the business type information to obtain matched business type accounts, and storing the posting relevant information in the matched business type accounts;
wherein the transaction information includes the transaction type information and the posting related information.
6. The apparatus for account management of claim 5, wherein the initial transaction type account comprises at least one of a consume account, a cash out account, an installment account, and a consume account.
7. The account management apparatus of claim 5, wherein the account management module is further configured to obtain a debit account balance of the target user upon receiving the credit transaction information of the target user; decrementing the debit account balance based on the credit transaction information; if a spill is present in debiting the debit account balance, updating the amount of the spill to a credit account of the target user.
8. The account management apparatus of claim 5, wherein the account management module is further configured to, if the customer has a debit transaction while the payoff account balance of the target customer, decrement the payoff account balance with the debit account of the target customer.
9. An electronic device, characterized in that the electronic device comprises: at least one processor and at least one memory;
the memory is to store one or more program instructions;
the processor, configured to execute one or more program instructions to perform the method of account management according to any of claims 1-4.
10. A computer-readable storage medium having one or more program instructions embodied therein for performing the method of account management of any of claims 1-4.
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