CN111681105B - Account management method and device - Google Patents
Account management method and device Download PDFInfo
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- CN111681105B CN111681105B CN202010511655.0A CN202010511655A CN111681105B CN 111681105 B CN111681105 B CN 111681105B CN 202010511655 A CN202010511655 A CN 202010511655A CN 111681105 B CN111681105 B CN 111681105B
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- 238000007726 management method Methods 0.000 title claims abstract description 29
- 238000000034 method Methods 0.000 claims abstract description 21
- 238000013475 authorization Methods 0.000 claims description 19
- 238000004590 computer program Methods 0.000 claims description 16
- 238000012795 verification Methods 0.000 claims description 14
- 238000012545 processing Methods 0.000 claims description 11
- 238000010586 diagram Methods 0.000 description 14
- 230000006870 function Effects 0.000 description 6
- 230000008569 process Effects 0.000 description 3
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012217 deletion Methods 0.000 description 1
- 230000037430 deletion Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
Classifications
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6227—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database where protection concerns the structure of data, e.g. records, types, queries
Abstract
The invention discloses an account management method and device, wherein the method comprises the following steps: receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank; according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: a co-person relationship or a non-co-person relationship; determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried; and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request. The invention can realize that the customer manages the accounts of a plurality of electronic banking systems in one account, thereby improving the efficiency of account management.
Description
Technical Field
The invention relates to the technical field of financial information management, in particular to an account query method and an account query device.
Background
As the number of customers of financial institutions worldwide increases, so does the viscosity of customers' use of electronic banking systems. The existing account management system cannot support the use of the electronic banking system in a part of areas, and on the other hand, when the same customer inquires accounts in different electronic banking systems, the electronic banking systems in different areas need to be frequently switched to log in to add accounts, so that the account adding and inquiring processes are complicated for the customer, the efficiency is low, and the customer experience is poor.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The embodiment of the invention provides an account management method, which is used for improving the efficiency of account management and comprises the following steps:
receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank;
according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the different person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried;
and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request.
An embodiment of the present invention provides an account management apparatus for improving efficiency of account management, the apparatus including:
the identification information determining module is used for receiving a query request of a client on one account to the other account and determining identification information of the account to be queried, wherein the account where the client is located and the account to be queried belong to different electronic banking systems of the same bank;
the association relation determining module is used for determining the association relation between the account where the client is and the account to be queried according to the identification information of the account to be queried; wherein, the association relation includes: the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the different person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
the inquiry authority determining module is used for determining the inquiry authority of the account to be inquired of the account where the client is according to the association relation between the account where the client is and the account to be inquired;
and the account query module is used for processing or rejecting the query request according to the query authority of the account to be queried of the account where the client is located.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the account management method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the account management method.
The embodiment of the invention is as follows: receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank; according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: a co-person relationship or a non-co-person relationship; determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried; and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request. Compared with the prior art that the clients are required to frequently switch the identity to log in the online banking addition and account inquiry of different areas, the method and the system can realize that the clients manage the accounts of a plurality of electronic banking systems in one account based on the same person relationship or different person relationship among the accounts, are applicable to all areas, simplify the operation flow, improve the account management efficiency and improve the client experience.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of an account management method according to an embodiment of the invention;
FIG. 2 is a schematic diagram of association and query rights in an embodiment of the present invention;
FIG. 3 is a schematic diagram of an embodiment of the present invention;
FIG. 4 is a schematic diagram of another embodiment of the present invention;
fig. 5 is a schematic diagram of an account management apparatus according to an embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
In order to solve the technical problems that when a customer queries or adds accounts in different areas, the customer needs to frequently switch identities to log in electronic banking systems in different areas, so that the processes of adding and querying the accounts are complicated and the efficiency is low, an embodiment of the invention provides an account management method, which is used for improving the efficiency of account management, and fig. 1 is a flowchart of the account management method in the embodiment of the invention, as shown in fig. 1, the method comprises:
step 101: receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank;
step 102: according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the different person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
step 103: determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried;
step 104, according to the query authority of the account to be queried of the account where the client is located, the query request is accepted or rejected.
As shown in fig. 1, the embodiment of the invention is implemented by: receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank; according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: a co-person relationship or a non-co-person relationship; determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried; and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request. Compared with the prior art that the customers need to frequently switch identities to log in the electronic banking systems in different areas to add and query accounts, the method and the system can realize that the customers manage the accounts of a plurality of electronic banking systems in one account based on the same person relationship or different person relationship among the accounts, are applicable to all areas, simplify the operation flow, improve the efficiency of account management and improve the customer experience.
In the implementation, in step 101, when receiving a query request to another account initiated by a client in one account, identification information of the account to be queried may be determined, where the identification information may be an account ID or other identification information, an electronic banking system may include an online banking system, a mobile phone banking system, etc., and different electronic banking systems of the same bank may be, for example, the same bank set up a plurality of online banking systems around the world, and may include: the method and the system have the advantages that when the account where the customer is located and the account to be queried belong to different electronic bank systems of the same bank, data among different electronic bank systems cannot be shared, in the prior art, the customer frequently switches identities to log in different electronic bank systems to carry out account addition, deletion or query, the operation is complex, the efficiency is low, and the association relationship between the account where the customer is located and the account to be queried is determined through the identification information of the account to be queried, so that account management is realized, the operation is simple, and the efficiency is high.
In one embodiment, in step 102, determining, according to the identification information of the account to be queried, an association relationship between the account where the client is located and the account to be queried may include:
step 201: judging whether the account where the customer is located is combined with the account to be queried according to the identification information of the account to be queried;
step 202: when the account of the customer and the account to be queried are combined, determining that the association relationship between the account of the customer and the account to be queried is a first concurrent relationship.
When the method is implemented, when the customer establishes accounts on the electronic banking systems in different areas, a plurality of accounts of different electronic banking systems under the customer name can be combined according to the account combination system of the banks, and in step 102, if the account combination system inquires that the account where the customer is located is combined with the account to be inquired according to the identification information of the account to be inquired, the association relationship between the account where the customer is located and the account to be inquired can be determined to be a first co-occurrence relationship, wherein the first co-occurrence relationship can be a strong co-occurrence relationship, and the strong co-occurrence relationship indicates that the account where the customer is located and the account to be inquired can be completely determined to belong to the same customer.
In one embodiment, in step 103, determining the query authority of the account of the client to be queried according to the association relationship between the account of the client and the account to be queried may include:
when the association relationship between the account of the customer and the account to be queried is a first co-person relationship, the query authority of the account of the customer to be queried is as follows: the two accounts with the determined first co-relationship allow to query the account information mutually, and the multiple accounts with the same account with the determined first co-relationship allow to query the account information mutually.
In specific implementation, fig. 2 is a schematic diagram of association relationships and query permissions in the embodiment of the present invention, as shown in fig. 2, in step 103, account information is allowed to be queried between two accounts with strong co-people relationships, and account information is allowed to be queried between multiple accounts with strong co-people relationships determined with the same account, for example: the national account A and the hong Kong account B and the Sydney account E respectively determine strong co-relationship, and then the accounts A, B and E allow mutual inquiry of account information.
In one embodiment, step 102 determines, according to the identification information of the account to be queried, an association relationship between the account where the client is located and the account to be queried, and may further include:
step 301: when the account of the customer is not combined with the account to be queried, verifying the account of the customer and the account to be queried comprises the following steps: verifying whether the certificate type, the certificate number and the birth date of the customer are consistent with those of the customer to which the account to be queried belongs;
step 302: after passing the verification, determining the association relationship between the account where the customer is and the account to be queried as a second identical person relationship.
In the specific implementation, in step 102, if the account merging system inquires that the account where the client is located and the account to be inquired are not merged according to the identification information of the account to be inquired, it cannot be completely determined that the account where the client is located and the account to be inquired belong to the same client, and verification needs to be performed on the account where the client is located and the account to be inquired, where the verification may include: after verification, the association relationship between the account where the customer is located and the account to be queried can be determined to be a second identical person relationship, the second identical person relationship can be a weak identical person relationship, the weak identical person relationship indicates that the account where the customer is located and the account to be queried can be determined to belong to the same customer, but the strong identical person relationship and the query authority corresponding to the weak identical person relationship are different.
In one embodiment, step 103 determines the query authority of the account of the client to the account to be queried according to the association relationship between the account of the client and the account to be queried, and may further include:
when the association relationship between the account of the customer and the account to be queried is a second same-person relationship, the query authority of the account of the customer to be queried is as follows: the two accounts of the second co-relationship are determined to allow mutual inquiry of account information, and the plurality of accounts of the second co-relationship are determined to have the same account and are not allowed to allow mutual inquiry of account information.
In particular, as shown in fig. 2, in step 103, it is determined that the two accounts with weak co-ordinates are allowed to query account information mutually, and the plurality of accounts with the same account and determined with weak co-ordinates are not allowed to query account information mutually, for example: if the national account a determines weak co-persons with the hong Kong account B and the Sydney account E, the accounts A, B and A, E are allowed to query the account information, but the accounts B, E are not allowed to query the account information.
In one embodiment, in step 104, accepting or rejecting the query request according to the query authority of the account to be queried by the account where the client is located may include:
step 401: when the inquiring authority of the account to be inquired of the account where the client is located is permission for inquiring, the inquiring request is accepted, and the account to be inquired is added to an account list of the client;
step 402: and when the client initiates a query request for the account to be queried next time, receiving the query request according to the account list of the client.
In the specific implementation, in step 104, when it is determined that the query permission of the account where the client is located to the account to be queried is permission for query according to the strong co-person relationship or the weak co-person relationship, the query request may be accepted, and the query of the account information of the account to be queried may include: account balance, transaction detail, account opening date, account type, subscription service and other account information can be added into an account list of a client, the same person relationship between the account of the client and the account to be queried is stored, the added account list can be displayed according to different countries or regions, when the client initiates a query request for the account to be queried next time, the query authority can be determined according to the account list of the client and the stored same person relationship, and the query request is accepted without determining the same person relationship again.
In one embodiment, step 103 determines the query authority of the account of the client to the account to be queried according to the association relationship between the account of the client and the account to be queried, and may further include:
when the association relationship between the account of the customer and the account to be queried is a non-same person relationship, determining that the query authority of the account of the customer to be queried is to be confirmed.
In the implementation, as shown in fig. 2, in step 103, if the account merging system queries that the account where the client is located is not merged with the account to be queried according to the identification information of the account to be queried, and if the account merging system fails to pass the verification, it is determined that the association relationship between the account where the client is located and the account to be queried is a non-same person relationship, and if the association relationship is a non-same person relationship, the query authority of the account where the client is located to be queried cannot be directly determined, and whether an authorization relationship exists between the account where the client is located and the account to be queried needs to be further determined.
In one embodiment, in step 104, according to the query authority of the account to be queried, accepting or rejecting the query request may further include:
step 501: when the inquiring authority of the account to be inquired is to be confirmed, the account where the customer is located sends an inquiring authorization request to the account to be inquired;
step 502: when the account to be queried passes the query authorization request, the query request is accepted, and the account to be queried is added to an account list of a client;
step 503: and processing the query request according to the account list of the client when the client initiates the query request to the account to be queried next time.
In the specific implementation, in step 104, when the query authority of the account where the client is located to the account to be queried is to be confirmed, a query authorization request can be sent to the account to be queried, after the account to be queried passes through the query authorization request, the query request can be accepted, the account information of the account to be queried can be queried, the account to be queried can be added into an account list of the client, and an authorization relationship between the account where the client is located and the account to be queried is stored, when the client initiates the query request to the account to be queried next time, the query authority can be determined according to the account list of the client and the stored authorization relationship, and the query request is accepted without determining the authorization relationship again.
In one embodiment, step 104 may further comprise:
when the account to be queried does not pass the query authorization request, the query request is refused.
The following presents a specific example to facilitate understanding of how the present invention may be practiced.
Fig. 3 is a schematic diagram of an embodiment of the present invention, as shown in fig. 3, including the following steps:
the first step: a customer logs in a China internal network banking system or a mobile banking system, initiates a query request for another account belonging to an offshore network banking system or a mobile banking system, and determines an account ID of the account to be queried;
and a second step of: after the identity verification is carried out on the account where the customer is located and the account to be queried, inquiring whether the account where the customer is located and the account to be queried are combined or not according to the account ID of the account to be queried, if so, executing the third step, otherwise, executing the fourth step;
and a third step of: when the account merging system inquires that the account where the client is and the account to be inquired are merged, determining that the association relationship between the account where the client is and the account to be inquired is a strong co-person relationship;
fourth step: when the account merging system inquires that the account of the client is not merged with the account to be inquired, verifying the certificate type, the certificate number and the birth date of the account of the client and the account to be inquired, if the certificate type, the certificate number and the birth date pass the verification, executing the fifth step, otherwise, executing the sixth step;
fifth step: after passing the verification, determining that the association relationship between the account where the client is and the account to be queried is a weak co-person relationship;
sixth step: after the verification is not passed, determining that the association relationship between the account where the client is and the account to be queried is a non-identical relationship, sending a query authorization request to the account to be queried, determining that the association relationship between the account where the client is and the account to be queried is an authorization relationship when the account to be queried passes the query authorization request, and rejecting the query request when the account to be queried does not pass the query authorization request;
seventh step: according to the association relation determined in the third step, the fourth step and the sixth step, determining that the query permission of the account where the client is located for the account to be queried is permission, receiving a query request, querying account information of the account to be queried, adding the account to be queried to an account list of the client, storing the association relation between the account where the client is located and the account to be queried, determining the query permission according to the account list of the client and the stored association relation when the client initiates the query request for the account to be queried next time, and receiving the query request.
Fig. 4 is a schematic diagram of another embodiment of the present invention, where the client in fig. 4 logs in to the off-shore banking system or the mobile banking system to initiate a query request for another account belonging to the home banking system or the mobile banking system in china, and the detailed description is similar to the second to seventh steps, and will not be repeated here.
Based on the same inventive concept, the embodiment of the invention also provides an account management device, such as the following embodiment. Because the principle of the account management device for solving the problem is similar to that of the account management method, the implementation of the device can be referred to the implementation of the method, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
Fig. 5 is a schematic diagram of an account management apparatus according to an embodiment of the present invention, as shown in fig. 5, the apparatus includes:
the identification information determining module 01 is used for receiving a query request of a client on one account to the other account and determining identification information of the account to be queried, wherein the account where the client is located and the account to be queried belong to different systems of the same bank;
the association relation determining module 02 is used for determining the association relation between the account where the customer is and the account to be queried according to the identification information of the account to be queried; wherein, the association relation includes: the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the different person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
the query permission determining module 03 is configured to determine a query permission of an account where a client is located for the account to be queried according to an association relationship between the account where the client is located and the account to be queried;
and the account query module 04 is used for processing or rejecting the query request according to the query authority of the account to be queried of the account where the client is located.
In one embodiment, the association determining module 02 is specifically configured to:
judging whether the account where the customer is located is combined with the account to be queried according to the identification information of the account to be queried;
when the account where the customer is and the account to be queried are combined, determining that the association relationship between the account where the customer is and the account to be queried is a first co-person relationship;
the query authority determination module 03 is specifically configured to:
when the association relationship between the account of the customer and the account to be queried is a first co-person relationship, the query authority of the account of the customer to be queried is as follows: the two accounts with the determined first co-relationship allow to query the account information mutually, and the multiple accounts with the same account with the determined first co-relationship allow to query the account information mutually.
In one embodiment, the association determining module 02 is specifically configured to:
when the account of the customer is not combined with the account to be queried, verifying the account of the customer and the account to be queried comprises the following steps: verifying whether the certificate type, the certificate number and the birth date of the customer are consistent with those of the customer to which the account to be queried belongs;
after passing the verification, determining that the association relationship between the account where the client is and the account to be queried is a second identical relationship;
the query authority determination module 03 is specifically configured to:
when the association relationship between the account of the customer and the account to be queried is a second same-person relationship, the query authority of the account of the customer to be queried is as follows: the two accounts of the second co-relationship are determined to allow mutual inquiry of account information, and the plurality of accounts of the second co-relationship are determined to have the same account and are not allowed to allow mutual inquiry of account information.
In one embodiment, the query right determination module 03 is further configured to:
when the association relationship between the account where the customer is located and the account to be queried is the same person relationship, determining that the query authority of the account where the customer is located for the account to be queried is allowed to be queried;
the account query module 04 is specifically configured to:
when the inquiring authority of the account to be inquired of the account where the client is located is permission for inquiring, the inquiring request is accepted, and the account to be inquired is added to an account list of the client;
and when the client initiates a query request for the account to be queried next time, receiving the query request according to the account list of the client.
In one embodiment, the query right determination module 03 is further configured to:
when the association relationship between the account where the customer is and the account to be queried is a non-identical relationship, determining that the query authority of the account where the customer is to be queried is to be confirmed;
the account query module 04 is also for:
when the inquiring authority of the account to be inquired of the account where the client is located is to be confirmed, an inquiring authorization request is sent to the account to be inquired;
when the account to be queried passes the query authorization request, the query request is accepted, and the account to be queried is added to an account list of a client;
and processing the query request according to the account list of the client when the client initiates the query request to the account to be queried next time.
In one embodiment, the account query module 04 is further configured to:
when the account to be queried does not pass the query authorization request, the query request is refused.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the account management method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the account management method.
In summary, the embodiment of the invention is as follows: receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank; according to the identification information of the account to be queried, determining the association relationship between the account where the customer is and the account to be queried; wherein, the association relation includes: a co-person relationship or a non-co-person relationship; determining the query authority of the account to be queried of the account of the client according to the association relationship between the account of the client and the account to be queried; and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request. Compared with the prior art that the clients are required to frequently switch the identity to log in the online banking addition and account inquiry of different areas, the method and the system can realize that the clients manage the accounts of a plurality of electronic banking systems in one account based on the same person relationship or different person relationship among the accounts, are applicable to all areas, simplify the operation flow, improve the account management efficiency and improve the client experience.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, but various modifications and variations can be made to the embodiment of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. An account management method, comprising:
receiving a query request of a customer on another account initiated by the customer in one account, and determining identification information of the account to be queried, wherein the account where the customer is located and the account to be queried belong to different electronic banking systems of the same bank;
judging whether the account where the customer is located is combined with the account to be queried according to the identification information of the account to be queried;
when the account where the customer is and the account to be queried are combined, determining that the association relationship between the account where the customer is and the account to be queried is a first co-person relationship;
when the account of the customer is not combined with the account to be queried, verifying the account of the customer and the account to be queried comprises the following steps: verifying whether the certificate type, the certificate number and the birth date of the customer are consistent with those of the customer to which the account to be queried belongs;
after passing the verification, determining that the association relationship between the account where the client is and the account to be queried is a second identical relationship; after the verification is not passed, determining that the association relationship between the account where the client is and the account to be queried is a non-identical relationship; the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the non-same person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
when the association relationship between the account of the customer and the account to be queried is a first co-person relationship, the query authority of the account of the customer to be queried is as follows: allowing mutual inquiry of account information between two accounts with the first co-relationship, and allowing mutual inquiry of account information between multiple accounts with the same account with the first co-relationship;
when the association relationship between the account of the customer and the account to be queried is a second same-person relationship, the query authority of the account of the customer to be queried is as follows: the method comprises the steps that mutual inquiry of account information is allowed between two accounts with the second identical person relationship, and mutual inquiry of account information is not allowed between a plurality of accounts with the same account with the second identical person relationship;
when the association relationship between the account of the customer and the account to be queried is a non-identical relationship, determining that the query authority of the account of the customer to be queried is: to be confirmed;
and according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request.
2. The method of claim 1, wherein when the association between the account of the client and the account to be queried is the first co-relationship or the second co-relationship, determining that the query permission of the account of the client to be queried is permission for query;
according to the query authority of the account to be queried of the account where the client is, accepting or rejecting the query request comprises:
when the inquiring authority of the account to be inquired of the account where the client is located is permission for inquiring, the inquiring request is accepted, and the account to be inquired is added to an account list of the client;
and when the client initiates a query request for the account to be queried next time, receiving the query request according to the account list of the client.
3. The method of claim 1, wherein accepting or rejecting the query request based on the query rights of the account to be queried for the account in which the customer is located, comprises:
when the inquiring authority of the account to be inquired of the account where the client is located is to be confirmed, an inquiring authorization request is sent to the account to be inquired;
when the account to be queried passes the query authorization request, the query request is accepted, and the account to be queried is added to an account list of a client;
and processing the query request according to the account list of the client when the client initiates the query request to the account to be queried next time.
4. The method of claim 3, wherein accepting or rejecting the query request based on the query rights of the account to be queried for the account in which the customer is located, comprises:
and rejecting the query request when the account to be queried does not pass the query authorization request.
5. An account management device, comprising:
the identification information determining module is used for receiving a query request of a client on one account to the other account and determining identification information of the account to be queried, wherein the account where the client is located and the account to be queried belong to different electronic banking systems of the same bank;
the association relation determining module is used for judging whether the account where the customer is located is combined with the account to be queried according to the identification information of the account to be queried; when the account where the customer is and the account to be queried are combined, determining that the association relationship between the account where the customer is and the account to be queried is a first co-person relationship; when the account of the customer is not combined with the account to be queried, verifying the account of the customer and the account to be queried comprises the following steps: verifying whether the certificate type, the certificate number and the birth date of the customer are consistent with those of the customer to which the account to be queried belongs; after passing the verification, determining that the association relationship between the account where the client is and the account to be queried is a second identical relationship; after the verification is not passed, determining that the association relationship between the account where the client is and the account to be queried is a non-identical relationship; the same person relationship indicates that the account where the client is located and the account to be queried belong to the same client, and the non-same person relationship indicates that the account where the client is located and the account to be queried do not belong to the same client;
the query permission determination module is configured to, when the association relationship between the account where the client is located and the account to be queried is a first concurrent relationship, determine that the query permission of the account to be queried by the account where the client is located is: allowing mutual inquiry of account information between two accounts with the first co-relationship, and allowing mutual inquiry of account information between multiple accounts with the same account with the first co-relationship; when the association relationship between the account of the customer and the account to be queried is a second same-person relationship, the query authority of the account of the customer to be queried is as follows: the method comprises the steps that mutual inquiry of account information is allowed between two accounts with the second identical person relationship, and mutual inquiry of account information is not allowed between a plurality of accounts with the same account with the second identical person relationship; when the association relationship between the account of the customer and the account to be queried is a non-identical relationship, determining that the query authority of the account of the customer to be queried is: to be confirmed;
and the account query module is used for processing or rejecting the query request according to the query authority of the account to be queried of the account where the client is located.
6. The apparatus of claim 5, wherein the account query module is specifically configured to: when the inquiring authority of the account to be inquired of the account where the client is located is permission for inquiring, the inquiring request is accepted, and the account to be inquired is added to an account list of the client;
and processing the query request according to the account list of the client when the client initiates the query request to the account to be queried next time.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
8. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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| CN110489632A (en) * | 2019-07-23 | 2019-11-22 | 平安科技（深圳）有限公司 | Related information querying method and device |
| CN110647540A (en) * | 2019-08-13 | 2020-01-03 | 平安普惠企业管理有限公司 | Business data query method and device, computer equipment and storage medium |
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| US8306986B2 (en) * | 2005-09-30 | 2012-11-06 | American Express Travel Related Services Company, Inc. | Method, system, and computer program product for linking customer information |
| US9189615B2 (en) * | 2010-04-28 | 2015-11-17 | Openlane, Inc. | Systems and methods for system login and single sign-on |
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| CN107545031A (en) * | 2017-07-17 | 2018-01-05 | 招商银行股份有限公司 | Account comprehensive inquiry service, system and computer-readable recording medium |
| CN110489632A (en) * | 2019-07-23 | 2019-11-22 | 平安科技（深圳）有限公司 | Related information querying method and device |
| CN110647540A (en) * | 2019-08-13 | 2020-01-03 | 平安普惠企业管理有限公司 | Business data query method and device, computer equipment and storage medium |
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