CN111833037A - Account management method and device - Google Patents
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Abstract
The invention discloses a method and a device for account management, and relates to the technical field of computers. One embodiment of the method comprises: acquiring a first account opening request, wherein the first account opening request indicates information of a first user; according to the first account opening request, creating a first account corresponding to the first user; acquiring a second account opening request, wherein the second account opening request indicates the information of the second user; when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account; and managing the first account and the second account according to the association relationship. The embodiment improves the efficiency of account creation and improves the user experience.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an account management method and device.
Background
At present, when a user opens a financial account such as a deposit card or a credit card, the user usually needs to go to an offline financial institution (such as a bank) for transaction, that is, the user goes to a counter of the offline financial institution to submit corresponding account opening information, and then staff of the counter creates a corresponding financial account for the user according to the account opening information.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
every time a user opens a financial account, the user can do the transaction only after going off the counter, so that on one hand, the workload of counter staff is increased, the account creation efficiency is reduced, and on the other hand, the user experience is also reduced.
Disclosure of Invention
In view of this, embodiments of the present invention provide an account management method and apparatus, which implement online account creation, thereby improving account creation efficiency and improving user experience. And moreover, the associated accounts are managed in a unified manner, so that the management of multiple accounts is facilitated, and the account management efficiency is improved.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of account management.
The account management method of the embodiment of the invention comprises the following steps: acquiring a first account opening request, wherein the first account opening request indicates information of a first user;
according to the first account opening request, creating a first account corresponding to the first user;
acquiring a second account opening request, wherein the second account opening request indicates the information of the second user;
when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;
and managing the first account and the second account according to the association relationship.
Optionally, the method further comprises: creating an account management tree corresponding to the first account, the first account corresponding to one node in the account management tree;
when the first user is determined to be associated with the second user, adding the second account to the account management tree as a newly added node according to the association relation;
and managing the first account and the second account according to the account management tree.
Optionally, the first account is a primary account, and the first account is a root node in the account management tree;
the second account is a sub-account, and the second account is a leaf node in the account management tree.
Optionally, the first user and the second user are determined to be associated when the second user and the first user belong to the same enterprise or the second user and the first user have a legal relationship.
Optionally, the method further comprises:
receiving a transaction request with respect to the first account and/or second account;
and realizing the transaction related to the first account and/or the second account according to the transaction request.
Optionally, the managing the first account and the second account according to the association relationship includes:
and recording transaction information related to the first account and/or the second account according to the association relationship.
Optionally, the method further comprises:
determining a subscription transaction item for the first account and/or the second account;
and pushing the transaction information related to the subscribed transaction item to the corresponding first account and/or second account.
To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an apparatus for account management.
An account management apparatus according to an embodiment of the present invention includes: the system comprises a first account creating module, a second account creating module and a management module; wherein,
the first account creating module is used for acquiring a first account opening request, wherein the first account opening request indicates the information of the first user; according to the first account opening request, creating a first account corresponding to the first user;
the second account creating module is configured to obtain a second account opening request, where the second account opening request indicates information of the second user; when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;
and the management module is used for managing the first account and the second account according to the incidence relation.
To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an electronic device for account management.
An electronic device for account management according to an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method of account management of an embodiment of the present invention.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable storage medium.
A computer-readable storage medium of an embodiment of the present invention has stored thereon a computer program that, when executed by a processor, implements a method of account management of an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of firstly creating a first account corresponding to a first user according to an account opening request of the first user, automatically creating a second account corresponding to a second user if the second user is determined to be associated with the first user after a second account opening request of the second user is obtained, constructing an association relation between the first account and the second account, and then managing the first account and the second account according to the association relation. Therefore, the account is established on line according to the information of the user without the need of the user to go to the off-line counter to open the account, so that the account establishing efficiency is improved, and the user experience is improved. And moreover, the associated accounts are managed in a unified manner, so that the management of multiple accounts is facilitated, and the account management efficiency is improved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a method of account management according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating an account management tree according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of an enterprise system interfacing with an account management device, in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram of the main steps of another method of account management according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of the major modules of an account management apparatus according to an embodiment of the present invention;
FIG. 6 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
It should be noted that the embodiments of the present invention and the technical features of the embodiments may be combined with each other without conflict.
Fig. 1 is a schematic diagram of the main steps of a method of account management according to an embodiment of the present invention.
As shown in fig. 1, a method for account management according to an embodiment of the present invention mainly includes the following steps:
step S101: the method comprises the steps of obtaining a first account opening request, wherein the first account opening request indicates information of a first user.
Step S102: and creating a first account corresponding to the first user according to the first account opening request.
Step S103: and acquiring a second account opening request, wherein the second account opening request indicates the information of a second user.
Step S104: and when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account.
Step S105: and managing the first account and the second account according to the association relationship.
The first account opening request and the second account opening request may be initiated by the same user, or may be initiated by the first user and the second user, respectively. For example, the first account opening request and the second account opening request are both initiated by the first user, or the first account opening request is initiated by the first user and the second account opening request is initiated by the second user.
Generally, the first account opening request is initiated by the first user. When creating the first account, the first user may perform a transaction through the account management apparatus provided in the embodiment of the present invention, or may perform a transaction on an offline counter. After the first account is created, if the first user or a second user associated with the first user needs to create a second account associated with the first account, the second account can be created directly through the account management device without the need that the user goes offline again to create the second account, so that the account creation efficiency is improved.
When a first user initiates a first account opening request, the first user information is indicated through the first account opening request. When the user is an enterprise user, the information of the first user may include information that may identify the enterprise, such as the name of the enterprise and an organizational code of the enterprise. When the user is an individual user, the information of the first user may include information that can identify the individual user, such as a user name and a user identification number.
If the first user creates the first account through the account management device, when the first user is an Enterprise user, an Enterprise Resource Planning (ERP) system corresponding to the first user may directly establish communication connection with the account management device provided in the embodiment of the present invention, and then the ERP system corresponding to the first user may send information of the first user to the account management device according to a first user opening request of the first user, so that the account management device provided in the embodiment of the present invention creates the first account according to the information of the first user. The enterprise ERP system is a system for effectively sharing and utilizing enterprise resources, and information is fully arranged and effectively transmitted through the information system, so that the resources of an enterprise can be reasonably configured and utilized in various aspects such as purchasing, storing, producing, selling, people, property, things and the like, and the enterprise operation efficiency is improved. Essentially, the ERP system is an information system and a tool. Certain management ideas and contents can be integrated in the system design, and the management level of an enterprise can be improved.
When the first user is an individual user, the first user can input the information of the first user in the terminal application corresponding to the account management device, so that the account management device can provide the information of the first user to the account management device through the terminal application, and the account management device can create the first account according to the information of the first user.
In addition, when the first user opens the first account through the offline counter, the first user provides the information of the first user to the staff of the offline counter. Then, the staff at the offline counter can create a first account corresponding to the first user according to the information of the first user.
In one embodiment of the invention, when creating a first account, an account management tree corresponding to the first account may be created, the first account corresponding to one node in the account management tree; when the first user is determined to be associated with the second user, adding the second account to the account management tree as a newly added node according to the association relation; and managing the first account and the second account according to the account management tree.
When the first account is created, an account management tree corresponding to the first account can be created at the same time, and the first account is a node in the account management tree. It can be understood that, when creating the account management tree corresponding to the first account, the account management tree may have a plurality of nodes, or may have only one node. When the account management tree has a plurality of nodes, the information of other nodes except the node corresponding to the first account is temporarily empty, and after a second account having an association relationship with the first account is created, the information of other nodes except the node corresponding to the first account in the account management tree can be filled according to the information of the second account. Of course, when there is only one node in the account management tree, that node corresponds to the first account.
When the first account corresponds to a cash transaction system, the currency corresponding to the first account may be determined when the first account is created. Then, when creating the first account, the information of the first account recorded correspondingly is shown in table 1, where the information includes the account management tree number corresponding to the first account, the number of the first account in the account management tree, the account number of the first account, and the currency of the first account.
TABLE 1
| Account number of first account | 1111110000 |
| Account management tree numbering for a first account | A-0 |
| Numbering of first account in account management tree | A |
| Currency of the first account | RMB, dollar and Euro |
The method for managing an account provided by the embodiment of the invention is described below by taking the first account and the second account as enterprise accounts. When the first account and the second account are both enterprise accounts, the first user and the second user may be a head office and a branch office, or a parent office and a subsidiary office, which belong to the same enterprise, respectively, or have a subordinate relationship.
For example, when the first user is a head office and the second user is a subsidiary, after the head office a creates a first account corresponding to the legal qualification thereof, if the subsidiary a1 of the head office needs to create a second account corresponding to the legal qualification of the subsidiary, a second account opening request may be submitted through the enterprise ERP system, where the second account opening request indicates information of the subsidiary a1, such as the business name of the subsidiary a1 and the organization code of the business, and in addition, the second account opening request may also indicate the first user and/or the first account associated therewith, so that the account management apparatus may quickly determine the information of the first user according to the first user and/or the first account associated therewith, which is indicated by the second account opening request, to further verify whether the first user and the second user are associated, thereby improving the creation efficiency of the second account.
For example, when the account management apparatus verifies that the first user and the second user are associated with each other according to the enterprise names and the enterprise organization codes of the first user and the second user, in this example, when it is determined that the second user (the subsidiary company a1) is a subsidiary company of the first user (the head office company a), the second account is created according to the information of the second user, and the association relationship between the second account and the first account is constructed.
Specifically, when the association relationship is constructed, if only the node corresponding to the first account exists in the account management tree, the second account may be added to the account management tree corresponding to the first account as an additional node. That is, when it is determined that the second user has a relationship with the first user, the account management tree corresponding to the first user may be found according to the account management tree number corresponding to the first account, and then a node corresponding to the second account is added to the found account management tree to update the account management tree.
When the account management tree is updated, a node corresponding to the second account can be added to the account management tree according to the hierarchical relationship between the first user and the second user. In this example, since the first account is an account corresponding to a head office, which is a main account of an enterprise, and the second account is an account corresponding to a subsidiary, which is a subsidiary account of an enterprise, that is, the first account is higher in level than the second account, in the account management tree, the first account is a root node, and the second account is a leaf node. The schematic diagram of the account management tree can be shown in fig. 2, a node a represents a first account corresponding to a head company a, and a node a1 represents a second account corresponding to a subsidiary company a 1. Therefore, when creating the second account, the information of the second account recorded correspondingly is as shown in table 2 below:
TABLE 2
| Account number of second account | 1111110001 |
| Account management tree numbering for a second account | A-0 |
| Numbering of second account in account management tree | A1 |
| Currency of the second account | RMB and dollar |
It is understood that the account numbers, account management tree numbers, account numbers in the account management tree, and currency values in tables 1 and 2 are examples, and may be different in practical applications according to specific service scenarios. It should be noted that, in tables 1 and 2, the account management tree numbers corresponding to the first account and the second account are the same, that is, the multiple account numbers having the association relationship correspond to the same account management tree, so that the account management device manages the multiple account numbers having the association relationship according to the account management tree, thereby improving the account management efficiency.
Of course, if there are other subsidiaries a2 that need to create their corresponding accounts, the information of the subsidiaries a2 may be sent to the account management device through the enterprise ERP system, and the account management device may create a second account corresponding to the subsidiaries a2 according to the information of the subsidiaries a2 and correspondingly add the second account corresponding to the subsidiaries a2 to the account management tree corresponding to the head company a, where in fig. 2, the second account corresponding to the subsidiaries a2 is represented as a node a 2.
In addition, when the account management tree has a plurality of levels, the level relationship corresponding to each account may be recorded, for example, the level relationship corresponding to the first account a is recorded as shown in table 3. The hierarchy number of the account and its upper-level account and/or lower-level account are recorded through a hierarchical relationship record table as shown in table 3.
TABLE 3
| Account number | 1111110000 |
| Hierarchy numbering | 1 |
| Superior account | Is free of |
| Subordinate account | A1、A2 |
The hierarchical relationship record table shown in table 3 may be stored in combination with the information table shown in table 1, that is, the content of table 3 and the content of table 1 may be combined into one table to store the information corresponding to the first account. Of course, the hierarchical relationship record table shown in table 3 may also be stored separately from table 1, that is, account information and hierarchical information corresponding to the first account are recorded through table 1 and table 3, respectively.
In addition, although in this embodiment, a main account is created first and then a sub-account is created as an example, it is understood that in an actual application process, a sub-account may be created first and then a main account is created, that is, the first account may be a sub-account, and the second account is a main account at this time, for example, the first account is an account of a sub-company, and the second account is an account of a main company to which the sub-company belongs. Then the leaf node (corresponding to the first account) in the account management tree is determined when the account management tree is created, and the root node in the account management tree is determined after the second account is created.
Additionally, the first user and the second user may also be individual users. In this case, when the first user and the second user have a legal relationship, it may be determined that the first user and the second user are associated. For example, the first user is a parent, the second user is a child, the first account created by the first user may be a primary account, and after the first account is created, if the first user wants to create a second account of the second user, the first user may initiate a second account opening request again, so that the account management device creates the second account according to the second account opening request, where the second account is a child account of the first account. And then taking the first account and the second account as a root node and a leaf node in an account management tree respectively to construct an association relationship of the first account and the second account, thereby facilitating the management of the first account and the second account.
After the first account and the second account are created, the account management device provided by the embodiment of the invention can receive the transaction request related to the first account and/or the second account, and then realize the transaction related to the first account and/or the second account according to the transaction request.
Wherein the transaction request may be a cash transaction between the first account and the second account, such as a transfer or loan type transaction. It is understood that after the first account and the second account are created, an activation operation, such as currency activation, is performed before the transaction between the first account and the second account is completed.
In an embodiment of the present invention, when the first account and the second account are both bank accounts of an enterprise, the account management device mainly manages the bank accounts, that is, the account management device may be disposed in a bank system. In this case, the enterprise ERP system may establish a communication connection with the account management device in the bank system through a direct connection interface provided by the bank system, and the connection diagram may be as shown in fig. 3. Therefore, the account management device can create a corresponding account according to the user information provided by the enterprise ERP system and complete the activation of the account. When the transaction is performed, the specific transaction can be completed through a corresponding transaction device in the bank system, for example, when a cash transaction is performed for the first account and/or the second account, the specific transaction can be completed through a cash transaction device in the bank system.
After the transaction is completed, the account management device may record transaction information related to the first account and/or the second account according to the association relationship between the first account and the second account. For example, when the transaction is a cash transfer transaction from a first account to a second account, the flow direction and the amount of cash can be conveniently and quickly recorded according to the hierarchical relationship between the first account and the second account in the account management tree, so that the statistics and the centralized management of transaction information are facilitated.
According to the above embodiment, as shown in fig. 4, an account management method provided by an embodiment of the present invention may include the following steps:
step S401: the method comprises the steps of obtaining a first account opening request, wherein the first account opening request indicates information of a first user.
Step S402: and according to the first account opening request, creating a main account corresponding to the first user, creating an account management tree corresponding to the main account, and taking the main account as a root node of the account management tree.
Step S403: and acquiring a second account opening request, wherein the second account opening request indicates the information of a second user.
Step S404: and when the first user and the second user belong to the same enterprise and the second user is the subordinate of the first user according to the information of the second user and the information of the first user, creating a sub-account corresponding to the second account opening request.
Step S405: adding leaf nodes corresponding to the sub-accounts in the account management tree to construct the association relationship between the main accounts and the sub-accounts.
Step S406: and receiving a transaction request related to the main account and/or the sub-account, and realizing the transaction related to the main account and/or the sub-account according to the transaction request.
Step S407: and recording transaction information related to the main account and/or the sub-account according to the account management tree.
In one embodiment of the invention, when creating the first account and/or the second account, the subscription transaction item of the first account and/or the second account can also be determined; transaction information related to the subscribed transaction item may then be pushed to the corresponding first account and/or the second account.
For example, when the user initiates the first account opening request and/or the second account opening request, the corresponding subscription transaction item may be indicated by the first account opening request and/or the second account opening request, and the subscription transaction item may also be indicated by another subscription request. These subscription transaction items may be various types of items such as cash transactions (transfer/deposit, etc.) and virtual asset transactions (fund/stock related transactions, etc.). Then, after the transaction information corresponding to the subscribed transaction items is generated, the account management device can push the corresponding transaction information to the first account and/or the second account subscribed to the transaction items, so that the first account and the second account can receive the corresponding transaction information in time according to the subscribed transaction items, and user experience is improved.
According to the account management method, the first account corresponding to the first user is created according to the account opening request of the first user, after the second account opening request of the second user is obtained, if the second user is determined to be associated with the first user, the second account corresponding to the second user is automatically created, the association relationship between the first account and the second account is established, and then the first account and the second account are managed according to the association relationship. Therefore, the account is established on line according to the information of the user without the need of the user to go to the off-line counter to open the account, so that the account establishing efficiency is improved, and the user experience is improved. And moreover, the associated accounts are managed in a unified manner, so that the management of multiple accounts is facilitated, and the account management efficiency is improved.
Fig. 5 is a schematic diagram of main modules of an account management apparatus according to an embodiment of the present invention.
As shown in fig. 5, an apparatus 500 for account management according to an embodiment of the present invention includes: a first account creation module 501, a second account creation module 502, and a management module 503; wherein,
the first account creating module 501 is configured to obtain a first account opening request, where the first account opening request indicates information of a first user; according to the first account opening request, creating a first account corresponding to the first user;
the second account creating module 502 is configured to obtain a second account opening request, where the second account opening request indicates information of a second user; when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;
the management module 503 is configured to manage the first account and the second account according to the association relationship.
In an embodiment of the present invention, the first account creating module 501 is configured to create an account management tree corresponding to the first account, where the first account corresponds to one node in the account management tree;
the second account creating module 502 is configured to, when it is determined that the first user and the second user are associated with each other, add the second account as a newly added node to the account management tree according to the association relationship;
the management module 503 is configured to manage the first account and the second account according to the account management tree.
In one embodiment of the present invention, the first account is a primary account, and the first account is a root node in the account management tree; the second account is a sub-account, and the second account is a leaf node in the account management tree.
In an embodiment of the present invention, the second account creation module 502 is configured to determine that the first user and the second user are associated when the second user and the first user belong to the same enterprise or the second user and the first user have a legal relationship.
In an embodiment of the present invention, the management module 503 is further configured to receive a transaction request regarding the first account and/or the second account; and realizing the transaction related to the first account and/or the second account according to the transaction request.
In an embodiment of the present invention, the management module 503 is configured to record transaction information related to the first account and/or the second account according to the association relationship.
In an embodiment of the present invention, the management module 503 is further configured to determine a subscription transaction item of the first account and/or the second account; and pushing the transaction information related to the subscribed transaction item to the corresponding first account and/or second account.
According to the account management device, the first account corresponding to the first user is created according to the account opening request of the first user, after the second account opening request of the second user is obtained, if the second user is determined to be associated with the first user, the second account corresponding to the second user is automatically created, the association relationship between the first account and the second account is established, and then the first account and the second account are managed according to the association relationship. Therefore, the account is established on line according to the information of the user without the need of the user to go to the off-line counter to open the account, so that the account establishing efficiency is improved, and the user experience is improved. And moreover, the associated accounts are managed in a unified manner, so that the management of multiple accounts is facilitated, and the account management efficiency is improved.
Fig. 6 illustrates an exemplary system architecture 600 of a method of account management or an apparatus of account management to which embodiments of the present invention may be applied.
As shown in fig. 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604, and a server 605. The network 604 serves to provide a medium for communication links between the terminal devices 601, 602, 603 and the server 605. Network 604 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use the terminal devices 601, 602, 603 to interact with the server 605 via the network 604 to receive or send messages or the like. Various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like, may be installed on the terminal devices 601, 602, and 603.
The terminal devices 601, 602, 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 605 may be a server that provides various services, such as a background management server that supports shopping websites browsed by users using the terminal devices 601, 602, and 603. The background management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (e.g., target push information and product information) to the terminal device.
It should be noted that the method for account management provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the apparatus for account management is generally disposed in the server 605.
It should be understood that the number of terminal devices, networks, and servers in fig. 6 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a first account creation module, a second account creation module, and a management module. The names of these modules do not in some cases form a limitation on the module itself, and for example, a management module may also be described as a "module that manages the first account and the second account".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: acquiring a first account opening request, wherein the first account opening request indicates information of a first user; according to the first account opening request, creating a first account corresponding to the first user; acquiring a second account opening request, wherein the second account opening request indicates information of a second user; when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account; and managing the first account and the second account according to the association relationship.
According to the technical scheme of the embodiment of the invention, a first account corresponding to a first user is firstly created according to an account opening request of the first user, after a second account opening request of a second user is obtained, if the second user is determined to be associated with the first user, a second account corresponding to the second user is automatically created, the association relationship between the first account and the second account is established, and then the first account and the second account are managed according to the association relationship. Therefore, the account is established on line according to the information of the user without the need of the user to go to the off-line counter to open the account, so that the account establishing efficiency is improved, and the user experience is improved. And moreover, the associated accounts are managed in a unified manner, so that the management of multiple accounts is facilitated, and the account management efficiency is improved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method of account management, comprising:
acquiring a first account opening request, wherein the first account opening request indicates information of a first user;
according to the first account opening request, creating a first account corresponding to the first user;
acquiring a second account opening request, wherein the second account opening request indicates information of a second user;
when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;
and managing the first account and the second account according to the association relationship.
2. The method of claim 1, further comprising:
creating an account management tree corresponding to the first account, the first account corresponding to one node in the account management tree;
when the first user is determined to be associated with the second user, adding the second account to the account management tree as a newly added node according to the association relation;
and managing the first account and the second account according to the account management tree.
3. The method of claim 2,
the first account is a main account and is a root node in the account management tree;
the second account is a sub-account, and the second account is a leaf node in the account management tree.
4. The method of claim 1,
and when the second user and the first user belong to the same enterprise or the second user and the first user have a legal relationship, determining that the first user and the second user are associated.
5. The method of claim 1, further comprising:
receiving a transaction request with respect to the first account and/or second account;
and realizing the transaction related to the first account and/or the second account according to the transaction request.
6. The method according to claim 5, wherein the managing the first account and the second account according to the association relationship comprises:
and recording transaction information related to the first account and/or the second account according to the association relationship.
7. The method of claim 5, further comprising:
determining a subscription transaction item for the first account and/or the second account;
and pushing the transaction information related to the subscribed transaction item to the corresponding first account and/or second account.
8. An apparatus for account management, comprising: the system comprises a first account creating module, a second account creating module and a management module; wherein,
the first account creating module is used for acquiring a first account opening request, wherein the first account opening request indicates the information of the first user; according to the first account opening request, creating a first account corresponding to the first user;
the second account creating module is configured to obtain a second account opening request, where the second account opening request indicates information of the second user; when the first user is determined to be associated with the second user according to the information of the second user and the information of the first user, creating a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;
and the management module is used for managing the first account and the second account according to the incidence relation.
9. An electronic device for account management, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-7.
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