CN111833037A - A method and device for account management - Google Patents

Abstract

The invention discloses a method and device for account management, and relates to the technical field of computers. A specific implementation of the method includes: acquiring a first account opening request, where the first account opening request indicates information of a first user; creating a first account corresponding to the first user according to the first account opening request; Obtain a second account opening request, where the second account opening request indicates the information of the second user; when the first user and the first user are determined according to the information of the second user and the information of the first user When the second user is associated, a second account corresponding to the second account opening request is created, and an association relationship between the second account and the first account is constructed; and the second account for management. This implementation improves the efficiency of account creation and improves user experience.

Description

A method and device for account management

technical field

The present invention relates to the field of computer technology, and in particular, to a method and device for account management.

Background technique

At present, when a user opens a financial account such as a savings card or a credit card, he usually needs to go to an offline financial institution (such as a bank) to handle it, that is, the user goes to the counter of the offline financial institution, submits the corresponding account opening information, and then the staff at the counter Account opening information creates corresponding financial accounts for users.

In the process of realizing the present invention, the inventor found that there are at least the following problems in the prior art:

Every time a user opens a financial account, he needs to go to the offline counter to handle it. On the one hand, the workload of the counter staff increases, which reduces the efficiency of account creation, and on the other hand, reduces the user experience.

SUMMARY OF THE INVENTION

In view of this, embodiments of the present invention provide a method and device for account management, which enables online account creation, thereby improving account creation efficiency and improving user experience. Moreover, the unified management of the associated accounts is beneficial to the management of multiple accounts and improves the management efficiency of the accounts.

To achieve the above object, according to an aspect of the embodiments of the present invention, a method for account management is provided.

A method for account management according to an embodiment of the present invention includes: acquiring a first account opening request, where the first account opening request indicates information of a first user;

creating a first account corresponding to the first user according to the first account opening request;

obtaining a second account opening request, where the second account opening request indicates the information of the second user;

When it is determined that the first user and the second user are associated according to the information of the second user and the information of the first user, create a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account;

According to the association relationship, the first account and the second account are managed.

Optionally, the method further includes: creating an account management tree corresponding to the first account, where the first account corresponds to a node in the account management tree;

When it is determined that the first user and the second user are associated, according to the association relationship, the second account is added to the account management tree as a new node;

According to the account management tree, the first account and the second account are managed.

Optionally, the first account is the primary account, and the first account is the 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, 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, it is determined that the first user and the second user are related link.

Optionally, the method further includes:

receiving a transaction request with respect to the first account and/or the second account;

A transaction associated with the first account and/or the second account is effected according to the transaction request.

Optionally, the managing the first account and the second account according to the association relationship includes:

According to the association relationship, transaction information related to the first account and/or the second account is recorded.

Optionally, the method further includes:

determining a subscription transaction item for the first account and/or the second account;

The transaction information related to the subscription transaction item is pushed to the corresponding first account and/or the second account.

To achieve the above object, according to another aspect of the embodiments of the present invention, an account management device is provided.

An apparatus for account management according to an embodiment of the present invention includes: a first account creation module, a second account creation module, and a management module; wherein,

The first account creation module is configured to obtain a first account opening request, where the first account opening request indicates the information of the first user; according to the first account opening request, create a first account opening request corresponding to the first user. an account;

The second account creation module is configured to obtain a second account opening request, where the second account opening request indicates the information of the second user; when according to the information of the second user and the information of the first user, When it is determined that the first user and the second user are associated, a second account corresponding to the second account opening request is created, and an association relationship between the second account and the first account is constructed;

The management module is configured to manage the first account and the second account according to the association relationship.

To achieve the above object, according to another aspect of the embodiments of the present invention, an electronic device for account management is provided.

An electronic device for account management according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors The execution causes the one or more processors to implement an account management method according to an embodiment of the present invention.

To achieve the above object, according to yet another aspect of the embodiments of the present invention, a computer-readable storage medium is provided.

A computer-readable storage medium according to an embodiment of the present invention stores a computer program thereon, and when the program is executed by a processor, an account management method according to an embodiment of the present invention is implemented.

An embodiment of the above invention has the following advantages or beneficial effects: first, a first account corresponding to the first user is created according to the account opening request of the first user; If the second user is associated with the first user, a second account corresponding to the second user is automatically created, and an association relationship between the first account and the second account is constructed, and then the first account and the second account are managed according to the association relationship. . Thus, it is possible to create an account online according to the user's information, without requiring the user to open an account at an offline counter, thereby improving the efficiency of account creation and improving the user experience. Moreover, the unified management of the associated accounts is beneficial to the management of multiple accounts and improves the management efficiency of the accounts.

Further effects of the above non-conventional alternatives will be described below in conjunction with specific embodiments.

Description of drawings

The accompanying drawings are used for better understanding of the present invention and do not constitute an improper limitation of the present invention. in:

1 is a schematic diagram of main steps of a method for account management according to an embodiment of the present invention;

2 is a schematic structural diagram of an account management tree according to an embodiment of the present invention;

3 is a schematic diagram of the connection between an enterprise system and an account management device according to an embodiment of the present invention;

4 is a schematic diagram of main steps of another method for account management according to an embodiment of the present invention;

5 is a schematic diagram of main modules of an apparatus for account management according to an embodiment of the present invention;

FIG. 6 is an exemplary system architecture diagram to which an embodiment of the present invention may be applied;

FIG. 7 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

Detailed ways

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding and should be considered as exemplary only. 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 from the following description for clarity and conciseness.

It should be pointed out that the embodiments of the present invention and the technical features in the embodiments may be combined with each other without conflict.

FIG. 1 is a schematic diagram of main steps of a method for 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: Obtain a first account opening request, where the first account opening request indicates information of a first user.

Step S102: Create a first account corresponding to the first user according to the first account opening request.

Step S103: Obtain a second account opening request, where the second account opening request indicates the information of the second user.

Step S104: When it is determined that the first user and the second user are related according to the information of the second user and the information of the first user, create a second account opening request corresponding to the second user. account, and build an association relationship between the second account and the first account.

Step S105: Manage 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, both the first account opening request and the second account opening request are 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 the first account is created, the first user can perform the transaction through the account management device provided by the embodiment of the present invention, or can go to the offline counter to perform the transaction. After the first account is created, if the first user or the 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 for The user goes to the offline counter to create a second account again, thereby improving the efficiency of account creation.

When the first user initiates the first account opening request, the information of the first user 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 can identify the enterprise, such as the enterprise name and the organization 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 the user's name and user ID number.

If the first user creates the first account through the account management device, when the first user is an enterprise user, the enterprise ERP (Enterprise Resource Planning) system corresponding to the first user can directly manage the account management provided by the embodiment of the present invention. The device establishes a communication connection, and then the enterprise ERP system corresponding to the first user can send the information of the first user to the account management device according to the first account opening request of the first user, so that the account management device provided by the embodiment of the present invention The user's information creates the first account. Among them, the enterprise ERP system is a system that effectively shares and utilizes enterprise resources. Through the information system, the information is fully organized and effectively transmitted, so that the enterprise's resources can be purchased, stored, produced, sold, human, financial, material, etc. Aspects can be reasonably configured and utilized, so as to achieve the improvement of business efficiency. Essentially, an enterprise ERP system is an information system and a tool. Some management ideas and contents can be integrated in its system design, which can help enterprises to improve their management level.

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 as to provide the account management device with the information of the first user through the terminal application, thereby facilitating account management The apparatus creates a 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 an embodiment of the present invention, when a first account is created, an account management tree corresponding to the first account may be created, and the first account corresponds to a node in the account management tree; when the first account is determined When a user is associated with the second user, according to the association relationship, the second account is added to the account management tree as a new node; according to the account management tree, the first account and The second account is managed.

When the first account is created, an account management tree corresponding to the first account may be created at the same time, and the first account is a node in the account management tree. It can be understood that, when the account management tree corresponding to the first account is created, the account management tree may have multiple nodes or only one node. When there are multiple nodes in the account management tree, the information of other nodes except the node corresponding to the first account is temporarily empty. Fill in the information of other nodes in the account management tree except the node corresponding to the first account. Of course, when the account management tree has only one node, the node corresponds to the first account.

When the first account corresponds to the cash transaction system, when the first account is created, the currency corresponding to the first account can be determined. Then, when the first account is created, the information of the first account corresponding to the record is shown in Table 1, which includes the account management tree number corresponding to the first account, the number of the first account in the account management tree, and the number of the first account in the account management tree. Account number and the currency of the first account.

Table 1

Account number of the first account 1111110000 Account management tree number of the first account A-0 The number of the first account in the account management tree A Currency of the first account RMB, USD, EUR

The following describes the account management method provided by the embodiment of the present invention by taking as an example that both the first account and the second account are enterprise accounts. Wherein, when the first account and the second account are both enterprise accounts, the first user and the second user may be two departments belonging to the same enterprise, or a head office and a branch company with affiliation, or a parent company and a subsidiary company. .

For example, when the first user is the parent company and the second user is a subsidiary company, after the parent company A creates the first account corresponding to its legal personality, if the subsidiary company A1 of the parent company needs to create a first account corresponding to the legal personality of the subsidiary company When the second account is established, the second account opening request can be submitted through the enterprise ERP system. The second account opening request indicates the information of the subsidiary A1, such as the company name of the subsidiary A1 and the organization code of the company. In addition, the second account opening request It can also indicate the first user and/or the first account associated therewith, so that the account management apparatus can quickly determine the first user according to the first user and/or the first account associated with it indicated by the second account opening request information 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 related according to the company names and company organization codes of the first user and the second user, in this example, it is determined that the second user (subsidiary A1 ) is a subsidiary of the first user (head office A), create a second account according to the information of the second user, and build an association relationship between the second account and the first account.

Specifically, when constructing an association relationship, if there is only a node corresponding to the first account in the account management tree, the second account may be added to the account management tree corresponding to the first account as a newly added node. That is to say, when it is determined that the second user is associated with the first user, the account management tree corresponding to the first user can be found according to the account management tree number corresponding to the first account, and then the account management tree corresponding to the found account management tree can be found. In the tree, a node corresponding to the second account is added to update the account management tree.

When updating the account management tree, a node corresponding to the second account may be added in 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 the account corresponding to the head office, it is the main account of the enterprise, and the second account is the account corresponding to the subsidiary company, which is the sub-account of the enterprise, that is, the level of the first account is higher than that of the second account , so in the account management tree, the first account is the root node, and the second account is the leaf node. A schematic diagram of the account management tree can be shown in FIG. 2 . In FIG. 2 , node A represents the first account corresponding to head office A, and node A1 represents the second account corresponding to subsidiary company A1 . Therefore, when the second account is created, the information of the correspondingly recorded second account is shown in Table 2 below:

Table 2

The account number of the second account 1111110001 Account management tree number of the second account A-0 The number of the second account in the account management tree A1 Currency of the second account RMB, USD

It can be 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 all examples, and may vary according to specific business scenarios in practical applications. But it is worth noting that in Table 1 and Table 2, the account management tree numbers corresponding to the first account and the second account are the same, that is, multiple accounts with associated relationships correspond to the same account management tree, It is convenient for the account management device to manage multiple accounts with associated relationship according to the account management tree, thereby improving the management efficiency of the accounts.

Of course, if there are other subsidiaries A2 that need to create their corresponding accounts in the future, the information of the subsidiary company A2 can be sent to the account management device through the enterprise ERP system, and the account management device can create the corresponding account of the subsidiary company A2 according to the information of the subsidiary company A2. and correspondingly add the second account corresponding to subsidiary company A2 to the account management tree corresponding to its parent company A. In FIG. 2 , the second account corresponding to subsidiary company A2 is represented as node A2.

In addition, when there are multiple levels in the account management tree, the hierarchical relationship corresponding to each account may also be recorded accordingly. For example, the hierarchical relationship corresponding to the first account A is recorded as shown in Table 3. The level number of the account and its upper-level account and/or lower-level account are recorded through the level relationship record table as shown in Table 3.

table 3

account 1111110000 Tier number 1 superior account none lower account A1, A2

The hierarchical relationship record table shown in Table 3 can 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 can be combined into a table to store the corresponding data of the first account. information. Of course, the hierarchical relationship record table shown in Table 3 can also be stored independently from Table 1, that is, the 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, the main account is created first and then the sub-account is created as an example, it can be understood that in the actual application process, the sub-account can be created first and then the main account, that is, the first account It can be a sub-account. In this case, the second account is the main account. For example, the first account is the account of a subsidiary company, and the second account is the account of the head office to which the subsidiary company belongs. Then, when the account management tree is created, the leaf nodes (corresponding to the first account) in the account management tree are determined first, and after the second account is created, the root node in the account management tree is determined.

In addition, 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, if the first user is a parent and the second user is a child, the first account created by the first user can be the main account. After the first account is created, if the first user wants to create the second account of the second user, then The first user may initiate a second account opening request again, so that the account management apparatus creates a second account according to the second account opening request, where the second account is a sub-account of the first account. Then, the first account and the second account are respectively used as the root node and the leaf node in the account management tree to construct the association relationship between the first account and the second account, so as to facilitate the management of the first account and the second account.

After the first account and the second account are created, the account management apparatus provided in this embodiment of the present invention may receive a transaction request for the first account and/or the second account, and then implement the transaction request with the first account and/or the second account according to the transaction request. Transactions related to the second account.

Wherein, the transaction request may be a cash transaction between the first account and the second account, such as a transfer or loan transaction. It can be understood that, after the first account and the second account are created, an activation operation, such as currency activation, etc., needs to be performed first, and then the transaction between the first account and the second account can be realized.

In an embodiment of the present invention, when the first account and the second account are both corporate bank accounts, the account management device mainly manages bank accounts, that is, the account management device may be installed in the banking system. In this case, the enterprise ERP system can establish a communication connection with the account management device in the banking system through the direct connection interface provided by the banking system, and a schematic diagram of the connection can be shown in FIG. 3 . This enables the account management device to create a corresponding account according to the user information provided by the enterprise ERP system, and complete the activation of the account. During the transaction, the specific transaction can be completed through the corresponding transaction device in the banking system. For example, when performing a cash transaction for the first account and/or the second account, the specific transaction can be completed through the cash transaction device in the banking system. .

After completing the transaction, 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 the first account to the second account, the cash flow and amount can be recorded conveniently and quickly according to the hierarchical relationship between the first account and the second account in the account management tree, so as to facilitate the transaction information statistics and centralized management.

According to the foregoing 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: Obtain a first account opening request, where the first account opening request indicates the information of the first user.

Step S402: According to the first account opening request, create a main account corresponding to the first user, and create an account management tree corresponding to the main account, and use the main account as the root node of the account management tree .

Step S403: Obtain a second account opening request, where the second account opening request indicates the information of the second user.

Step S404: When it is determined according to the information of the second user and the information of the first user that the first user and the second user belong to the same enterprise, and the second user is the first user When the sub-account of the second account opening request is created, the sub-account corresponding to the second account opening request is created.

Step S405 : adding a leaf node corresponding to the sub-account in the account management tree to construct an association relationship between the main account and the sub-account.

Step S406: Receive a transaction request related to the main account and/or sub-account, and implement a transaction related to the main account and/or sub-account according to the transaction request.

Step S407: Record transaction information related to the main account and/or sub-account according to the account management tree.

In one embodiment of the present invention, when the first account and/or the second account are created, the subscription transaction items of the first account and/or the second account may also be determined; The item-related transaction information is 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 user may indicate the corresponding subscription transaction item through the first account opening request and/or the second account opening request, or may indicate the subscription transaction item through another subscription request. These subscription transaction items can be various types of items such as cash transactions (transfers/deposits, etc.) and virtual asset transactions (fund/stock-related transactions, etc.). Then, after generating the transaction information corresponding to the subscription transaction item, the account management apparatus may push the corresponding transaction information to the first account and/or the second account subscribed to the transaction item, so that the first account and the second account can Receive corresponding transaction information in a timely manner according to its own subscription transaction items, thereby improving user experience.

According to an account management method according to an embodiment of the present invention, it can be seen that, first, a first account corresponding to the first user is created according to the account opening request of the first user. If the second user is associated with the first user, the second account corresponding to the second user is automatically created, and the association relationship between the first account and the second account is constructed, and then according to the association relationship, the first account and the second account are created. to manage. Thus, it is possible to create an account online according to the user's information, without requiring the user to open an account at an offline counter, thereby improving the efficiency of account creation and improving the user experience. Moreover, the unified management of the associated accounts is beneficial to the management of multiple accounts and improves the management efficiency of the accounts.

FIG. 5 is a schematic diagram of main modules of an apparatus for account management 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 creation module 501 is configured to obtain a first account opening request, where the first account opening request indicates the information of the first user; according to the first account opening request, create a first account corresponding to the first user. account;

The second account creation module 502 is configured to obtain a second account opening request, where the second account opening request indicates the information of the second user; when determining according to the information of the second user and the information of the first user When it is determined that the first user and the second user are associated, a second account corresponding to the second account opening request is created, and an association relationship between the second account and the first account is constructed;

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 creation module 501 is configured to create an account management tree corresponding to the first account, and the first account corresponds to a node in the account management tree;

The second account creation module 502 is configured to add the second account as a new node to the account according to the association relationship when it is determined that the first user and the second user are associated management tree;

The management module 503 is configured to manage the first account and the second account according to the account management tree.

In an embodiment of the present invention, the first account is a main 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 the Leaf nodes in the account management tree.

In an embodiment of the present invention, the second account creation module 502 is used for 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 When , it is determined that the first user and the second user are associated.

In an embodiment of the present invention, the management module 503 is further configured to receive a transaction request about the first account and/or the second account; 2. Account-related transactions.

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 the subscription transaction item of the first account and/or the second account; push transaction information related to the subscription transaction item to the corresponding of said first account and/or said second account.

According to an account management device according to an embodiment of the present invention, it can be seen that, first, a first account corresponding to the first user is created according to the account opening request of the first user. If the second user is associated with the first user, the second account corresponding to the second user is automatically created, and the association relationship between the first account and the second account is constructed, and then according to the association relationship, the first account and the second account are created. to manage. Thus, it is possible to create an account online according to the user's information, without requiring the user to open an account at an offline counter, thereby improving the efficiency of account creation and improving the user experience. Moreover, the unified management of the associated accounts is beneficial to the management of multiple accounts and improves the management efficiency of the accounts.

FIG. 6 shows an exemplary system architecture 600 of an account management method or an account management apparatus to which an embodiment of the present invention can be applied.

As shown in FIG. 6 , the system architecture 600 may include terminal devices 601 , 602 , and 603 , a network 604 and a server 605 . The network 604 is a medium used to provide a communication link between the terminal devices 601 , 602 , 603 and the server 605 . Network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user can use the terminal devices 601, 602, 603 to interact with the server 605 through the network 604 to receive or send messages and the like. Various communication client applications may be installed on the terminal devices 601 , 602 and 603 , such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, and the like.

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 computers, desktop computers, and the like.

The server 605 may be a server that provides various services, for example, a background management server that provides support for shopping websites browsed by the terminal devices 601 , 602 , and 603 . The background management server can analyze and process the received product information query request and other data, and feed back the processing results (eg, target push information, product information) to the terminal device.

It should be noted that the account management method provided by the embodiment of the present invention is generally executed by the server 605 , and accordingly, the account management device is generally set in the server 605 .

It should be understood that the numbers of terminal devices, networks and servers in FIG. 6 are merely illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.

Referring next to FIG. 7 , it shows a schematic structural diagram of a computer system 700 suitable for implementing a terminal device according to an embodiment of the present invention. The terminal device shown in FIG. 7 is only an example, and should not impose any limitations on the functions and scope of use of the embodiments of the present invention.

As shown in FIG. 7, a computer system 700 includes a central processing unit (CPU) 701 which can be loaded into a random access memory (RAM) 703 according to a program stored in a read only memory (ROM) 702 or a program from a storage section 708 Instead, various appropriate actions and processes are performed. 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 through 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 section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc. ; and a communication section 709 including a network interface card such as a LAN card, a modem, and 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, etc., is mounted on the drive 710 as needed so that a computer program read therefrom is installed into the storage section 708 as needed.

In particular, the processes described above with reference to the flowcharts may be implemented as computer software programs according to embodiments of the present disclosure. For example, embodiments disclosed herein include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the method illustrated in the flowchart. In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 709 and/or installed from the removable medium 711 . When the computer program is executed by the central processing unit (CPU) 701, the above-described functions defined in the system of the present invention are executed.

It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the above two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples of computer readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), fiber optics, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing. In the present invention, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device . Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, wireless, wireline, optical fiber 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 that contains one or more logical functions for implementing the specified functions executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the blocks 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 is also noted that each block of the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations, can be implemented in special purpose hardware-based systems that perform the specified functions or operations, or can be implemented using A combination of dedicated hardware and computer instructions is implemented.

The modules involved in the embodiments of the present invention may be implemented in a software manner, and may also be implemented in a hardware manner. The described modules can also be provided in the processor, for example, it can be described as: a processor includes a first account creation module, a second account creation module and a management module. Wherein, the names of these modules do not constitute a limitation of the module itself under certain circumstances, for example, the management module may also be described as "a module for managing the first account and the second account".

As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist alone without being assembled into the device. The above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by a device, the device includes: acquiring a first account opening request, the first account opening request indicating the first user's information; according to the first account opening request, create a first account corresponding to the first user; obtain a second account opening request, the second account opening request indicates the information of the second user; information and the information of the first user, when it is determined that the first user and the second user are associated, a second account corresponding to the second account opening request is created, and the second account is constructed with The association relationship of the first account; according to the association relationship, the first account and the second account are managed.

According to the technical solution of the embodiment of the present invention, first, a first account corresponding to the first user is created according to the account opening request of the first user, and after obtaining the second account opening request of the second user, if the second user and the first user are determined If the user is associated, a second account corresponding to the second user is automatically created, an 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. Thus, it is possible to create an account online according to the user's information, without requiring the user to open an account at an offline counter, thereby improving the efficiency of account creation and improving the user experience. Moreover, the unified management of the associated accounts is beneficial to the management of multiple accounts and improves the management efficiency of the accounts.

The above-mentioned specific embodiments do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (10)

1. A method for account management, comprising: obtaining a first account opening request, where the first account opening request indicates the information of the first user; creating a first account corresponding to the first user according to the first account opening request; obtaining a second account opening request, where the second account opening request indicates the information of the second user; When it is determined that the first user and the second user are associated according to the information of the second user and the information of the first user, create a second account corresponding to the second account opening request, and constructing an association relationship between the second account and the first account; According to the association relationship, the first account and the second account are managed. 2. The method of claim 1, further comprising: creating an account management tree corresponding to the first account, where the first account corresponds to a node in the account management tree; When it is determined that the first user and the second user are associated, according to the association relationship, the second account is added to the account management tree as a new node; According to the account management tree, the first account and the second account are managed. 3. The method of claim 2, wherein The first account is the main account, and the first account is the 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, wherein 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, it is determined 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 the second account; A transaction associated with the first account and/or the second account is effected 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: According to the association relationship, transaction information related to the first account and/or the second account is recorded. 7. The method of claim 5, further comprising: determining a subscription transaction item for the first account and/or the second account; The transaction information related to the subscription transaction item is pushed to the corresponding first account and/or the second account. 8. An account management device, comprising: a first account creation module, a second account creation module and a management module; wherein, The first account creation module is configured to obtain a first account opening request, where the first account opening request indicates the information of the first user; according to the first account opening request, create a first account opening request corresponding to the first user. an account; The second account creation module is configured to obtain a second account opening request, where the second account opening request indicates the information of the second user; when according to the information of the second user and the information of the first user, When it is determined that the first user and the second user are associated, a second account corresponding to the second account opening request is created, and an association relationship between the second account and the first account is constructed; The management module is configured to manage the first account and the second account according to the association relationship. 9. An electronic device for account management, comprising: one or more processors; storage means for storing one or more programs, The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7. 10. A computer-readable medium on which a computer program is stored, characterized in that, when the program is executed by a processor, the method according to any one of claims 1-7 is implemented.

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