CN111881329A - Account balance management method and system - Google Patents

Account balance management method and system Download PDF

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Publication number
CN111881329A
CN111881329A CN202010656975.5A CN202010656975A CN111881329A CN 111881329 A CN111881329 A CN 111881329A CN 202010656975 A CN202010656975 A CN 202010656975A CN 111881329 A CN111881329 A CN 111881329A
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account
balance
bank
information
user
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CN202010656975.5A
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Chinese (zh)
Inventor
王笑楠
张力
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China Construction Bank Corp
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China Construction Bank Corp
CCB Finetech Co Ltd
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Priority to CN202010656975.5A priority Critical patent/CN111881329A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90Details of database functions independent of the retrieved data types
    • G06F16/903Querying
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90Details of database functions independent of the retrieved data types
    • G06F16/901Indexing; Data structures therefor; Storage structures
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102Bill distribution or payments
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

Abstract

The invention discloses an account balance management method and system, and relates to the technical field of computers. One embodiment of the method comprises: acquiring account information provided by a user, wherein the account information indicates one or more bank accounts and account types; acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type; and summarizing balance information corresponding to the bank accounts to an account balance table of the user so as to display the balance information of one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user. The method and the device can simultaneously display the balance information corresponding to one or more accounts owned by the user for the user based on the one-time balance inquiry request of the user, and improve the efficiency of balance inquiry.

Description

Account balance management method and system
Technical Field
The invention relates to the technical field of computers, in particular to an account balance management method and system.
Background
With the development of economic globalization, more and more users open multiple accounts at the same time in different overseas banks or domestic banks, and in order to ensure the normal operation of transactions such as transfer, payment and remittance, the users often need to inquire the balance of one or more accounts. However, currently, a user can only query account balance in an (online) bank to which the account belongs, and only balance corresponding to one account can be obtained through one query operation, but account balances of the user in all banks cannot be obtained simultaneously, so that the operation is complicated, and the efficiency is low.
Disclosure of Invention
In view of this, embodiments of the present invention provide an account balance management method and system, which can simultaneously display, for a user, balance information corresponding to one or more account numbers owned by the user based on a primary balance query request of the user.
In order to achieve the above object, according to a first aspect of the embodiments of the present invention, there is provided an account balance management method applied to a banking system, including:
acquiring account information provided by a user, wherein the account information indicates one or more bank accounts and account types;
acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type;
and summarizing balance information corresponding to the bank accounts to an account balance table of the user so as to display the balance information of one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user.
Optionally, the account type is any one or more of the following: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account.
Optionally, the obtaining, according to the account type, balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type includes:
under the condition that the account number type is an overseas other bank account number, sending a second balance inquiry request to an overseas bank to which the bank account number belongs through an SWIFT system so as to receive a message returned by the SWIFT system according to the second balance inquiry request; and analyzing the message to acquire balance information corresponding to the account.
Optionally, the obtaining, according to the account type, balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type further includes:
and under the condition that the account number type is an overseas home bank account number, routing a second balance inquiry request to an overseas server corresponding to the overseas bank through an domestic server of the bank system according to an overseas bank identifier to which the bank account number belongs so as to receive balance information returned by the overseas server according to the second balance inquiry request, wherein the second balance inquiry request indicates the overseas bank identifier.
Optionally, the obtaining, according to the account type, balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type further includes:
and under the condition that the account type is a domestic other bank account, sending a second balance inquiry request to a domestic bank to which the bank account belongs through the user so as to receive balance information returned by the domestic bank according to the second balance inquiry request.
Optionally, the obtaining, according to the account type, balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type further includes:
and sending a second balance inquiry request to an domestic bank to which the bank account belongs to receive balance information returned by the domestic bank according to the second balance inquiry request under the condition that the account type is a domestic home bank account.
Optionally, the message is in MT940 format.
Optionally, in a case that the first account balance query request only indicates any one bank account in the account information, the balance information of all bank accounts in the account balance table is presented to the user.
Optionally, when the account balance query request further indicates an account type, displaying balance information of a bank account corresponding to the account type in the account balance table to the user.
In order to achieve the above object, according to a second aspect of the embodiments of the present invention, there is provided an account balance management method applied to a client, including:
sending a balance inquiry request to a bank system, wherein the balance inquiry request indicates any bank account number in account information provided by a user in advance;
and receiving balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
Optionally, in a case that the balance inquiry request only indicates the bank account, balance information of all bank accounts in the account information returned by the bank system is received.
Optionally, when the balance inquiry request further indicates an account type of the bank account, the balance information of the bank account corresponding to the account type in the account information returned by the bank system is received.
Optionally, the account type includes one or more of the following: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account.
To achieve the above object, according to a third aspect of the embodiments of the present invention, there is provided a banking system for account balance management, including: the account information display system comprises an account information acquisition module, a balance information acquisition module and a balance information display module; wherein the content of the first and second substances,
the account information acquisition module is used for acquiring account information provided by a user, wherein the account information indicates one or more bank account numbers and account number types;
the balance information acquisition module is used for acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type;
the balance information display module is used for summarizing balance information corresponding to the bank accounts to an account balance table of the user, so that the balance information of one or more bank accounts is displayed to the user according to the account balance table under the condition that a first balance inquiry request sent by the user is received.
To achieve the above object, according to a fourth aspect of the embodiments of the present invention, there is provided a client for account balance management, including: a balance inquiry module and a balance information receiving module; wherein the content of the first and second substances,
the balance inquiry module is used for sending a balance inquiry request to a bank system, wherein the balance inquiry request indicates any bank account number in account information provided by a user in advance;
the balance information receiving module is used for receiving balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
To achieve the above object, according to a fifth aspect of the embodiments of the present invention, there is provided an account balance management system including: a bank system and a client; wherein the content of the first and second substances,
the bank system is used for acquiring account information provided by a client user, wherein the account information indicates one or more bank accounts and account types, acquiring balance information corresponding to the bank accounts according to the account types by using a balance inquiry mode corresponding to the account types, summarizing the balance information corresponding to the bank accounts to an account balance table of the user, and displaying the balance information of the one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user through the client;
the client is used for the user to send a first balance inquiry request to the bank system, wherein the first balance inquiry request indicates any account number in account information provided by the client user in advance.
To achieve the above object, according to a sixth aspect of the embodiments of the present invention, there is provided an electronic device for account balance management, including:
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 of the account balance management methods described above.
To achieve the above object, according to a seventh aspect of the embodiments of the present invention, there is provided a computer-readable medium on which a computer program is stored, the program, when executed by a processor, implementing any one of the account balance management methods described above.
One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of obtaining account information provided by a user, obtaining balance information corresponding to a bank account by using a balance inquiry mode corresponding to the account type, summarizing the balance information corresponding to the bank account to an account balance table of the user, and displaying the balance information of one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user. Based on the method, the balance information corresponding to one or more accounts owned by the user can be displayed for the user at the same time aiming at the balance inquiry request of the user once, and the user does not need to inquire in the bank of the accounts for many times, so that the method is convenient and fast.
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 a main flow of an account balance management method applied to a banking system according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a main flow of an account balance management method applied to a client according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of the major modules of a banking system for account balance management, according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of the major modules of a client for account balance management, according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of the major modules of an account balance management system 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.
Fig. 1 is a schematic diagram of a main flow of an account balance management method applied to a banking system for information push according to an embodiment of the present invention, and as shown in fig. 1, the account balance management method may specifically include the following steps:
step S101, account information provided by a user is obtained, and the account information indicates one or more bank accounts and account types.
The bank account may be a current account or a periodic account. The account number type is any one or more of the following types: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account. Specifically, taking domestic bank a as an example for explanation, if the bank to which the bank account belongs is domestic bank a, the account type corresponding to the bank account is domestic bank account; if the bank to which the bank account belongs is an oversea bank A, the account type corresponding to the bank account is an oversea home bank account; if the bank to which the bank account belongs is other domestic banks such as domestic bank B and domestic bank C, the account type corresponding to the bank account is a domestic other bank account; if the bank to which the bank account belongs is an oversea bank D, the account type corresponding to the bank account is an oversea other bank account.
Step S102, according to the account number type, using a balance inquiry mode corresponding to the account number type to acquire balance information corresponding to the bank account number. Wherein, the balance information includes but is not limited to balance, balance date, etc.
Specifically, the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type includes: under the condition that the account number type is an overseas other bank account number, sending a second balance inquiry request to an overseas bank to which the bank account number belongs through an SWIFT system so as to receive a message returned by the SWIFT system according to the second balance inquiry request; and analyzing the message to acquire balance information corresponding to the account.
The SWIFT system refers to a system for settlement of most banks around the world provided by SWIFT (Society for world wide Interbank financial telecommunications association), and the system uses messages with unified standard format, such as MT900, MT910, MT940, MT942, MT950, etc. In this embodiment, the balance information including the overseas other line account is acquired by adopting the MT940 format message in a manner of receiving by the guest. That is, when the user opens the balance inquiry service in the other overseas bank, the user can authorize the bank system agent to receive the MT940 message containing the balance information sent by the other overseas bank through the SWIFT system, so that the efficiency of balance inquiry is improved.
On this basis, the acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type further includes: and under the condition that the account number type is an overseas home bank account number, routing a second balance inquiry request to an overseas server corresponding to the overseas bank through an domestic server of the bank system according to an overseas bank identifier to which the bank account number belongs so as to receive balance information returned by the overseas server according to the second balance inquiry request, wherein the second balance inquiry request indicates the overseas bank identifier. Specifically, when receiving the second balance inquiry request, the server corresponding to the overseas bank may directly inquire the balance information corresponding to the bank account number from the overseas bank, and then return the balance information to the domestic server.
Further, the acquiring balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type further includes: and under the condition that the account type is a domestic other bank account, sending a second balance inquiry request to a domestic bank to which the bank account belongs through the user so as to receive balance information returned by the cross-bank transaction system according to the second balance inquiry request. That is to say, under the condition of user authorization, a balance inquiry request can be directly sent to the domestic bank through the user client so as to acquire balance information returned by the domestic bank.
Further, the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type further includes:
and sending a second balance inquiry request to an domestic bank to which the bank account belongs to receive balance information returned by the domestic bank according to the second balance inquiry request under the condition that the account type is a domestic home bank account.
Step S103, summarizing balance information corresponding to the bank account to an account balance table of the user, so as to display balance information of one or more bank accounts to the user according to the account balance table when receiving a first balance query request sent by the user.
Specifically, the account balance table of the user shown in table 1 is taken as an example, and the account balance table records balance information corresponding to account 1, account 2, account 3, account 4, account 5, and account 6 provided by the user, including balance, balance date, and the like. The account 1 is a domestic home bank account, the account 2 is an overseas home bank account, the accounts 3 and 4 are domestic other bank accounts, and the accounts 5 and 6 are overseas other bank accounts. It can be understood that besides balance information such as balance, balance date and the like, information of a bank, a current account and a regular account to which an account belongs can be recorded according to actual requirements.
TABLE 1 Account balance Table example
Figure BDA0002577102430000091
Specifically, in the actual execution process, the bank system may select to obtain the balance information of each bank account in the account information in real time according to the actual requirement to update the account balance table, or may obtain the balance information of each bank account in the account information at irregular time or periodically (for example, every 2 hours, every day, and the like), so as to display the balance information to the user when the user performs balance inquiry, and the display mode includes, but is not limited to, characters, pictures, tables, and the like. On the basis, historical balance information of the bank account can be counted and analyzed to generate information such as a balance information change trend chart and the like, and the information is displayed to a user.
In an optional embodiment, in a case that the first account balance query request only indicates any one bank account in the account information, the balance information of all bank accounts in the account balance table is presented to the user.
That is, the user may obtain the balance information of all account numbers in the account information according to any account number in the account information provided to the bank in advance. Therefore, the efficiency of inquiring the balance of a plurality of accounts by the user is greatly improved. It can be understood that the information that needs to be given when the user queries the account balance may be set according to actual requirements, for example, any one account number in the account information may be used, any two account numbers therein may be used, or only the domestic account number therein may be used.
In an optional implementation manner, when the account balance query request further indicates an account type, the bank account information corresponding to the account type in the account balance table is displayed to the user. Therefore, in the actual execution process, the balance information corresponding to one or more accounts in the account information table can be selectively displayed to the user according to the actual requirements of the user or the bank. In addition, balance information corresponding to the account can be displayed to the user according to the bank to which the account belongs, the number of the accounts and the like.
Based on the above embodiment, account information provided by a user is acquired, balance information corresponding to a bank account is acquired in a balance inquiry manner corresponding to the account type, the balance information corresponding to the bank account is summarized to an account balance table of the user, and balance information of one or more bank accounts is displayed to the user according to the account balance table under the condition that a first balance inquiry request sent by the user is received. Based on the method, the balance information corresponding to one or more accounts owned by the user can be displayed for the user at the same time aiming at the balance inquiry request of the user once, and the user does not need to inquire in the bank of the accounts for many times, so that the method is convenient and fast.
Referring to fig. 2, on the basis of the foregoing embodiment, an embodiment of the present invention provides an account balance management method applied to a client, where the method may specifically include the following steps:
step S201, a balance inquiry request is sent to a bank system, wherein the balance inquiry request indicates any bank account number in account information provided by a user in advance.
It can be understood that, before sending a balance inquiry request to a bank, a user may first send account information such as one or more bank accounts and account types to a bank system according to actual needs of the user, so that the bank system obtains the balance information of the accounts in a corresponding manner according to the account types in the account information provided by the user, so as to display the balance information of the one or more accounts in the account information to the user when the user inquires the balance of the account.
Wherein the account type comprises one or more of the following: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account. Specifically, when the account type is an overseas other bank account, a second balance query request is sent to an overseas bank to which the bank account belongs through an SWIFT system, so as to receive a message returned by the SWIFT system according to the second balance query request; and analyzing the message to acquire balance information corresponding to the account. And under the condition that the account number type is an overseas home bank account number, routing a second balance inquiry request to an overseas server corresponding to the overseas bank through an domestic server of the bank system according to an overseas bank identifier to which the bank account number belongs so as to receive balance information returned by the overseas server according to the second balance inquiry request, wherein the second balance inquiry request indicates the overseas bank identifier. That is, in the case that the bank account is an overseas bank account, the balance information of the account may be directly queried based on a cross-border transaction system in which an overseas bank to which the bank account belongs participates. And under the condition that the account type is a domestic other bank account, sending a second balance inquiry request to a domestic bank to which the bank account belongs through the user so as to receive balance information returned by the domestic bank according to the second balance inquiry request. And sending a second balance inquiry request to an domestic bank to which the bank account belongs to receive balance information returned by the domestic bank according to the second balance inquiry request under the condition that the account type is a domestic home bank account.
Step S202, receiving balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
In an optional embodiment, in a case that the balance inquiry request only indicates the bank account, balance information of all bank accounts in the account information returned by the bank system is received. That is, the user may obtain the balance information of all account numbers in the account information according to any account number in the account information provided to the bank in advance. Therefore, the efficiency of inquiring the balance of a plurality of accounts by the user is greatly improved. It can be understood that the information that needs to be given when the user queries the account balance may be set according to actual requirements, for example, any one account number in the account information may be used, any two account numbers therein may be used, or only the domestic account number therein may be used.
In an optional implementation manner, in a case that the balance inquiry request further indicates an account type of the bank account, balance information of the bank account corresponding to the account type in the account information returned by the bank system is received. Therefore, in the actual execution process, the bank system can selectively display the balance information corresponding to one or more accounts in the account information table to the user according to the actual requirements of the user or the bank. In addition, balance information corresponding to the account can be displayed to the user according to the bank to which the account belongs, the number of the account and the like, and the display mode includes, but is not limited to, characters, graphs, tables, animations and the like. Furthermore, a balance change trend chart generated by the bank system performing statistical analysis on the balance information of the bank account number can be obtained.
Based on the embodiment, the user can send the bank account number, the account type and other modes in the account number information provided in advance to the bank system according to actual requirements, and obtain the balance information of one or more bank account numbers in the account number information at one time, so that the efficiency of balance information query is greatly improved.
Referring to fig. 3, on the basis of the above embodiment, an embodiment of the present invention provides a banking system 300 for account balance management, including: an account information acquisition module 301, a balance information acquisition module 302 and a balance information display module 303; wherein the content of the first and second substances,
the account information obtaining module 301 is configured to obtain account information provided by a user, where the account information indicates one or more bank accounts and account types;
the balance information obtaining module 302 is configured to obtain, according to the account type, balance information corresponding to the bank account by using a balance query mode corresponding to the account type;
the balance information display module 303 is configured to summarize balance information corresponding to the bank account to an account balance table of the user, so that the balance information of one or more bank accounts is displayed to the user according to the account balance table when a first balance query request sent by the user is received.
Referring to fig. 4, on the basis of the above embodiment, an embodiment of the present invention provides a client 400 for account balance management, including: a balance inquiry module 401 and a balance information receiving module 402; wherein the content of the first and second substances,
the balance inquiry module 401 is configured to send a balance inquiry request to a bank system, where the balance inquiry request indicates any bank account in account information provided by a user in advance;
the balance information receiving module 402 is configured to receive balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
Referring to fig. 5, on the basis of the above embodiment, an embodiment of the present invention provides an account balance management system 500, including: banking system 300, client 400; wherein the content of the first and second substances,
the banking system 300 is configured to acquire account information provided by a client user, where the account information indicates one or more bank accounts and account types, acquire balance information corresponding to the bank accounts according to the account types in a balance query manner corresponding to the account types, and summarize the balance information corresponding to the bank accounts to an account balance table of the user, so that, when a first balance query request sent by the user through the client is received, the balance information of the one or more bank accounts is displayed to the user according to the account balance table;
the client 400 is configured to enable the user to send a first balance query request to the bank system, where the first balance query request indicates any account in account information provided by the client user in advance.
FIG. 6 illustrates an exemplary system architecture 600 in which the account balance management method or account balance management system of embodiments of the 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 client applications, such as palm banking APP, internet bank, etc., may be installed on the terminal devices 601, 602, 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 providing various bank account balance inquiry services, for example, responding to a balance inquiry request sent by a user using the terminal device 601, 602, 603, that is, returning balance information of one or more bank accounts to the terminal device.
It should be noted that the account balance management method applied to the banking system provided by the embodiment of the present invention is generally executed by the server 605, and accordingly, the banking system for account balance management is constructed based on 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 comprises an account information acquisition module, a balance information acquisition module and a balance information display module. The names of these modules do not in some cases constitute a limitation on the modules themselves, and for example, the account information acquisition module may also be described as a "module for acquiring account information".
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 account information provided by a user, wherein the account information indicates one or more bank accounts and account types; acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type; and summarizing balance information corresponding to the bank accounts to an account balance table of the user so as to display the balance information of one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user.
According to the technical scheme of the embodiment of the invention, account information provided by a user is acquired, balance information corresponding to a bank account is acquired by using a balance inquiry mode corresponding to the account type, the balance information corresponding to the bank account is summarized to an account balance table of the user, and balance information of one or more bank accounts is displayed to the user according to the account balance table under the condition that a first balance inquiry request sent by the user is received. Based on the method, the balance information corresponding to one or more accounts owned by the user can be displayed for the user at the same time aiming at the balance inquiry request of the user once, and the user does not need to inquire in the bank of the accounts for many times, so that the method is convenient and fast.
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 (18)

1. An account balance management method is applied to a bank system and comprises the following steps:
acquiring account information provided by a user, wherein the account information indicates one or more bank accounts and account types;
acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type;
and summarizing balance information corresponding to the bank accounts to an account balance table of the user so as to display the balance information of one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user.
2. The account balance management method according to claim 1,
the account number type is any one or more of the following types: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account.
3. The account balance management method according to claim 2, wherein the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type includes:
under the condition that the account number type is an overseas other bank account number, sending a second balance inquiry request to an overseas bank to which the bank account number belongs through an SWIFT system so as to receive a message returned by the SWIFT system according to the second balance inquiry request; and analyzing the message to acquire balance information corresponding to the account.
4. The account balance management method according to claim 3, wherein the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type further comprises:
and under the condition that the account number type is an overseas home bank account number, routing a second balance inquiry request to an overseas server corresponding to the overseas bank through an domestic server of the bank system according to an overseas bank identifier to which the bank account number belongs so as to receive balance information returned by the overseas server according to the second balance inquiry request, wherein the second balance inquiry request indicates the overseas bank identifier.
5. The account balance management method according to claim 3, wherein the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type further comprises:
and under the condition that the account type is a domestic other bank account, sending a second balance inquiry request to a domestic bank to which the bank account belongs through the user so as to receive balance information returned by the domestic bank according to the second balance inquiry request.
6. The account balance management method according to claim 3, wherein the obtaining balance information corresponding to the bank account by using a balance inquiry method corresponding to the account type according to the account type further comprises:
and sending a second balance inquiry request to an domestic bank to which the bank account belongs to receive balance information returned by the domestic bank according to the second balance inquiry request under the condition that the account type is a domestic home bank account.
7. The account balance management method according to claim 3,
the message adopts MT940 format.
8. The account balance management method according to claim 1,
and displaying the balance information of all the bank accounts in the account balance table to the user under the condition that the first account balance inquiry request only indicates any one bank account in the account information.
9. The account balance management method according to claim 8,
and under the condition that the account balance inquiry request also indicates the account type, displaying balance information of a bank account corresponding to the account type in the account balance table to the user.
10. An account balance management method is applied to a client and comprises the following steps:
sending a balance inquiry request to a bank system, wherein the balance inquiry request indicates any bank account number in account information provided by a user in advance;
and receiving balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
11. The account balance management method according to claim 10,
and receiving balance information of all bank accounts in the account information returned by the bank system under the condition that the balance inquiry request only indicates the bank account.
12. The account balance management method according to claim 11,
and receiving balance information of the bank account corresponding to the account type in the account information returned by the bank system under the condition that the balance inquiry request also indicates the account type of the bank account.
13. The account balance management method according to claim 12,
the account types include one or more of the following: domestic home bank account, overseas home bank account, domestic other bank account, and overseas other bank account.
14. A banking system for account balance management, comprising: the account information display system comprises an account information acquisition module, a balance information acquisition module and a balance information display module; wherein the content of the first and second substances,
the account information acquisition module is used for acquiring account information provided by a user, wherein the account information indicates one or more bank account numbers and account number types;
the balance information acquisition module is used for acquiring balance information corresponding to the bank account by using a balance inquiry mode corresponding to the account type according to the account type;
the balance information display module is used for summarizing balance information corresponding to the bank accounts to an account balance table of the user, so that the balance information of one or more bank accounts is displayed to the user according to the account balance table under the condition that a first balance inquiry request sent by the user is received.
15. A client for account balance management, comprising: a balance inquiry module and a balance information receiving module; wherein the content of the first and second substances,
the balance inquiry module is used for sending a balance inquiry request to a bank system, wherein the balance inquiry request indicates any bank account number in account information provided by a user in advance;
the balance information receiving module is used for receiving balance information of one or more bank accounts in the account information returned by the bank system according to the balance inquiry request.
16. An account balance management system, comprising: a bank system and a client; wherein the content of the first and second substances,
the bank system is used for acquiring account information provided by a client user, wherein the account information indicates one or more bank accounts and account types, acquiring balance information corresponding to the bank accounts according to the account types by using a balance inquiry mode corresponding to the account types, summarizing the balance information corresponding to the bank accounts to an account balance table of the user, and displaying the balance information of the one or more bank accounts to the user according to the account balance table under the condition of receiving a first balance inquiry request sent by the user through the client;
the client is used for the user to send a first balance inquiry request to the bank system, wherein the first balance inquiry request indicates any account number in account information provided by the client user in advance.
17. An electronic device for account balance 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 1-9.
18. 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 1-9.
CN202010656975.5A 2020-07-09 2020-07-09 Account balance management method and system Pending CN111881329A (en)

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CN113190592A (en) * 2021-04-26 2021-07-30 北京京东振世信息技术有限公司 Data processing method and device
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