CN112950365A

CN112950365A - Method and device for supplementing money between accounts

Info

Publication number: CN112950365A
Application number: CN202110352547.8A
Authority: CN
Inventors: 韩颖伟; 江志辉; 武想益; 陈瑾妮; 张笑盈; 杨毅; 赵敬茹; 胡森栋; 邹均胜
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-03-31
Filing date: 2021-03-31
Publication date: 2021-06-11

Abstract

The invention discloses a method and a device for supplementing money between accounts, and relates to the technical field of automatic program design. One embodiment of the method comprises: establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information; determining a compensation account and a deduction sequence among the compensation accounts from the sub-accounts according to the signed compensation information and the structure relationship; and receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out deduction operation from the compensation account according to a deduction sequence. According to the embodiment, the account system is established, all accounts under the name of the customer are integrated, so that the customer can master own assets in real time, the make-up account and the deduction sequence are flexibly configured in a signing mode, when the balance of the current account is insufficient, the make-up account can be used for automatic make-up, and the customer requirements are met.

Description

Method and device for supplementing money between accounts

Technical Field

The invention relates to the technical field of automatic program design, in particular to a method and a device for supplementing money between accounts.

Background

The customer may establish a variety of accounts at the bank, including current accounts, periodic accounts, private accounts, and the like. Due to the low interest rate of bank demand deposits, customers will typically choose to purchase financial products with a relatively high interest rate of funds that will not be used for the time being. But because the financial products have a term, expected interest cannot be obtained if the money is not paid due. The customer is inevitable to encounter the situation of urgently using funds, so if the automatic fund replenishment among the accounts can be realized, the customer can be helped to solve the problem that the funds among the accounts cannot be shared.

Existing modes of replenishment only allow one type of account to be replenished, such as if a dedicated account is used for replenishment, periodic account replenishment cannot be used. Meanwhile, accounts under the name of the client exist independently, funds of each account are not related, and operations such as inquiry and the like need to be carried out on a specified interface.

In the process of implementing the invention, the prior art at least has the following problems:

the mode of the replenishment is single and inflexible, and the personalized replenishment can not be carried out according to the requirements of customers; each account exists independently, so that a customer cannot conveniently manage all accounts under the name, and the fund can not be separated and classified.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for making up a fund between accounts, where the method integrates all accounts under a customer name by establishing an account system, so that a customer can master own assets in real time, and flexibly configures a fund making account and a fund deduction sequence in a subscription manner, and when a balance of a current account is insufficient, the fund making account can be used for making up the fund automatically, thereby meeting customer requirements.

To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of making a fund between accounts.

The method for supplementing money between accounts in the embodiment of the invention comprises the following steps: establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information; determining a compensation account and a deduction sequence among the compensation accounts from the sub-accounts according to the signed compensation information and the structural relationship; and receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out deduction operation from the reimbursement account according to the deduction sequence.

Optionally, the establishing an account system includes: receiving an account system establishment request; the account system establishing request comprises main account information; determining that the main account has the authority to establish the sub-account according to the configured signing rule and the main account information; according to a set account architecture, establishing the sub-account under the main account to obtain a structural relationship between the main account and the sub-account; adding a pre-established fund information table under the sub-account; the fund information table is used for recording account fund information of the main account and account fund information of the sub-accounts.

Optionally, the subscription rule includes a subscription parameter name and a subscription parameter value; the determining that the main account has the authority to establish the sub-account according to the configured subscription rule and the main account information includes: determining an actual parameter value corresponding to the signing parameter name according to the primary account information; and if the actual parameter value is determined to be consistent with the signing parameter value, the main account has the authority of establishing the sub-account.

Optionally, after the step of establishing the sub-account under the primary account, the method further includes: determining a main contract corresponding to the main account and a sub contract corresponding to the sub account; and establishing an association relationship between the main contract and the sub-contracts.

Optionally, after the step of receiving the account system establishment request, the method further includes: adding a signing mark for the main account; the establishing the sub-account under the main account comprises: and determining that the signing mark exists in the main account, and establishing the sub-account under the main account.

Optionally, the fund information table includes a fund table and a detail table, wherein the fund table is used for recording the current amount of the sub-account and the summarized amount of the main account; the list is used for recording balance change lists of the sub-accounts and summary lists of the main accounts.

Optionally, the reimbursement information includes a sub-account for the reimbursement, and a priority of the sub-account; determining a reimbursement account from the sub-accounts according to the subscription reimbursement information and the structural relationship, wherein the deduction sequence between the reimbursement accounts comprises: inquiring the sub-accounts under the main account according to the structural relationship to construct a sub-account set; receiving a selection of a sub-account from the set of sub-accounts, and a priority between sub-accounts; and taking the selected sub-accounts as the compensation accounts, and generating a deduction sequence among the compensation accounts according to the priority.

Optionally, the payment request includes a payment amount; the determining that the balance of the current account is insufficient according to the account fund information comprises the following steps: determining an available balance of a current account according to account fund information of the current account; and comparing the available balance of the current account with the size of the payment amount, and determining that the available balance of the current account is smaller than the payment amount.

Optionally, the deducting operation from the reimbursement account in the deducting order includes: sequentially deducting available balances from the reimbursement account according to the deduction sequence; wherein the sum of the available balances that are deducted is equal to the payment amount specified in the payment request; and updating the fund information table.

Optionally, the method further comprises: establishing a compensation signing record table; the fund supplementing and signing record table is used for recording the deduction sequence; before the step of sequentially deducting available balances from the reimbursement account according to the deduction sequence, the method further includes: and determining that the deduction sequence corresponding to the current account exists in the compensation signing record table.

Optionally, the method further comprises: determining that the deduction sequence corresponding to the current account does not exist in the reimbursement signing record table, and acquiring the available balance of the main account of the current account; and determining that the available balance of the main account is larger than the payment amount, and deducting money from the main account according to the payment amount.

Optionally, before the step of sequentially deducting available balances from the reimbursement account in the deduction order, the method further includes: inquiring the fund information table to obtain the summarized available balance of the main account of the current account; determining that the aggregate available balance is greater than or equal to the payment amount.

Optionally, the method further comprises: and if the summarized available balance is determined to be less than the payment amount, sending deduction failure information.

To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an apparatus for inter-account compensation.

The device for supplementing money between accounts of the embodiment of the invention comprises: the establishing module is used for establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information; the determining module is used for determining the reimbursement accounts and the deduction sequence among the reimbursement accounts according to the signed reimbursement information and the structural relationship; and the fund supplementing module is used for receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out the money deduction operation from the fund supplementing account according to the money deduction sequence.

Optionally, the establishing module is further configured to receive an account system establishing request; the account system establishing request comprises main account information; determining that the main account has the authority to establish the sub-account according to the configured signing rule and the main account information; according to a set account architecture, establishing the sub-account under the main account to obtain a structural relationship between the main account and the sub-account; adding a pre-established fund information table under the sub-account; the fund information table is used for recording account fund information of the main account and account fund information of the sub-accounts.

Optionally, the subscription rule includes a subscription parameter name and a subscription parameter value; the establishing module is further used for determining an actual parameter value corresponding to the signing parameter name according to the primary account information; and determining that the actual parameter value is consistent with the signing parameter value, and the main account has the authority of establishing the sub-account.

Optionally, the apparatus further comprises: the contract processing module is used for determining a main contract corresponding to the main account and a sub-contract corresponding to the sub-account; and establishing an association between the main contract and the sub-contracts.

Optionally, the apparatus further comprises: the marking module is used for adding a signing mark for the main account; the establishing module is further configured to determine that the subscription mark exists in the main account, and establish the sub-account under the main account.

Optionally, the reimbursement information includes a sub-account for the reimbursement, and a priority of the sub-account; the determining module is further configured to query the sub-accounts under the main account according to the structural relationship, and construct a sub-account set; receiving a selection of a sub-account from the set of sub-accounts, and a priority between sub-accounts; and taking the selected sub-accounts as the compensation accounts, and generating a deduction sequence among the compensation accounts according to the priority.

Optionally, the payment request includes a payment amount; the payment module is also used for determining the available balance of the current account according to the account fund information of the current account; and comparing the available balance of the current account with the size of the payment amount, and determining that the available balance of the current account is less than the payment amount.

Optionally, the reimbursement module is further configured to deduct available balances from the reimbursement account in sequence according to the deduction sequence; wherein the sum of the available balances that are deducted is equal to the payment amount specified in the payment request; and updating the fund information table.

Optionally, the apparatus further comprises: the form establishing module is used for establishing a fund-supplementing signing record form; the fund supplementing and signing record table is used for recording the deduction sequence; and the judging module is used for determining that the deduction sequence corresponding to the current account exists in the reimbursement signing record table.

Optionally, the apparatus further comprises: the main account deduction module is used for determining that the deduction sequence corresponding to the current account does not exist in the reimbursement signing record table and acquiring the available balance of the main account of the current account; and determining that the available balance of the primary account is larger than the payment amount, and deducting money from the primary account according to the payment amount.

Optionally, the apparatus further comprises: the query processing module is used for querying the fund information table and acquiring the summarized available balance of the main account of the current account; and determining that the aggregate available balance is greater than or equal to the payment amount.

Optionally, the apparatus further comprises: and the deduction failure module is used for sending deduction failure information if the summarized available balance is determined to be less than the payment amount.

To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided an electronic apparatus.

An electronic device of an embodiment of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the method for supplementing money between accounts.

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

A computer-readable medium of an embodiment of the present invention has a computer program stored thereon, which when executed by a processor implements a method of inter-account compensation of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: the method has the advantages that all accounts under the name of the customer are integrated by establishing an account system, so that the customer can master own assets in real time, the money supplementing account and the money deduction sequence are flexibly configured in a signing mode, when the balance of the current account is insufficient, the money supplementing account can be used for automatic money supplementing, and customer requirements are met.

By configuring the signing rule, when an account system establishing request is received, a main account with establishing authority can be screened out, and meanwhile, a structural relationship and a fund information table are established for the screened-out main account according to an account system structure, so that a client can uniformly manage own account and master the fund flow direction in real time. According to the service requirements, the signing rule is parameterized into a signing parameter name and a signing parameter value, so that whether the account has the authority of establishing an account system or not can be determined by comparing the difference between the actual parameter value corresponding to the signing parameter name and the signing parameter value, and the mutual exclusion of the replenishment is avoided.

By establishing the association relationship between the main contract and the sub-contract, the function of the contracted transfer can be realized between the accounts with the association relationship. By adding the signing mark under the main account, the fund information table can be synchronously inserted when the sub-account is subsequently established. The fund flow and detail flow linkage between the accounts is realized through the fund table and the detail table, so that the client can clearly master the fund conditions of all accounts under the name.

By means of signing, a client can select a benefit account and the priority of the benefit by himself, flexible configuration of the benefit account and the deduction sequence is achieved, and the benefit requirement is customized in a personalized mode. When the balance of the current account is insufficient, the automatic fund replenishing is performed by linking the fund replenishing account, so that the operation flow and interest loss of a client are reduced. The chargeback order of the chargeback account is recorded by establishing the chargeback signing record table, so that automatic chargeback can be realized by inquiring the chargeback signing record table during subsequent chargeback.

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

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the main steps of a method of inter-account replenishment according to an embodiment of the invention;

FIG. 2 is a schematic diagram of a main flow of establishing an account hierarchy according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of an account architecture of an embodiment of the present invention;

FIG. 4 is a schematic diagram of a main flow of determining a refund account and a deduction sequence according to an embodiment of the present invention;

FIG. 5 is a schematic flow chart of an automatic fund-making process according to an embodiment of the present invention;

FIG. 6 is a schematic diagram of the main modules of an inter-account reimbursement apparatus according to an embodiment of the present invention;

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

FIG. 8 is a schematic diagram of a computer apparatus suitable for use in an electronic device to implement 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.

As described in the background art, the existing replenishment mode is single, and personalized replenishment cannot be performed according to the requirements of customers; meanwhile, because the account exists independently, convenient management cannot be realized, and funds cannot be separated and classified. For example, for a family customer group, separate classification management of personal funds and family funds cannot be realized. When the personal fund is insufficient, the automatic fund compensation can not be carried out by using the family fund; similarly, when the household funds are insufficient, the user cannot make up money in conjunction with the personal account of the family member.

Aiming at the problems, the invention provides a method for supplementing money among accounts, which can flexibly configure a money supplementing account and a money deduction sequence and automatically realize personalized combined money supplementing. The following detailed description is made with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of the main steps of a method of inter-account replenishment according to an embodiment of the present invention. As shown in fig. 1, the method for making up funds between accounts according to the embodiment of the present invention mainly includes the following steps:

step S101: establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information.

A live account, a periodic account, a dedicated account, etc. may be opened under the name of the customer's debit card. The current account refers to a basic account; the regular account is generated after a client buys a regular account, and each regular account is generated; the private account is used to deposit a special-purpose fund account. In order to establish a connection between accounts, a customer is required to sign up to establish an account system. The top layer of the account system is a main account, various sub-accounts are distributed under the main account, and the fund of the upper-layer main account is changed synchronously when the fund of the lower-layer sub-accounts changes.

In the embodiment, a subscription rule of an account system is configured in advance according to business requirements, and the subscription rule is used for judging whether a main account of a client applying for establishing the account system has the authority of establishing a sub-account. Upon determining that the primary account has the right to establish the sub-account, the customer is allowed to establish an account hierarchy.

The implementation process of the step is as follows: after receiving an account system establishment request from a client, determining that a main account has the authority of establishing a sub-account according to main account information and a configured signing rule carried in the account system establishment request; then, according to a set account system structure, establishing a sub-account under the main account to obtain a structural relationship between the main account and the sub-account; and finally, adding a pre-established fund information table under the sub-account, wherein the table is used for recording account fund information of the main account and the sub-account.

Step S102: and determining a compensation account and a deduction sequence among the compensation accounts from the sub-accounts according to the signed compensation information and the structural relationship. After the account system is established, the customer can select the sub-accounts for the compensation by himself based on the structural relationship, and the priority of the sub-accounts is set.

And after receiving the sub-account selected by the customer and the priority of the sub-account, taking the sub-account selected by the customer as a compensation account, and setting the deduction sequence of the compensation account according to the priority of the sub-account. The higher the priority sub-account, the higher its rank in the deduction order. For example, if the selected sub-accounts are sub-account 1, sub-account 2, and sub-account 3, and the priority is sub-account 2> sub-account 1> sub-account 3, then the make-up account is sub-account 1, sub-account 2, and sub-account 3, and the deduction order is sub-account 2, sub-account 1, and sub-account 3.

Step S103: and receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out deduction operation from the reimbursement account according to the deduction sequence. And triggering to generate a payment request when the user carries out financial scenes such as transfer, consumption and the like. The payment request includes a payment account (i.e., the current account), a collection account, and a payment amount.

And checking whether the available balance of the current account is more than or equal to the payment amount or not based on account fund information in the account system, indicating that the balance of the current account is insufficient under the condition that the available balance of the current account is less than the payment amount, and automatically deducting from the reimbursement account according to a deduction sequence.

Fig. 2 is a schematic diagram of a main flow of establishing an account hierarchy according to an embodiment of the present invention. As shown in fig. 2, the implementation process of establishing an account system (i.e., step S101) in the embodiment of the present invention mainly includes the following steps:

step S201: and configuring a subscription rule. And determining a signing rule of the account system based on the business requirement. Specifically, based on the service requirement, the parameter index is abstracted, and the subscription rule can be controlled by maintaining the parameter index. For example, if only one type of card is allowed to sign up for an account system, the parameter index abstracted out is the type of the settlement account.

In an embodiment, the subscription rules include subscription parameter names and subscription parameter values. The name of the contract parameter is, for example, the type of the settlement account, the sales organization, the channel opening, etc. The signing parameter value is the value corresponding to the signing parameter name, for example, the type of the settlement account is a family, the sales organization is Shanghai, and the opened channel is a mobile phone bank.

Step S202: and establishing an account structure relation table and a fund information table. The account structure relationship table and the fund information table established here are tables without specific information, and the information is filled after the customer signs the account system. The account structure relationship table is used for recording the structure relationship between the main account and each sub account. The fund information table is used for recording account fund information of the main account and account fund information of the sub-accounts, and comprises a fund table and a detail table.

The fund table is used for recording the current amount of each sub-account, including available balance, account balance, frozen amount and the like, and the summarized amount of the main account, including summarized available balance, summarized account balance, summarized frozen amount and the like. The list is used for recording balance change lists of each sub-account and summary lists of the main accounts.

The aggregate available balance refers to the sum of the available balances of all sub-accounts and the primary account. The aggregated account balance refers to the sum of the account balances of all the sub-account main accounts. The total frozen amount refers to the sum of the frozen amounts of all the sub-accounts and the main account. The summary details are the balance change details of all the sub-accounts and the balance change details of the main account.

Step S203: an account hierarchy establishment request is received. The customer signs a contract with the bank (i.e. sign-in agreement), agrees to open an account system with a certain account under the name as a main account. At this point, an account system establishment request is generated, which includes the customer's primary account information. The primary account may be a debit card, a passbook, or the like.

In a preferred embodiment, after the customer signs up, a sign-up mark is added to the primary account, so that when the customer subsequently opens another account, the relationship with the primary account is recorded.

Step S204: and determining that the main account has the authority for establishing the sub-account according to the signing rule and the main account information carried by the account system establishing request. The method comprises the following steps of determining an actual parameter value corresponding to a signing parameter name according to main account information; then comparing whether the actual parameter value is completely consistent with the signing parameter value, if so, indicating that the main account has the authority of establishing the sub-account; otherwise, the main account does not have the authority of establishing the sub-account.

Assume the subscription rules are: the settlement account type is one family, the sales organization is Shanghai bank, and the opened channel is a mobile phone bank. The customer a who applies for the establishment of the account system, whose debit card account information (i.e., primary account) indicates: the card is a type II card, is sold by Shanghai and applied by a mobile phone bank. It can be known that the actual parameter value is { class II card, Shanghai bank, mobile banking }, and is not consistent with the signing parameter value { class I card, Shanghai bank, mobile banking }, so that the client A does not have the authority to establish the sub-account.

For another example, customer B applying for the establishment of an account system has debit-card account information indicating: the card is a type of card sold by Shanghai and applied for by a mobile banking. The actual parameter values are { class I card, Shanghai bank, mobile banking }, and are completely consistent with the signing parameter values, so that the client B has the authority to establish the sub-account.

Step S205: and establishing a sub-account under the main account according to the set account architecture, and filling an account structure relation table and a fund information table.

FIG. 3 is a schematic diagram of an account architecture of an embodiment of the present invention. As shown in fig. 3, each primary account corresponds to its own contract (i.e., a debit card contract in the figure) under which a dedicated account, a regular account, a current account (i.e., a reserve payment), electronic cash, etc. exist.

The account system is established under current accounts, namely sub-accounts (namely a fund pool in the graph) are opened under each current account, each sub-account corresponds to own contract (namely a classification management sub-contract and a classification special sub-contract in the graph), and each contract can distribute media including debit card cards, account book pairs and the like. Each contract may in turn be associated with other contracts and may be used to implement contracted transfers and the like. The right and obligation of the client and the bank are agreed in the contract.

When a customer needs to purchase a regular or special account, the signing mark of the main account is checked, if the main account has the signing mark, a sub-account can be established under the main account according to the account architecture shown in fig. 3, and an account structure relation table and a fund information table are filled in.

In an optional embodiment, after the sub-account is established under the primary account, an association relationship between the primary contract (the contract corresponding to the primary account) and the sub-contract (the contract corresponding to the sub-account) may also be established, so as to implement the function of the contracted transfer according to the association relationship.

Step S206: and adding an account structure relation table and a fund information table under the sub-account. And when the sub-account is established, synchronously inserting the account structure relation table and the fund information table under the sub-account, and finishing the establishment of the account system.

FIG. 4 is a schematic diagram of a main flow of determining a reimbursement account and a deduction sequence according to an embodiment of the present invention. As shown in fig. 4, the implementation process of determining a reimbursement account and a deduction sequence (i.e., step S102) in the embodiment of the present invention mainly includes the following steps:

step S401: and inquiring the sub-accounts under the main account according to the structural relationship, and constructing a sub-account set. And inquiring all the sub-accounts under the main account according to the account structure relation table, and adding the inquired sub-accounts to the sub-account set.

Step S402: a selection of a sub-account from the set of sub-accounts is received, along with a priority between the sub-accounts. Displaying the sub-accounts in the set of sub-accounts on a user interface, waiting for a user to select a sub-account, and setting priorities between the sub-accounts. The priority is used to determine which sub-account to use for making a refund in preference.

Step S403: and taking the selected sub-accounts as the compensation accounts, and generating a deduction sequence among the compensation accounts according to the priority. And when receiving the sub-accounts selected from the sub-account set by the user and the set priorities, taking the selected sub-accounts as the compensation accounts, and setting the deduction sequence of the compensation accounts according to the priorities of the sub-accounts.

In an alternative embodiment, the customer may select the sub-account and set the priority level by signing up. And simultaneously, the client is supported to modify and cancel the subscription. After step S403, a patch contract record table may also be established. The table is used for recording the deduction sequence of the compensation account. And when in subsequent replenishment, the money can be deducted in sequence according to the money deduction sequence.

Fig. 5 is a schematic flow chart of the automatic reimbursement according to the embodiment of the present invention. As shown in fig. 5, the implementation process of automatic reimbursement (i.e., step S103) in the embodiment of the present invention mainly includes the following steps:

step S501: and determining the available balance of the current account according to the account fund information of the current account. This step is used to view the available balance of the current account.

Step S502: judging whether the available balance of the current account is more than or equal to the payment amount, if so, executing a step S503; otherwise, step S504 is executed.

The available balance of the current account is more than or equal to the payment amount, which indicates that the balance is enough to pay for the transaction; if the available balance of the current account is less than the payment amount, the balance is not enough to pay the transaction.

Step S503: and directly deducting money from the available balance of the current account according to the payment amount, and ending the process.

Step S504: judging whether a deduction sequence corresponding to the current account exists in the compensation contract-signing record table or not, and if so, executing the step S505; if the deduction sequence corresponding to the current account does not exist, step S508 is executed. In an embodiment, the benefit contract record table may be queried based on the debit card offer code, the type of benefit (including single account benefit, account system benefit).

Step S505: and inquiring the fund information table to obtain the summarized available balance of the main account of the current account. In an embodiment, the fund table may be queried according to the account number of the primary account to obtain the summarized available balance of the primary account.

Step S506: judging whether the summarized available balance is more than or equal to the payment amount, if the summarized available balance is more than or equal to the payment amount, executing a step S507; otherwise, step S511 is performed.

Step S507: and according to the deduction sequence and the payment amount, sequentially deducting available balance from the reimbursement account, updating the fund table and the detail table, and ending the process. The sum of the available balances that are deducted is equal to the payment amount.

Step S508: and acquiring the available balance of the main account of the current account.

Step S509: judging whether the available balance of the main account is more than or equal to the payment amount, if so, executing the step S510; otherwise, step S511 is performed.

Step S510: and deducting from the available balance of the main account according to the payment amount, and ending the process.

Step S511: and sending information of money deduction failure. The information is used for prompting that the balance of an account which can be used for making up money under the name of the user is insufficient, and the money deduction is failed.

According to the method for supplementing money between accounts, disclosed by the embodiment of the invention, all accounts under the name of the customer are integrated by establishing an account system, so that the customer can master own assets in real time, meanwhile, the money supplementing account and the money deduction sequence are flexibly configured in a signing mode, and when the balance of the current account is insufficient, the money supplementing account can be used for automatically supplementing money, so that the customer requirements are met.

Fig. 6 is a schematic diagram of main blocks of an inter-account reimbursement apparatus according to an embodiment of the present invention. As shown in fig. 6, an apparatus 600 for making a fund between accounts according to an embodiment of the present invention mainly includes:

the establishing module 601 is used for establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information.

The implementation process of the module is as follows: after receiving an account system establishment request from a client, determining that a main account has the authority of establishing a sub-account according to main account information and a configured signing rule carried in the account system establishment request; then, according to a set account system structure, establishing a sub-account under the main account to obtain a structural relationship between the main account and the sub-account; and finally, adding a pre-established fund information table under the sub-account, wherein the table is used for recording account fund information of the main account and the sub-account.

A determining module 602, configured to determine, according to the subscription reimbursement information and the structural relationship, a reimbursement account from the sub-accounts and a deduction sequence between the reimbursement accounts. After the account system is established, the customer can select the sub-accounts for the compensation by himself based on the structural relationship, and the priority of the sub-accounts is set.

And the reimbursement module 603 is configured to receive a payment request, determine that the balance of the current account is insufficient according to the account fund information, and deduct money from the reimbursement account according to the deduction sequence. And triggering to generate a payment request when the user carries out financial scenes such as transfer, consumption and the like. The payment request includes a payment account (i.e., the current account), a collection account, and a payment amount.

In addition, the device 600 for supplementing money between accounts according to the embodiment of the present invention may further include: the system comprises a contract processing module, a marking module, a table establishing module, a judging module, a main account deducting module, a query processing module and a deduction failure module (not shown in figure 6). The contract processing module is used for determining a main contract corresponding to the main account and a sub-contract corresponding to the sub-account; and establishing an association between the main contract and the sub-contracts. And the marking module is used for adding a signing mark for the main account.

The form establishing module is used for establishing a fund-supplementing signing record form; and the compensation signing record table is used for recording the deduction sequence. And the judging module is used for determining that the deduction sequence corresponding to the current account exists in the reimbursement signing record table. The main account deduction module is used for determining that the deduction sequence corresponding to the current account does not exist in the reimbursement signing record table and acquiring the available balance of the main account of the current account; and determining that the available balance of the primary account is larger than the payment amount, and deducting money from the primary account according to the payment amount.

The query processing module is used for querying the fund information table and acquiring the summarized available balance of the main account of the current account; and determining that the aggregate available balance is greater than or equal to the payment amount. And the deduction failure module is used for sending deduction failure information if the summarized available balance is determined to be less than the payment amount.

From the above description, it can be seen that all accounts under the name of the customer are integrated by establishing an account system, so that the customer can master own assets in real time, and meanwhile, the make-up account and the deduction sequence are flexibly configured in a signing mode, so that when the balance of the current account is insufficient, the make-up account can be used for automatic make-up, and the customer requirements are met.

Fig. 7 illustrates an exemplary system architecture 700 of a method of inter-account replenishment or an apparatus of inter-account replenishment to which embodiments of the present invention may be applied.

As shown in fig. 7, the system architecture 700 may include

terminal devices

701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the

terminal devices

701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. Various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like, may be installed on the

terminal devices

701, 702, and 703.

The

terminal devices

701, 702, 703 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 705 may be a server that provides various services, such as a background management server that processes an account system establishment request sent by an administrator using the

terminal apparatuses

701, 702, and 703. The background management server can establish an account system, determine a compensation account and a deduction sequence, perform a deduction operation, and feed back a processing result (such as a deduction result) to the terminal device.

It should be noted that the method for making a fund between accounts provided in the embodiments of the present application is generally executed by the server 705, and accordingly, a device for making a fund between accounts is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The invention also provides an electronic device and a computer readable medium according to the embodiment of the invention.

The electronic device of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the method for supplementing money between accounts.

The computer readable medium of the present invention has stored thereon a computer program which, when executed by a processor, implements a method of inter-account compensation of an embodiment of the present invention.

Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use in implementing an electronic device of an embodiment of the present invention. The electronic device shown in fig. 8 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. 8, the computer system 800 includes a Central Processing Unit (CPU)801 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the computer system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

In particular, the processes described above with respect to the main step diagrams may be implemented as computer software programs, according to embodiments of the present disclosure. 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 containing program code for performing the method illustrated in the main step diagram. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a setup module, a determination module, and a replenishment module. Where the names of these modules do not in some cases constitute a limitation on the module itself, for example, a setup module may also be described as a "module to set up an account hierarchy".

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: establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information; determining a compensation account and a deduction sequence among the compensation accounts from the sub-accounts according to the signed compensation information and the structural relationship; and receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out deduction operation from the reimbursement account according to the deduction sequence.

According to the technical scheme of the embodiment of the invention, all accounts under the name of the customer are integrated by establishing an account system, so that the customer can master own assets in real time, and meanwhile, the money supplementing account and the money deduction sequence are flexibly configured in a signing mode, and when the balance of the current account is insufficient, the money supplementing account can be used for automatic money supplementing, so that the customer requirements are met.

The product can execute the method provided by the embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details that are not described in detail in this embodiment, reference may be made to the method provided by the embodiment of the present invention.

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

1. A method of making a debit in an account, comprising:

establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information;

determining a compensation account and a deduction sequence among the compensation accounts from the sub-accounts according to the signed compensation information and the structural relationship;

and receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out deduction operation from the reimbursement account according to the deduction sequence.

2. The method of claim 1, wherein establishing an account hierarchy comprises:

receiving an account system establishment request; the account system establishing request comprises main account information;

determining that the main account has the authority to establish the sub-account according to the configured signing rule and the main account information;

according to a set account architecture, establishing the sub-account under the main account to obtain a structural relationship between the main account and the sub-account;

adding a pre-established fund information table under the sub-account; the fund information table is used for recording account fund information of the main account and account fund information of the sub-accounts.

3. The method of claim 2, wherein the subscription rules include subscription parameter names and subscription parameter values;

the determining that the main account has the authority to establish the sub-account according to the configured subscription rule and the main account information includes:

determining an actual parameter value corresponding to the signing parameter name according to the primary account information;

and if the actual parameter value is determined to be consistent with the signing parameter value, the main account has the authority of establishing the sub-account.

4. The method of claim 2, wherein after the step of establishing the sub-account under the primary account, the method further comprises:

determining a main contract corresponding to the main account and a sub contract corresponding to the sub account;

and establishing an association relationship between the main contract and the sub-contracts.

5. The method of claim 2, wherein after the step of receiving an account hierarchy setup request, the method further comprises: adding a signing mark for the main account;

the establishing the sub-account under the main account comprises:

and determining that the signing mark exists in the main account, and establishing the sub-account under the main account.

6. The method of claim 2, wherein the fund information table comprises a fund table and a detail table, wherein the fund table is used for recording the current amount of the sub-account and the aggregate amount of the main account; the list is used for recording balance change lists of the sub-accounts and summary lists of the main accounts.

7. The method of claim 1, wherein the reimbursement information includes a sub-account for the reimbursement, and a priority of the sub-account;

determining a reimbursement account from the sub-accounts according to the subscription reimbursement information and the structural relationship, wherein the deduction sequence between the reimbursement accounts comprises:

inquiring the sub-accounts under the main account according to the structural relationship to construct a sub-account set;

receiving a selection of a sub-account from the set of sub-accounts, and a priority between sub-accounts;

and taking the selected sub-accounts as the compensation accounts, and generating a deduction sequence among the compensation accounts according to the priority.

8. The method of any of claims 1 to 7, wherein the payment request includes a payment amount;

the determining that the balance of the current account is insufficient according to the account fund information comprises the following steps:

determining an available balance of a current account according to account fund information of the current account;

and comparing the available balance of the current account with the size of the payment amount, and determining that the available balance of the current account is smaller than the payment amount.

9. The method of claim 2, wherein said debiting from said reimbursement account in said debiting order comprises:

sequentially deducting available balances from the reimbursement account according to the deduction sequence; wherein the sum of the available balances that are deducted is equal to the payment amount specified in the payment request;

and updating the fund information table.

10. The method of claim 9, further comprising:

establishing a compensation signing record table; the fund supplementing and signing record table is used for recording the deduction sequence;

before the step of sequentially deducting available balances from the reimbursement account according to the deduction sequence, the method further includes:

and determining that the deduction sequence corresponding to the current account exists in the compensation signing record table.

11. The method of claim 10, further comprising:

determining that the deduction sequence corresponding to the current account does not exist in the reimbursement signing record table, and acquiring the available balance of the main account of the current account;

and determining that the available balance of the main account is larger than the payment amount, and deducting money from the main account according to the payment amount.

12. The method of claim 9, wherein prior to the step of sequentially deducting available balances from the reimbursement account in the deduction order, the method further comprises:

inquiring the fund information table to obtain the summarized available balance of the main account of the current account;

determining that the aggregate available balance is greater than or equal to the payment amount.

13. The method of claim 12, further comprising:

and if the summarized available balance is determined to be less than the payment amount, sending deduction failure information.

14. An apparatus for making a fund between accounts, comprising:

the establishing module is used for establishing an account system; the account system comprises a main account, a sub-account established under the main account, a structural relationship between the main account and the sub-account, and account fund information;

the determining module is used for determining the reimbursement accounts and the deduction sequence among the reimbursement accounts according to the signed reimbursement information and the structural relationship;

and the fund supplementing module is used for receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and carrying out the money deduction operation from the fund supplementing account according to the money deduction sequence.

15. The apparatus of claim 14, wherein the establishing module is further configured to:

according to a set account architecture, establishing the sub-account under the main account to obtain a structural relationship between the main account and the sub-account; and

16. An electronic device, 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 1-13.

17. 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 1-13.