CN113159755A - Multi-subject account association management method and service platform - Google Patents
Multi-subject account association management method and service platform Download PDFInfo
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Abstract
The invention provides a multi-subject account association management method and a service platform, wherein the multi-subject account association management method is applied to the service platform, and comprises the following steps: receiving a registration application of an account group, and generating the account group based on the registration application of the account group; receiving an account binding application of group members in an account group, and associating the account to which the application is bound with the account group based on the account binding application; and performing account management on the account group based on each group member in the account group and the account bound by each group member. The invention relates to a dynamic account group which is formed by associating multiple persons and multiple accounts of individuals or credible groups based on the existing payment platform and financial institution account system and oriented to the consumption requirements of individual or group multi-account autonomous management and control and cooperative service, and realizes multi-account association and cooperation based on the group environment and independent management and control of the accounts of the individuals.
Description
Technical Field
The invention relates to the technical field of finance, in particular to the technical field of financial accounts, and specifically relates to a multi-subject account association management method and a service platform.
Background
At present, each main person has a plurality of accounts, which are dozens of accounts, in financial institutions such as a payment platform and a bank, and the accounts belong to different operation platforms, so that the payment consumption, the classification bills and the credit points are independent. While many subjects in a relatively robust trusted group, such as a family, may have hundreds of accounts added, any individual payment platform and financial institution currently cannot provide a general bill list for a specific category of life consumption for a group like a family, or provide a credit investigation service for a group of families, etc.
Therefore, the existing personal account is subjected to consumption payment-oriented association management based on a safe and credible technology, so that the management requirement of the global financial account of an individual can be met, and the requirements of account dynamic allocation payment, financial consumption management, credit and credit service and supervision of stable and credible groups such as families, enterprise units and the like can also be met.
Disclosure of Invention
In view of the above drawbacks of the prior art, an object of the present invention is to provide a method and a service platform for managing multi-subject account association, which are used to solve the technical problem that centralized management of multiple individual accounts or multiple-account association management of multiple individuals cannot be performed in the prior art.
In order to achieve the above and other related objects, the present invention provides a method for managing multi-agent account association, which is applied to a service platform and includes: receiving a registration application of an account group, and generating the account group based on the registration application of the account group; receiving an account binding application of group members in an account group, and associating the account to which the application is bound with the account group based on the account binding application; and performing account management on the account group based on each group member in the account group and the account bound by each group member.
In an embodiment of the present invention, receiving an account binding application from a group member in an account group, and associating an account to which binding is applied with the account group based on the account binding application includes: respectively receiving a plurality of account binding applications of the same group member; and associating a plurality of accounts which are applied for binding by the same group member with the account group based on the account binding applications.
In an embodiment of the present invention, receiving an account binding application from a group member in an account group, and associating an account to which binding is applied with the account group based on the account binding application includes: respectively receiving account binding applications of different group members, wherein each group member corresponds to one or more account binding applications; and respectively associating the corresponding accounts which are applied for binding by different group members with the account group based on the account binding applications.
In an embodiment of the present invention, one account of one group member is associated with one or more account groups; when one account of one group member is correspondingly associated with a plurality of account groups, each account group shares the consumption information of the account or only obtains the consumption information of the account in each account group.
In an embodiment of the present invention, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: account allocation management; the account allocation management includes: configuring individual payment codes of all group members in an account group, payment accounts associated with the individual payment codes and account allocation strategies, and configuring group payment codes and group payment strategies corresponding to the group payment codes; upon receiving the payment request, a payment code type is determined based on the payment request and a corresponding payment is performed.
In an embodiment of the present invention, the account allocation policy includes: dynamically allocating or selecting one account payment or a plurality of account cooperative payments from payment accounts associated with the personal payment code; the group payment policy comprises: and dynamically selecting one account from the account group to carry out corresponding payment or selecting a plurality of accounts from the account group to carry out cooperative payment in proportion.
In an embodiment of the present invention, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: managing group bills; the group bill management comprises: when a group bill query request is received, acquiring all consumption records of each account corresponding to each group member in the account group, and generating a group bill based on all the consumption records and a first preset classification rule; and when the personal bill query request is received, acquiring consumption records of all accounts associated with the corresponding group member, and generating the personal bill based on the consumption records of all accounts associated with the group member and a second preset classification rule.
In an embodiment of the present invention, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: group credit management; the group credit management comprises: acquiring all consumption records of each account corresponding to each group member in the account group; and acquiring group credit based on the consumption records of the accounts and a preset financial credit model.
In an embodiment of the present invention, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: collaborative payment management; the collaborative payment management comprises: when a cooperative payment request from an individual payment code, a group payment code or a first payment account is received, selecting a second payment account from an account group to carry out corresponding payment based on the cooperative payment request so as to realize transfer payment between two accounts in the account group; and when a cooperative order payment request is received, selecting a plurality of corresponding payment accounts from the account group to carry out corresponding payment based on the cooperative order payment request.
To achieve the above object, the present invention also provides a service platform, comprising a memory for storing a computer program; a processor for running the computer program to implement the management method of multi-principal account association as described above.
As described above, the management method and the service platform for multi-principal account association according to the present invention have the following advantages:
1. on the basis of the existing payment platforms and financial institution account systems, the invention relates multiple accounts of an individual or a trusted group into a dynamic account group based on a trusted group technology and an asynchronous instant message mechanism and oriented to the consumption requirements of individual or group multi-account autonomous management and control and collaborative service, and respectively and independently controls the account of the individual based on the group environment and simultaneously realizes multi-account associative collaboration.
2. The invention can help an individual to effectively control all financial accounts, can help a family group to uniformly manage financial consumption behaviors in a classified manner, realizes scene-based financial sharing and cooperation among multiple people, and assists in intelligent family life. And the method can also be used for supply chain finance, is convenient for the safe cooperation and settlement reconciliation service of the fund accounts of supply chain enterprises, reduces the artificial cost and interference, and improves the overall operation efficiency of the fund.
3. The invention does not influence the existing account payment service, integrates the account consumption data and behaviors of each large payment platform by establishing the trusted account group docking, and can also provide a convenient and fast aggregated payment docking channel for each payment platform and financial institution.
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FIG. 1 is a flow chart illustrating a method for managing multi-subject account associations according to the present invention;
FIG. 2 is a schematic diagram illustrating the relationship between group accounts and individual accounts in the multi-subject account association management method according to the present invention;
FIG. 3 is a schematic view illustrating a process of payment for consumption by a user in the multi-subject account association management method of the present invention;
fig. 4 is a schematic structural diagram of a service platform according to an embodiment of the invention.
Fig. 5 is a schematic diagram showing a framework principle of a management method for implementing multi-subject account association for the service platform of the present invention.
Fig. 6 is a schematic diagram illustrating an implementation principle of a management method for implementing multi-agent account association for the service platform of the present invention.
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and therefore, the drawings only show the components related to the present invention rather than the number, shape and size of the components in actual implementation, and the type, amount and ratio of the components in actual implementation may be changed arbitrarily, and the layout of the components may be complicated.
The multi-subject account association management method and the service platform provided by the embodiment are used for solving the technical problem that multiple accounts of multiple persons cannot be managed in a centralized manner or multiple accounts of multiple persons cannot be managed in an associated manner in the prior art.
The principle and implementation of the management method and the service platform for multi-principal account association of the present embodiment will be described in detail below, so that those skilled in the art can understand the management method and the service platform for multi-principal account association of the present embodiment without creative work.
The embodiment provides a management method for multi-subject account association, which is applied to a service platform, wherein the service platform displays a plurality of Graphical User Interfaces (GUIs) to a user terminal, and displays functions formed by the management method for multi-subject account association through the GUIs, and the GUI can be called a user service GUI.
In one embodiment, the user terminal may be, for example, a fixed terminal, such as a server, a desktop, or the like; or a mobile terminal, such as a notebook computer, a smart phone, or a tablet computer.
In an embodiment, the user terminal may be a display of a management method for implementing multi-principal account association in an offline or online state.
In an example, the user terminal may not access the internet, and is installed with a user side APP, the user may log in the user side APP through pre-registered account information, the user side APP may authenticate itself, and after the authentication passes, data related to the account information for implementing a management method associated with a multi-principal-body account is provided; if the data of the management method associated with the multi-subject account is updated, the user can update according to an offline data packet provided by the service platform, and the transmission mode of the offline data packet comprises the following steps: providing online downloading of the offline data packet, so that the user updates the offline system after downloading the offline data packet through a terminal capable of accessing the Internet; or, the user sends the data packet with the offline data packet to the user for updating, such as a U disk or a mobile hard disk.
The exemplary scenario is tailored to some users who are unable to surf the internet because of data security needs.
In another example, the user terminal may access the internet, so as to access a remote service platform, so that the service platform authenticates the account information currently logged in by the user terminal, and after the authentication is passed, corresponding data is provided, where the corresponding data includes the data for implementing the management method for multi-agent account association.
Optionally, the user terminal and the service platform may implement data communication through a C/S architecture, that is, the user terminal installs user side software, the service platform installs service side software, the user side software of the user terminal may generate a Graphical User Interface (GUI), and the service side software provides the user side software with data for implementing a management method for multi-agent account association, so that the user terminal processes and displays the data on the graphical user interface.
Preferably, the user terminal and the service platform can implement data communication through a B/S architecture, that is, the user terminal is provided with a Browser (Browser) for displaying the graphical interface of the user service; the service platform is provided with service end software, and the service platform provides data for displaying the graphical user service interface for the user terminal and also provides data for realizing the management method for associating the multi-subject account, which is displayed on the graphical user interface, for the user end software.
Based on the B/S architecture, the hardware and software requirements on the user terminal of the user can be greatly reduced, the user terminal of the user does not need to install user side software, and only needs to be provided with a web browser, so that the user experience of the user can be greatly improved.
It should be noted that the displayed graphical user interface may also be different for different types of user terminals.
Specifically, in some embodiments, for the user terminal to be a PC terminal, the user terminal may browse a web page through a loaded browser (including but not limited to browsers of IE, google, 360, QQ, dog search, hundredth, standing swim, UC, fox, cheetah, 2345, punish, and the like), and access a specific web page provided by the service platform by accessing a predetermined URL using the web page as an interface, display a graphical interface of the user service in the specific web page, and provide data for implementing a management method of multi-subject account association to the user through the graphical user interface.
In still other embodiments, for the user terminal to be a mobile terminal (e.g., a smart phone or a tablet computer), the user terminal may access a graphical user interface for implementing a management method for multi-agent account association through a web page or an applet in integrated platform software such as WeChat and Paibao, or a standalone mobile phone APP.
For example, an interface for entering a graphical user interface for implementing the management method for associating the multi-subject accounts is provided in the wechat public number, a registered user may add the wechat public number by scanning a two-dimensional code or searching the wechat public number, and then operate (e.g., click) a preset menu in the wechat public number to enter the graphical user interface for implementing the management method for associating the multi-subject accounts, which is more concise than an interface at a PC end.
As shown in fig. 1, in this embodiment, the method for managing multi-principal account association includes the following steps:
step S100, receiving a registration application of an account group, and generating the account group based on the registration application of the account group.
An individual user can register in an interface provided by the service platform to acquire a unique individual account number, such as a mobile phone number. Multiple associated account groups may be registered or joined within the registered personal account number.
In this embodiment, the account group is a minimum management unit for multiple associated accounts of multiple persons, which is constructed in the associated account management platform system based on an account system of an existing payment platform or financial institution platform. Within the account group, the account set can be uniformly booked, assessed, consumed and paid cooperatively, etc. in the group unit.
For example, an individual user registers and applies for an account number in a service platform, the account number is used for the user to log in the service platform, after the user logs in the service platform, a related family group is registered and applied to the service platform, when the service platform receives a registration application, corresponding verification and verification are carried out, an account group is correspondingly generated after the verification, the account group has a unique group number, and a security service protocol and standard are signed, wherein the security service protocol and the standard include but are not limited to account authentication security, information security, payment security and the like.
Other users may join or be invited to join the account group on their own initiative. For example, members already within an account group send a group invitation to other users, who join the account group based on the received group invitation. For another example, the other user searches the account group based on the group number of the account group, and joins the account group by sending a join request to the account group.
Step S200, receiving an account binding application of group members in an account group, and associating the account applied for binding with the account group based on the account binding application.
In this embodiment, after each group member logs in the service platform through the login account, the account groups in the login account can be directly displayed and viewed, and each account group can be accessed.
As shown in fig. 2, the user associates one or more personal accounts of the user with the account group, where the personal accounts refer to real-name authenticated account numbers of existing payment platforms or financial institutions, and include a payroll account, a wechat payment account, a bank funding account, and the like.
Specifically, in this embodiment, receiving an account binding application from a group member in an account group, and associating an account to which binding is applied with the account group based on the account binding application includes:
1) respectively receiving a plurality of account binding applications of the same group member;
2) and associating a plurality of accounts which are applied for binding by the same group member with the account group based on the account binding applications.
At this time, the account group refers to a management unit of a plurality of financial transaction account sets of one person associated with each other. Based on the trusted security technology and the instant messaging technology, one person with multiple accounts is associated into a trusted group, the group has a unique group code, and the associated accounts are managed in a unified manner. Therefore, in the management method for multi-subject account association of the embodiment, a single user can establish an account group for a single person, and global unified consumption information management and dynamic allocation of payment accounts based on policies for all financial accounts of the user are realized.
In addition, a plurality of users can realize unified account management based on one account group.
Specifically, in this embodiment, receiving an account binding application from a group member in an account group, and associating an account to which binding is applied with the account group based on the account binding application includes:
1) respectively receiving account binding applications of different group members, wherein each group member corresponds to one or more account binding applications;
2) and associating the corresponding accounts which are applied for binding by different group members with the account group respectively based on the account binding applications.
At this time, the account group refers to a management unit of a plurality of financial transaction account sets of associated multiple persons. Based on the trusted security technology and the instant messaging technology, multiple persons and multiple accounts are associated into a trusted group, the group has a unique group code, and the associated accounts are managed in a unified manner. Within the account group, each group member (account main body) independently controls the account, and meanwhile, the cooperation of the account in the group environment is realized based on the strategy and the rule.
In addition, in this embodiment, one account of one group member may be associated with one or more account groups, that is, each user may be associated with and participate in a plurality of account groups, any one account (of a payment platform or a financial institution) of each user may also be bound to a plurality of different account groups, and each account group implements an independent unified management policy.
When one account of one group member is correspondingly associated with a plurality of account groups, each account group shares the consumption information of the account or only acquires the consumption information of the account in each account group.
That is, when the same payment platform/financial institution account is associated and bound to a plurality of associated account groups, each group may share the uniform consumption information of the account, or may only acquire the consumption information individually attached with the account group label. For example, a person binds the same individual financial account to two independent account groups, and each account group records information such as the number of the corresponding account group based on consumption information of different group environments, so as to distinguish different account groups, otherwise, each account group can obtain the information or cannot obtain the information, and is determined by an interface policy.
Step S300, account management is carried out on the account group based on each group member in the account group and the account bound by each group member.
In this embodiment, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: and (4) account allocation management.
Specifically, in this embodiment, the account allocation management includes: configuring individual payment codes of all group members in an account group, payment accounts associated with the individual payment codes and account allocation strategies, and configuring group payment codes and group payment strategies corresponding to the group payment codes; upon receiving the payment request, a payment code type is determined based on the payment request and a corresponding payment is performed.
In this embodiment, the account allocation policy includes, but is not limited to: and dynamically allocating or selecting the appointed account payment or the multiple account cooperative payments from the payment account associated with the personal payment code. That is, when the personal payment code is associated with only one account, payment is made through the associated account; when the personal payment code is associated with a plurality of personal accounts, and the personal payment code is presented, the account allocation policy of the embodiment is as follows: the user can also actively select one or more accounts for cooperative payment when one account or a plurality of accounts are dynamically allocated for cooperative payment (for example, the amount is large, and a single account is not enough for payment).
The group payment policy includes, but is not limited to: and dynamically selecting one account from the account group to carry out corresponding payment or selecting a plurality of accounts from the account group to carry out cooperative payment in proportion. If the account allocated by the account group fails to pay, the account group may dynamically allocate other accounts again to continue to pay based on the account allocation policy until all associated accounts fail or (relevant subjects) reject payment.
As shown in fig. 3, a schematic flow chart of payment for consumption by the user in this embodiment is shown. As shown in fig. 3, in this embodiment, when the group members in the account group consume, the payment code of the self-associated account in the group may be directly presented for direct payment, or the group code may also be directly presented, for example, the user presents the group code through the user terminal, the merchant scans the code, then the merchant platform sends an account allocation request, that is, a payment request, to the service platform in this embodiment, the service platform account group dynamically allocates one account payment or pays in proportion for a plurality of (human) accounts based on a payment policy, and attaches the group code information to the consumption request record, and returns the consumption request record to the merchant platform. The merchant platform interacts with the payment platform based on the payment account, signs the consumption order, the payment platform executes corresponding payment operation, feeds back the payment result to the merchant platform and the service platform, feeds back the payment result to the user terminal if the payment is successful, and continuously requests the service platform to distribute other accounts for payment if the payment is failed.
In this embodiment, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: and managing the group bills.
Specifically, in this embodiment, the group bill management includes:
in this embodiment, the account group unified bill query may be performed, and account information services of various views with the account group as a unit are provided. Specifically, when a group bill query request is received, all consumption records of each account corresponding to each group member in the account group are obtained, and a group bill is generated based on all consumption records and a first preset classification rule.
For example, in this embodiment, the associated accounts in the account group are collected and managed according to a specific classification subject of the account group. For example, for catering consumption subjects, catering consumption expenditures paid by all accounts are sequentially presented according to time sequence, rather than being classified according to a single account like the existing payment platform.
In addition, in this embodiment, the user account in the group may be individually controlled, and the information of the account in the group, such as the bill, credit, order, etc., may be checked. Specifically, when a personal bill query request is received, consumption records of all accounts associated with the corresponding group member are obtained, and a personal bill is generated based on the consumption records of all accounts associated with the group member and a second preset classification rule.
In this embodiment, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: and managing group credit.
Specifically, in this embodiment, the group credit management includes: acquiring all consumption records of each account corresponding to each group member in the account group; and acquiring the group credit based on the consumption record of each account and a preset financial credit model.
That is, in the present embodiment, group credit data services, such as establishing and calculating family financial credits, enterprise financial credits, etc., are obtained based on consumption behavior data associated with all accounts within the account group (and of the docked payment platform/financial institution), in combination with defining and calculating group credits based on a financial credit model, based on intelligent analysis of group consumption behavior information.
In this embodiment, the performing account management on the account group based on each group member in the account group and the account bound by each group member includes: and (4) coordinating payment management.
Specifically, in this embodiment, the cooperative payment management includes: when a cooperative payment request from an individual payment code, a group payment code or a first payment account is received, selecting a second payment account from an account group for corresponding payment based on the cooperative payment request so as to realize transfer payment between two accounts in the account group; and when a cooperative order payment request is received, selecting a plurality of corresponding payment accounts from the account group to carry out corresponding payment based on the cooperative order payment request.
In other words, in this embodiment, the instant cooperative payment based on the security protocol between the accounts in the group can be realized through the cooperative payment, which includes transfer payment between two accounts and cooperative payment of the same order from multiple accounts. The payment platform or the financial institution and the e-commerce platform realize payment transfer to the group account on the service platform in the embodiment.
As can be seen from the above, the account group in this embodiment does not have a financial transaction account number, but individual accounts independent of each other may be associated and coordinated by instant messaging. Through account group, can dynamic allocation payment account number, unified electronic account keeping according to consumption catalogue classification, go out unified integration bill management to all associated account numbers promptly, establish to account number group holistic financial credit model and data analysis, can also cooperate consumption payment from consumption function end simultaneously, include: order transfer payment and dynamic multi-account participation cooperative payment.
Therefore, by the management method for multi-subject account association of the embodiment, each user can bind a specific bank account or a third-party payment platform account of the user to an account group, and directly and uniformly manage the bound one-person multi-account or multiple-person multi-account through the account group, including account allocation, classified bills, credit service and collaborative payment settlement.
In addition, as shown in fig. 4, the present embodiment further provides a service platform 100, which includes a memory 102 for storing a computer program; a processor 101 for running the computer program to implement the management method of multi-principal account association as described above.
The memory 102 is connected to the processor 101 through a device bus and performs communication with each other, the memory 102 is used for storing a computer program, and the processor 101 is used for running the computer program, so that the service platform 100 executes the management method associated with the multi-body account. The management method of the multi-subject account association has been described above, and will not be described in detail here.
It should be noted that the device bus mentioned above may be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus. The device bus may be divided into an address bus, a data bus, a control bus, and the like. For ease of illustration, only one thick line is shown in FIG. 4, but this does not indicate only one bus or one type of bus. The communication interface is used for realizing communication between the database access device and other equipment (such as a client, a read-write library and a read-only library). The Memory 102 may include a Random Access Memory (RAM) and may further include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory.
The Processor 101 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component.
As shown in fig. 5, the service platform includes one server or a cloud-computing server cluster formed by a plurality of servers. The service platform is a system service carrier of the account group, and is in butt joint service with each payment platform and each financial institution through a system security service interface and a protocol, so that butt joint and mutual access of consumption information data of the associated single account are realized. That is to say, the service platform is a carrier platform for carrying financial information services of an account group, and includes account group management, data inter-access service interfacing with financial institution platforms such as a payment platform and a bank, content service platform interfacing with e-commerce and the like, and providing APP/applet and the like for a user terminal.
Therefore, the service platform provided by the embodiment is a platform established on each large payment platform and financial institution, does not affect the existing account payment service, integrates the account consumption data and behaviors of each large payment platform by establishing the trusted account group for docking, and can provide a convenient aggregated payment docking channel for each payment platform and financial institution.
Fig. 6 is a schematic diagram illustrating an implementation principle of a management method for implementing multi-agent account association for the service platform of the present invention. The following describes a management method for multi-agent account association in this embodiment with reference to fig. 6 and an application scenario example.
Description of application scenarios: one three-family, two couples plus one minor. To realize the whole family financial account association management, a clear family account book is established for the small family, and the family fund optimized consumption and configuration are assisted. In this application scenario, the implementation process of the management method for multi-principal account association of this embodiment is as follows:
one) account group construction and individual person account binding
1) Each person downloads APP of a management method provided by a service platform and used for realizing multi-subject account association in the smart phone;
2) each person registers and logs in a personal account, for example, through a personal mobile phone number;
3) after a couple or wife logs in, an account group is registered and applied in the APP, a unique group number is automatically generated in the APP, and a security service agreement and a standard are signed.
4) After logging in the APP, other people can actively join or be invited to join the account group. After logging in the APP, each person can directly display and see the account groups where the person joins, and can enter each account group.
5) Each person can bind his own payment account, wechat payment account, bank's fund account, etc. to the account group.
Two) account management is performed on the account group based on accounts bound by each person in the account group.
Namely, the account group directly and uniformly manages the bound multi-user multi-account, including account allocation, classified bills, credit service and collaborative payment settlement.
1) Account allocation management: any person of a couple or a minor child can directly show the personal account in the group during consumption, directly pay, or show the personal payment code of the person, dynamically allocate or select one related account of the appointed person to pay or cooperatively pay by a plurality of related accounts; and a group code can also be presented to realize order receiving payment consumption, and the account group dynamically allocates payment account numbers based on a payment strategy: for example, dynamically selecting an account in an account group for payment, or selecting a plurality of accounts to cooperatively pay the consumption platform in proportion. This process can be interactively confirmed by the account owner in real time.
Wherein, the payment policy includes but is not limited to whether there is a principal account; an account available amount; whether cooperative payment is allowed or not, and cooperative payment rules; frequency of account usage; an account payment channel; whether there is a preference, etc.
2) And managing the group bills.
2-1) individually controlling each person account in the account group, and each person in the account group can check information such as account group bill, credit, order and the like.
2-2) group unified bill inquiry, and provides bill information service with various views taking account groups as units. And collecting the associated accounts in the account group, and uniformly performing accounting management according to a certain specific classification subject of the account group. For example, for catering consumption subjects, catering consumption expenditures paid by all accounts are presented in sequence according to time sequence, rather than being classified according to a single account like the existing payment platform.
Table 1 is an example of the main information of a group bill, sorted by consumption type:
TABLE 1
Three members are respectively represented by A, B and C, and A is associated with two accounts: 6222000011113333 and WeChat Payment 13822229999; b, associating an account: pay for 13911118888; c is that the minor has no account, and after the group code is presented, the account of A is dynamically allocated for payment 13822229999.
3) And managing group credit.
Group credit data services such as establishing and calculating family financial credits, enterprise financial credits, etc. are obtained based on consumption behavior data associated with all accounts within the account group (and of the docked payment platform/financial institution), in combination with defining and calculating group credits based on a financial credit model, based on intelligent analysis of group consumption behavior information.
4) Collaborative payment management
When a payment request initiated by an underage child (presenting an individual payment code or a group payment code) is received, one payment account of a father or mother is selected from the account group to carry out corresponding payment based on the payment request, so that the payment for surrogates or transfers among users or accounts in the account group is realized.
Therefore, the management method for multi-subject account association can help family groups to manage financial consumption behaviors in a unified and classified mode, support rational consumption and optimize consumption based on intelligent data service, improve family shared resource and fund use efficiency, and better meet the requirement of real-time analysis and treatment of financial behavior data taking families as units.
In summary, on the basis of the existing payment platforms and financial institution account systems, the invention associates multiple persons and multiple accounts of individuals or trusted groups into dynamic account groups based on a trusted group technology and an asynchronous instant message mechanism and oriented to consumption requirements of individual or group multi-account autonomous management and collaborative services, and respectively and independently manages and controls the accounts of the individuals based on group environments, and simultaneously realizes multi-account association and collaboration; the invention can help an individual to effectively control all financial accounts, can help a family group to uniformly manage financial consumption behaviors in a classified manner, realizes scene-based financial sharing and cooperation among multiple people, and assists in intelligent family life. Similarly, the method can also be used for supply chain finance, is convenient for the safe cooperation and settlement reconciliation service of the capital accounts of supply chain enterprises, reduces the artificial cost and interference, and improves the overall operation efficiency of the capital; the invention does not influence the existing account payment service, integrates the account consumption data and behaviors of each large payment platform by establishing the trusted account group docking, and can also provide a convenient and fast aggregated payment docking channel for each payment platform and financial institution. Therefore, the invention effectively overcomes the defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which may be accomplished by those skilled in the art without departing from the spirit and scope of the present invention as set forth in the appended claims.
Claims (10)
1. A management method for multi-subject account association is applied to a service platform and is characterized in that: the method comprises the following steps:
receiving a registration application of an account group, and generating the account group based on the registration application of the account group;
receiving an account binding application of group members in an account group, and associating the account to which the application is bound with the account group based on the account binding application;
and performing account management on the account group based on each group member in the account group and the account bound by each group member.
2. The method of claim 1, wherein the method comprises: receiving an account binding application of group members in an account group, and associating the account to which the application is bound with the account group based on the account binding application comprises:
respectively receiving a plurality of account binding applications of the same group member;
and respectively associating a plurality of accounts which are applied for binding by the same group member with the account group based on the account binding applications.
3. The method of claim 1, wherein the method comprises: receiving an account binding application of group members in an account group, and associating the account to which the application is bound with the account group based on the account binding application comprises:
respectively receiving account binding applications of different group members, wherein each group member corresponds to one or more account binding applications;
and respectively associating the corresponding accounts which are applied for binding by different group members with the account group based on the account binding applications.
4. A method of managing multi-principal account associations according to any one of claims 1 to 3, wherein: one account of one group member is correspondingly associated with one or more account groups;
when one account of one group member is correspondingly associated with a plurality of account groups, each account group shares the consumption information of the account or only acquires the consumption information of the account in each account group.
5. The method of claim 1, wherein the method comprises: the account management of the account group based on each group member in the account group and the account bound by each group member comprises: account allocation management; the account allocation management includes:
configuring individual payment codes of all group members in an account group, payment accounts associated with the individual payment codes and account allocation strategies, and configuring group payment codes and group payment strategies corresponding to the group payment codes;
upon receiving the payment request, a payment code type is determined based on the payment request and a corresponding payment is performed.
6. The method of claim 5, wherein: the account allocation policy includes: dynamically allocating or selecting one account payment or a plurality of account cooperative payments from payment accounts associated with the personal payment code; the group payment policy comprises: and dynamically selecting one account from the account group to carry out corresponding payment or selecting a plurality of accounts from the account group to carry out cooperative payment in proportion.
7. The method of claim 1, wherein the method comprises: the account management of the account group based on each group member in the account group and the account bound by each group member comprises: managing group bills; the group bill management comprises:
when a group bill query request is received, acquiring all consumption records of each account corresponding to each group member in the account group, and generating a group bill based on all the consumption records and a first preset classification rule;
and when the personal bill query request is received, acquiring consumption records of all accounts associated with the corresponding group member, and generating the personal bill based on the consumption records of all accounts associated with the group member and a second preset classification rule.
8. The method of claim 1, wherein the method comprises: the account management of the account group based on each group member in the account group and the account bound by each group member comprises: group credit management; the group credit management comprises:
acquiring all consumption records of each account corresponding to each group member in the account group;
and acquiring the group credit based on the consumption record of each account and a preset financial credit model.
9. The method of claim 1, 5 or 7, wherein: the account management of the account group based on each group member in the account group and the account bound by each group member comprises: collaborative payment management; the collaborative payment management comprises:
when a cooperative payment request from an individual payment code, a group payment code or a first payment account is received, selecting a second payment account from an account group for corresponding payment based on the cooperative payment request so as to realize transfer payment between two accounts in the account group;
and when a cooperative order payment request is received, selecting a plurality of corresponding payment accounts from the account group to carry out corresponding payment based on the cooperative order payment request.
10. A service platform, characterized by: comprising a memory for storing a computer program; a processor for running the computer program to implement the method of managing multi-principal account associations according to any of claims 1 to 9.
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