CN113723965A

CN113723965A - Service processing method based on family account, and relationship establishing method and device

Info

Publication number: CN113723965A
Application number: CN202111019610.2A
Authority: CN
Inventors: 高双双; 唐德顺
Original assignee: Zhongdian Jinxin Software Co Ltd
Current assignee: Zhongdian Jinxin Software Co Ltd
Priority date: 2021-09-01
Filing date: 2021-09-01
Publication date: 2021-11-30

Abstract

The application provides a service processing method based on a family account, a relationship establishing method and a device. The method comprises the following steps: receiving a financial transaction request initiated by a target family member through an application program; wherein the target family member is one of the family members; determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of a target family member or a family shared account corresponding to the family account number; receiving transaction verification information and carrying out security verification on the transaction verification information; if the verification passes, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount. In the embodiment of the application, the target family member initiates a financial transaction request through the application program shared by the family, and performs financial transaction through the individual account or the family shared account, so that the financial data taking the family as a unit can be efficiently obtained.

Description

Service processing method based on family account, and relationship establishing method and device

Technical Field

The application relates to the technical field of artificial intelligence, in particular to a service processing method based on a family account, a relationship establishing method and a device.

Background

At present, people usually realize financial transactions among personal accounts through mobile phone banks, and people do not need to go to a bank self-service terminal or a counter for handling, so that the birth of the mobile phone banks provides convenience for people.

In the prior art, the bank account of each person is maintained through the account number and password thereof, for example: and when the user A needs to transfer the money to the user B, the user A transfers the money to the bank account of the user B through a corresponding mobile phone bank on the mobile phone. Because each person is independent, if the financial data of each family is required to be acquired, the financial data of the family associated with each user needs to be manually inquired, and the acquired financial data of each member of the family is integrated, so that the method is low in efficiency and consumes a large amount of manpower.

Disclosure of Invention

An object of the embodiments of the present application is to provide a service processing method, a relationship establishing method, and an apparatus based on a home account, so as to improve efficiency of acquiring financial data in a home.

In a first aspect, an embodiment of the present application provides a service processing method based on a family account, which is applied to an electronic device, where the electronic device runs an application program for a bound family member to perform a financial transaction, and the method includes: receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number; receiving transaction verification information and carrying out security verification on the transaction verification information; and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount.

In the embodiment of the application, the target family member initiates a financial transaction request through the family shared application program and performs financial transaction through the individual account or the family shared account, so that all financial services of the family member can be monitored through the family shared application program, and further, the financial data taking the family as a unit can be efficiently obtained.

In any embodiment, the financial transaction request is voice input by the target family member; determining a target transaction account, a recipient financial account, and a transaction amount based on the financial transaction request includes: performing voice analysis on the financial transaction request by using a natural language processing technology to obtain account information of the target family member, a first relation label of a receiver and a transaction amount; the first relation label is used for representing the identity name of the receiving party; determining the target transaction account according to the target family member account information and the transaction amount; and determining the financial account of the receiving party according to the first relation label.

According to the embodiment of the application, the receiving party can be accurately positioned through the first relation label, so that financial services are transacted in a voice interaction mode with the electronic equipment, and convenience of financial transactions is improved.

In any embodiment, the determining the target transaction account according to the target family member account information and the transaction amount includes: if the target family member is determined to correspond to a plurality of available first financial accounts according to the transaction amount and the target family member account information, and the plurality of available first financial accounts comprise a first default financial account, determining the first default financial account as the target transaction account; if the target family member is determined to correspond to a plurality of available first financial accounts according to the transaction amount and the target family member account information, and the plurality of available first financial accounts do not include a first default financial account, the target family member is prompted by voice to select one of the plurality of available first financial accounts as a target transaction account; and receiving the target transaction account selected by the target family member.

Because each family member can bind a plurality of bank cards in the family account number, when the family member sets the default financial account, the default financial account is used as the target transaction account, and if the default financial account is not set, the target family member is prompted to select so as to ensure that the financial transaction can be realized from the accurate bank card.

In any embodiment, the determining the recipient financial account from the first relationship tag includes: if the receiver is determined to correspond to a plurality of second financial accounts according to the first relation label and the plurality of second financial accounts comprise a second default financial account, determining the second default financial account as the receiver financial account; if the receiver is determined to correspond to a plurality of second financial accounts according to the first relationship tag and a second default financial account is not included in the plurality of second financial accounts, the target family member is prompted by voice to select one of the plurality of second financial accounts as the receiver financial account; and receiving the recipient financial account selected by the target family member.

Because the receiver can also have a plurality of second financial accounts, when the family member sets the second default financial account of the receiver, the default second financial account is used as the financial account of the receiver, and if the default second financial account is not set, the target family member is prompted to select so as to ensure that the accurate bank card can be subjected to financial transaction.

In any embodiment, the transaction verification information includes at least one of a payment password, voiceprint features, facial features, and fingerprint features.

In any embodiment, the financial transaction request is sent by the target family member through a terminal.

In any embodiment, the recipient corresponding to the recipient financial account is another family member who belongs to the same family account as the target family member, and the method further includes: and if the receiver logs in the family account, sending push information containing a label corresponding to the target family member to the receiver. Thereby making the push message known to other family members.

In any embodiment, if the target transaction account is the family shared account, after transferring the transfer from the target transaction account to the recipient financial account in accordance with the transaction amount, the method further comprises: and sending prompt information to terminals of other family members belonging to the same family account with the target family member. Therefore, other family members can timely know that the target family member uses the family sharing account to carry out financial transaction.

In any embodiment, the method further comprises: and counting and analyzing financial transaction information of the family account number, wherein the financial transaction information comprises transaction information of the family shared account, transaction information of all family members in the family account number and transaction information of personal accounts of all the family members in the family account number. The financial transaction condition of the family as a unit can be obtained by counting the financial transaction information of the family account.

In a second aspect, an embodiment of the present application provides a family member relationship establishing method, which is applied to an electronic device, where the electronic device runs an application program for a bound family member to perform a financial transaction, and the method includes: receiving a first binding request of a family member, wherein the first binding request comprises a second relation label of the family member, a personal financial account and a login password; and associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program to complete the establishment of the family member relationship.

According to the embodiment of the application, financial services among family members and financial services of different families can be realized through the establishment of family member relations.

In any embodiment, the method further comprises: receiving a second binding request, the second binding request including the family shared account; associating the family shared account in the family account corresponding to the application program according to the second binding request so as to realize the binding of the family shared account; wherein the family shared account is usable by a corresponding family member.

In any embodiment, after binding the family sharing account, the method further includes: and receiving authority configuration information, wherein the authority configuration information comprises the use authority of each family member to the family sharing account. Each family member can use the family shared account in the corresponding use authority, so that the family members can be managed conveniently.

In a third aspect, an embodiment of the present application provides a service processing apparatus based on a home account, where the apparatus runs an application program for a family member bound to the home account to perform a financial transaction, and the apparatus includes: the first request receiving module is used for receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; the information determining module is used for determining a target transaction account, a receiver financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number; the verification module is used for receiving transaction verification information and carrying out safety verification on the transaction verification information; and the transaction module is used for transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount if the verification is passed.

In a fourth aspect, an embodiment of the present application provides a family member relationship establishing apparatus, where the apparatus runs an application program for a bound family member to perform a financial transaction, and the apparatus includes: the second request receiving module is used for receiving a first binding request of the family member, wherein the first binding request comprises a second relation label, a personal financial account and a login password of the family member; and the relationship establishing module is used for associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program so as to complete the establishment of the family member relationship.

In a fifth aspect, an embodiment of the present application provides an electronic device, including: the system comprises a processor, a memory and a bus, wherein the processor and the memory are communicated with each other through the bus; the memory stores program instructions executable by the processor, the processor invoking the program instructions to be capable of performing the method of the first or second aspect.

In a sixth aspect, an embodiment of the present application provides a non-transitory computer-readable storage medium, including: the non-transitory computer readable storage medium stores computer instructions that cause the computer to perform the method of the first or second aspect.

Additional features and advantages of the present application will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the embodiments of the present application. The objectives and other advantages of the application may be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.

Fig. 1 is a schematic flow chart of a service processing method based on a home account according to an embodiment of the present disclosure;

fig. 2 is a schematic flow chart of a method for establishing a family membership relationship according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a service processing device based on a home account according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of a family membership establishing apparatus according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.

Detailed Description

The technical solutions in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.

Fig. 1 is a schematic flow diagram of a service processing method based on a home account provided in an embodiment of the present application, and as shown in fig. 1, the method is applied to an electronic device, where the electronic device may be a smart phone, a tablet computer, a desktop computer, a notebook computer, a smart speaker, an intelligent wearable device, and the like, an application program capable of executing the service processing method is pre-installed in the electronic device, and the application program may be a home bank APP, and it can be understood that the home bank APP is used for being used by family members together, for example: there are five family members in a family, and then the five family members can be bound under the same family account number by using the family bank APP. The method comprises the following steps:

step 101: receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members;

step 102: determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number;

step 103: receiving transaction verification information and carrying out security verification on the transaction verification information;

step 104: and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount.

In step 101, the target family member initiates a financial transaction request through the login application, wherein the financial transaction request may be a transaction such as transfer of money, remittance of money, water payment, electricity payment, gas payment, and the like. In addition, the target family member may initiate the financial transaction request through voice or through a mobile phone terminal, and in the following embodiments, the description is made with respect to the operation scenarios of the voice and the mobile phone terminal, respectively.

In step 102, the target transaction account refers to a financial account that can be used by the target family member, including a personal financial account or a family sharing account. It should be noted that the owner, upon logging into the application, may create a family account that is available to all members of the family, which also supports financial transactions between the family account and other family accounts. The financial account of the receiving party is the financial account of the receiving party in the financial business. It is understood that the individual financial account, the recipient's financial account, and the family shared account may be bank card accounts. The family sharing account refers to an account for sharing by family members bound in the family account number, namely the family members can distribute funds in the family sharing account within the authority.

In step 103, the transaction verification information is used to verify whether the operator is legitimate, i.e. whether the operator is a real person of the target family member, and therefore, the transaction verification information may include at least one of a transaction password, a voiceprint feature, a human face feature, and a fingerprint feature. The transaction password can be a payment password of a target transaction account preset by a target family member, and can also be a dynamic password. It should be noted that other information that can prove the identity of the target family member may also be included in the transaction verification information, such as: iris features, etc.

The electronic equipment stores standard identity information of a target family account in advance, after transaction verification information is received, the transaction verification information is matched with the standard identity information, if the transaction verification information is successfully matched, verification is passed, and if the transaction verification information is not successfully matched, verification fails.

In step 104, if the verification passes, a transfer is made from the target transaction account to the recipient financial account for the transaction amount. For example: the transaction amount is 100 dollars, then 100 dollars are transferred from the target transaction account to the recipient financial account.

The following description is provided in the embodiment of the present application for an application scenario of processing financial services in a voice manner, where the electronic device may be an intelligent sound box or other devices capable of performing voice interaction, and the embodiment of the present application is not particularly limited to this. It can be understood that, the smart speaker is in a standby state in a normal state, and when a target family member needs to implement a financial transaction through a family account, the smart speaker can be woken up through a preset wake-up voice, for example: the intelligent sound box starts the application program after receiving the awakening voice.

After the smart sound box is awakened, the family bank APP is started, and the smart sound box prompts family members to log in.

If the personal information is not perfected before logging in, the personal information is perfected in two ways:

1. when the householder registers the family account, the member relationship is added to improve the account information of the member.

2. When a member of a family logs in, a corresponding relationship label is selected and verified, if no identity information of the member exists, member information is added, a mobile phone bank scans an identification code to acquire bank card information, and the member relationship label is selected to finish family relationship identity input. The identification code may be attached to the smart speaker, or may be sent from a registered family member under the family account to a terminal of a member to be registered through the terminal.

The financial transaction request may be sent to the smart speaker, and the smart speaker performs voice analysis on the financial transaction request by using a Natural Language Processing (NLP), which may specifically be: the pre-trained voice analysis model is stored in the intelligent sound box, the financial transaction request is converted from a voice format to a text format, and then information extraction is carried out on the text, so that target family account information, a first relation label of a receiver and transaction amount can be obtained.

The first relationship tag may be an identity name of the receiving party, the identity name may be a real name of the receiving party, an alias name set by the target family member for the receiving party, or a relationship between the receiving party and the target family member, for example: can be JIAZU, daughter, son, Gongge, sister, etc.

The target family member account information is used for representing the identity of a target family member, the family members bound in the family account number have unique corresponding account information, the account information is used for distinguishing which family member the family member belongs to, and the account information is a login password of the family member or an account generated by the electronic equipment for each family member.

All financial accounts bound in the family account number by the target family member can be determined according to the account number information of the target family member, and which financial accounts are available in all financial accounts can be determined according to the transaction amount. For example: the financial transaction request book is that a target family member transfers 1000 yuan to a receiver, and the target family member is bound with two bank cards in a family account number, wherein the available balance in the bank card A is 100 yuan, the available balance in the bank card B is 10000 yuan, and then the bank card A cannot be used as a target transaction account.

If the target family member has a first financial account available, then the first financial account is the target transaction account.

For the case that the target family member has a plurality of first financial accounts available, the following cases can be classified:

(1) if the first financial account is not the target transaction account, the first financial account is determined to be the target transaction account.

(2) If the first available financial account does not include the first default financial account, the target family member is voice-prompted to select one of the first available financial accounts as the target transaction account; and receiving a target transaction account selected by the target family member. It should be noted that the absence of the first default financial account from the plurality of available first financial accounts includes two cases: first, the target family member does not set a first default financial account; second, the target family member sets the first default financial account, but the first default financial account is not available.

The target family member may store information of the receiver in advance in the family account, including information of the name, the first relationship tag, the second financial account, and the like of the receiver. Thus, the recipient and the recipient's financial account may be located via the first relationship tag.

It is understood that the target family member may store one second financial account of the recipient, and may also store a plurality of second financial accounts of the recipient, as described below for the case of one or more financial accounts, respectively:

(1) if the target family member stores a second financial account of the receiver, the second financial account is the financial account of the receiver;

(2) if the target family member stores a plurality of second financial accounts of the receiver and the plurality of second financial accounts comprise a second default financial account, determining the second default financial account as the financial account of the receiver;

(3) if the target family member stores a plurality of second financial accounts of the receiver and the target family member does not set a second default financial account, the target family member is prompted by voice to select one of the second financial accounts as the financial account of the receiver; and receiving the recipient financial account selected by the target family member.

For ease of understanding, the embodiments of the present application provide a description of a specific transfer scenario, where a financial account is a bank card, and the scenario is that dad transfers 100 yuan to daughter:

the method comprises the following steps: the smart speaker receives a financial transaction request input by dad voice, where the financial transaction request may be: transfer 100 dollars to my daughter.

Step two: the intelligent sound box converts the financial transaction request into a character string after performing voice recognition, and splits out instruction information (keywords) in the voice through NLP, namely: i, daughter, transfer, 100 yuan.

Step three: after the semantic recognition is successful, finding the corresponding available first financial account of dad according to the 'I'; and finding a second financial account corresponding to the first relation label as the daughter according to the daughter.

Step four: if the daughter has multiple cards and no second default financial account is set, the daughter will be prompted to ask for which bank card to transfer money to the daughter.

Step five: dad speaks 'select first card' by voice to complete the selection of the financial account of the receiver; of course, card aliases may be set for a plurality of bank cards of the daughter in advance, for example: payroll cards, payment cards, consumer cards, and the like. Dad can also determine the recipient financial account by speaking "choose repayment card" by voice.

Step six: when a dad has a plurality of bank cards, the intelligent sound box prompts the dad to select a target transaction financial account, namely prompts the invitation that the claiming me wants to transfer money to a daughter by using which bank card.

Step seven: card aliases can also be set in advance for multiple bank cards of dad, for example: payroll cards, payment cards, consumer cards, and the like. Dad speaks the "paycard" by voice to complete the selection of the target financial account. It can be appreciated that if a family shared account is bound, dad can also speak "use family shared account" by voice to complete the selection of the target financial account. It should be noted that the execution sequence of the fourth step, the fifth step, the sixth step and the seventh step can be interchanged, and can also be executed simultaneously;

step eight: after receiving a target transaction financial account selected by father, the intelligent sound box judges whether the target financial account is an available financial account, and if so, voice prompts security verification; if the selected first financial account is not available, the voice prompts the user to reselect the target transaction financial account. In addition, when the voice prompt reselects the target transaction financial account, the available first financial accounts can be given to be selected from the available first financial accounts.

Step nine: dad can manually input password, voiceprint, fingerprint and the like to the smart speaker for security verification, and after the verification is passed, convert 100 yuan from dad's "payroll card" to daughter's "repayment card".

It should be noted that, when setting a card alias, other names may also be named, and this embodiment of the present application is not particularly limited to this. A family account may allow a family member to log in at the same time. After dad transfers 100 yuan to daughter, when daughter logs in the family account, push information is sent to daughter, and the push information can be 'you dad transfers 100 yuan to you', or 'you dad transfers 100 yuan to your repayment card', and the like. The voice prompt content shown in the embodiment of the application can be adjusted according to actual conditions, and the embodiment of the application does not limit specific voice prompt content.

In another embodiment, each family member under the family account has multiple identity names, that is, the identity names of other family members are different by taking the family members with different roles as the standard. For example: under the account of father, mother, wife and son, under the account of son, father, mother, grander and grand are included. The grandpa and dad under the dad account are the same person, the grand and the mom under the dad account are the same person, and the mom and the wife under the dad account are the same person. Therefore, for the case where each family member has a corresponding set of identity names, the method for determining the target transaction account, the recipient financial account and the transaction amount is as follows:

determining the identity name of the target family member according to the voice;

carrying out voice analysis on the financial transaction request by utilizing a natural language processing technology to obtain account information for transferring the transaction amount, a first relation label of a receiver and the transaction amount; the first relation label is used for representing the identity name of the receiving party relative to the target family member. For example: for the family relationship containing grandfather, father and son, the voice is 'turn 100 yuan for my son', and the corresponding identity of the son can be determined only if the identity of the speaking is determined to be grandfather or grandfather. Thus, it is first necessary to determine the identity of the target family member who originated the voice, i.e., whether grander originated or grander originated. And then determining a first relationship label of the receiver according to the identity of the target family member.

Determining the target transaction account according to the account information transferred by the transaction amount and the transaction amount;

and determining the financial account of the receiving party according to the first relation label.

It should be noted that the process of determining the target transaction account and the recipient financial account is consistent with the above embodiments, and is not described herein again.

In another embodiment, the family member may also conduct financial transactions to other family accounts via the family account, as described below with respect to I transferring to the JIJIJIENJIU Home:

the method comprises the following steps: the smart sound box receives a financial transaction request input by the voice, wherein the financial transaction request can be as follows: the 100 Yuan of the previous Kijiujiujia transfer is given with my family share account.

Step two: the intelligent sound box converts the financial transaction request into a character string after performing voice recognition, and splits out instruction information (keywords) in the voice through NLP, namely: i, family share account, jiujiujia, transfer, 100 yuan.

Step three: after the semantic recognition is successful, the family shared account is used as a target transaction financial account according to the 'I' and the 'family shared account'; and finding a second financial account corresponding to the first relation label 'jiujiujia' according to the 'jiujiujia'. It is understood that the second financial account of the jiu home is a home shared account of the jiu home.

Step four: the intelligent sound box prompts safety verification through voice;

step five: i can manually input a password, input a voiceprint, a fingerprint and the like into the intelligent sound box for security verification, and after the verification is passed, 100 yuan is converted from the family shared account of I to the family shared account of Jiujiu.

The following description is made for the case where a dad transfers money to a daughter through a mobile phone terminal:

the method comprises the following steps: a father sends a transfer request to the electronic equipment through a mobile phone terminal;

step two: if the daughter has a plurality of bank cards, the electronic equipment displays the plurality of bank cards owned by the daughter through the mobile phone terminal for the father to select;

step three: the method comprises the following steps that a dad selects one of a plurality of bank cards of a daughter as a financial account of a receiving party through a mobile phone terminal;

step four: if dad has multiple bank cards, the electronic equipment displays the available multiple bank cards owned by dad through the mobile phone terminal for dad to select; it should be noted that the execution sequence of the step three and the step four may be interchanged, or may be executed simultaneously;

step five: before transferring accounts, the electronic equipment sends a prompt of security verification to the mobile phone terminal;

step six: and the dad sends transaction verification information to the electronic equipment through the mobile phone terminal, and after the verification is passed, account transfer operation is carried out.

On the basis of the embodiment, when the family member uses the family shared account to perform the financial transaction, whether the family member has the authority to perform the current financial transaction can be judged. For example: the authority of the family member A is that the family shared account is used for transferring accounts to other accounts within 100 yuan every day, when a plurality of available first financial accounts corresponding to the target family member are determined according to the transaction amount and the account number information of the target family member, if the financial transaction is the vintage transfer of 50 yuan, and the balance in the family shared account is greater than 50 yuan, the available first financial accounts comprise the family shared account. If the financial transaction is a vintage transfer of 200 dollars, then the family share account is not included in the first available financial account. If the family member A selects the family sharing account to carry out financial transaction, the family member A needs to be prompted to have no authority to operate. It should be noted that the authority of the family member to use the family shared account is not limited to transfer to other accounts, and may also be an authority of modifying a password, querying a detailed authority, adding a new authority of the family member, and the like, which is not specifically limited in this embodiment of the application.

According to the embodiment of the application, the family member can be effectively prevented from unauthorized operation through judgment of the family member authority.

In another embodiment, if the family member uses the family shared account to perform a financial transaction with the recipient financial account, other family members in the family account may be notified, so that the other family members in the family account can obtain the change of the funds in the family shared account in time.

The specific notification method may be to send a prompt message to a phone number or an instant communication number of another family member, where the phone number and the instant communication number are pre-stored in the family account for the family member.

In another embodiment, the electronic device may also count and analyze financial transaction information for the home account number. The financial transaction information may be transaction information of a family shared account, such as: the income condition, the expenditure condition, the income type and the expenditure type of the family sharing account, and the like; the transaction information of all family members in the family account number can be further displayed, for example: the income sum, the expenditure sum, the income type and the expenditure type of all family members and the like; but also transaction information of individual family members, such as: income status, expenditure status, income type, expenditure type, etc. of each family member.

In another embodiment, the electronic device may also push appropriate financial, insurance, store coupons, etc. information for the home account based on the income and expense of the home account.

According to the embodiment of the application, the financial transaction condition taking a family as a unit can be obtained by counting the financial transaction information of the family account.

Fig. 2 is a schematic flow chart of a method for establishing a family membership relationship provided in an embodiment of the present application, and as shown in fig. 2, the method is applied to an electronic device, where the electronic device may be a smart phone, a tablet computer, a desktop computer, a notebook computer, a smart speaker, an intelligent wearable device, and the like, an application program capable of executing the method for establishing a family membership relationship is installed in advance in the electronic device, and the application program may be a home bank APP, and the method includes:

step 201: receiving a first binding request of a family member, wherein the first binding request comprises a second relation label of the family member, a personal financial account and a login password;

step 202: and associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program to complete the establishment of the family member relationship.

In step 201, the family member may enter the binding interface through the terminal actively scanning the identification code on the electronic device, or the bound family member invites the unbound family member to bind, which may specifically be: the bound family member sends an invitation code to the terminal of the unbound family member through the terminal, wherein the invitation code can be a string of numbers or a two-dimensional code. The unbound family members send a first binding request to the electronic device by inputting the string of numbers or the identification two-dimensional code so as to enter a binding interface for binding operation.

The second relationship label is used to characterize the identity of a family member in the home, for example: the second relationship label may be "dad", "mom", "grandpa", "breast", "daughter", "son", etc. The personal financial account may only allow family members to use themselves, and other family members may not have access to use. The login password is a password set by the family member.

It can be understood that the family members share one family account, and each family member in the family account has a family member account and a password corresponding to the family member account and the password. The first binding request may further include an identity, which may be information such as a voiceprint and a fingerprint of the family member.

In step 202, after the electronic device receives the first binding request, the second relationship tag, the personal financial account, and the login password in the first binding request are associated with the family account, so as to establish the family membership.

On the basis of the above embodiment, the method further includes:

receiving a second binding request, the second binding request including the family shared account;

associating the family shared account in the family account corresponding to the application program according to the second binding request so as to realize the binding of the family shared account; wherein the family shared account is usable by a corresponding family member.

In a specific implementation process, the second binding request is used for binding a family shared account in the family account, and the family shared account can be allowed to be used by family members in the family account. The family member can scan the identification code on the electronic equipment through the terminal.

After the identification code on the electronic device is scanned, in order to ensure the security of the home account, security verification may be performed, for example: the identity authentication can be carried out by answering a preset question or inputting a preset password, after the authentication is passed, a binding interface is displayed on the terminal, and the family member can send a second binding request to the electronic equipment through the terminal, wherein the second binding request comprises a family sharing account input by the family member.

And after receiving the second binding request, the electronic equipment associates the family shared account with the family account.

In another embodiment, to implement the control of the family members using the family shared account, the owner may have the highest authority, and the owner may set the usage authority of the family shared account for other family members. For example: the daughter and the son can only transfer 1000 yuan from the family sharing account within one month; the mother may be provided with the right to modify the password, etc.

Fig. 3 is a schematic structural diagram of a service processing device based on a home account according to an embodiment of the present application, where the device may be a module, a program segment, or a code on an electronic device. It should be understood that the apparatus corresponds to the above-mentioned embodiment of the method of fig. 1, and can perform various steps related to the embodiment of the method of fig. 1, and the specific functions of the apparatus can be referred to the description above, and the detailed description is appropriately omitted here to avoid redundancy. The device comprises: a first request receiving module 301, an information determining module 302, an authentication module 303, and a transaction module 304, wherein:

the first request receiving module 301 is configured to receive a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members;

the information determination module 302 is configured to determine a target transaction account, a recipient financial account, and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number;

the verification module 303 is configured to receive transaction verification information and perform security verification on the transaction verification information;

the transaction module 304 is configured to transfer the transaction from the target transaction account to the recipient financial account based on the transaction amount if the verification passes.

On the basis of the embodiment, the financial transaction request is input by a target family member through voice; the information determination module 302 is specifically configured to:

utilizing a natural language processing technology to perform voice analysis on the financial transaction service request to obtain account information of the target family member, a first relation label of a receiver and a transaction amount; the first relation label is used for representing the identity name of the receiving party;

determining the target transaction account according to the target family member account information and the transaction amount;

On the basis of the foregoing embodiment, the information determining module 302 is specifically configured to:

if the target family member is determined to correspond to a plurality of available first financial accounts according to the transaction amount and the target family member account information, and the plurality of available first financial accounts comprise a first default financial account, determining the first default financial account as the target transaction account;

if the target family member is determined to correspond to a plurality of available first financial accounts according to the transaction amount and the target family member account information, the target family member is prompted by voice to select one of the available first financial accounts as a target transaction account; and receiving the target transaction account selected by the target family member.

if the receiver is determined to correspond to a plurality of second financial accounts according to the first relation label and the plurality of second financial accounts comprise a second default financial account, determining the second default financial account as the receiver financial account;

if the receiver is determined to correspond to a plurality of second financial accounts according to the first relationship tag and a second default financial account is not included in the plurality of second financial accounts, the target family member is prompted by voice to select one of the plurality of second financial accounts as the receiver financial account; and receiving the recipient financial account selected by the target family member.

On the basis of the above embodiment, the transaction verification information includes at least one of a payment password, a voiceprint feature, a face feature, and a fingerprint feature.

On the basis of the above embodiment, the financial transaction request is sent by a target family member through a terminal, and the financial transaction request includes the target transaction account, the recipient financial account, and the transaction amount.

On the basis of the above embodiment, the receiving party corresponding to the receiving party financial account is another family member belonging to the same family account as the target family member, and the apparatus further includes: and the information pushing module is used for sending pushing information containing a label corresponding to the target family member to the receiver if the receiver logs in the family account.

On the basis of the above embodiment, if the target transaction account is the family shared account, the device further includes an information prompt module, configured to send prompt information to terminals of other family members that belong to the same family account as the target family member.

On the basis of the above embodiment, the apparatus further includes a statistical analysis module configured to:

and counting and analyzing financial transaction information of the family account number, wherein the financial transaction information comprises transaction information of the family shared account, transaction information of all family members in the family account number and transaction information of personal accounts of all the family members in the family account number.

Fig. 4 is a schematic structural diagram of a family membership establishing apparatus according to an embodiment of the present application, where the apparatus may be a module, a program segment, or a code on an electronic device. It should be understood that the apparatus corresponds to the above-mentioned embodiment of the method of fig. 2, and can perform various steps related to the embodiment of the method of fig. 2, and the specific functions of the apparatus can be referred to the description above, and the detailed description is appropriately omitted here to avoid redundancy. The device comprises: a second request receiving module 401 and a relationship establishing module 402, wherein:

the second request receiving module 401 is configured to: receiving a first binding request of a family member, wherein the first binding request comprises a second relation label of the family member, a personal financial account and a login password;

the relationship establishing module 402 is configured to associate the second relationship tag of the family member, the personal financial account, and the login password with the family account corresponding to the application program, so as to complete establishment of a family member relationship.

On the basis of the above embodiment, the apparatus further includes:

a third request receiving module, configured to receive a second binding request, where the second binding request includes the family shared account;

On the basis of the above embodiment, the apparatus further includes a permission configuration module, configured to:

and receiving authority configuration information, wherein the authority configuration information comprises the use authority of each family member to the family sharing account.

Fig. 5 is a schematic structural diagram of an entity of an electronic device provided in an embodiment of the present application, and as shown in fig. 5, the electronic device includes: a processor (processor)501, a memory (memory)502, and a bus 503; wherein the content of the first and second substances,

the processor 501 and the memory 502 are communicated with each other through the bus 503;

the processor 501 is configured to call program instructions in the memory 502 to perform the methods provided by the above-mentioned method embodiments, for example, including: receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number; receiving transaction verification information and carrying out security verification on the transaction verification information; and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount. Or

Receiving a first binding request of a family member, wherein the first binding request comprises a second relation label of the family member, a personal financial account and a login password; and associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program to complete the establishment of the family member relationship.

The processor 501 may be an integrated circuit chip having signal processing capabilities. The Processor 501 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components. Which may implement or perform the various methods, steps, and logic blocks disclosed in the embodiments of the present application. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The Memory 502 may include, but is not limited to, Random Access Memory (RAM), Read Only Memory (ROM), Programmable Read Only Memory (PROM), Erasable Read Only Memory (EPROM), Electrically Erasable Read Only Memory (EEPROM), and the like.

The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number; receiving transaction verification information and carrying out security verification on the transaction verification information; and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount. Or

The present embodiments provide a non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the methods provided by the above method embodiments, for example, including: receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number; receiving transaction verification information and carrying out security verification on the transaction verification information; and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount. Or

In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.

In addition, units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

Furthermore, the functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.

In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions.

The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A service processing method based on a family account is applied to an electronic device, wherein the electronic device runs an application program for a family member bound with the family account to perform financial transactions, and the method comprises the following steps:

receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members;

determining a target transaction account, a recipient financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number;

receiving transaction verification information and carrying out security verification on the transaction verification information;

and if the verification is passed, transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount.

2. The method of claim 1, wherein the financial transaction request is voice input by the target family member; determining a target transaction account, a recipient financial account, and a transaction amount based on the financial transaction request includes:

performing voice analysis on the financial transaction request by using a natural language processing technology to obtain account information of the target family member, a first relation label of a receiver and a transaction amount; the first relation label is used for representing the identity name of the receiving party;

3. The method of claim 2, wherein determining the target transaction account based on the target family member account information and the transaction amount comprises:

if the target family member is determined to correspond to a plurality of available first financial accounts according to the transaction amount and the target family member account information, and the plurality of available first financial accounts do not include a first default financial account, the target family member is prompted by voice to select one of the plurality of available first financial accounts as a target transaction account; and receiving the target transaction account selected by the target family member.

4. The method of claim 2, wherein the determining the recipient financial account from the first relationship tag comprises:

5. The method of claim 2, wherein the transaction verification information includes at least one of a payment password, voiceprint features, face features, and fingerprint features.

6. The method of claim 1, wherein the financial transaction request is sent by the target family member through a terminal.

7. The method of claim 1, wherein if the target transaction account is the family shared account, after transferring the transfer from the target transaction account to the recipient financial account in accordance with the transaction amount, the method further comprises:

and sending prompt information to terminals of other family members belonging to the same family account with the target family member.

8. The method according to any one of claims 1-7, further comprising:

9. A family member relationship establishing method applied to an electronic device running an application program for financial transactions of bound family members, the method comprising:

receiving a first binding request of a family member, wherein the first binding request comprises a second relation label of the family member, a personal financial account and a login password;

and associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program to complete the establishment of the family member relationship.

10. The method of claim 9, further comprising:

11. The method of claim 10, wherein after binding the family shared account, the method further comprises:

12. A service processing device based on a family account, wherein the device runs an application program for a family member bound with the family account to perform financial transactions, and the device comprises:

the first request receiving module is used for receiving a financial transaction request initiated by a target family member through the application program; wherein the target family member is one of the family members; the information determining module is used for determining a target transaction account, a receiver financial account and a transaction amount according to the financial transaction request; the target transaction account comprises a personal financial account of the target family member or a family shared account corresponding to the family account number;

the verification module is used for receiving transaction verification information and carrying out safety verification on the transaction verification information;

and the transaction module is used for transferring the account from the target transaction account to the financial account of the receiver according to the transaction amount if the verification is passed.

13. A family membership establishing apparatus operating an application for financial transactions by bound family members, comprising:

the second request receiving module is used for receiving a first binding request of the family member, wherein the first binding request comprises a second relation label, a personal financial account and a login password of the family member;

and the relationship establishing module is used for associating the second relationship label of the family member, the personal financial account and the login password in the family account corresponding to the application program so as to complete the establishment of the family member relationship.

14. An electronic device, comprising: a processor, a memory, and a bus, wherein,

the processor and the memory are communicated with each other through the bus;

the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1-11.

15. A non-transitory computer-readable storage medium storing computer instructions which, when executed by a computer, cause the computer to perform the method of any one of claims 1-11.