CN113850577A - Resource account processing method and device - Google Patents

Abstract

The embodiment of the specification provides a resource account processing method and a resource account processing device, wherein the resource account processing method comprises the following steps: opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account; determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member; and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

Description

Resource account processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing a resource account.

Background

With the development of information technology, a service provider provides a networked service platform for a user under the support of internet technology, and the user can obtain corresponding services on the networked service platform. As the service types are increased day by day, in order to meet the requirements of users, the resource accounts become indispensable elements in online transaction services, and the users can conveniently complete services such as transfer, payment and the like through a computer and the Internet by using the resource accounts; and with the networking development of various traditional services, the application range of the resource account is wider and wider.

Disclosure of Invention

One or more embodiments of the present specification provide a resource account processing method, including: opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account. And determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member. And configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

One or more embodiments of the present specification provide a resource account processing apparatus including: and the manager determining module is configured to open the common resource account according to the account opening request of the mechanism owner and determine the manager of the common resource account. And the account participant determining module is configured to determine the member identification submitted by the administrator as the corresponding organization member as the account participant of the common resource account. And the authority configuration module is configured to perform authority configuration of at least one authority dimension on the common resource account, and generate an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

One or more embodiments of the present specification provide a resource account processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account. And determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member. And configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account. And determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member. And configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

FIG. 1 is a process flow diagram of a resource account processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a flowchart of a resource account processing method applied to a common resource account scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a schematic diagram of a resource account processing apparatus according to one or more embodiments of the present disclosure;

fig. 4 is a schematic structural diagram of a resource account processing device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a resource account processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a resource account processing method provided in this embodiment, and referring to fig. 2, which shows a processing flow chart of a resource account processing method applied to a common resource account scenario provided in this embodiment.

Referring to fig. 1, the resource account processing method provided in this embodiment specifically includes step S102 to step S106.

Step S102, opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account.

In the resource account processing method provided by this embodiment, by opening the common resource account, both the partner and the employee of the organization can perform corresponding services through the common resource account of the organization, and meanwhile, different authorities are configured for the organization members with different identities accessing the common resource account; specifically, a sponsor of an organization opens a common resource account, after the common resource account is opened, partners and employees are invited to access the common resource account, a manager which accesses the common resource account and is used as the common resource account is designated, the manager has the domination right for organization resources in the common resource account, organization members corresponding to member identifications submitted by the manager are determined as account participants of the common resource account, different organization resource consumption rights are opened for different account participants, and different consumption constraint conditions are configured, so that the organization members accessing the common resource account can process organization resources in the common resource account according to the distributed rights, the rights separation of the common resources of the sponsor and the partners of the organization is realized, and the ownership of the organization resources in the common resource account by the sponsor and the partners is flexibly configured on the basis of the rights separation, The domination right, the use right, the profit right and the query right enable the sponsor and the partner of the organization to have the management right on the common resource account, so that the employees can purchase the organization resources in the common resource account, and the reimbursement process is reduced; in addition, the convenience of reconciliation of the mechanism is improved, and the trust of the partner on mechanism resource management is improved.

The common resource account in this embodiment includes an account whose ownership belongs to multiple parties and whose institution resources in the account are managed by multiple parties, and the common resource account implements "common right (the ownership belongs to multiple parties), common management (common management by multiple parties), common use (institution resources in the account can be used by multiple parties), and common check (multiple parties have inquiry authority for associated bills)". Resources in the common resource account belong to the institution and are institution resources; wherein the resources in the common resource account include funds or other types of electronic resource forms; such as a common funds account.

In this embodiment, an originator of an organization opens a common resource account that can access a plurality of organization members, invites partners to access the common resource account, and designates a manager when opening the common resource account, the manager configures the authority of the common resource account, selects members other than the originator and the partners to access the common resource account, and configures the authority for the individual who accesses the common resource account.

Wherein the organization owner comprises a sponsor or a partner of the organization; the partner invited by the organization owner is the account owner;

it should be noted that, if the organization has only one sponsor and no partner, the organization owner and the account owner of the opened common resource account are both the sponsor; for example, a promoter F creates an organization by one person, and after the promoter F opens a common resource account of the organization, the promoter F is an organization owner and an account owner; if the organization is created by a plurality of partners together, one partner opens the common resource account and invites other partners to access the common resource account, the partner opening the common resource account is the organization owner, and the partner opening the common resource account and the other partners are the account owners. For example, partner p1, partner p2, and partner p3 created an organization, with partner p1 opening a common resource account for the organization and inviting partner p2 and partner p3, with partner p1 then being the organization owner and partner p1, partner p2 and partner p3 being the account owner.

The organization member which is designated by the organization owner when opening the common resource account and has the dominance to the resources in the common resource account is the manager; the administrator selects the added institution member as an account participant of the common resource account. For example, after the sponsor F opens the common resource account of the organization, the financial member in the organization is designated as the manager of the common resource account.

Optionally, the institution owner has ownership, profit rights and account access rights of institution resources in the common resource account; the account owner shares ownership and profit rights of the institution resources in the common resource account according to ownership proportion, and has account access rights of the common resource account according to the designation of the institution owner.

In the specific implementation, in the process of opening the common resource account, the institution owner and the account owner agree on the possession form and the occupation share of the institution owner and the account owner on the resources in the common resource account, so that the resources in the common resource account are processed according to the possession form and the occupation share when a resource dispute occurs; if the ownership form is the set proportion form, the occupation shares of the institution owner and the account owner for the resources in the common resource account need to be configured (for example, the sponsor of the convention institution occupies 40% of the resources in the common resource account, and three partners occupy 20% of the resources in the common resource account, respectively).

Based on this, in order to improve the efficiency of resource allocation and the efficiency of processing resource disputes, and restrict the division of resources in the common resource account by the institution owner and the account owner, in an optional implementation manner provided in this embodiment, in the process of opening the common resource account, the following operations are performed:

creating the common resource account according to the account opening request submitted by the mechanism owner;

determining the member identifier submitted by the mechanism owner as a corresponding mechanism member as an account owner of the common resource account;

determining ownership dominance of the institution owner and the account owner for the common resource account.

Optionally, the ownership proportion is determined according to at least one of the following:

resource proportions of the institution owner and the account owner for the common resource account, a mode of ownership proportion selected by the institution owner, a resource proportion specified by the institution owner for each account owner;

wherein the ownership duty mode comprises an average duty mode.

For example, sponsor F, partner p1, and partner p2 collectively create an organization, sponsor F funding 50 thousands, partner p1 funding 30 thousands, partner p2 funding 20 thousands, in order to improve the perception and trust of the sponsor and partner to the resources of the organization, sponsor F opens a common resource account, and determines partner p1 and partner p2 as account owners of the common resource account, and sets the share of the resource in the common resource account to a set proportion form, according to the funding proportions of sponsor F, partner p1, and partner p2, determines the share of the resource in the common resource account for sponsor F to be 50%, and partner p1 to be 30%, and partner p2 to be 20% of the resource in the common resource account.

For another example, the promoter F, the partner p1 and the partner p2 together create an organization, the promoter F opens the common resource account, and determines the partner p1 and the partner p2 as the account owners of the common resource account, and in the process of opening the common resource account, the ownership duty mode selected by the promoter F is the average duty mode, and then the ownership duty of the promoter F, the partner p1 and the partner p2 is determined to be 1/3 respectively.

It should be noted that, in the process of determining the ownership proportion, the ownership proportion may be determined according to one of the resource investment proportion of the institution owner and the account owner with respect to the common resource account, the ownership proportion mode selected by the institution owner, and the resource proportion specified by the institution owner with respect to each account owner, or may be determined according to two or three of the above three, or may be determined according to other manners, which is not limited herein.

In order to further restrict the division of the resource of the common resource account by the institution owner and the account owner, the institution owner signs a common account agreement with the account owner after inviting the account owner, and records the ownership proportion of the institution owner and each account owner in the common account agreement, in order to improve the perception degree of the change of the institution owner and the account owner on the common resource account, the common management of the institution owner and the account owner on the common resource account is realized, if the agreement content of the common account agreement is required to be changed, the institution owner and the account owner need to confirm, and the change processing is carried out after the institution owner and the account owner confirm.

Optionally, the ownership proportion is recorded in a common account agreement signed by the institution owner and the account owner;

and if a change request aiming at the protocol content in the common account protocol is detected, sending a change confirmation request to the mechanism owner and the account participant, and after the confirmation response of the mechanism owner and the account participant aiming at the change confirmation request is detected, carrying out change processing on the protocol content.

For example, the share occupied by the creator F on the resource in the common resource account is 50%, the share occupied by the partner p1 on the resource in the common resource account is 30%, the share occupied by the partner p2 on the resource in the common resource account is 20%, the organization adds a partner p3 and invests 20 ten thousands, it is necessary to recalculate the share occupied by the creator F, the partner p1, the partner p2 and the partner p3 and record the same in the common account agreement, a change confirmation request is sent to the creator F, the partner p1 and the partner p2 in the process of changing the common account agreement, and the common account agreement is changed when the creator F, the partner p1 and the partner p2 all submit a change confirmation instruction.

Because the common resource account is connected with a plurality of mechanism members, in order to further improve the perception degree and the trust degree of the mechanism owner and the account owner on the resources of the mechanism and improve the transparency of the common resource account, the mechanism owner needs to designate a manager to perform rule configuration on the common resource account in the process of opening the common resource account. In an optional implementation manner provided by this embodiment, the administrator is determined in the following manner:

determining an organization member designated by the organization owner as the manager, and opening account management authority of the common resource account to the manager;

wherein the account management authority comprises: the control authority of mechanism resources in the common resource account and the management authority of account participants of the common resource account.

Specifically, the organization owner designates a manager when opening the common resource account, and after determining the manager, the authority management authority of the manager for the common resource account is opened, so that the manager has a control authority for organization resources in the common resource account, and has an authority for inviting members except the organization owner and the account owner as account participants to access the common resource account, and configuring a constraint condition of the account participants. In order to facilitate consumption and reimbursement of organization members, the administrator can invite the organization members to access the common resource account, so that the organization members can use the common resource account of the organization together,

for example, the sponsor F designates a financial staff as the administrator when opening the common resource account, and opens the account management authority of the financial staff after determining that the financial staff is the administrator. At this point, the financial staff has the right to dominate the resources in the common resource account, has the right to invite to the institution members, and has the right to configure the rights to the institution members who access.

In specific implementation, after determining the administrator, the administrator needs to configure the common resource account, and in order to improve convenience of resource transfer to the common resource account and improve effectiveness of management of resource transfer to the resource transfer channel, in an optional implementation manner provided in this embodiment, the following manner is adopted to configure the resource transfer to the common resource account:

performing resource transfer configuration of the common resource account according to a resource transfer configuration request submitted by the manager;

the resource transfer-in configuration comprises resource transfer-in channel configuration, resource transfer-in quota configuration and/or resource transfer-in period configuration.

Specifically, according to the resource transfer-in configuration request of the manager, resource transfer-in channel configuration, resource transfer-in quota configuration and resource transfer-in period configuration are interactively performed with the manager, so that the resource transfer-in quota is automatically transferred to the common resource account from the resource transfer-in channel according to the configured resource transfer-in period. For example, a financial staff configured the xx institution's accounts to transfer 10 ten thousand dollars per month to a common resource account. In addition, corresponding funds can be manually transferred monthly.

And step S104, determining the member identification submitted by the manager as the corresponding mechanism member as the account participant of the common resource account.

In particular implementations, the administrator invites organization members to access the common resource account, and as an account participant, views resource consumption bills associated with the common resource account or uses resources in the common resource account.

Specifically, after inviting the organization members to access the common resource account, the administrator configures the authority for the accessed organization members. In this embodiment, the rights configured to the organization member include a query right and a limited dominance right.

Wherein, the query right means that the organization member can query in a constraint range; for example, a resource consumption bill associated with a common resource account over a range of time is queried, an institution owner and an account owner in a common account agreement to query the common resource account. The limited dominance right refers to the right of resource drawing in a constraint range according to rules set by a manager; for example, resources less than a threshold of draw are transferred to a specified account.

For example, after confirming the identity of the employee s, the financial staff submits the member identifier of the employee s, and after obtaining the member identifier of the employee s, the member identifier is associated with the common resource account, so that the employee s becomes an account participant of the common resource account.

Step S106, performing authority configuration of at least one authority dimension on the common resource account, generating an account identification code of the common resource account, which is opened for the account participant, and performing resource circulation of the common resource account through the account identification code.

The account identification code comprises an identification code (such as a two-dimensional code) presented by an account participant when resource circulation is carried out, and the identification code is an identification code which is opened by a common resource account to the account participant with resource consumption authority. The resource circulation comprises resource consumption and resource drawing (such as transfer, payroll and payment). In addition, resource transfers may also be included. Specifically, the resource transfer process to the configured and manager-determined process, and the process of providing quota resource consumption and resource draw described below may be configured together after opening the common resource account.

In specific implementation, after inviting the organization members to access the common resource account, the administrator configures the authority of the accessed organization members, so that the organization members control the resources in the common resource account or view the resource consumption bill associated with the common resource account according to the open authority. In the embodiment, the authority opened to the organization member comprises resource consumption, resource payment and bill inquiry;

in order to improve the effectiveness of management of different account participants, different permissions can be configured for different account participants; based on this, after the account participant is determined, the process of configuring the authority for the common resource account in at least one authority dimension is implemented in the following three ways, and the following describes the process of configuring the three authorities provided in this embodiment in detail.

In a first optional implementation manner provided by this embodiment, in order to improve the convenience of using a common resource account by an account participant and reduce subsequent reimbursement processes, in a resource consumption scenario, the following manner is adopted to implement permission configuration of at least one permission dimension for the common resource account:

opening the resource consumption authority of the common resource account for the account participant, and configuring the consumption constraint condition of the resource consumption authority for the account participant;

wherein the consumption constraint configuration comprises at least one of: resource consumption object configuration, resource consumption quota configuration, resource consumption type configuration, resource consumption time configuration and resource consumption place configuration.

Specifically, the resource consumption permission of the common resource account is opened for the account participants, and in order to prevent the account participants from consuming resources which do not belong to the institution by using institution resources in the common resource account, consumption constraint conditions of the account participants on resource consumption are configured in the process of opening the resource consumption permission of the account participants on the common resource account.

For example, due to the public business trip, in order to reduce the reimbursement process of the employees s, the expenses generated by the employees s in the business trip process are directly paid by the institution without subsequent reimbursement, the resource consumption authority of the employees s to the common resource account is opened, but in order to avoid that the staff s uses the resources in the common resource account to consume outside the work in the business trip process, the consumption constraint conditions of the staff s are configured, the staff s is configured to pay for the consumption objects of the accommodation type and the catering type only by using the common resource account in the business trip during the business trip, meanwhile, in order to promote the effective management of the employees s, avoid the excessive consumption of the employees s by using the common resource account during the business trip, limit the consumption of the lodging types of the employees s during the business trip not to exceed the lodging fund threshold, and limit consumption of the meal type by employees s during the business trip to not exceed the meal fund threshold.

In addition, when the consumption constraint condition is configured, a consumption settlement channel can be configured, the common resource account and the credit line are bound, settlement processing is carried out by using the credit line in the consumption type resource consumption process, the credit line corresponding to the settlement resource is frozen, meanwhile, the common resource account needs to carry out resource returning according to the resource returning agreement agreed with the bound credit line according to the date, and the frozen credit line is unfrozen. Specifically, a consumption settlement channel can be configured when the consumption constraint condition is configured, for example: a common resource account settlement channel and a credit granting settlement channel associated with the common resource account. If the configured consumption settlement channel is a common resource account settlement channel, performing settlement by using resources stored in the common resource account in the resource settlement processing process; if the configured consumption settlement channel is a credit granting settlement channel, settlement is carried out by using a credit granting settlement account associated with the common resource account in the resource settlement processing process; the credit settlement account distributes credit settlement limit to the common resource account, a credit settlement channel can be used for settlement under the condition that settlement resources do not exceed the credit settlement limit, after the credit settlement account is used for settlement, the corresponding limit distributed by the credit settlement account is frozen, and the common resource account needs to repay the frozen credit settlement limit according to a preset time condition so as to unfreeze the credit settlement limit.

In order to further improve the convenience of using the common resource account by the account participants and enable the account participants to directly use the common resource account for payment when the account participants pay for the public, after the authority configuration of at least one authority dimension is carried out on the common resource account based on the account participants, the account identification code opened by the common resource account for the account participants is generated, so that the account participants display the account identification code in the payment process, and the payment is carried out on the consumed resource by using the common resource account after the account identification code is scanned.

In order to improve the effectiveness of the account participant management, an account identification code is generated based on consumption constraint conditions configured for the account participant, and whether the payment meets the condition that the account participant consumes by using the common resource account is verified according to the consumption constraint conditions corresponding to the account identification code in the payment process; optionally, in the process of generating the account identification code that is opened by the common resource account for the account participant, the encoded data of the account identification code includes the participant identification of the account participant and the consumption constraint condition of the resource consumption permission of the account participant.

In an optional implementation manner provided by this embodiment, after generating an account identification code that is opened by a common resource account with respect to an account participant, the account participant performs resource transfer of the common resource account through the account identification code, and in order to ensure that the account participant consumes according to configured consumption constraint conditions, in a process in which the account participant consumes through the account identification code, the following steps are performed:

acquiring participant identification and resource settlement information carried in a resource settlement request submitted by a service provider after scanning the account identification code;

verifying whether the resource settlement information meets the consumption constraint condition of the resource consumption authority of the account participant corresponding to the participant identification;

if so, transferring out the resources from the common resource account to perform resource settlement processing of the resource settlement information;

if not, determining that the account participant corresponding to the participant identification does not have the settlement permission for the resource settlement request.

Specifically, after displaying and displaying an account identification code to a service provider, an account participant acquires a resource settlement request submitted by the service provider after scanning the account identification code, firstly, the account participant corresponding to the participant identification carried in the resource settlement request is determined, then, whether resource settlement information carried in the resource settlement request meets consumption constraint conditions of the account participant is verified, and if yes, payment is carried out from a common resource account.

According to the above example, the staff s is limited to pay for the consumption objects of the accommodation type and the catering type only by using the common resource account during the business trip, the consumption of the accommodation type of the staff s is limited to be not more than the accommodation fund threshold, the consumption of the catering type is not more than the catering fund threshold, the account identification code of the common resource account for the staff s is generated according to the member identification and the consumption constraint condition of the staff s, the staff s is in the hotel accommodation before the business trip, and the account identification code is displayed to enable the hotel to scan during the payment; acquiring a resource settlement request which is submitted after a hotel scans an account identification code and carries hotel information, payment information and a member identification of an employee s, and verifying whether a hotel address is a place of business of the employee s; if not, sending a payment failure prompt to the staff s; if yes, checking whether the type of the hotel is the accommodation type; if not, sending a payment failure prompt to the staff s; if yes, checking whether the consumption amount exceeds a lodging fund threshold value; if yes, sending a payment failure prompt to the staff s; and if not, performing payment processing through the common resource account.

In addition, if the residual institution resources in the common resource account are smaller than the resource settlement amount carried in the resource settlement request, the resource settlement can be carried out from the credit granting settlement channel.

In order to facilitate the institution to reconcile consumed resources and improve convenience of checking bills by institution members, institution owners and account owners having bill checking authority, in an optional implementation manner provided by this embodiment, a resource consumption bill corresponding to the resource settlement information is generated after resource settlement processing is performed; associating the resource consumption bill to the common resource account.

In a second optional implementation manner provided in this embodiment, the following manner is adopted to implement permission configuration of at least one permission dimension for the common resource account:

opening resource drawing permissions of the common resource account to the account participants;

based on the opening of the resource payment authority, carrying out resource drawing quota configuration, resource drawing type configuration and/or resource drawing cycle configuration on the account participant;

specifically, for organization members, organizations need to issue certain resources to organization members according to certain periods to encourage the organization members to work, in order to reduce personnel consumption caused by manually issuing resources to each organization member in each period, after an administrator invites account participants, resource acquisition permission of a common resource account is opened to the account participants.

For example, after the finance staff invites the staff s to become the account participant, the finance staff s opens the resource drawing authority of the staff s to the common resource account, and 10 # s of each month is set to issue wage m yuan to the staff s. The configured resource drawing limit is m yuan, the resource drawing type is a payroll type, and the resource drawing period is configured to be monthly.

Or the account participant needs to transfer accounts to other accounts, and in the process of resource allocation, the resource allocation type is allocated as a transfer type, the resource allocation period is empty, and the resource allocation limit is m-yuan.

In a third optional implementation manner provided by this embodiment, in order to improve convenience of performing common resource account management of an organization on resources in a common resource account and improve reconciliation efficiency, in a process of performing authority configuration of at least one authority dimension on the common resource account, bill access authority configuration of a bill access dimension is performed on the common resource account.

Correspondingly, if the bill access request submitted by the institution owner or the account owner configured with the bill access authority is obtained, the resource bills associated with the common resource account are collected according to the bill access request submitted by the institution owner or the account owner configured with the bill access authority;

and returning the bill collection result to the institution owner or the account owner configured with the bill access authority so as to respond to the bill access request.

In particular, the institution owner and the account owner configuring the bill access privileges may submit a bill access request to query the resource bill of the common resource account within specified conditions. In addition, the organization member may be configured with bill access rights (e.g., financial member).

For example, partner p2 has configured bill access rights, obtains a bill access request of partner p2 to common resource account in xx month, and then collects and sends resource bills associated with common resource account in xx month to partner p 2.

As another example, a bill access request for a common resource account for a meal type bill in xx years by partner p2 is obtained, then the meal type resource bills in xx years associated with the common resource account are collected and sent to partner p 2.

In addition, when the account of the common resource account is cancelled, in order to ensure the rights and interests of the mechanism owner and the account owner, under the condition that the mechanism owner and the account owner agree with the account cancellation, the residual mechanism resources in the common resource account are distributed according to the ownership proportion, and the common resource account is cancelled after the distribution and roll-out; in an optional implementation manner provided by this embodiment, in a process of performing account logout, first, according to an account logout request submitted for the common resource account, remaining mechanism resources in the common resource account are determined, then, according to an ownership ratio of the common resource account, allocation of the remaining mechanism resources is performed, and resource transfer is performed, and after transfer is completed, the common resource account is logged out; wherein the account logout request is submitted by the institution owner and the account owner together, or after confirmation by the institution owner and the account owner.

The following further describes the resource account processing method provided in this embodiment by taking an application of the resource account processing method provided in this embodiment in a common resource account scenario as an example, referring to fig. 2, the resource account processing method applied in the common resource account scenario specifically includes steps S202 to S220.

Step S202, a common resource account is created according to an account opening request submitted by an organization owner.

Step S204, the institution member corresponding to the member identification submitted by the institution owner is determined as the account owner of the common resource account.

Step S206, according to the resource investment ratios of the institution owner and the account owner to the common resource account, determining the ownership ratios of the institution owner and the account owner to the common resource account.

Step S208, the organization member designated by the organization owner is determined as the manager of the common resource account, and the account management authority of the common resource account is opened to the manager.

Step S210, determining the organization member corresponding to the member identifier submitted by the administrator as an account participant of the common resource account.

Step S212, opening the resource consumption authority of the common resource account aiming at the account participant, and configuring the consumption constraint condition of the resource consumption authority aiming at the account participant.

In step S214, an account identification code of the common resource account for the account participant is generated based on the participant identification of the account participant and the consumption constraint condition of the resource consumption right of the account participant.

Step S216, obtaining participant identification and resource settlement information carried in the resource settlement request submitted by the service party after scanning the account identification code.

Step S218, verifying whether the resource settlement information meets the consumption constraint condition of the resource consumption authority of the account participant corresponding to the participant identification;

if yes, go to step S220;

if not, returning a settlement failure prompt to the account participant.

In step S220, resource transfer is performed from the common resource account to perform resource settlement processing of the resource settlement information.

In summary, according to the resource account processing method provided in this embodiment, a common resource account is opened according to an account opening request of an organization owner, a manager of the common resource account is determined, then an organization member corresponding to a member identifier submitted by the manager is determined as an account participant of the common resource account, finally, permission configuration of at least one permission dimension is performed on the common resource account, an account identifier opened by the common resource account for the account participant is generated, so that resource circulation of the common resource account is performed through the account identifier, thereby realizing common management, common consumption and common query of the organization owner, the account owner and the account participant on the common resource account, and improving the trust degree of the organization member on the organization resource management.

An embodiment of a resource account processing apparatus provided in this specification is as follows:

in the foregoing embodiment, a resource account processing method is provided, and correspondingly, a resource account processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 3, a schematic diagram of a resource account processing apparatus provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a resource account processing apparatus, including:

the administrator determining module 302 is configured to open a common resource account according to an account opening request of an organization owner, and determine an administrator of the common resource account;

an account participant determining module 304, configured to determine the member identifier submitted by the administrator as a corresponding institution member, as an account participant of the common resource account;

and the authority configuration module 306 is configured to perform authority configuration of at least one authority dimension on the common resource account, and generate an account identification code opened by the common resource account for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

An embodiment of a resource account processing device provided in this specification is as follows:

corresponding to the above-described resource account processing method, based on the same technical concept, one or more embodiments of the present specification further provide a resource account processing device, where the resource account processing device is configured to execute the above-described resource account processing method, and fig. 4 is a schematic structural diagram of the resource account processing device provided in one or more embodiments of the present specification.

The resource account processing device provided by the embodiment comprises:

as shown in fig. 4, the resource account processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where one or more stored applications or data may be stored in the memory 402. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource account processing device. Still further, the processor 401 may be configured to communicate with the memory 402 to execute a series of computer-executable instructions in the memory 402 on the resource account processing device. The resource account processing apparatus may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input/output interfaces 405, one or more keyboards 406, and the like.

In one particular embodiment, a resource account processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource account processing apparatus, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account;

determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member;

and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the above-described resource account processing method.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account;

determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member;

and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the resource account processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable resource account processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource account processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable resource account processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable resource account processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims (17)

1. A resource account processing method, comprising:

opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account;

determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member;

and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

2. The resource account processing method according to claim 1, wherein opening a common resource account according to an account opening request of an institution owner comprises:

creating the common resource account according to the account opening request submitted by the mechanism owner;

determining the member identifier submitted by the mechanism owner as a corresponding mechanism member as an account owner of the common resource account;

determining ownership dominance of the institution owner and the account owner for the common resource account.

3. The resource account processing method of claim 2, the ownership duty determined according to at least one of:

resource proportions of the institution owner and the account owner for the common resource account, a mode of ownership proportion selected by the institution owner, a resource proportion specified by the institution owner for each account owner;

wherein the ownership duty mode comprises an average duty mode.

4. The resource account processing method of claim 3, the institution owner having ownership, profit rights, and account access rights of institution resources in the common resource account;

the account owner shares ownership and profit rights of the institution resources in the common resource account according to ownership proportion, and has account access rights of the common resource account according to the designation of the institution owner.

5. The resource account processing method of claim 1, the determining a manager of the common resource account, comprising:

determining an organization member designated by the organization owner as the manager, and opening account management authority of the common resource account to the manager;

wherein the account management authority comprises: the control authority of mechanism resources in the common resource account and the management authority of account participants of the common resource account.

6. The resource account processing method according to claim 1, after the step of opening the common resource account according to the account opening request of the institution owner and determining the administrator of the common resource account is executed, further comprising:

performing resource transfer configuration of the common resource account according to a resource transfer configuration request submitted by the manager;

the resource transfer-in configuration comprises resource transfer-in channel configuration, resource transfer-in quota configuration and/or resource transfer-in period configuration.

7. The resource account processing method of claim 1, wherein the configuring of permissions for the common resource account for at least one permission dimension comprises:

opening the resource consumption authority of the common resource account for the account participant, and configuring the consumption constraint condition of the resource consumption authority for the account participant;

wherein the consumption constraint configuration comprises at least one of: resource consumption object configuration, resource consumption quota configuration, resource consumption type configuration, resource consumption time configuration and resource consumption place configuration.

8. The resource account processing method according to claim 7, wherein in the process of generating the account identification code opened by the common resource account for the account participant, the encoded data of the account identification code includes the participant identification of the account participant and the consumption constraint condition of the resource consumption right of the account participant.

9. The resource account processing method according to claim 8, wherein after the configuring of the permission for the common resource account for at least one permission dimension and the generating of the account identifier code opened by the common resource account for the account participant so as to perform the resource circulation step of the common resource account through the account identifier code, the method further comprises:

acquiring participant identification and resource settlement information carried in a resource settlement request submitted by a service provider after scanning the account identification code;

verifying whether the resource settlement information meets the consumption constraint condition of the resource consumption authority of the account participant corresponding to the participant identification;

and if so, transferring out the resources from the common resource account to perform resource settlement processing of the resource settlement information.

10. The resource account processing method according to claim 9, further comprising, after the step of performing resource settlement processing for transferring the resource from the common resource account to the resource settlement information is performed:

generating a resource consumption bill corresponding to the resource settlement information after the resource settlement processing;

associating the resource consumption bill to the common resource account.

11. The resource account processing method of claim 1, wherein the configuring of permissions for the common resource account for at least one permission dimension comprises:

opening resource drawing permissions of the common resource account to the account participants;

based on the opening of the resource payment authority, carrying out resource drawing quota configuration, resource drawing type configuration and/or resource drawing cycle configuration on the account participant;

alternatively, the first and second electrodes may be,

and configuring bill access authority of a bill access dimension aiming at the common resource account.

12. The resource account processing method of claim 11, further comprising:

collecting the resource bills associated with the common resource account according to bill access requests submitted by an organization owner or an account owner configured with bill access authority;

and returning the bill collection result to the institution owner or the account owner configured with the bill access authority so as to respond to the bill access request.

13. The resource account processing method of claim 2, the ownership proportion being recorded in a common account agreement signed by the institution owner and the account owner;

and if a change request aiming at the protocol content in the common account protocol is detected, sending a change confirmation request to the mechanism owner and the account participant, and after the confirmation response of the mechanism owner and the account participant aiming at the change confirmation request is detected, carrying out change processing on the protocol content.

14. The resource account processing method of claim 2, further comprising:

determining the residual mechanism resources in the common resource account according to an account logout request submitted aiming at the common resource account;

distributing the residual mechanism resources according to the ownership ratio of the common resource account, transferring out the resources, and logging off the common resource account after the transfer-out is completed;

wherein the account logout request is submitted by the institution owner and the account owner together, or after confirmation by the institution owner and the account owner.

15. A resource account processing apparatus, comprising:

the administrator determining module is configured to open a common resource account according to an account opening request of an organization owner and determine an administrator of the common resource account;

the account participant determining module is configured to determine the member identification submitted by the administrator as the corresponding organization member as the account participant of the common resource account;

and the authority configuration module is configured to perform authority configuration of at least one authority dimension on the common resource account, and generate an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

16. A resource account processing device, comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account;

determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member;

and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

17. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

opening a common resource account according to an account opening request of an organization owner, and determining a manager of the common resource account;

determining the member identifier submitted by the manager as an account participant of the common resource account, wherein the member identifier corresponds to the mechanism member;

and configuring the authority of at least one authority dimension for the common resource account, and generating an account identification code of the common resource account, which is opened for the account participant, so as to perform resource circulation of the common resource account through the account identification code.

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