CN113988826A - Method and device for managing multiple accounts - Google Patents
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- CN113988826A CN113988826A CN202111222149.0A CN202111222149A CN113988826A CN 113988826 A CN113988826 A CN 113988826A CN 202111222149 A CN202111222149 A CN 202111222149A CN 113988826 A CN113988826 A CN 113988826A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
Abstract
The embodiment of the disclosure discloses a method and a device for managing multiple accounts, wherein the method comprises the steps of responding to a received request for deducting the amount of a target account, and judging whether the current balance of the target account meets the amount required to be deducted; if not, sending a request for mutually transferring the first preset limit to a pre-established temporary account; if the current balance in the temporary account does not meet the first preset limit for requesting mutual transfer, determining an account which can be called from the preset accounts so as to transfer a second preset limit from the account which can be called to the temporary account, and thus enabling the balance of the temporary account to meet the first preset limit for requesting mutual transfer; and transferring a first preset quota from the temporary account to the target account. The intelligent mutual transfer of the balance among the multiple accounts is realized through the temporary account, the utilization rate of the amount in the account is improved, and the condition of overstocked business is avoided. The technical problems of low account amount utilization rate and low service processing efficiency in the related technology are solved.
Description
Technical Field
The disclosure relates to the technical field of data processing, in particular to a method and a device for managing multiple accounts.
Background
In the related art, when managing multiple accounts, it is common to manage the accounts independently for different services, and in the daily management, when the amount of money of an account is used up, the account stops the operation on the fund of the corresponding service.
When the single traffic volume is increased or decreased, the above method can result in low account fund utilization efficiency and certain service backlog.
Disclosure of Invention
The main purpose of the present disclosure is to provide a method and an apparatus for managing multiple accounts.
In order to achieve the above object, according to a first aspect of the present disclosure, there is provided a method for managing among multiple accounts, including: in response to receiving a request for deducting the quota of the target account, judging whether the current balance of the target account meets the quota required to be deducted; if not, sending a request for mutually transferring the first preset limit to a pre-established temporary account; if the current balance in the temporary account does not meet the first preset limit for requesting mutual transfer, determining an account which can be called from the preset accounts so as to transfer a second preset limit from the account which can be called to the temporary account, and thus enabling the balance of the temporary account to meet the first preset limit for requesting mutual transfer; and transferring a first preset quota from the temporary account to the target account.
Optionally, after receiving the request for deducting the amount of the target account, the method further includes: acquiring data pre-configured for a target account; determining whether the current balance of the target account satisfies the preconfigured data; and if not, generating primary early warning data and sending the primary early warning data to a preset user side.
Optionally, the method further comprises: and if the fact that the invokable account does not exist in the preset accounts is determined, generating secondary early warning data, and sending the secondary early warning data to the preset user side.
Optionally, the method further comprises: and if the current balance in the temporary account meets a first preset limit for requesting mutual conversion, transferring the first preset limit from the temporary account to the target account.
Optionally, the method further comprises configuring a plurality of accounts, including: receiving data for configuring a plurality of accounts through a preset page, wherein the data comprises: and configuring minimum balance data for early warning for each account so as to judge whether the current balance of any account is greater than the configured minimum balance data after receiving a request for deducting the limit of any account in the plurality of accounts.
Optionally, the method further comprises configuring a plurality of accounts, including: receiving data for configuring a plurality of accounts through a preset page, wherein the data comprises: and configuring a corresponding service type for each account so as to judge whether the request meets the service type corresponding to any account after receiving the request for carrying out the quota deduction on any account in the plurality of accounts.
According to a second aspect of the present disclosure, there is provided an inter-account management apparatus, including: the judging unit is configured to respond to the received request for deducting the quota of the target account, and judge whether the current balance of the target account meets the quota which is requested to be deducted; the request unit is configured to send a request for mutually transferring a first preset limit to a pre-established temporary account if the request is not met; a determining unit configured to determine a callable account from the preset accounts to transfer a second preset amount from the callable account to the temporary account if the current balance in the temporary account does not satisfy the first preset amount requesting for the mutual transfer; and the transfer unit is configured to transfer a first preset quota from the temporary account to the target account.
As an optional implementation manner of this embodiment, the apparatus further includes: an acquisition unit configured to acquire data preconfigured for a target account; a balance determination unit configured to determine whether a current balance of the target account satisfies the preconfigured data; and the generating unit is configured to generate primary early warning data and send the primary early warning data to a preset user side if the primary early warning data is not satisfied.
According to a third aspect of the present disclosure, there is provided a computer-readable storage medium storing computer instructions for causing a computer to execute the method for managing multiple accounts according to any one of the implementation manners of the first aspect.
According to a fourth aspect of the present disclosure, there is provided an electronic device comprising: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to cause the at least one processor to perform the method for associating between multiple accounts according to any one of the implementations of the first aspect.
The management method and the device among the multiple accounts of the embodiment comprise the steps of responding to a received request for deducting the limit of a target account, and judging whether the current balance of the target account meets the limit required to be deducted; if not, sending a request for mutually transferring the first preset limit to a pre-established temporary account; if the current balance in the temporary account does not meet the first preset limit for requesting mutual transfer, determining an account which can be called from the preset accounts so as to transfer a second preset limit from the account which can be called to the temporary account, and thus enabling the balance of the temporary account to meet the first preset limit for requesting mutual transfer; and transferring a first preset quota from the temporary account to the target account. The intelligent mutual transfer of the balance among the multiple accounts is realized through the temporary account, the utilization rate of the amount in the account is improved, and the condition of overstocked business is avoided. The technical problems of low account amount utilization rate and low service processing efficiency in the related technology are solved.
Drawings
In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present disclosure, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a method of managing among multiple accounts according to an embodiment of the present disclosure;
fig. 2 is a schematic diagram of an electronic device according to an embodiment of the disclosure.
Detailed Description
In order to make the technical solutions of the present disclosure better understood by those skilled in the art, the technical solutions of the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are only some embodiments of the present disclosure, not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments disclosed herein without making any creative effort, shall fall within the protection scope of the present disclosure.
It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the present disclosure may be described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that, in the present disclosure, the embodiments and features of the embodiments may be combined with each other without conflict. The present disclosure will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
According to an embodiment of the present disclosure, there is provided a method for managing multiple accounts, as shown in fig. 1, the method includes the following steps 101 to 104:
step 101: and responding to the received request for deducting the quota of the target account, and judging whether the current balance of the target account meets the quota required to be deducted.
In this embodiment, a request for deducting a target account sent by a user side may be received. The request may include credit information to request deduction; the target account may be any one of a plurality of accounts corresponding to a certain business type (e.g., questionnaire survey business, questionnaire generation business). After receiving the request, it may first be determined whether the current balance of the target account satisfies the amount requested to be deducted.
As an optional implementation manner of this embodiment, after receiving a request for deducting the quota of the target account, the method further includes: acquiring data pre-configured for a target account; determining whether the current balance of the target account satisfies the preconfigured data; and if not, generating primary early warning data and sending the primary early warning data to a preset user side.
In this optional implementation manner, after a request for requesting to perform credit deduction on a target account is triggered, it may be first determined whether the current account needs to be pre-warned. Data pre-configured for a target account, including pre-configured minimum balance data, may be obtained first; and then judging whether the current balance data of the target account is larger than the lowest balance data or not, and if the current balance data of the target account is smaller than the lowest balance data, generating primary early warning data and sending the primary early warning data to a preset user side or a service side.
As an optional implementation manner of this embodiment, receiving data configuring a plurality of accounts through a preset page includes: and configuring minimum balance data for early warning for each account so as to judge whether the current balance of any account is greater than the configured minimum balance data after receiving a request for deducting the limit of any account in the plurality of accounts.
In this alternative implementation, the account is configured through an account configuration interface, including but not limited to configuration for early warning. Configurations for alerting include, but are not limited to, a minimum balance alert configuration for each account (the minimum balance value can be configured on the page, which can be modified); configuration of the early warning data (e.g., including early warning notification means, etc.) may also be included.
As an optional implementation manner of this embodiment, the method further includes configuring a plurality of accounts, including: receiving data for configuring a plurality of accounts through a preset page, wherein the data comprises: and configuring a corresponding service type for each account so as to judge whether the request meets the service type corresponding to any account after receiving the request for carrying out the quota deduction on any account in the plurality of accounts.
In the above optional implementation manner, the account is configured through the account configuration interface, including but not limited to configuration of a service type corresponding to the account. And each account is configured with one or more corresponding service types, so that the account can deduct money for the specific service type. For example, a deduction for the service type a cannot request a deduction for an account corresponding to the service type B.
The account allocation interface is used for allocating each account, and based on the configuration, intelligent mutual transfer of account amounts corresponding to different types of services is realized, the processing efficiency of the services in the aspect of finance can be greatly improved, and the backlog of the services is reduced.
Step 102: and if not, sending a request for mutually transferring the first preset limit to the pre-established temporary account.
In this embodiment, when the current balance of the target account is less than the amount requested to be deducted, a request for transferring money to the target account may be sent to the temporary account, and the first preset amount requested to transfer money may be determined based on the current balance, for example, 2 ten thousand are requested to be transferred to the account a, but the balance of the account a is 1 ten thousand, and 1 ten thousand, that is, the first preset amount, needs to be transferred from the temporary account. The first predetermined amount may also be a predetermined value.
If a method of direct mutual conversion among multiple accounts is adopted, financial confusion is caused, and the complexity of financial management is increased; meanwhile, the mutual transfer of multiple accounts is realized by requiring each account to simultaneously correspond to multiple accounts, so that the account finance is further difficult to manage. According to the embodiment, the temporary account is established and used as the intermediate account, so that each account does not need to be associated with the outside, and the management difficulty of the account is reduced.
Step 103: and if the current balance in the temporary account does not meet the first preset limit for requesting mutual transfer, determining the invokable account from the preset accounts so as to transfer a second preset limit from the invokable account to the temporary account, so that the balance of the temporary account meets the first preset limit for requesting mutual transfer.
In this embodiment, if the balance in the temporary account cannot satisfy the amount of the interchange request, it may be determined that the account may be invoked. The second predetermined amount may be determined by the balance of the temporary account and the first predetermined amount, for example, 1 ten thousand needs to be transferred from the temporary account, but the current balance of the temporary account is 4000, then a transfer 6000 from the invokable account may be requested, and the 6000 is the mutual request amount.
The preset account may be an account of the same service type as the target account, or may be any account without limitation. If the balance (or the pre-configured amount of mutually transferable funds) in the predetermined account is greater than a second predetermined amount, then it may be determined as an account invokable. After determining the account that can be called, a second preset amount in the account that can be called can be drawn into the temporary account.
It is understood that if there are multiple invokable accounts, the inter-conversion can be performed based on a predefined priority inter-conversion rule; obviously, multiple accounts can also be mutually converted simultaneously based on the preset quota allocation rule.
As an optional implementation manner of this embodiment, the method further includes: and if the current balance in the temporary account meets a first preset limit for requesting mutual conversion, transferring the first preset limit from the temporary account to the target account.
As an optional implementation manner of this embodiment, the method further includes: and if the fact that the invokable account does not exist in the preset accounts is determined, generating secondary early warning data, and sending the secondary early warning data to the preset user side.
In this optional implementation manner, if the balance of each account in all the preset accounts is less than the second preset limit, no callable account exists in the preset accounts.
Step 104: and transferring a first preset quota from the temporary account to the target account.
In the implementation, when the current balance of the temporary account meets the first preset limit requested to be allocated by the target account, the first preset limit of the temporary account is allocated to the target account. A
When the deduction request amount of a certain type of service is increased, if the balance among a plurality of accounts is mutually transferred in the related technology, the request backlog is inevitably caused, and the account amount cannot be fully utilized. Therefore, the method of the embodiment improves the utilization rate of the account amount while improving the service processing efficiency.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
According to an embodiment of the present disclosure, there is also provided an apparatus for implementing the method for managing multiple accounts, the apparatus including: an apparatus for managing among a plurality of accounts, comprising: the judging unit is configured to respond to the received request for deducting the quota of the target account, and judge whether the current balance of the target account meets the quota which is requested to be deducted; the request unit is configured to send a request for mutually transferring a first preset limit to a pre-established temporary account if the request is not met; a determining unit configured to determine a callable account from the preset accounts to transfer a second preset amount from the callable account to the temporary account if the current balance in the temporary account does not satisfy the first preset amount requesting for the mutual transfer; and the transfer unit is configured to transfer a first preset quota from the temporary account to the target account.
As an optional implementation manner of this embodiment, the apparatus further includes: an acquisition unit configured to acquire data preconfigured for a target account; a balance determination unit configured to determine whether a current balance of the target account satisfies the preconfigured data; and the generating unit is configured to generate primary early warning data and send the primary early warning data to a preset user side if the primary early warning data is not satisfied.
The embodiment of the present disclosure provides an electronic device, as shown in fig. 2, the electronic device includes one or more processors 21 and a memory 22, where one processor 21 is taken as an example in fig. 2.
The controller may further include: an input device 23 and an output device 24.
The processor 21, the memory 22, the input device 23 and the output device 24 may be connected by a bus or other means, which is exemplified in fig. 2.
The processor 21 may be a Central Processing Unit (CPU). The processor 21 may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or combinations thereof. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 22, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and modules, such as program instructions/modules corresponding to the control methods in the embodiments of the present disclosure. The processor 21 executes various functional applications of the server and data processing by running non-transitory software programs, instructions and modules stored in the memory 22, that is, implements the management method between multiple accounts of the above-described method embodiment.
The memory 22 may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to use of a processing device operated by the server, and the like. Further, the memory 22 may include high speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory 22 may optionally include memory located remotely from the processor 21, which may be connected to a network connection device via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The input device 23 may receive input numeric or character information and generate key signal inputs related to user settings and function control of the processing device of the server. The output device 24 may include a display device such as a display screen.
One or more modules are stored in the memory 22, which when executed by the one or more processors 21 perform the method as shown in fig. 1.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium, and when executed, the program can include the processes of the embodiments of the motor control methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-only memory (ROM), a Random Access Memory (RAM), a flash memory (FlashMemory), a hard disk (hard disk drive, abbreviated as HDD) or a Solid State Drive (SSD), etc.; the storage medium may also comprise a combination of memories of the kind described above.
Although the embodiments of the present disclosure have been described in conjunction with the accompanying drawings, those skilled in the art may make various modifications and variations without departing from the spirit and scope of the present disclosure, and such modifications and variations fall within the scope defined by the appended claims.
Claims (10)
1. A method for managing among multiple accounts is characterized by comprising the following steps:
in response to receiving a request for deducting the quota of the target account, judging whether the current balance of the target account meets the quota required to be deducted;
if not, sending a request for mutually transferring the first preset limit to a pre-established temporary account;
if the current balance in the temporary account does not meet the first preset limit for requesting mutual transfer, determining an account which can be called from the preset accounts so as to transfer a second preset limit from the account which can be called to the temporary account, and thus enabling the balance of the temporary account to meet the first preset limit for requesting mutual transfer;
and transferring a first preset quota from the temporary account to the target account.
2. The method for managing among multiple accounts according to claim 1, wherein after receiving the request for deducting the amount of the target account, the method further comprises:
acquiring data pre-configured for a target account;
determining whether the current balance of the target account satisfies the preconfigured data;
and if not, generating primary early warning data and sending the primary early warning data to a preset user side.
3. The method for managing multiple accounts according to claim 1, further comprising:
and if the fact that the invokable account does not exist in the preset accounts is determined, generating secondary early warning data, and sending the secondary early warning data to the preset user side.
4. The method for managing multiple accounts according to claim 1, further comprising:
and if the current balance in the temporary account meets a first preset limit for requesting mutual conversion, transferring the first preset limit from the temporary account to the target account.
5. The method for managing multiple accounts according to claim 1, wherein the method further comprises configuring multiple accounts, including:
receiving data for configuring a plurality of accounts through a preset page, wherein the data comprises: and configuring minimum balance data for early warning for each account so as to judge whether the current balance of any account is greater than the configured minimum balance data after receiving a request for deducting the limit of any account in the plurality of accounts.
6. The method for managing multiple accounts according to claim 1, wherein the method further comprises configuring multiple accounts, including:
receiving data for configuring a plurality of accounts through a preset page, wherein the data comprises: and configuring a corresponding service type for each account so as to judge whether the request meets the service type corresponding to any account after receiving the request for carrying out the quota deduction on any account in the plurality of accounts.
7. An apparatus for managing a plurality of accounts, comprising:
the judging unit is configured to respond to the received request for deducting the quota of the target account, and judge whether the current balance of the target account meets the quota which is requested to be deducted;
the request unit is configured to send a request for mutually transferring a first preset limit to a pre-established temporary account if the request is not met;
a determining unit configured to determine a callable account from the preset accounts to transfer a second preset amount from the callable account to the temporary account if the current balance in the temporary account does not satisfy the first preset amount requesting for the mutual transfer;
and the transfer unit is configured to transfer a first preset quota from the temporary account to the target account.
8. The apparatus for managing a plurality of accounts according to claim 7, further comprising:
an acquisition unit configured to acquire data preconfigured for a target account;
a balance determination unit configured to determine whether a current balance of the target account satisfies the preconfigured data;
and the generating unit is configured to generate primary early warning data and send the primary early warning data to a preset user side if the primary early warning data is not satisfied.
9. A computer-readable storage medium storing computer instructions for causing a computer to execute the method for managing multiple accounts according to any one of claims 1 to 6.
10. An electronic device, comprising: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, the computer program being executable by the at least one processor to cause the at least one processor to perform the method of associating between multiple accounts according to any one of claims 1 to 6.
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| CN202111222149.0A CN113988826A (en) | 2021-10-20 | 2021-10-20 | Method and device for managing multiple accounts |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2024050857A1 (en) * | 2022-09-06 | 2024-03-14 | 国网湖北省电力有限公司荆州供电公司 | Scheduling method and apparatus for shared power utilization, and electronic device and computer storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2024050857A1 (en) * | 2022-09-06 | 2024-03-14 | 国网湖北省电力有限公司荆州供电公司 | Scheduling method and apparatus for shared power utilization, and electronic device and computer storage medium |
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