CN114219665A

CN114219665A - Sub-account service processing method, device, electronic equipment, medium and product

Info

Publication number: CN114219665A
Application number: CN202111556471.7A
Authority: CN
Inventors: 李佳蓬; 张翱; 刘佳玥; 董弢
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-17
Filing date: 2021-12-17
Publication date: 2022-03-22

Abstract

The application relates to the field of data verification, in particular to a method, a device, electronic equipment, a medium and a product for processing a sub-account service, wherein the method comprises the following steps: and acquiring the fund amount of an account in the limit of the current user according to the payment application of the user, wherein the payment application comprises the payment amount. If the sum of the payment amount and the fund amount of the account in the limit of the current user exceeds the limit of the user, establishing an over-payment account of the user, distributing the exceeding fund amount into the over-payment account, and distributing the fund amount which is not exceeded into the account in the limit. And feeding back a payment processing result to the user, wherein the payment processing result comprises payment data. According to the scheme, the tax delay system automatically establishes the over-payment account and the allocation amount according to the payment application amount of the user, and feeds the payment results of the account in the amount and the over-payment account back to the user, so that the user is prevented from establishing the account and allocating the amount, and over-payment service is simplified.

Description

Sub-account service processing method, device, electronic equipment, medium and product

Technical Field

The present application relates to the field of data verification, and in particular, to a method, an apparatus, an electronic device, a medium, and a product for processing a sub-account service.

Background

The third prop of endowment money, namely, the product of individual investment commercial endowment money, is used as the important supplement of the basic endowment insurance of the first prop and the annual money/occupational annual money of the second prop enterprise, and is the key development field of the reform of the national endowment guarantee system. At present, the third support column is highly valued and strongly promoted by relevant departments, and various policies are being set.

And the third pillar designs an over-payment rule to allow the user to pay over. However, in the related art, the super payment requires the user to separately open a super payment account, the super payment account is independent of the account within the quota, and the user needs to frequently switch accounts when operating the services such as payment, investment, redemption, and getting, which affects the service efficiency.

Therefore, how to simplify the transaction of the overpayment account is a development problem facing the current third post.

Disclosure of Invention

The application provides a sub-account service processing method, device, electronic equipment, medium and product, which are used for simplifying a super-payment account service.

In a first aspect, the present application provides a method for processing a sub-account service, including: acquiring the fund amount of an account in the amount of the current user according to the payment application of the user, wherein the payment application comprises the payment amount; if the sum of the payment amount and the fund amount of the account in the current user's line exceeds the user's line, establishing an over-payment account of the user, distributing the exceeded fund amount to the over-payment account, and distributing the fund amount which is not exceeded to the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit; and feeding back a payment processing result to the user, wherein the payment processing result comprises the payment data.

In one possible implementation, the method further includes: acquiring the investment amount applied by a user and the fund amount of an account in the amount of the user at present; if the investment amount is larger than the fund amount of the account in the user's amount, accumulating the fund amount in the account in the user's amount and the super payment account according to a preset investment priority until the investment amount is reached; wherein the investment priority comprises that an account in the quota is prior to a super payment account; and executing investment application processing of the user based on the accumulated investment funds, and feeding back an investment processing result to the user, wherein the investment processing result comprises the investment amount.

In one possible implementation, the method further includes: acquiring a fund amount of a current overpayment account of a user according to a redemption application of the user, wherein the redemption application comprises a redemption amount; if the redemption amount is larger than the fund amount of the current over-payment account of the user, using the fund amounts in the account and the over-payment account of the user to accumulate according to a preset redemption priority until the redemption amount is reached; wherein the redemption priority includes over-payment accounts over on-line accounts; performing a redemption application process of the user based on the accumulated redemption funds, and feeding back a redemption process result to the user, the redemption process result including the redemption amount.

In one possible implementation, the method further includes: acquiring the dividend amount of the user; acquiring share proportion of the account in the user's line and share proportion of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account; and pushing a red-scoring processing result to the user, wherein the red-scoring processing result comprises the red-scoring amount.

In one possible implementation, the method further includes: acquiring the fund amount of a current overpayment account of the user according to a pickup application of the user, wherein the redemption application comprises the pickup amount; if the pickup amount is larger than the fund amount of the super-payment account of the current user, using the fund amounts in the account and the super-payment account of the user to accumulate according to a preset pickup priority until the pickup amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota; and executing the pickup application processing of the user based on the accumulated pickup funds, and feeding back a pickup processing result to the user, wherein the pickup processing result comprises the pickup amount.

In a second aspect, the present application provides a device for processing a sub-account service, including; the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring the fund amount of an account in the amount of a current user according to the payment application of the user, and the payment application comprises a payment amount; the processing module is used for establishing a super payment account of the user if the sum of the payment amount and the fund amount of the account in the current user's line exceeds the user's line, distributing the exceeded fund amount to the super payment account, and distributing the fund amount which is not exceeded to the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit; and the execution module is used for feeding back a payment processing result to the user, and the payment processing result comprises the payment data.

In a possible implementation manner, the obtaining module is further configured to obtain an investment amount applied by a user and a fund amount of an account in a current amount of the user; the processing module is further used for accumulating the fund amount in the user's account and the over-payment account according to a preset investment priority level until the investment amount is reached if the investment amount is larger than the fund amount in the user's account; wherein the investment priority comprises that an account in the quota is prior to a super payment account; the execution module is further configured to execute the investment application processing of the user based on the accumulated investment funds, and feed back an investment processing result to the user, where the investment processing result includes the investment amount.

In a possible implementation manner, the obtaining module is further configured to obtain a fund amount of a current overpaid account of the user according to a redemption application of the user, wherein the redemption application includes a redemption amount; the processing module is further used for accumulating the fund amount in the account in the user's line and the over-payment account according to a preset redemption priority level until the redeem amount is reached if the redeem amount is larger than the fund amount of the over-payment account of the current user; wherein the redemption priority includes over-payment accounts over on-line accounts; the execution module is further configured to execute a redemption application process of the user based on the accumulated redemption funds and feed back a redemption process result to the user, the redemption process result including the redemption amount.

In a possible implementation manner, the obtaining module is further configured to obtain a bonus amount of the user; the processing module is further used for acquiring share proportion of the account in the user's line and share proportion of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account; the execution module is further configured to push a reddening processing result to the user, where the reddening processing result includes the reddening amount.

In a possible implementation manner, the obtaining module is further configured to obtain a fund amount of a current overpayment account of the user according to a pickup application of the user, where the redemption application includes the pickup amount; the processing module is further used for accumulating the fund amount in the account and the over-payment account of the user according to a preset receiving priority if the receiving amount is larger than the fund amount of the over-payment account of the user until the receiving amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota; the execution module is further configured to execute the pickup application processing of the user based on the accumulated pickup funds, and feed back a pickup processing result to the user, where the pickup processing result includes the pickup amount.

In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively coupled to the processor; the memory stores computer-executable instructions; the processor executes computer-executable instructions stored by the memory to implement the method of any of the first aspects.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for execution by a processor to perform the method of any of the first aspects.

In a fifth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of the first aspect.

According to the sub-account service processing method, the sub-account service processing device, the electronic equipment, the medium and the product, the fund amount of the account in the amount of the user is obtained according to the payment application of the user, and the payment application comprises the payment amount. If the sum of the payment amount and the fund amount of the account in the amount of the current user exceeds the amount of the user, establishing an over-payment account of the user, distributing the exceeding fund amount to the over-payment account, and distributing the fund amount which is not exceeded to the account in the amount. And if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit. And feeding back a payment processing result to the user, wherein the payment processing result comprises the payment data. According to the scheme, the tax delay system automatically establishes the over-payment account and the allocation amount according to the payment application amount of the user, and feeds the payment results of the account in the amount and the over-payment account back to the user, so that the user is prevented from establishing the account and allocating the amount, and over-payment service is simplified.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.

Fig. 1 is a schematic view of an application scenario of a sub-account service processing method according to an embodiment of the present application;

fig. 2 is a schematic flowchart of a sub-account service processing method according to an embodiment of the present application;

FIG. 3 is an example of account billing provided by an embodiment of the present application;

FIG. 4 is an example of an account investment provided by an embodiment of the present application;

FIG. 5 is an example of account redemption provided by an embodiment of the present application;

FIG. 6 is an example of account bonus provided in an embodiment of the present application;

FIG. 7 is an example of account pickup provided by embodiments of the present application;

fig. 8 is a diagram illustrating a structure of a sub-account service processing apparatus according to a second embodiment of the present application;

fig. 9 is a device block diagram of a sub-account service processing device according to a third embodiment of the present application;

fig. 10 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present application.

With the above figures, there are shown specific embodiments of the present application, which will be described in more detail below. These drawings and written description are not intended to limit the scope of the inventive concepts in any manner, but rather to illustrate the inventive concepts to those skilled in the art by reference to specific embodiments.

Detailed Description

Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

The terms involved are explained first:

tax delay system: a software system for implementing a hyper-paying account mode;

the equity account: after the user purchases the investment product, the position of the product is called as the equity account, and the equity account has the points of quota and over payment according to the fund source during investment.

Fig. 1 is a schematic view of an application scenario of a sub-account service processing method provided in an embodiment of the present application, and as shown in fig. 1, the scenario includes: user 1, account 2, account 3 and user interface 4.

Exemplified in connection with the illustrated scenario: in the related art, the user 1 needs to switch the operation account 2 and the over-payment account 3 to transact services such as payment, investment and redemption. According to the embodiment of the application, the background tax delay system is used for transacting the payment, investment and redemption services of the account 2 and the over-payment account 3 in the quota for the user, the transacting result of the service is arranged and displayed on the user interface 4, the user does not need to switch the account transacting service, and the operation of the user is simplified.

The following describes an example of the embodiments of the present application with reference to the following embodiments.

Example one

Fig. 2 is a schematic flowchart of a method for processing a sub-account service according to an embodiment of the present application, where the method includes the following steps:

s101, obtaining the fund amount of an account in the amount of the current user according to the payment application of the user, wherein the payment application comprises a payment amount;

s102, if the sum of the payment amount and the fund amount of the account in the current user 'S line exceeds the user' S line, establishing a super payment account of the user, distributing the exceeded fund amount to the super payment account, and distributing the fund amount which is not exceeded to the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit;

s103, feeding back a payment processing result to the user, wherein the payment processing result comprises the payment data.

As an example, the execution subject of the embodiment may be a sub-account service processing apparatus, and the sub-account service processing apparatus is implemented in various ways. For example, the program may be software, or a medium storing a related computer program, such as a usb disk; alternatively, the apparatus may also be a physical device, such as a chip, an intelligent terminal, a computer, a server, etc., integrated with or installed with the relevant computer program.

In one example, S101 may specifically include: providing a payment application interface comprising payment amount options for a user; and acquiring the payment amount of the user according to the payment application filled by the user.

In one example, S102 may specifically include: acquiring identity information of a user; if the sum of the payment amount and the fund amount of the account in the line of the current user exceeds the line of the user, establishing a super payment account of the user according to the identity information of the user, distributing the exceeding fund amount into the super payment account, and distributing the fund amount which is not exceeded into the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit; and the super payment account is bound with the account in the quota.

In connection with the scenario example, as shown in fig. 3, fig. 3 is an account payment example. When the user pays, the tax delay system judges whether the payment is over-payment funds or funds in the amount. If the excessive payment funds are judged, establishing an excessive payment account, and recording the funds in the excessive payment account; if the fund is judged to be the fund in the amount, the fund is recorded in the account in the amount. The over-payment fund is a part of the sum of the user payment amount and the fund amount of the account in the user's line exceeding the user's line. And the fund in the quota is a part of which the sum of the payment amount of the user and the fund amount of the account in the quota of the user does not exceed the quota of the user. For example, if the fund amount of the account in the user's line is 1 ten thousand yuan, the user pays 3 ten thousand yuan, the user's line is 2 ten thousand yuan, and at this time, the sum of the user's payment amount and the fund amount of the account in the user's line is 4 ten thousand yuan, which exceeds the user's line, and the excess part is 2 ten thousand yuan. Recording the 2 ten thousand yuan beyond into the overdose account and recording the remaining 1 thousand yuan into the account in the amount.

Based on the above implementation mode, the user only needs to fill the payment amount in the payment application, and the tax delay system automatically judges and executes account payment in the amount and over-payment account payment, so that the operation of the user is reduced.

In one example, S103 may specifically include: the payment processing result is arranged in account information and fed back to the user; the account information comprises principal, balance and income of the account in the amount and the super payment account respectively; wherein the balance is the sum of principal and income in the account.

Optionally, the revenue does not occupy the user's quota.

Combining with the scene example, suppose that the user's amount is 2 ten thousand yuan, the fund amount of the account in the user's amount is 0, the user's payment amount is 3 ten thousand yuan, the result of paying is:

account name	Payment principal (Yuan)	Balance (Yuan)	Gain (Yuan)
				Account in quota	20000	20000	0
Super payment account	10000	10000	0

Because the sum of the payment amount of the user and the fund amount of the account in the user's line is 3 ten thousand yuan beyond the user's line by 2 ten thousand yuan, 1 ten thousand yuan beyond is recorded in the over-payment account, and 2 ten thousand yuan not beyond is recorded in the account in the line.

Based on the implementation mode, the tax delay system sorts the payment result of the user well and visually displays the payment result on the user interface, and the user can clearly know the information of the account in the limit and the over-payment account without performing complex operation.

In one example, the sub-account service processing method further includes: acquiring the investment amount applied by a user and the fund amount of an account in the amount of the user at present; if the investment amount is larger than the fund amount of the account in the user's amount, accumulating the fund amount in the account in the user's amount and the super payment account according to a preset investment priority until the investment amount is reached; wherein the investment priority comprises that an account in the quota is prior to a super payment account; and executing investment application processing of the user based on the accumulated investment funds, and feeding back an investment processing result to the user, wherein the investment processing result comprises the investment amount.

Specifically, the investment priority further comprises that the principal of the account in the quota is prior to the income of the account in the quota, and the principal of the over-payment account is prior to the income of the over-payment account.

Optionally, the investment includes, but is not limited to, a subscription, redemption, subscription, and withdrawal.

Optionally, the account amount in the amount can be obtained only on the premise of meeting the obtaining rule, and the over-payment account amount can be flexibly obtained, so that the account amount in the inflexible amount is preferentially used for investment.

Combining with a scene example, a user can use account funds in the amount and over-payment account funds to invest, the tax delay system receives the investment application of the user, and investment products meeting the user authority are pushed to the user according to the risk evaluation level of the user. The tax delay system initiates a transaction according to the investment application of the user, receives response information, stores and records the transaction information of the user, and performs rollback processing if the transaction request is abnormal. The tax delay system receives day transaction data including purchase applying reconciliation files, redeem reconciliation files and the like, performs reconciliation processing on the day transaction, and performs backspacing processing and informs a user if inconsistent information exists, so that the transaction information of the user is ensured to be correct and complete.

As one possible implementation, fig. 4 is an example of account investing, as shown in fig. 4. When a user invests, the tax delay system invests according to the investment amount and the preset priority, wherein the priority is as follows in sequence: the principal of the account in the quota is prior to the income of the account in the quota and is prior to the income of the over-payment account. And after the high-priority money is used up, selecting low-priority money according to the priority sequence to invest until the investment money of the user is reached. If the user investment amount is M, the payment principal of the account in the amount is A, the income of the account in the amount is B, the principal of the super payment account is C, and the income of the super payment account is D. And if the investment amount M of the user is less than the payment principal of the account in the limit, the payment principal of the account in the limit meets the investment amount of the user, and the payment principal in the limit uses M for investment. If the payment principal A of the account in the amount is less than the user investment amount and M is less than the payment principal of the account in the amount and is the sum of the A and the income B of the account in the amount, and the payment principal of the account in the amount does not meet the investment amount of the user, the payment principal of the account in the amount uses the A for investment, and the income of the account in the amount uses the residual part of the user investment amount, namely M-A for investment. If the payment principal of the account in the amount is the sum of A and income B of the account in the amount, less than the sum of the user investment amount M and less than the sum of the payment principal of the account in the amount, B and C, the payment principal in the amount uses A for investment, the income usage B of the account in the amount is used for investment, and the payment principal of the super payment account uses the residual part of the user investment amount, namely M-A-B for investment. If the payment principal of the account in the amount is the sum of A, the income B of the account in the amount and the principal C of the over-payment account, which is less than the sum of the user investment amount M, the payment principal of the account in the amount, A, the income B of the account in the amount, the principal C of the over-payment account and the income D of the over-payment account, the payment principal in the amount uses A for investment, the income B of the account in the amount is used for investment, the income C of the over-payment account is used for investment, and the surplus part of the user investment amount, namely M-A-B-C, is used for investment in the over-payment account income.

For example, assuming that a user purchases 26000 shares of X investment products, each with a net worth of 1, the processing results of the investment are:

account name	Product information	Payment principal (Yuan)	Income book gold (yuan)	Portion(s) of
					Quota-based equity account	X	20000	0	20000
Super-payment equity account	X	6000	0	6000

The balance information of the user after the investment is finished is as follows:

account name	Payment principal (Yuan)	Balance (Yuan)	Gain (Yuan)
				Account in quota	0	0	0
Super payment account	4000	4000	0

Since the user applies for the purchase of 26000 Yuan investment products, which exceed 20000 Yuan of the principal of the account in the user's amount, and the excess part is 6000 Yuan, the result of the tax delay system investing according to the predetermined priority is: and using 20000 yuan of the account in the credit line and 6000 yuan of the over-payment account to invest.

Based on the implementation mode, the user only needs to fill the investment amount in the investment application, the tax delay system automatically judges and executes the investment, and the tax delay system organizes the investment result of the user and visually displays the investment result on the user interface, so that the operation of the user is reduced.

In one example, the sub-account service processing method further includes: acquiring a fund amount of a current overpayment account of a user according to a redemption application of the user, wherein the redemption application comprises a redemption amount; if the redemption amount is larger than the fund amount of the current over-payment account of the user, using the fund amounts in the account and the over-payment account of the user to accumulate according to a preset redemption priority until the redemption amount is reached; wherein the redemption priority includes over-payment accounts over on-line accounts; performing a redemption application process of the user based on the accumulated redemption funds, and feeding back a redemption process result to the user, the redemption process result including the redemption amount.

In connection with the scenario example, as shown in FIG. 5, FIG. 5 is an account redemption example. When the user redeems, the tax delay system redeems according to the redemption amount of the redemption application and the preset priority, and the priority is as follows: the excess payment account income is prior to the excess payment account principal before the internal account income is prior to the internal account principal. And after the high-priority amount is redeemed, selecting the low-priority amounts in sequence according to the priority order for redemption until the redeeming amount applied by the user is reached. If the redeeming share applied by the user is N, the share held by the account in the quota is H, the share held by the over-payment account is K, the payment principal of the product of the over-payment account is X, the income principal of the product of the over-payment account is Y, the payment principal of the product of the account in the quota is X1, and the income principal of the product of the account in the quota is Y1. And if the redemption share N is less than the super-payment account holding share and is K, and the redemption share of the super-payment account meets the redemption share applied by the user, the super-payment account redeems N. If the over-payment account has the share of K < N < the account in the quota and has the share of H and the over-payment account has the share of K, and the redemption share of the over-payment account does not meet the redemption share applied by the user, the over-payment account redeems K, and the account in the quota redeems the remaining part of the user application redemption share, namely N-K.

By way of example, assuming that a user redeems 10000 shares of X investment product, each with a net worth of 1.2, the processing result of redemption is:

account name	Product information	Payment principal (Yuan)	Income book gold (yuan)	Portion(s) of
					Quota-based equity account	X	16000	0	16000
Super-payment equity account	X	0	0	0

The balance information of the user after the completion of the redemption is:

account name	Payment principal (Yuan)	Balance (Yuan)	Gain (Yuan)
				Account in quota	4000	4480	480
Super payment account	10000	11200	1200

Because the user applies for the redemption of 10000X investment products, which exceed 6000 shares of the user's investment of the overpayment account, and the excess is 4000 shares, the result of the redemption performed by the tax delay system according to the predetermined priority is: redeeming 6000 shares to the over-payment account, wherein the over-payment account originally has 4000 yuan, so that the payment principal of the over-payment account is 10000 yuan, and the balance is 4480 yuan obtained by multiplying the payment principal by the net value 1.2; and (4) redeeming 4000 shares of the account in the quota, wherein 0 originally remains in the account in the quota, so that the payment principal of the account in the quota is 4000 yuan, and the balance obtained by multiplying the payment principal by the net value of 1.2 is 11200 yuan.

Based on the above embodiment, the user only needs to fill in the redemption amount in the redemption application, the tax delay system automatically judges and executes the redemption, and the tax delay system neatly organizes the redemption result of the user, so that the redemption result is visually displayed on the user interface, and the operation of the user is reduced.

In one example, the sub-account service processing method further includes: acquiring the dividend amount of the user; acquiring share proportion of the account in the user's line and share proportion of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account; and pushing a red-scoring processing result to the user, wherein the red-scoring processing result comprises the red-scoring amount.

In connection with the scenario example, as shown in fig. 6, fig. 6 is an account bonus example. When investment products purchased by a user have dividend information, dividend of the account in the amount of the user and dividend of the over-payment account are calculated separately, the dividend amount of the user is multiplied by the share ratio of the account in the amount and the share ratio of the over-payment account respectively to obtain corresponding dividend, and the dividend is distributed to the account. And if the total bonus share of the user is P, the current share of the account in the quota is M, and the current share of the over-payment account is N. The account share proportion in the quota is the proportion of the current share of the account in the quota to the sum of the current share of the over-payment account, namely M/(M + N), the over-payment account share proportion is the proportion of the current share of the over-payment account to the sum of the current share of the account in the quota, namely N/(M + N), the total score red share P is respectively multiplied by the share proportion, the corresponding score red of the account in the quota is obtained to be P M/(M + N), and the corresponding score red of the over-payment account is P N/(M + N).

Based on the above implementation mode, the tax delay system automatically obtains corresponding dividends according to the shares of the accounts in the quota and the accounts over-paid, distributes the dividends to respective accounts, and reduces the operation of users.

In one example, the sub-account service processing method further includes: acquiring the fund amount of a current overpayment account of the user according to a pickup application of the user, wherein the redemption application comprises the pickup amount; if the pickup amount is larger than the fund amount of the super-payment account of the current user, using the fund amounts in the account and the super-payment account of the user to accumulate according to a preset pickup priority until the pickup amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota; and executing the pickup application processing of the user based on the accumulated pickup funds, and feeding back a pickup processing result to the user, wherein the pickup processing result comprises the pickup amount.

In connection with the scenario example, as shown in fig. 7, fig. 7 is an account pickup example. When a user draws, the tax delay system draws according to the drawing amount of the drawing application and a preset priority, wherein the priority is as follows in sequence: the excess payment account income is prior to the excess payment account principal before the internal account income is prior to the internal account principal. And after the high-priority amount is received, sequentially selecting the low-priority amount according to the priority order to receive the high-priority amount until the receiving amount applied by the user is reached. If the user draws M, the payment principal of the account in the amount is A, the income of the account in the amount is B, the payment principal of the super payment account is C, and the income of the super payment account is D. And if the user receiving amount M is less than the excess payment account income D, and the excess payment account income meets the user receiving amount, the excess payment account uses M. If the excess payment account income D is less than the sum of the user pickup amount and the excess payment account payment principal and the excess payment account income, the excess payment account income does not meet the user pickup amount, the excess payment account payment principal needs to be used, the excess payment account income D is used, and the excess payment account payment principal uses the residual part of the user pickup amount, namely M-D. If the sum of the super payment account payment principal and the super payment account income is less than the sum of the user receiving amount and the super payment account payment principal and the super payment account income and the account income in the amount, the account income in the amount needs to be used, the super payment account income uses D, the super payment account payment principal uses C, and the account income in the amount uses the residual part of the user receiving amount, namely M-C-D. If the sum of the super payment account payment principal and the super payment account income and the income of the account in the amount is less than the sum of the user pickup amount and the super payment account payment principal and the sum of the super payment account income and the income of the account in the amount, the amount of the payment principal is needed to be used, the super payment account income uses D, the super payment account payment principal uses C, the income of the account in the amount uses B, and the expense of the payment principal in the amount uses the residual part of the user pickup amount, namely M-B-C-D.

Based on the implementation mode, the user only needs to fill in the pickup amount in the pickup application, the tax delay system automatically judges and executes pickup, and the tax delay system sorts the pickup result of the user well and visually displays the pickup result on a user interface, so that the operation of the user is reduced.

In the sub-account service processing method provided by this embodiment, a fund amount of an account within a line of a current user is acquired according to a payment application of the user, where the payment application includes a payment amount. If the sum of the payment amount and the fund amount of the account in the amount of the current user exceeds the amount of the user, establishing an over-payment account of the user, distributing the exceeding fund amount to the over-payment account, and distributing the fund amount which is not exceeded to the account in the amount. And if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit. And feeding back a payment processing result to the user, wherein the payment processing result comprises the payment data. According to the scheme, the tax delay system automatically establishes the over-payment account and the allocation amount according to the payment application amount of the user, and feeds the payment results of the account in the amount and the over-payment account back to the user, so that the user is prevented from establishing the account and allocating the amount, and over-payment service is simplified.

Example two

Fig. 8 is a schematic structural diagram of a sub-account service processing apparatus according to a second embodiment of the present application, and as shown in fig. 8, the sub-account service processing apparatus includes:

the obtaining module 61 is configured to obtain a fund amount of an account in a line of a current user according to a payment application of the user, where the payment application includes a payment amount;

the processing module 62 is configured to establish a super payment account of the user if the sum of the payment amount and the fund amount of the account in the current amount of the user exceeds the amount of the user, allocate the exceeded fund amount to the super payment account, and allocate the fund amount that is not exceeded to the account in the amount; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit;

and the execution module 63 is configured to feed back a payment processing result to the user, where the payment processing result includes the payment data.

In an example, the obtaining module 61 is specifically configured to provide a payment application interface including a payment amount option for a user; and acquiring the payment amount of the user according to the payment application filled by the user.

In one example, the processing module 62 is specifically configured to obtain identity information of a user; if the sum of the payment amount and the fund amount of the account in the line of the current user exceeds the line of the user, establishing a super payment account of the user according to the identity information of the user, distributing the exceeding fund amount into the super payment account, and distributing the fund amount which is not exceeded into the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit; and the super payment account is bound with the account in the quota.

In connection with the scenario example, as shown in fig. 3, fig. 3 is an account payment example. When the user pays, the tax delay system judges whether the payment is over-payment funds or funds in the amount. If the excessive payment funds are judged, establishing an excessive payment account, and recording the funds in the excessive payment account; if the fund is judged to be the fund in the amount, the fund is recorded in the account in the amount. The over-payment fund is a part of the sum of the user payment amount and the fund amount of the account in the user's line exceeding the user's line. And the fund in the quota is a part of which the sum of the payment amount of the user and the fund amount of the account in the quota of the user does not exceed the quota of the user.

In one example, the execution module 63 is specifically configured to sort the result of the payment processing in account information and feed the result back to the user; the account information comprises principal, balance and income of the account in the amount and the super payment account respectively; wherein the balance is the sum of principal and income in the account.

Optionally, the revenue does not occupy the user's quota.

In an example, the obtaining module 61 is further configured to obtain an investment amount applied by the user and a fund amount of an account within a limit of the user currently; the processing module 62 is further configured to, if the investment amount is greater than the fund amount of the account in the user's amount, use the fund amount in the account in the user's amount and the super payment account to accumulate according to a predetermined investment priority until the investment amount is reached; wherein the investment priority comprises that an account in the quota is prior to a super payment account; the execution module 63 is further configured to execute the investment application processing of the user based on the accumulated investment fund, and feed back an investment processing result to the user, where the investment processing result includes the investment amount.

As one possible implementation, fig. 4 is an example of account investing, as shown in fig. 4. When a user invests, the tax delay system invests according to the investment amount and the preset priority, wherein the priority is as follows in sequence: the principal of the account in the quota is prior to the income of the account in the quota and is prior to the income of the over-payment account. And after the high-priority money is used up, selecting low-priority money according to the priority sequence to invest until the investment money of the user is reached. Assuming that the user purchases 26000 shares of X investment product, the net worth of each share is 1, the processing result of the investment is:

In one example, the obtaining module 61 is further configured to obtain a fund amount of a current overpayment account of the user according to a redemption application of the user, where the redemption application includes a redemption amount; the processing module 62 is further configured to, if the redemption amount is greater than the fund amount of the current overpayment account of the user, use the fund amounts in the user's account and the overpayment account to accumulate according to a predetermined redemption priority until the redemption amount is reached; wherein the redemption priority includes over-payment accounts over on-line accounts; an execution module 63, further configured to execute a redemption application process of the user based on the accumulated redemption funds and feed back a redemption process result to the user, the redemption process result including the redemption amount.

In connection with the scenario example, as shown in FIG. 5, FIG. 5 is an account redemption example. When the user redeems, the tax delay system redeems according to the redemption amount of the redemption application and the preset priority, and the priority is as follows: the excess payment account income is prior to the excess payment account principal before the internal account income is prior to the internal account principal. And after the high-priority amount is redeemed, selecting the low-priority amounts in sequence according to the priority order for redemption until the redeeming amount applied by the user is reached. Assuming that the user redeems 10000 shares of X investment product, the net value of each share is 1.2, the processing result of redemption is:

The balance information of the user after the completion of the redemption is:

Because the user applies for the redemption of 10000X investment products, which exceed 6000 shares of the user's investment of the overpayment account, and the excess is 4000 shares, the result of the redemption performed by the tax delay system according to the predetermined priority is: redeeming 6000 shares to the over-payment account, wherein the over-payment account originally has 4000 yuan, so that the payment principal of the over-payment account is 10000 yuan, and the balance is 4480 yuan obtained by multiplying the payment principal by the net value 1.2; redeeming 4000 shares to the account in the quota, wherein the account in the quota originally has 0 surplus, so that the payment principal of the account in the quota is 4000 yuan, and the balance obtained by multiplying the payment principal by the net value of 1.2 is 11200 yuan;

In an example, the obtaining module 61 is further configured to obtain a bonus amount of the user; the processing module 62 is further configured to obtain a share ratio of the account in the user's line and a share ratio of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account; the executing module 63 is further configured to push a reddening processing result to the user, where the reddening processing result includes the reddening amount.

In connection with the scenario example, as shown in fig. 6, fig. 6 is an account bonus example. When investment products purchased by a user have dividend information, dividend of the account in the amount of the user and dividend of the over-payment account are calculated separately, the dividend amount of the user is multiplied by the share ratio of the account in the amount and the share ratio of the over-payment account respectively to obtain corresponding dividend, and the dividend is distributed to the account.

In one example, the obtaining module 61 is further configured to obtain a fund amount of a current overpayment account of the user according to a pickup application of the user, where the redemption application includes the pickup amount; the processing module 62 is further configured to, if the pickup amount is greater than the fund amount of the super-payment account of the current user, use the fund amount in the account in the user's line and the fund amount in the super-payment account to accumulate according to a predetermined pickup priority until the pickup amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota; the execution module 63 is further configured to execute the pickup application processing of the user based on the accumulated pickup funds, and feed back a pickup processing result to the user, where the pickup processing result includes the pickup amount.

In connection with the scenario example, as shown in fig. 7, fig. 7 is an account pickup example. When a user draws, the tax delay system draws according to the drawing amount of the drawing application and a preset priority, wherein the priority is as follows in sequence: the excess payment account income is prior to the excess payment account principal before the internal account income is prior to the internal account principal. And after the high-priority amount is received, sequentially selecting the low-priority amount according to the priority order to receive the high-priority amount until the receiving amount applied by the user is reached.

In the device for processing the sub-account service provided by this embodiment, the obtaining module is configured to obtain, according to a payment application of a user, a fund amount of an account in a line of the user, where the payment application includes a payment amount. And the processing module is used for establishing a super payment account of the user if the sum of the payment amount and the fund amount of the account in the current limit of the user exceeds the limit of the user, distributing the exceeded fund amount to the super payment account, and distributing the fund amount which is not exceeded to the account in the limit. And if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit. And the execution module is used for feeding back a payment processing result to the user, and the payment processing result comprises the payment data. According to the scheme, the tax delay system automatically establishes the over-payment account and the allocation amount according to the payment application amount of the user, and feeds the payment results of the account in the amount and the over-payment account back to the user, so that the user is prevented from establishing the account and allocating the amount, and over-payment service is simplified.

EXAMPLE III

Fig. 9 is a block diagram illustrating an apparatus of a sub-accounting service processing apparatus, which may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, and the like, according to an exemplary embodiment.

The apparatus 800 may include one or more of the following components: a processing component 802, a memory 804, a power component 806, a multimedia component 808, an audio component 810, an input/output (I/O) interface 812, a sensor component 814, and a communication component 816.

The processing component 802 generally controls overall operation of the device 800, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing components 802 may include one or more processors 820 to execute instructions to perform all or a portion of the steps of the methods described above. Further, the processing component 802 can include one or more modules that facilitate interaction between the processing component 802 and other components. For example, the processing component 802 can include a multimedia module to facilitate interaction between the multimedia component 808 and the processing component 802.

The memory 804 is configured to store various types of data to support operations at the apparatus 800. Examples of such data include instructions for any application or method operating on device 800, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 804 may be implemented by any type or combination of volatile or non-volatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.

Power components 806 provide power to the various components of device 800. The power components 806 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for the apparatus 800.

The multimedia component 808 includes a screen that provides an output interface between the device 800 and a user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 808 includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the device 800 is in an operating mode, such as a shooting mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.

The audio component 810 is configured to output and/or input audio signals. For example, the audio component 810 includes a Microphone (MIC) configured to receive external audio signals when the apparatus 800 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signals may further be stored in the memory 804 or transmitted via the communication component 816. In some embodiments, audio component 810 also includes a speaker for outputting audio signals.

The I/O interface 812 provides an interface between the processing component 802 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.

The sensor assembly 814 includes one or more sensors for providing various aspects of state assessment for the device 800. For example, the sensor assembly 814 may detect the open/closed status of the device 800, the relative positioning of components, such as a display and keypad of the device 800, the sensor assembly 814 may also detect a change in the position of the device 800 or a component of the device 800, the presence or absence of user contact with the device 800, the orientation or acceleration/deceleration of the device 800, and a change in the temperature of the device 800. Sensor assembly 814 may include a proximity sensor configured to detect the presence of a nearby object without any physical contact. The sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 814 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.

The communication component 816 is configured to facilitate communications between the apparatus 800 and other devices in a wired or wireless manner. The device 800 may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 816 receives a broadcast signal or broadcast related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 816 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

In an exemplary embodiment, the apparatus 800 may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.

In an exemplary embodiment, a non-transitory computer-readable storage medium comprising instructions, such as the memory 804 comprising instructions, executable by the processor 820 of the device 800 to perform the above-described method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

Example four

Fig. 10 is a schematic structural diagram of an electronic device according to a fourth embodiment of the present application, and as shown in fig. 10, the electronic device includes:

a processor (processor)291, the electronic device further including a memory (memory) 292; a Communication Interface 293 and bus 294 may also be included. The processor 291, the memory 292, and the communication interface 293 may communicate with each other via the bus 294. Communication interface 293 may be used for the transmission of information. Processor 291 may call logic instructions in memory 294 to perform the methods of the embodiments described above.

Further, the logic instructions in the memory 292 may be implemented in software functional units and stored in a computer readable storage medium when sold or used as a stand-alone product.

The memory 292 is a computer-readable storage medium for storing software programs, computer-executable programs, such as program instructions/modules corresponding to the methods in the embodiments of the present application. The processor 291 executes the functional application and data processing by executing the software program, instructions and modules stored in the memory 292, so as to implement the method in the above method embodiments.

The memory 292 may include a program storage area and a data storage area, wherein the program storage 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 the use of the terminal device, and the like. Further, the memory 292 may include a high speed random access memory and may also include a non-volatile memory.

The present application provides a non-transitory computer-readable storage medium, in which computer-executable instructions are stored, and when executed by a processor, the computer-executable instructions are used to implement the method according to the foregoing embodiments.

The present application provides a computer program product, including a computer program, which when executed by a processor implements the method according to the foregoing embodiments.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. An account division service processing method is characterized by comprising the following steps:

acquiring the fund amount of an account in the amount of the current user according to the payment application of the user, wherein the payment application comprises the payment amount;

if the sum of the payment amount and the fund amount of the account in the current user's line exceeds the user's line, establishing an over-payment account of the user, distributing the exceeded fund amount to the over-payment account, and distributing the fund amount which is not exceeded to the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit;

and feeding back a payment processing result to the user, wherein the payment processing result comprises the payment data.

2. The method of claim 1, further comprising:

acquiring the investment amount applied by a user and the fund amount of an account in the amount of the user at present;

if the investment amount is larger than the fund amount of the account in the user's amount, accumulating the fund amount in the account in the user's amount and the super payment account according to a preset investment priority until the investment amount is reached; wherein the investment priority comprises that an account in the quota is prior to a super payment account;

and executing investment application processing of the user based on the accumulated investment funds, and feeding back an investment processing result to the user, wherein the investment processing result comprises the investment amount.

3. The method of claim 1, further comprising:

acquiring a fund amount of a current overpayment account of a user according to a redemption application of the user, wherein the redemption application comprises a redemption amount;

if the redemption amount is larger than the fund amount of the current over-payment account of the user, using the fund amounts in the account and the over-payment account of the user to accumulate according to a preset redemption priority until the redemption amount is reached; wherein the redemption priority includes over-payment accounts over on-line accounts;

performing a redemption application process of the user based on the accumulated redemption funds, and feeding back a redemption process result to the user, the redemption process result including the redemption amount.

4. The method of claim 1, further comprising:

acquiring the dividend amount of the user;

acquiring share proportion of the account in the user's line and share proportion of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account;

and pushing a red-scoring processing result to the user, wherein the red-scoring processing result comprises the red-scoring amount.

5. The method according to any one of claims 1-4, further comprising:

acquiring the fund amount of a current overpayment account of the user according to a pickup application of the user, wherein the redemption application comprises the pickup amount;

if the pickup amount is larger than the fund amount of the super-payment account of the current user, using the fund amounts in the account and the super-payment account of the user to accumulate according to a preset pickup priority until the pickup amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota;

and executing the pickup application processing of the user based on the accumulated pickup funds, and feeding back a pickup processing result to the user, wherein the pickup processing result comprises the pickup amount.

6. An account division service processing device, comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring the fund amount of an account in the amount of a current user according to the payment application of the user, and the payment application comprises a payment amount;

the processing module is used for establishing a super payment account of the user if the sum of the payment amount and the fund amount of the account in the current user's line exceeds the user's line, distributing the exceeded fund amount to the super payment account, and distributing the fund amount which is not exceeded to the account in the line; if the sum of the payment amount and the fund amount of the account in the limit of the current user does not exceed the limit of the user, distributing the payment amount to the account in the limit;

and the execution module is used for feeding back a payment processing result to the user, and the payment processing result comprises the payment data.

7. The apparatus of claim 6,

the acquisition module is also used for acquiring the investment amount applied by the user and the fund amount of the account in the amount of the user;

the processing module is further used for accumulating the fund amount in the user's account and the over-payment account according to a preset investment priority level until the investment amount is reached if the investment amount is larger than the fund amount in the user's account; wherein the investment priority comprises that an account in the quota is prior to a super payment account;

the execution module is further configured to execute the investment application processing of the user based on the accumulated investment funds, and feed back an investment processing result to the user, where the investment processing result includes the investment amount.

8. The apparatus of claim 6,

the obtaining module is further used for obtaining the fund amount of the current over-payment account of the user according to a redemption application of the user, wherein the redemption application comprises a redemption amount;

the processing module is further used for accumulating the fund amount in the account in the user's line and the over-payment account according to a preset redemption priority level until the redeem amount is reached if the redeem amount is larger than the fund amount of the over-payment account of the current user; wherein the redemption priority includes over-payment accounts over on-line accounts;

the execution module is further configured to execute a redemption application process of the user based on the accumulated redemption funds and feed back a redemption process result to the user, the redemption process result including the redemption amount.

9. The apparatus of claim 6,

the obtaining module is further configured to obtain the dividend amount of the user;

the processing module is further used for acquiring share proportion of the account in the user's line and share proportion of the over-payment account; the share proportion of the account in the quota is the proportion of the fund amount of the account in the quota in the total fund amount of the user, and the share proportion of the over-payment account is the proportion of the fund amount of the over-payment account in the total fund amount of the user; distributing the dividend amount of the user to the account in the quota and the over-payment account according to the quota proportion of the account in the quota and the quota proportion of the over-payment account;

the execution module is further configured to push a reddening processing result to the user, where the reddening processing result includes the reddening amount.

10. The apparatus according to any one of claims 6 to 9,

the obtaining module is further used for obtaining the fund amount of the current overpayment account of the user according to a pickup application of the user, and the redemption application comprises the pickup amount;

the processing module is further used for accumulating the fund amount in the account and the over-payment account of the user according to a preset receiving priority if the receiving amount is larger than the fund amount of the over-payment account of the user until the receiving amount is reached; wherein the picking priority comprises that a super payment account is superior to an account in the quota;

the execution module is further configured to execute the pickup application processing of the user based on the accumulated pickup funds, and feed back a pickup processing result to the user, where the pickup processing result includes the pickup amount.

11. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored by the memory to implement the method of any of claims 1-5.

12. A computer-readable storage medium having computer-executable instructions stored therein, which when executed by a processor, are configured to implement the method of any one of claims 1-5.

13. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-5 when executed by a processor.