CN114611732A - Automatic opening method and system for pre-stored account, electronic equipment and storage medium - Google Patents

Automatic opening method and system for pre-stored account, electronic equipment and storage medium Download PDF

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CN114611732A
CN114611732A CN202210224802.5A CN202210224802A CN114611732A CN 114611732 A CN114611732 A CN 114611732A CN 202210224802 A CN202210224802 A CN 202210224802A CN 114611732 A CN114611732 A CN 114611732A
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stored
account
stored account
user
application information
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徐冬欢
徐虹灿
姜芝林
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Ctrip Travel Information Service Shanghai Co Ltd
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Ctrip Travel Information Service Shanghai Co Ltd
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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
    • G06Q10/00—Administration; Management
    • G06Q10/02—Reservations, e.g. for tickets, services or events
    • 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
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/14—Travel agencies

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Abstract

The invention discloses a method and a system for automatically opening a pre-stored account, electronic equipment and a storage medium, wherein the method for automatically opening the pre-stored account comprises the following steps: configuring a pre-stored amount threshold; acquiring pre-stored account application information of a user; obtaining remittance amount of a user according to the pre-stored account application information; and if the remittance amount is larger than or equal to the pre-stored amount threshold value, generating a pre-stored account of the user according to the pre-stored account application information. The invention obtains the remittance amount of the user by obtaining the information of the pre-stored account applied by the user, and if the remittance amount is higher than the pre-stored amount threshold value of the business trip platform, the pre-stored account is automatically opened for the customer. The method and the system realize automation of the pre-stored account opening process, reduce the task load of staff of a business trip platform, improve the efficiency of opening the pre-stored account, meet the requirement of urgent need of a user for reservation and improve the use experience of the user.

Description

Automatic opening method and system for pre-stored account, electronic equipment and storage medium
Technical Field
The invention relates to the technical field of electronic information, in particular to an automatic opening method and system for a pre-stored account, electronic equipment and a storage medium.
Background
Prestoring is a settlement attribute, and a user consumes on a business platform through the prestoring. The current business trip platform provides the service of opening the account of prestoring for the user, needs pass through the examination and approval of a plurality of departments to need the operation of more off-line manual opening, it is longer with the time spent, can't satisfy the demand that the user worried about to book, influence user's use and experience.
Disclosure of Invention
The invention aims to overcome the defect that the pre-stored account opening service in the prior art needs more manual operations, and provides an automatic pre-stored account opening method, an automatic pre-stored account opening system, electronic equipment and a storage medium.
The invention solves the technical problems through the following technical scheme:
the invention provides an automatic opening method of a pre-stored account, which comprises the following steps:
configuring a pre-stored amount threshold;
acquiring pre-stored account application information of a user;
obtaining remittance amount of the user according to the pre-stored account application information;
and if the remittance amount is larger than or equal to the pre-stored amount threshold value, generating the pre-stored account of the user according to the pre-stored account application information.
Preferably, the step of obtaining the remittance amount of the user according to the pre-stored account application information includes:
and if the remittance amount is smaller than the pre-stored amount threshold value, prompting the user to remit money again.
Preferably, the pre-stored account application information includes a collection account corresponding to the user, and the collection account is an account for receiving remittance of the user;
the step of generating the pre-stored account of the user according to the pre-stored account application information comprises the following steps:
and updating the collection account into the pre-stored account.
Preferably, the step of obtaining the money transfer amount of the user according to the pre-stored account application information includes:
acquiring a receipt of the collection account;
and determining the remittance amount according to the receipt.
Preferably, the pre-stored account application information comprises a payment account of the user;
the step of obtaining the remittance amount of the user according to the pre-stored account application information comprises the following steps:
acquiring a payment bill appointed by the payment account;
determining the remittance amount according to the payment order.
Preferably, the step of acquiring the payment order specified by the payment account comprises:
acquiring a payment bill appointed by the payment account within a preset time period;
the step of determining the remittance amount based on the payment order comprises:
and when the number of the payment bills is more than 1, determining the remittance amount according to all the payment bills.
Secondly, the invention provides an automatic opening system for a pre-stored account, which comprises:
the configuration module is used for configuring a pre-stored amount threshold value;
the obtaining module is used for obtaining the application information of the pre-stored account of the user and obtaining the remittance amount of the user according to the application information of the pre-stored account;
and the generation module is used for generating the pre-stored account of the user according to the pre-stored account application information if the remittance amount is greater than or equal to the pre-stored amount threshold value.
Preferably, the pre-stored account automatic opening system includes:
and the prompting module is used for prompting the user to remit money if the remittance amount is smaller than the pre-stored amount threshold value.
The invention further provides an electronic device, which comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor executes the computer program to realize the automatic opening method of the pre-stored account.
Fourthly, the present invention provides a computer-readable storage medium, on which a computer program is stored, wherein the computer program, when executed by a processor, implements the above pre-stored account automatic opening method.
The positive progress effects of the invention are as follows:
the invention obtains the remittance amount of the user by obtaining the information of the pre-stored account applied by the user, and if the remittance amount is higher than the pre-stored amount threshold value of the business trip platform, the pre-stored account is automatically opened for the customer. The method and the system realize automation of the pre-stored account opening process, reduce the task load of staff of a business trip platform, improve the efficiency of opening the pre-stored account, meet the requirement of urgent need of a user for reservation and improve the use experience of the user.
Drawings
Fig. 1 is a flowchart of an automatic opening method for a pre-stored account according to embodiment 1 of the present invention;
fig. 2 is a flowchart of prompting a pre-stored account opening condition according to embodiment 1 of the present invention;
fig. 3 is a flowchart of automatically opening a pre-stored account according to a collection account according to embodiment 1 of the present invention;
fig. 4 is a flowchart of automatically opening a pre-stored account according to a payment account according to embodiment 1 of the present invention;
fig. 5 is a flowchart of cumulative payment slip determination of a remittance amount according to embodiment 1 of the present invention;
fig. 6 is a flowchart of automatically opening a pre-stored account by the travel management platform according to embodiment 1 of the present invention;
fig. 7 is an interaction flowchart of the client system and the business trip settlement system according to embodiment 1 of the present invention;
fig. 8 is a schematic structural diagram of an automatic pre-stored account opening system according to embodiment 2 of the present invention;
fig. 9 is a schematic structural diagram of an electronic device according to embodiment 3 of the present invention.
Detailed Description
The invention is further illustrated by the following examples, which are not intended to limit the scope of the invention.
Example 1
The embodiment provides an automatic opening method for a pre-stored account, which is mainly applied to a business travel platform, and when a user provides application information required by opening the pre-stored account, referring to fig. 1, the automatic opening method for the pre-stored account includes:
s1, configuring a pre-stored amount threshold;
and S2, obtaining the pre-stored account application information of the user.
The pre-stored account application information of the user comprises necessary information required for opening a pre-stored account, such as pre-stored funds, a payment account, a collection account and the like;
s3, obtaining remittance amount of the user according to the pre-stored account application information;
if the remittance amount is greater than or equal to the pre-stored amount threshold, go to step S4;
and S4, generating the pre-stored account of the user according to the pre-stored account application information.
According to the embodiment, the pre-stored account is automatically opened for the user meeting the fund requirement by comparing the first remittance amount of the user with the pre-stored amount threshold value, so that the experience feeling of the user is optimized, the efficiency of opening the pre-stored account is improved, the manual intervention flow in the opening process is reduced, and the requirement of the user for reservation is met.
In some embodiments, referring to FIG. 2, if the remittance amount is less than the pre-stored amount threshold, step S3 includes:
s5, prompting the user to remit money.
In this embodiment, the amount of money to be recharged for the first time (i.e., the remittance amount) by the user does not satisfy the requirement of the business travel platform (i.e., is greater than or equal to the threshold of the pre-stored amount), and in order to ensure that the pre-stored account of the user is successfully opened, prompt information may be sent to the user, where the prompt information includes prompt information on failure in opening the pre-stored account, prompt information on remittance required to be remitted, prompt information on remittance of the specific amount, and the like. According to the method and the device, manual intervention is not needed, the reason for the failure of opening the pre-stored account is automatically informed to the user, the communication efficiency is improved, and the use experience of the user is improved.
In some embodiments, the pre-stored account application information includes a collection account corresponding to the user, and the collection account is an account for receiving remittance from the user.
Referring to fig. 3, step S4 includes:
and S41, updating the collection account into a pre-stored account.
In the embodiment, the fund account of the pre-stored account of the user is the collection account of the business trip platform, so that the process of opening the pre-stored account is simplified, the efficiency of opening the pre-stored account is improved, and the use experience of the user is improved.
In some embodiments, referring to fig. 3, step S3 includes:
s31, obtaining a receipt of the collection account;
and S32, determining the remittance amount according to the receipt.
In the embodiment, the remittance amount of the user is determined according to the receipt of the appointed collection account of the business trip platform, and the appointed collection account of the business trip platform can identify the identity of the user, so that the step of identifying the corresponding user in opening the pre-stored account is simplified, and the efficiency of opening the pre-stored account is improved.
In some embodiments, the pre-stored account application information includes a payment account of the user, the payment account being an account from which the user pays the money transfer amount.
Referring to fig. 4, step S3 includes:
and S33, obtaining a payment order appointed by the payment account, wherein the appointed payment order is the payment order of the collection account appointed by the business trip platform for depositing the remittance amount by the user.
And S34, determining the remittance amount according to the payment bill.
In the embodiment, the payment account of the user is obtained according to the pre-stored account application information, and the remittance amount of the user is determined according to the appointed payment bill, so that the step of opening the pre-stored account, which needs to identify the corresponding user, is simplified, the remittance amount of the user can be accurately obtained, and the efficiency of opening the pre-stored account is improved.
In some embodiments, referring to fig. 5, step S33 includes:
s331, obtaining a payment bill appointed by a payment account in a preset time period;
step S34 includes:
and S341, when the number of the payment bills is more than 1, determining the remittance amount according to all the payment bills.
And when the number of the payment lists is equal to 1, determining the remittance amount according to the payment list, if the remittance amount is greater than or equal to the pre-stored amount threshold value, generating a pre-stored account of the user, if the remittance amount is less than the pre-stored amount threshold value, prompting the user to continue remittance, acquiring the payment list appointed by the payment account in the next preset time period, and repeating the steps S331 and S341 until the remittance amount is greater than or equal to the pre-stored amount threshold value, and automatically generating the pre-stored account of the user.
In this embodiment, the user may have a plurality of payment bills for payment accounts or a plurality of designated payment bills in one payment account during a period of time, accumulate all remittance amounts in the payment bills, determine a remittance amount of the final user to deposit in a collection account designated by the travel platform, compare the accumulated remittance amount with a pre-stored amount threshold, and if the sum meets the condition, generate a pre-stored account of the user. The method and the device for opening the pre-stored account automatically take the situation that the user needs to remit money for many times into consideration, improve the success rate of automatically opening the pre-stored account, and improve the use experience of the user.
The method for automatically opening the pre-stored account in this embodiment is described as follows:
fig. 6 is a service flow chart of the business trip management platform automatically opening the pre-stored account for the customer (company a), and fig. 7 is an interaction flow chart of the company a system and the business trip settlement system.
Firstly, business trip management personnel of company A is required to submit pre-stored applications from a business trip management homepage, sign pre-stored agreements and fill in related information (namely pre-stored account application information of a user), so that a business trip management platform can receive the will of the account required to be pre-stored by company A, at the moment, the business trip management platform can generate pre-stored application records (namely a to-be-opened application record list) in a settlement system, and the pre-stored application records are consistent with the pre-stored account application information of the user.
And secondly, the travel management platform guides company A to send money offline, and the finance of company A sends money to a designated business travel bank account (namely a money receiving account) according to a pre-stored protocol. The appointed business travel bank account is a special remittance account of company A, and the main account is convenient to receive and identify. The travel management platform will inquire whether a new receipt exists under the main account on the pre-stored application record. If a new receipt exists, the business trip settlement system checks the remittance amount, the receipt tries to automatically match the pre-stored application record (namely searching the associated opening record), and the matching logic is as follows:
1) and when the remittance amount of the receipt is greater than or equal to 5000 yuan (namely, a pre-stored amount threshold value set by the travel management platform), binding the application record with the receipt, and automatically opening pre-storage for the company A.
2) And when the remittance amount of the receipt is less than 5000 yuan, prompting the company A that the financial recharging amount does not meet the requirement, and recharging.
Based on the steps, the business trip settlement system can automatically complete pre-storage and opening, manual intervention is not needed in the opening process, and the opening efficiency is high.
Example 2
The embodiment provides an automatic opening system for a pre-stored account, referring to fig. 8, the automatic opening system for a pre-stored account includes:
the configuration module 1 is used for configuring a pre-stored amount threshold;
the obtaining module 2 is used for obtaining the application information of the pre-stored account of the user and obtaining the remittance amount of the user according to the application information of the pre-stored account;
and the generation module 3 is used for generating the pre-stored account of the user according to the pre-stored account application information if the remittance amount is greater than or equal to the pre-stored amount threshold value.
In some embodiments, referring to fig. 8, the pre-stored account auto-provisioning system includes:
and the prompting module 4 is used for prompting the user to remit the money if the remittance amount is smaller than the pre-stored amount threshold value.
In some embodiments, the pre-stored account application information includes a collection account corresponding to the user, and the collection account is an account for receiving remittance from the user;
the generating module 3 is further configured to update the collection account to a pre-stored account.
In some embodiments, the obtaining module 2 is further configured to obtain a receipt of the collection account;
and the determining module is used for determining the remittance amount according to the receipt.
In some embodiments, the pre-stored account application information includes a payment account of the user;
the acquisition module 2 is also used for acquiring a payment order appointed by the payment account;
and the determining module is used for determining the remittance amount according to the payment bill.
In some embodiments, the obtaining module 2 is further configured to obtain a payment slip specified by the payment account within a preset time period;
and the determining module is also used for determining the remittance amount according to all the payment bills when the number of the payment bills is more than 1.
It should be noted that, the implementation manner and the technical effect of each module in the pre-stored account automatic opening system of this embodiment may refer to the corresponding parts of embodiment 1, and therefore, details are not described herein again.
Example 3
The embodiment provides an electronic device, and fig. 9 is a schematic block diagram of the electronic device. The electronic device comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, and the automatic opening method of the pre-stored account of the embodiment 1 is realized when the processor executes the program. The electronic device 30 shown in fig. 9 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 9, the electronic device 30 may be embodied in the form of a general purpose computing device, which may be, for example, a server device. The components of the electronic device 30 may include, but are not limited to: the at least one processor 31, the at least one memory 32, and a bus 33 connecting the various system components (including the memory 32 and the processor 31).
The bus 33 includes a data bus, an address bus, and a control bus.
The memory 32 may include volatile memory, such as Random Access Memory (RAM)321 and/or cache memory 322, and may further include Read Only Memory (ROM) 323.
Memory 32 may also include a program/utility 325 having a set (at least one) of program modules 324, such program modules 324 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The processor 31 executes various functional applications and data processing, such as the pre-stored account auto-opening method according to embodiment 1 of the present invention, by running the computer program stored in the memory 32.
The electronic device 30 may also communicate with one or more external devices 34 (e.g., keyboard, pointing device, etc.). Such communication may be through an input/output (I/O) interface 35. Also, model-generating device 30 may also communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet) via network adapter 36. As shown in FIG. 9, network adapter 36 communicates with the other modules of model-generating device 30 via bus 33. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the model-generating device 30, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID (disk array) systems, tape drives, and data backup storage systems, to name a few.
It should be noted that although in the above detailed description several units/modules or sub-units/modules of the electronic device are mentioned, such a division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the units/modules described above may be embodied in one unit/module according to embodiments of the invention. Conversely, the features and functions of one unit/module described above may be further divided into embodiments by a plurality of units/modules.
Example 4
The present embodiment provides a computer-readable storage medium on which a computer program is stored, which when executed by a processor implements the pre-stored account auto-provisioning method of embodiment 1.
More specific examples, among others, that the readable storage medium may employ may include, but are not limited to: a portable disk, a hard disk, random access memory, read only memory, erasable programmable read only memory, optical storage device, magnetic storage device, or any suitable combination of the foregoing.
In a possible implementation manner, the present invention can also be implemented in the form of a program product, which includes program codes, and when the program product runs on a terminal device, the program codes are used for making the terminal device execute an automatic opening method for pre-stored accounts, which implements embodiment 1.
Where program code for carrying out the invention is written in any combination of one or more programming languages, the program code may execute entirely on the user device, partly on the user device, as a stand-alone software package, partly on the user device and partly on a remote device or entirely on the remote device.
While specific embodiments of the invention have been described above, it will be appreciated by those skilled in the art that this is by way of example only, and that the scope of the invention is defined by the appended claims. Various changes and modifications to these embodiments may be made by those skilled in the art without departing from the spirit and scope of the invention, and these changes and modifications are within the scope of the invention.

Claims (10)

1. The automatic pre-stored account opening method is characterized by comprising the following steps:
configuring a pre-stored amount threshold;
acquiring pre-stored account application information of a user;
obtaining remittance amount of the user according to the pre-stored account application information;
and if the remittance amount is larger than or equal to the pre-stored amount threshold value, generating the pre-stored account of the user according to the pre-stored account application information.
2. The pre-stored account automatic opening method as claimed in claim 1, wherein the step of obtaining the remittance amount of the user according to the pre-stored account application information comprises:
and if the remittance amount is smaller than the pre-stored amount threshold value, prompting the user to remit money again.
3. The pre-stored account automatic opening method according to claim 1, wherein the pre-stored account application information includes a collection account corresponding to the user, and the collection account is an account for receiving remittance of the user;
the step of generating the pre-stored account of the user according to the pre-stored account application information comprises the following steps:
and updating the collection account into the pre-stored account.
4. The pre-stored account automatic opening method according to claim 3, wherein the step of obtaining the remittance amount of the user according to the pre-stored account application information comprises:
acquiring a receipt of the collection account;
and determining the remittance amount according to the receipt.
5. The pre-stored account auto-provisioning method as claimed in claim 1, wherein the pre-stored account application information includes a payment account of the user;
the step of obtaining the remittance amount of the user according to the pre-stored account application information comprises the following steps:
acquiring a payment bill appointed by the payment account;
determining the remittance amount according to the payment order.
6. The pre-stored account auto-provisioning method as recited in claim 5, wherein said step of obtaining a payment order specified by said payment account comprises:
acquiring a payment order appointed by the payment account within a preset time period;
the step of determining the remittance amount based on the payment order comprises:
and when the number of the payment bills is more than 1, determining the remittance amount according to all the payment bills.
7. The automatic opening system for the pre-stored account is characterized by comprising the following steps:
the configuration module is used for configuring a pre-stored amount threshold value;
the obtaining module is used for obtaining the application information of the pre-stored account of the user and obtaining the remittance amount of the user according to the application information of the pre-stored account;
and the generation module is used for generating the pre-stored account of the user according to the pre-stored account application information if the remittance amount is greater than or equal to the pre-stored amount threshold value.
8. The pre-stored account auto-provisioning system of claim 7 wherein said pre-stored account auto-provisioning system comprises:
and the prompting module is used for prompting the user to remit money if the remittance amount is smaller than the pre-stored amount threshold value.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the pre-stored account auto-provisioning method of any one of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium on which a computer program is stored, the computer program, when executed by a processor, implementing the pre-stored account auto-provisioning method of any one of claims 1 to 6.
CN202210224802.5A 2022-03-09 2022-03-09 Automatic opening method and system for pre-stored account, electronic equipment and storage medium Pending CN114611732A (en)

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CN202210224802.5A CN114611732A (en) 2022-03-09 2022-03-09 Automatic opening method and system for pre-stored account, electronic equipment and storage medium

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