CN114782037A - Transaction processing method and device based on account management and electronic equipment - Google Patents

Transaction processing method and device based on account management and electronic equipment Download PDF

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Publication number
CN114782037A
CN114782037A CN202210453734.XA CN202210453734A CN114782037A CN 114782037 A CN114782037 A CN 114782037A CN 202210453734 A CN202210453734 A CN 202210453734A CN 114782037 A CN114782037 A CN 114782037A
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account
type
target
transaction
main
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黄浩
谢炜琪
杨彦生
马祥峰
张珊珊
刘圣海
余若婷
赵璁
庄滨滨
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202210453734.XA priority Critical patent/CN114782037A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

The embodiment of the application discloses a transaction processing method and device based on account management and electronic equipment, wherein the method comprises the following steps: receiving a transaction processing request; the transaction processing request is used for requesting to process the target transaction; determining the account type of the main account of the target user according to the transaction processing request; opening a sub-account of the main account according to the account parameters when the account type of the main account is the target account type and the main account is configured with preset account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business; and processing the target transaction through the sub-account so as to improve the efficiency of transaction processing.

Description

Transaction processing method and device based on account management and electronic equipment
Technical Field
The present invention relates to the field of transaction processing, and in particular, to a transaction processing method and apparatus based on account management, and an electronic device.
Background
As global economy integration and internationalization exchange have deepened, business processes for conducting transactions by different types of currencies have become more common. The user may have accounts corresponding to different types of currencies for different business processes. When the target transaction performed by the user involves multiple types of money, the account for performing the target transaction is usually manually determined by the user himself or a service person, or a new account is opened to perform the target transaction. However, the above approach may result in inefficient transaction processing.
Disclosure of Invention
In view of the above, the present application provides a transaction processing method and apparatus based on account management, and an electronic device, so as to improve the efficiency of transaction processing.
According to the technical scheme, the user information is acquired and processed, and the account of the user is managed on the premise of agreement of the user.
In a first aspect, the present application provides a transaction processing method based on account management, the method including:
receiving a transaction processing request; the transaction processing request is used for requesting to process the target transaction;
determining the account type of a main account of a target user according to the transaction processing request;
when the account type of the main account is the target account type and the main account is configured with preset account parameters, opening a sub-account of the main account according to the account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business;
and processing the target transaction through the sub-account.
In a possible implementation manner, determining an account type of a primary account of a target user according to a transaction processing request specifically includes:
determining information of a main account of a target user according to the transaction processing request;
and determining the account type of the primary account according to the information of the primary account.
In a possible implementation manner, determining the account type of the primary account according to the information of the primary account specifically includes:
determining the currency type of the target transaction according to the transaction processing request, and determining the currency type of the main account according to the information of the main account;
and when the currency type of the target transaction is inconsistent with the currency type of the primary account, determining the account type of the primary account according to the information of the primary account.
In a possible implementation manner, when the account type of the main account is the target account type and the main account is configured with preset account parameters, opening a sub-account of the main account according to the account parameters specifically includes:
determining whether the account type of the primary account is a target account type;
when the account type of the main account is the target account type, determining whether the main account is configured with preset account parameters or not;
and opening the sub-account of the main account according to the account parameters when the main account is configured with the preset account parameters.
In one possible implementation, the method further includes:
and when the account type of the primary account is not the target account type or the primary account is not configured with preset account parameters, processing the target transaction through the primary account.
In one possible implementation, the method further includes:
and when the account type of the main account is not the target account type or the main account is not configured with preset account parameters, refusing to process the target transaction.
In a possible implementation manner, when the account type of the primary account is the target account type and the primary account is configured with preset account parameters, before opening a sub-account of the primary account according to the account parameters, the method further includes:
and acquiring preset account parameters of the main account.
In a second aspect, the present application provides a transaction processing device based on account management, the device comprising:
a transaction request receiving unit for receiving a transaction processing request; the transaction processing request is used for requesting to process the target transaction;
the account type determining unit is used for determining the account type of the main account of the target user according to the transaction processing request;
the sub-account opening unit is used for opening a sub-account of the main account according to the account parameters when the account type of the main account is the target account type and the main account is configured with preset account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business;
and the target transaction processing unit is used for processing the target transaction through the sub-account.
In a third aspect, the present application provides an electronic device, where the electronic device includes a processor and a memory, where the memory stores codes, and the processor is configured to call the codes stored in the memory to execute any one of the above methods.
In a fourth aspect, the present application provides a computer-readable storage medium for storing a computer program for performing any of the above methods.
Drawings
Fig. 1 is a flowchart of a transaction processing method based on account management according to an embodiment of the present application;
FIG. 2 is a schematic structural diagram of a transaction processing device based on account management according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
In order to facilitate understanding of the technical solutions provided in the embodiments of the present application, a transaction processing method, a transaction processing apparatus, and an electronic device based on account management provided in the embodiments of the present application are described below with reference to the accompanying drawings.
While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be embodied in various forms and should not be limited to the embodiments set forth herein. Other embodiments, which can be derived by those skilled in the art from the embodiments in the present application without making any inventive contribution, are also within the scope of the present application.
In the claims and specification of the present application and in the drawings accompanying the description, the terms "comprise" and "have" and any variations thereof, are intended to cover non-exclusive inclusions.
Currently, users may have accounts corresponding to different types of currencies for different business processes. When the target transaction performed by the user involves multiple types of money, the account for performing the target transaction is usually manually determined by the user himself or a service person, or a new account is opened to perform the target transaction. However, the above approach may result in inefficient transaction processing.
Based on this, in the embodiment of the present application provided by the applicant, when it is determined that the account type of the main account of the target user is the target account type and the main account is configured with preset account parameters, opening a sub-account of the main account according to the account parameters, where the currency type of the sub-account is the currency type of the target service. The target transaction processing is carried out in a mode of automatically opening the sub-account, and the transaction processing efficiency can be improved. In addition, as the currency type of the sub-account is the same as that of the target transaction, the conversion loss caused by currency conversion can not be generated when the target transaction is processed, and the loss of the user is reduced.
The application provides a transaction processing method based on account management.
Referring to fig. 1, fig. 1 is a flowchart illustrating a transaction processing method based on account management according to an embodiment of the present disclosure.
In the embodiment of the application, the acquisition and processing of the user information and the management of the account of the user are carried out on the premise of the agreement of the user.
As shown in fig. 1, the transaction processing method based on account management in the embodiment of the present application includes S101-S104.
S101, receiving a transaction processing request; wherein the transaction processing request is used for requesting processing of the target transaction.
And S102, determining the account type of the main account of the target user according to the transaction processing request.
In the embodiment of the application, the target user is a user needing to perform the target transaction.
The primary account is an account of the target user.
S103, opening a sub-account of the main account according to the account parameters when the account type of the main account is the target account type and the main account is configured with preset account parameters; wherein, the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business.
The target account type and account parameters are preset.
The sub-account is a sub-account of the opened primary account.
The currency type of the target transaction refers to which type of currency the target transaction is transacted with.
The currency type of the sub-account refers to which type of currency is used for transactions made through the sub-account.
And S104, processing target transaction through the sub-account.
Since the currency type of the sub-account is consistent with that of the target business, no conversion loss is generated when the target transaction is carried out through the sub-account.
By adopting the technical scheme of the embodiment of the application, the account type of the main account of the target user is determined to be the target account type, when the main account is configured with the preset account parameters, the sub-account of the main account is opened according to the account parameters, and the currency type of the sub-account is the currency type of the target service. The target transaction processing is carried out in a mode of automatically opening the sub-account, and the transaction processing efficiency can be improved. In addition, because the currency type of the sub-account is the same as that of the target transaction, the conversion loss caused by currency conversion is not generated when the target transaction is processed, and the loss of the user is reduced.
The embodiment of the application also provides a transaction processing method based on account management.
In the embodiment of the application, the acquisition and processing of the user information and the management of the account of the user are carried out on the premise of the agreement of the user.
The transaction processing method based on account management of the embodiment of the application comprises S201-S211.
S201, receiving a transaction processing request; wherein the transaction processing request is used for requesting processing of the target transaction.
In some possible implementations, the transaction processing request may be issued by a user or by a service person.
S202, determining user information of a target user and a transaction type of a target transaction according to a transaction processing request; the user information comprises information of a main account of the target user.
In the embodiment of the application, the target user is a user needing to perform target transaction, and the main account and the sub-account are accounts of the target user.
S203, determining whether the transaction type of the target transaction is the target transaction type.
If yes, executing S204; otherwise, S211 is performed.
The target transaction type is preset, and when the transaction type of the target transaction is determined to be the target transaction type, the subsequent operation is carried out.
For example, the target transaction type may include a loan transaction.
In a possible implementation manner, after the transaction type of the target transaction is determined to be the target transaction type, the transaction direction of the target transaction can be determined; and when it is determined that the transaction direction of the target transaction is the preset transaction direction, S204 is performed.
In one possible implementation, the transaction direction of the target transaction may be determined from the transaction processing request.
For example, the direction of the debit may be determined based on the transaction processing request, thereby determining the transaction direction for the target transaction.
S204, determining the currency type of the target transaction according to the transaction processing request, and determining the currency type of the primary account according to the information of the primary account.
And when the transaction type of the target transaction is determined to be the target transaction type, determining the currency type of the target transaction according to the transaction processing request, and determining the currency type of the main account according to the information of the main account.
The currency type of the target transaction refers to which type of currency the target transaction is transacted with.
The currency type of the primary account refers to which type of currency is used for transactions made through the primary account.
And S205, when the currency type of the target transaction is inconsistent with the currency type of the primary account, determining the account type of the primary account according to the information of the primary account.
The currency type of the primary account is utilized in conducting transactions through the primary account and the currency type of the target transaction is utilized in conducting the target transaction. Therefore, if the target transaction is performed through the primary account, the exchange loss may be generated due to the inconsistency between the currency type of the target transaction and the currency type of the primary account, thereby causing economic loss of the target user.
S206, determining whether the account type of the primary account is the target account type; where a primary account of a target account type may have one or more sub-accounts of different currency types.
If yes, executing S207; otherwise, S211 is performed.
The target account type is preset, and a primary account of the target account type may have one or more sub-accounts of different currency types.
The currency type of the sub-account refers to which type of currency is used for transactions made through the sub-account.
The currency type of one or more sub-accounts may be different for a primary account of a target account type, as may the currency type of the primary account and the one or more sub-accounts.
For example, the primary account may have a one-pass account with one or more sub-accounts of different currency types.
And S207, determining whether the main account is configured with preset account parameters or not according to the information of the main account.
If yes, executing S208; otherwise, S211 is performed.
And when the type of the main account is determined to be the target account type, determining whether the main account is configured with preset account parameters or not according to the information of the main account.
The account parameters are pre-configured in the primary account.
For a primary account of a user, preset account parameters may or may not be pre-configured.
When the main account is configured with preset account parameters, the main account is allowed to automatically open the sub-account.
The following is a specific implementation of the account parameters of the primary account provided in the embodiments of the present application.
The account parameters of the primary account may include at least one of: the institution number of the transaction process, the transaction code, the transaction currency, the transaction channel, the transaction currency, the transaction products of the main account, and the transaction products of the sub-account, etc.
The transaction currency may include: indonesia (IDR), US dollars (United States villar, USD), Euro (EUR), and the like.
The transaction channel may include: an Automated Teller Machine front-end processor system (ATMP), a business website (e.g., NETB), client software (e.g., MOTO), and the like.
And configuring parameters for automatically opening the sub-accounts according to the plurality of dimensions aiming at different transaction scenes.
And S208, acquiring preset account parameters of the primary account.
And when the preset account parameters configured in the main account are determined according to the information of the main account, the preset account parameters of the main account are obtained.
S209, opening a sub-account of the main account according to the account parameters, wherein the currency type of the sub-account is the currency type of the target service.
And opening the sub-account of the main account according to the account parameters pre-configured in the main account.
The primary account and the sub-account are both accounts of the target user.
The currency type of the primary account of the target user is different from that of the target transaction, and if the target transaction is performed through the primary account, the conversion loss caused by currency conversion may be generated. At this time, a sub-account of the main account is opened. Because the currency type of the sub-account is the currency type of the target business, no conversion loss is generated when the target transaction is carried out through the sub-account.
In a possible implementation manner, before opening a sub-account of a main account according to the account parameters, the information of the sub-account to be opened may be determined according to the obtained user information of the target user.
And opening the sub account of the main account according to the information of the sub account to be opened.
And S210, processing the target transaction through the sub-account.
Because the currency type of the sub-account is the currency type of the target business, the exchange loss can not be generated when the target transaction is carried out through the sub-account.
And S211, processing the target transaction through the main account.
Processing the target transaction through the primary account when it is determined that the transaction type of the target transaction is not the target transaction type.
Processing the target transaction through the primary account is performed when it is determined that the type of the primary account is not the target account type. A primary account of a target account type may have one or more sub-accounts of different currency types that may not be characterized as the target account type when the type of primary account is not the target account type, thereby making it difficult to implement the functionality of the primary account of the target account type.
And when the preset account parameters are not configured in the main account according to the information of the main account, processing the target transaction through the main account. When the main account is configured with preset account parameters, the main account is allowed to automatically open the sub-account. Therefore, when the main account is determined not to be configured with the preset account parameters, the operation of opening the sub-account is not performed. In addition, the preset account parameters can be configured by the main account when the sub-account is opened.
In one possible implementation, the processing of the rejection of the target transaction may also be prohibited when it is determined that the type of the primary account is not the target account type.
By adopting the technical scheme of the embodiment of the application, after a transaction processing request is received, whether a target transaction is a target transaction type or not, whether the currency types of the target transaction and the main account are consistent or not, the account type of the main account and whether the main account is configured with preset account parameters or not are sequentially determined, and when the target transaction type is the target transaction type, the currency types of the target transaction and the main account are inconsistent, the account type of the main account is the target account type and the main account is configured with the preset account parameters, a sub-account of the main account is opened according to the obtained account parameters, and the target transaction is processed through the sub-account. The target transaction processing is carried out in a mode of automatically opening the sub-account, the processing process of the target user and the business personnel is simplified, and the transaction processing efficiency can be improved. In addition, because the currency type of the sub-account is the same as that of the target transaction, the conversion loss caused by currency conversion is not generated when the target transaction is processed, and the loss of the user is reduced.
The application also provides a transaction processing device based on account management.
Referring to fig. 2, fig. 2 is a schematic structural diagram of a transaction processing apparatus based on account management according to an embodiment of the present disclosure.
In the embodiment of the application, the acquisition and processing of the user information and the management of the account of the user are carried out on the premise of the agreement of the user.
The transaction processing device 200 based on account management according to the embodiment of the present application includes the following units:
a transaction request receiving unit 201 for receiving a transaction processing request; the transaction processing request is used for requesting to process the target transaction;
an account type determining unit 202, configured to determine an account type of a primary account of a target user according to the transaction processing request;
the sub-account opening unit 203 is configured to, when the account type of the main account is the target account type and the main account is configured with preset account parameters, open a sub-account of the main account according to the account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business;
and the target transaction processing unit 204 is used for processing the target transaction through the sub-account.
The units included in the transaction processing device 200 based on account management can achieve the same technical effects as those of the transaction processing device method based on account management in the above embodiments, and are not described herein again to avoid repetition.
The embodiment of the application further provides the electronic equipment.
Referring to fig. 3, fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.
As shown in fig. 3, the electronic device 300 according to the embodiment of the present application includes a processor 301 and a memory 302, where the memory 302 stores codes, and the processor 301 is configured to call the codes stored in the memory 302 to execute any one of the above-mentioned transaction processing device methods based on account management.
The units included in the electronic device 300 can achieve the same technical effects as those of the transaction processing apparatus method based on account management in the above embodiments, and are not described herein again to avoid repetition.
In an embodiment of the present application, a computer-readable storage medium is further provided, where the computer-readable storage medium is used for storing a computer program, and the computer program is used for executing the above transaction processing apparatus method based on account management, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A transaction processing method based on account management, the method comprising:
receiving a transaction processing request; wherein the transaction processing request is used for requesting to process a target transaction;
determining the account type of a main account of a target user according to the transaction processing request;
when the account type of the main account is a target account type and the main account is configured with preset account parameters, opening a sub-account of the main account according to the account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business;
and processing the target transaction through the sub-account.
2. The method of claim 1, wherein determining the account type of the primary account of the target user based on the transaction processing request comprises:
determining information of a primary account of the target user according to the transaction processing request;
and determining the account type of the primary account according to the information of the primary account.
3. The method according to claim 2, wherein the determining the account type of the primary account according to the information of the primary account specifically includes:
determining the currency type of the target transaction according to the transaction processing request, and determining the currency type of the primary account according to the information of the primary account;
and when the currency type of the target transaction is inconsistent with the currency type of the primary account, determining the account type of the primary account according to the information of the primary account.
4. The method according to claim 1, wherein when the account type of the primary account is a target account type and the primary account is configured with preset account parameters, opening the sub-account of the primary account according to the account parameters specifically includes:
determining whether the account type of the primary account is a target account type;
when the account type of the primary account is a target account type, determining whether the primary account is configured with preset account parameters;
and when the main account is configured with preset account parameters, opening the sub-account of the main account according to the account parameters.
5. The method of claim 1, further comprising:
and when the account type of the main account is not the target account type or the main account is not configured with preset account parameters, processing the target transaction through the main account.
6. The method of claim 1, further comprising:
and when the account type of the main account is not the target account type or the main account is not configured with preset account parameters, refusing to process the target transaction.
7. The method according to claim 1, wherein when the account type of the primary account is a target account type and the primary account is configured with preset account parameters, before opening the sub-account of the primary account according to the account parameters, the method further comprises:
and acquiring preset account parameters of the main account.
8. An account management based transaction processing apparatus, the apparatus comprising:
a transaction request receiving unit for receiving a transaction processing request; wherein the transaction processing request is used for requesting processing of a target transaction;
the account type determining unit is used for determining the account type of the main account of the target user according to the transaction processing request;
the sub-account opening unit is used for opening a sub-account of the main account according to the account parameters when the account type of the main account is a target account type and the main account is configured with preset account parameters; the main account of the target account type can have one or more sub-accounts of different currency types, and the currency type of the sub-account of the main account is the currency type of the target business;
and the target transaction processing unit is used for processing the target transaction through the sub-account.
9. An electronic device comprising a processor and a memory, wherein the memory stores code and the processor is configured to invoke the code stored in the memory to perform the method of any of claims 1 to 7.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any of claims 1 to 7.
CN202210453734.XA 2022-04-27 2022-04-27 Transaction processing method and device based on account management and electronic equipment Pending CN114782037A (en)

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Application Number Priority Date Filing Date Title
CN202210453734.XA CN114782037A (en) 2022-04-27 2022-04-27 Transaction processing method and device based on account management and electronic equipment

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Application Number Priority Date Filing Date Title
CN202210453734.XA CN114782037A (en) 2022-04-27 2022-04-27 Transaction processing method and device based on account management and electronic equipment

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CN114782037A true CN114782037A (en) 2022-07-22

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