WO2019095847A1 - 账户信息管理方法及装置 - Google Patents

账户信息管理方法及装置 Download PDF

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Publication number
WO2019095847A1
WO2019095847A1 PCT/CN2018/106929 CN2018106929W WO2019095847A1 WO 2019095847 A1 WO2019095847 A1 WO 2019095847A1 CN 2018106929 W CN2018106929 W CN 2018106929W WO 2019095847 A1 WO2019095847 A1 WO 2019095847A1
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WIPO (PCT)
Prior art keywords
user
information
transaction operation
operation information
account
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PCT/CN2018/106929
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English (en)
French (fr)
Inventor
王蕾
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阿里巴巴集团控股有限公司
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Publication date
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Priority to EP18877435.0A priority Critical patent/EP3690781A4/en
Priority to SG11202002328QA priority patent/SG11202002328QA/en
Publication of WO2019095847A1 publication Critical patent/WO2019095847A1/zh
Priority to US16/794,113 priority patent/US20200184552A1/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
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/248—Presentation of query results
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll
    • 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
    • G06Q40/12—Accounting
    • G06Q40/128—Check-book balancing, updating or printing arrangements

Definitions

  • the embodiments disclosed in the present specification relate to the field of Internet technologies, and in particular, to an account information management method and apparatus.
  • the transaction information is more and more complicated, and more and more aspects are involved.
  • transaction operation information associated with other users is often included, for example, a user purchases clothes, toys, teaching materials, snacks, and children's education funds for his own child. Wait, or buy health supplies, travel packages, etc. for your parents. Therefore, a more effective method is needed to comprehensively manage the user's electronic account information.
  • the present specification describes an account information management method and apparatus for creating a second user's information table associated with a first user by using a first account of the first user, so that the first user can conveniently access the second user through the first account.
  • the transaction operation information is managed.
  • an account information management method includes:
  • the second transaction operation information is included in a second user information table in the first account.
  • an account information management apparatus includes:
  • An acquiring unit configured to acquire information about a second user associated with the first user when receiving an instruction that the first user manages the first account, and obtain the first user by using the first The first transaction operation information of the transaction operation of the account;
  • a determining unit configured to determine, according to a preset matching condition, second transaction operation information associated with the second user from the first transaction operation information
  • a processing unit configured to include the second transaction operation information in a second user information table in the first account.
  • the method and device for managing account information provided by the present specification, by acquiring the first transaction operation information of the transaction operation performed by the first user through the first account, determining the second transaction operation information from the first transaction operation information according to the preset matching condition
  • the second transaction operation information associated with the user, and the second transaction operation information is included in the second user information table in the first account, thereby implementing the first user to create the second user information table through the first account thereof, and
  • the second transaction operation information associated with the second user in the second user information table is managed.
  • FIG. 1 is a schematic diagram of an application scenario of an account information management method according to an embodiment of the present disclosure
  • FIG. 2 is a flowchart of an account information management method provided by an embodiment of the present disclosure
  • FIG. 3 is a schematic diagram of a terminal interface for inputting second user information according to an embodiment of the present disclosure
  • FIG. 4 is a schematic diagram of first transaction operation information provided by an embodiment of the present disclosure.
  • FIG. 5 is a schematic diagram of a second user information table provided by an embodiment of the present disclosure.
  • FIG. 6 is a flowchart of an account information management method according to another embodiment of the present disclosure.
  • FIG. 7 is a schematic diagram of a category report in a second user information table provided by an embodiment of the present disclosure.
  • FIG. 8 is a schematic structural diagram of an account information management apparatus according to an embodiment of the present disclosure.
  • FIG. 1 is a schematic diagram of an application scenario of an account information management method according to an embodiment of the present disclosure.
  • a server eg, a server that can be an Alipay application
  • detects that a user passes through a terminal eg, the terminal can be a mobile phone, a tablet, a wearable smart device, etc.
  • An instruction that can be managed for an Alipay account eg, the instruction can be an instruction to create a second user information table in the first account, or an instruction to view a second user information table in the first account
  • Information about a second user associated with a user eg, information of the second user may include gender of the second user, date of birth, education, etc.
  • obtaining a first user to perform a transaction operation eg, a transaction through the first account
  • the operation may be the first transaction operation information for purchasing the children's book or paying the fee for the fitness card (for example, the first transaction operation information may be the consumption information generated by the first user
  • the server determines, according to the preset matching condition (for example, the preset matching condition includes the keyword “child” in the transaction operation information), the second transaction operation information associated with the second user is determined from the first transaction operation information (eg, The second transaction operation information may be the first user purchasing the consumption information generated by the children's book, and the second transaction operation information is included in the second user information table in the first account.
  • the preset matching condition for example, the preset matching condition includes the keyword “child” in the transaction operation information
  • the account information management method determines the first transaction operation information of the transaction operation by the first user through the first account, and determines the first transaction operation information according to the preset matching condition. a second transaction operation information associated with the second user, and including the second transaction operation information in the second user information table in the first account, thereby realizing that the first user creates the second user information through the first account thereof a table and managing second transaction operation information associated with the second user in the second user information table.
  • FIG. 2 is a flowchart of an account information management method provided by an embodiment of the present disclosure.
  • the execution body of the method may be a device having processing capabilities: a server or a system or platform, such as the server in FIG. As shown in FIG. 2, the method specifically includes:
  • Step S210 when receiving an instruction that the first user manages the first account, acquiring information of the second user associated with the first user, and acquiring a first transaction in which the first user performs a transaction operation through the first account Operational information.
  • the instruction may be an instruction to create a second user information table in the first account, or an instruction to view the second user information table, or an instruction to edit the second user information table.
  • the execution entity of this step takes the server of the Alipay application as an example, and the first account takes the account of Alipay as an example, and the instruction takes an instruction to create a second user information table in the first account as an example.
  • the server receives an instruction that the first user creates a second user information table in the Alipay account, acquiring information of the second user associated with the first user, and acquiring the first user to perform transactions through the Alipay account The first transaction operation information of the operation.
  • the obtaining the information of the second user associated with the first user may include: receiving information of the second user input by the first user.
  • the information of the second user may include the name, ID number, birthday, gender, height, weight, education, hobbies and addresses of the second user.
  • the server when the server receives an instruction from the first user to create a second user information form in its Alipay account, the second user's information entered by the first user is received.
  • the terminal interface of the first user inputting the information of the second user is as shown in FIG. 3.
  • the information of the second user may include: name, gender, age, ID number, height, weight, birthday, identity, Hobbies, relationships with my own (eg, first user), and contact addresses.
  • the first transaction operation information of the first user performing transaction operations through the Alipay account is also obtained.
  • the first transaction operation information includes transaction information generated by the first user performing a transaction operation through the Alipay account, as shown in FIG. 4.
  • FIG. 4 part of the transaction information generated by the first user in March 2017 through the Alipay account is shown, including: in March 2017, a total expenditure of 8966.84 yuan, income of 12398.2 yuan.
  • the specific transaction information includes: the purchase of 198 yuan for the elderly massage device in the furniture city, the balance treasure to 500 yuan a single transfer, to pay A 3.5 yuan
  • the balance of the treasure income of 1.5 yuan for the Yinlong community 802 room to pay electricity costs 200 yuan, transfer 25 yuan to Asha, take the people Uber to pay 15 yuan to Master Li, buy ABCD milk powder in Taobao Mommy baby diapers and baby pacifiers pay 600 yuan, 100 yuan and 50 yuan respectively, buy movie tickets for 100 yuan, buy 120 yuan for elderly health products in Tmall supermarket, and 80 yuan for crayfish takeout. Pay 200 yuan for the Baby swimming Orchestra and 180 yuan for the basketball purchase on Taobao
  • step S220 second transaction operation information associated with the second user is determined from the first transaction operation information according to the preset matching condition.
  • the server directly determines the second transaction operation information associated with the second user from the first transaction operation information according to the preset matching condition.
  • the server identifies the recommended transaction operation information associated with the second user from the first transaction operation information according to the preset matching condition. Then, the recommended transaction operation information is presented to the first user, and the transaction operation information selected by the first user from the recommended transaction operation information is received, and determined as the second transaction operation information.
  • the preset matching condition may include: a preset keyword and/or a preset transaction operation object.
  • the preset keyword may be a keyword preset by the user, or a default keyword provided by the server, or a keyword determined by the server according to the information of the second user.
  • the preset matching condition is a preset keyword
  • the server directly determines the second transaction operation information associated with the second user from the first transaction operation information according to the preset keyword.
  • the keywords preset by the user include: milk powder, diaper, baby
  • the first transaction operation information is as shown in FIG. 4, and the server may be from the first transaction operation information according to a keyword preset by the user.
  • the information includes: purchasing ABCD milk powder, mommy baby diaper and baby pacifier at Taobao to pay 600 yuan, 100 yuan and 50 yuan respectively, paying the baby
  • the swimming orchestra is 200 yuan.
  • the default keywords provided by the server include: old age.
  • the first transaction operation information is as shown in FIG. 4, and the server may directly determine, according to the default keyword, the second transaction operation information associated with the second user from the first transaction operation information, the information includes: The city purchases 198 yuan for the elderly massager and 120 yuan for the elderly health care products at Tmall.
  • the preset keyword is a keyword determined by the server based on the information of the second user.
  • the server identifies the recommended transaction operation information associated with the second user from the first transaction operation information according to the preset keyword. Then, the recommended transaction operation information is presented to the first user, and the transaction operation information selected by the first user from the recommended transaction operation information is received, and determined as the second transaction operation information.
  • the information of the second user includes: the birthday is July 27, 1934, and the address is: Yinlong Community 802.
  • the keywords determined by the server according to the information of the second user include: elderly, Yinlong community.
  • the first transaction operation information is as shown in FIG. 4.
  • the server identifies the recommended transaction operation information associated with the second user from the first transaction operation information according to the keyword "old age", and the information may include: purchasing in the furniture city.
  • the elderly massager consumes 198 yuan, consumes 120 yuan for the elderly health care products in Tmall supermarket, pays 200 yuan for the Yinlong community 802, and pays 15 yuan for the master Uber to the master, and the crayfish takeaway for 80 yuan.
  • the recommended transaction operation information is presented to the first user, and the transaction operation information selected by the first user from the recommended transaction operation information is received and determined as the second transaction operation information, and the information may include: purchasing the old age in the furniture city.
  • the preset matching condition is a preset transaction operation object.
  • the server directly determines the second transaction operation information associated with the second user from the first transaction operation information according to the preset transaction operation object.
  • the default transaction operations object can be a school and a children's hospital.
  • the first transaction operation information may include: “transfer 800 yuan teaching material fee, and the transaction operation object is the first experimental school”, “transfer 200 yuan, and the transaction operation object is Wanshunqiao restaurant” and “transfer 150 yuan vaccine fee, and The transaction operation object is the Municipal Children's Hospital.”
  • the server identifies the recommended transaction operation information associated with the second user from the first transaction operation information according to the preset transaction operation objects “school” and “children's hospital”, and the information may include: “transfer 800 yuan teaching materials fee, And the transaction operation object is the first experimental school” and "transfer 150 yuan vaccine fee, and the transaction operation target is the municipal children's hospital.”
  • Step S230 the second transaction operation information is included in a second user information table in the first account.
  • the server includes the second transaction operation information in the second user information table in the first account.
  • the server creates a second user information table according to an instruction of the first user to create a second user information table in the Alipay account, and the second transaction operation information is included in the second user information table in the Alipay account. .
  • a second user information table containing second transaction operation information is shown in FIG.
  • the second transaction operation information included is the information generated in March 2017. Specifically, the total expenditure is 3,250 yuan, and the total income is 5,000 yuan.
  • the purchase of milk powder, diapers, pacifiers and baby swimming music spent a total of 950 yuan; on March 18 and March 25, respectively, the purchase of milk powder and diaper, consumption of 700 yuan twice;
  • the server may further calculate, according to the birthday information included in the information of the second user, the age of the second user corresponding to each second transaction operation information, and calculate the calculated age and the second transaction operation information. The corresponding one is saved in the second user information table.
  • the method may further include: acquiring third transaction operation information, where the information may be performed by the first user through an account other than the first account.
  • the second user operation information is generated by the transaction operation associated with the second user, and the third transaction operation information is included in the second user information table.
  • the obtaining the third transaction operation information may be: the server receiving the third transaction operation information input by the first user.
  • the account other than the first account includes an account associated with the first account
  • obtaining the third transaction operation information may be: the server acquires the third transaction operation information from the account associated with the first account by using the first account.
  • the server receives the third transaction operation information entered by the first user and includes the first information in the second user information table.
  • the third transaction operation information is generated by the first user purchasing the children's toy by using cash, and the server receives the third transaction operation information input by the first user, such as “purchasing the remote kart to pay 500 yuan”, and includes the information in the first In the two user information table.
  • the server obtains third transaction operation information from the account associated with the first account through the first account, and includes the first information in the second user information table.
  • the first account is an Alipay account
  • the account associated with the account is a bank card account
  • the server obtains the third transaction operation information from the bank card account through the Alipay account, such as “purchase the kindergarten teaching material to pay 200 yuan”, and the information is It is included in the second user information table.
  • the instructions for managing the account may further include, for reviewing, editing, updating, etc. management instructions for the information table that has been created.
  • the acquired second user information may only include information that can identify the second user information table to be managed (because there may be multiple second users, and corresponding second user information) table).
  • the first user can also supplement and improve the information of the second user in this step when the information table is subsequently managed.
  • the first transaction operation information acquired in this step may only include the newly generated transaction operation information that is not included in the second user information table. Steps S220 and S230 are performed in the same manner as described above, and are not described again.
  • the account information management method provided by the multiple embodiments disclosed in the present specification is obtained by acquiring the first transaction operation information of the transaction operation performed by the first user through the first account, and from the first transaction operation information according to the preset matching condition. Determining second transaction operation information associated with the second user, and including the second transaction operation information in the second user information table in the first account, thereby realizing that the first user creates the second through the first account thereof
  • the user information table manages the second transaction operation information associated with the second user in the second user information table.
  • This method can be applied to parents and children. For example, when the first user is a parent and the second user is the parent's child, the parent may establish a child's information form in the account, and the parent may determine according to the first transaction operation information generated by the transaction operation through the account. The second transaction operation information related to the child, thereby conveniently and quickly managing the child's information table.
  • This method can also be applied to adults and parents.
  • the first user is an adult and the second user is the adult's mother.
  • the adult can establish a mother's information form in his account, and the adult can determine the second transaction operation information related to the mother based on the first transaction operation information generated by the transaction operation through his account, thereby facilitating the mother's information table.
  • Management for example, when several adults are co-parents, they can share the cost of supporting their parents through the information in the parent's information sheet, and this information helps adults better care for their parents.
  • FIG. 6 is a flowchart of an account information management method provided by another embodiment disclosed in the present specification.
  • the execution body of the method may be a device having processing capabilities: a server or a system or platform, such as the server in FIG. As shown in FIG. 6, the method specifically includes:
  • Step S610 when receiving an instruction that the first user manages the first account, acquiring information about the second user associated with the first user, and acquiring a first transaction in which the first user performs a transaction operation through the first account. Operational information.
  • the second user associated with the first user may include multiple second users. Accordingly, the first user may create multiple second user information tables through the first account.
  • step S610 can be referred to the above description of step S210.
  • Step S620 determining, according to the preset matching condition, the second transaction operation information associated with the second user from the first transaction operation information.
  • the preset matching condition includes a preset keyword, and the preset keyword may be determined by the server according to the information of the second user.
  • the first user creates two second user information tables using his first account
  • the first transaction operation information generated by the user using the first account for the transaction operation includes “purchasing a set of boys' clothing to pay 500 yuan. "And buy a set of girls' clothing to pay 500 yuan.”
  • the keyword determined by the server according to the information of the second user includes “male”, and the server may operate information from the first transaction according to the keyword, such as “purchasing a set.
  • the boy's clothing pays 500 yuan” and "purchases a girl's clothing to pay 500 yuan”
  • the second transaction operation information associated with the second user information is determined: "buy a set of boys' clothing to pay 500 yuan.”
  • the keyword determined by the server according to the information of the second user includes “female”, and the server may never be classified into other second users according to the keyword.
  • the first transaction operation information of the information table such as "purchase a set of girls' clothing to pay 500 yuan”
  • step S620 can be referred to the description of step S220 above.
  • Step S630 determining the information category of the second transaction operation information, and including the second transaction operation information in the corresponding category of the second user information table according to the information category.
  • the information category of the second transaction operation information may be from a default information category provided in the second user information table, or may be from a custom information category input by the user in the second information table.
  • the server presents the second transaction operation information and the information category included in the second user information table to the first user, and receives the second transaction operation selected by the first user from the information categories included in the second user information table.
  • the information category of the information is included in the corresponding category of the second user information table.
  • the server presents the second transaction operation information to the first user and receives the information category of the second transaction operation information input by the user. Then, based on the information category, the second transaction operation information is included in the corresponding category of the second user information table.
  • the server presents the second user with the second transaction operation information, such as "baby swim music - group order: ⁇ 200", and the information category included in the second user information table, such as "baby food, milk powder” Baby clothes, diaper diapers, bathing skin care, daily necessities, toy musical instruments, audio and video books, education expenses, medical health, mommy supplies, parent-child time. And receiving the "parental time” selected by the first user from these information categories as the information category of "baby swimming music - group order: ⁇ 200 yuan”. Then, "baby swim music - group order: ⁇ 200 yuan" is included in the information category "parent time" of the second user information table.
  • the second transaction operation information such as "baby swim music - group order: ⁇ 200”
  • the information category included in the second user information table such as "baby food, milk powder” Baby clothes, diaper diapers, bathing skin care, daily necessities, toy musical instruments, audio and video books, education expenses, medical health, mommy supplies, parent-child time.
  • the server presents the second transaction operation information to the first user, for example, " ⁇ Baby Pacifier - Taobao: ⁇ 50” and receives a custom information category entered by the user, such as "Daily Goods”. Then, " ⁇ Baby Pacifier - Taobao: ⁇ 50" is included in the information category "Daily Goods" of the second user information table.
  • step S630 can be referred to the above description of step S230.
  • the method may further include: according to the information category of the second transaction operation information and the second transaction operation information, in the second user information table Generate a category report.
  • the generated category report is shown in Figure 7.
  • the category report includes information: In March 2017, the “milk powder” category spent a total of 2,500 yuan, accounting for 50% of the total expenditure (hereinafter referred to as the proportion); the “baby clothing” category spent a total of 1,250 yuan.
  • the proportion of "bathing skin care” is 500 yuan, accounting for 10%; the "baby food” category is 500 yuan, accounting for 10%; the "parent time” class is spending 250 yuan, accounting for 5%. .
  • the method further includes: synchronizing the information in the second user information table into the second account of the second user. And, according to the information in the information table, transfer the share corresponding to the information to the second account.
  • the parent opens a child's information form in his or her account. After the child grows up to open his or her account, the parent can synchronize the information in the child's information form to the child's account. The information shows the balance of funds, and you can also choose to transfer the corresponding fund balance to your child's account, so that the child can view the information synchronously, or manage the account yourself.
  • the account information management method determines the first transaction operation information from the first transaction operation information according to the preset matching condition by acquiring the first transaction operation information of the first user performing the transaction operation through the first account.
  • the second transaction operation information associated with the second user, and the second transaction operation information is included in the second user information table in the first account, thereby realizing that the first user creates the second user information table through the first account thereof, And managing second transaction operation information associated with the second user in the second user information table.
  • the embodiments disclosed in the present specification further provide an account information management apparatus.
  • the apparatus includes:
  • the obtaining unit 810 is configured to: when receiving an instruction that the first user manages the first account, acquire information about the second user associated with the first user, and obtain a transaction operation of the first user by using the first account. First transaction operation information;
  • a determining unit 820 configured to determine, according to a preset matching condition, second transaction operation information associated with the second user from the first transaction operation information
  • the processing unit 830 is configured to include the second transaction operation information in the second user information table in the first account.
  • the instruction received by the obtaining unit 810 to manage its first account includes an instruction to create a second user information table in the first account
  • the obtaining unit 810 is configured to acquire information about the second user associated with the first user, including: receiving information of the second user input by the first user.
  • the determining unit 820 specifically includes:
  • the identifying sub-unit 821 is configured to identify recommended transaction operation information associated with the second user from the first transaction operation information according to the preset matching condition;
  • the first determining subunit 822 is configured to present the recommended transaction operation information to the first user, and receive the transaction operation information selected by the first user from the recommended transaction operation information, and determine the second transaction operation information.
  • the preset matching condition in the determining unit 820 includes: a preset keyword.
  • the determining unit 820 further includes a second determining subunit 823, configured to determine a preset keyword according to the information of the second user.
  • the information of the second user acquired by the obtaining unit 810 includes at least one of a second user's name, ID number, birthday, gender, height, weight, education, and hobbies.
  • the second user information table in the processing unit 830 includes an information category, and the processing unit 830 specifically includes:
  • a determining subunit 831 configured to determine a type of information of the second transaction operation information
  • the processing sub-unit 832 is configured to include the second transaction operation information in a corresponding category of the second user information table according to the information category.
  • the determining sub-unit 831 is specifically configured to: present the second transaction operation information and the information category included in the second user information table to the first user, and receive the first user from the second user information table.
  • the information category of the second transaction operation information selected in the included information category.
  • the determining sub-unit 831 is specifically configured to: present the second transaction operation information to the first user, and receive the information category of the second transaction operation information input by the user.
  • the device may further comprise:
  • the generating unit 840 is configured to generate a category report in the second user information table according to the information category of the second transaction operation information and the second transaction operation information.
  • the obtaining unit 810 is further configured to: acquire third transaction operation information, where the third transaction operation information is that the first user generates a transaction operation associated with the second user by using an account other than the first account. of;
  • the processing unit 830 is further configured to include the third transaction operation information in the second user information table.
  • the obtaining unit 810 is configured to obtain third transaction operation information, including: receiving third transaction operation information input by the first user.
  • the account other than the first account acquired by the obtaining unit 810 includes an account associated with the first account
  • the obtaining unit 810 is configured to obtain third transaction operation information, including: acquiring, by using the first account, third transaction operation information from an account associated with the first account.
  • the apparatus may further comprise: a synchronization unit 850 for synchronizing the information in the second user information table into the second account of the second user.
  • the apparatus may further include: a transfer unit 860, configured to transfer a share corresponding to the information to the second account according to the information in the information table.

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Abstract

一种账户信息管理方法，该方法包括：当接收到第一用户对其第一账户进行管理的指令时，获取与第一用户相关联的第二用户的信息，以及获取第一用户通过第一账户进行事务操作的第一事务操作信息（S201）。然后，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息（S220），并将第二事务操作信息包含在第一账户中的第二用户信息表中（S230）。

Description

账户信息管理方法及装置 技术领域
本说明书披露的多个实施例涉及互联网技术领域，尤其涉及一种账户信息管理方法及装置。
背景技术
随着互联网技术和社会经济的发展，人们越来越频繁的通过电子账户进行各种事务操作，例如通过支付平台中的账户进行消费和理财等事务操作。更具体地，例如，在超市购物时使用支付宝账户付款，或使用支付宝账户对网络消费订单进行支付，或使用支付宝账户在证券交易平台购买股票等。
由于电子账户使用越来越广泛，其中的事务操作信息也越来越复杂，所涉及的方面也越来越多。例如在用户使用其账户进行事务操作所产生的事务操作信息中，往往包括与其它用户相关联的事务操作信息，如，某一用户为自己的孩子购买衣服、玩具、教材、零食、儿童教育基金等，或为自己的父母购买保健用品、旅游套餐等。因此，需要更有效的方法，对用户的电子账户信息进行全面的管理。
发明内容
本说明书描述了一种账户信息管理方法及装置，通过第一用户的第一账户创建与第一用户关联的第二用户的信息表，使第一用户能够通过第一账户方便地对第二用户的事务操作信息进行管理。
第一方面，提供了一种账户信息管理方法。该方法包括：
当接收到第一用户对其第一账户进行管理的指令时，获取与所述第一用户相关联的第二用户的信息，以及获取所述第一用户通过所述第一账户进行事务操作的第一事务操作信息；
根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第 二事务操作信息；
将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中。
第二方面，提供了一种账户信息管理装置。该装置包括：
获取单元，用于当接收到第一用户对其第一账户进行管理的指令时，获取与所述第一用户相关联的第二用户的信息，以及获取所述第一用户通过所述第一账户进行事务操作的第一事务操作信息；
确定单元，用于根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第二事务操作信息；
处理单元，用于将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中。
本说明书提供的一种账户信息管理方法及装置，通过获取第一用户通过第一账户进行事务操作的第一事务操作信息，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息，并将第二事务操作信息包含在第一账户中的第二用户信息表中，从而实现了第一用户通过其第一账户创建第二用户信息表，并对第二用户信息表中与第二用户相关联的第二事务操作信息进行管理。
附图说明
为了更清楚地说明本说明书披露的多个实施例的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本说明书披露的多个实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为本说明书披露的一个实施例提供的账户信息管理方法的应用场景示意图；
图2为本说明书披露的一个实施例提供的账户信息管理方法流程图；
图3为本说明书披露的一个实施例提供的输入第二用户信息的终端界面示意图；
图4为本说明书披露的一个实施例提供的第一事务操作信息示意图；
图5为本说明书披露的一个实施例提供的第二用户信息表示意图；
图6为本说明书披露的另一个实施例提供的账户信息管理方法流程图；
图7为本说明书披露的一个实施例提供的第二用户信息表中的类别报表示意图；
图8为本说明书披露的一个实施例提供的账户信息管理装置结构示意图。
具体实施方式
下面结合附图，对本说明书披露的多个实施例进行描述。
图1为本说明书披露的一个实施例提供的账户信息管理方法的应用场景示意图。图1中，当服务器(如，服务器可以为支付宝应用的服务器)检测到用户通过终端(如，终端可以为手机、平板电脑、可穿戴智能设备等)对其第一账户(如，第一账户可以为支付宝账户)进行管理的指令(如，指令可以为在第一账户中创建第二用户信息表的指令，或者查看与第一账户中的第二用户信息表的指令)时，获取与第一用户相关联的第二用户的信息(如，第二用户的信息可以包括第二用户的性别、出生年月、学历等)，以及获取第一用户通过第一账户进行事务操作(如，事务操作可以为购买儿童读物，或者支付办理健身卡的费用)的第一事务操作信息(如，第一事务操作信息可以为第一用户购买儿童读物产生的消费信息，或者支付办理健身卡的费用产生的消费信息)。服务器根据预设匹配条件(如，预设匹配条件可以为事务操作信息中包括关键字“儿童”)，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息(如，第二事务操作信息可以为第一用户购买儿童读物产生的消费信息)，并将第二事务操作信息包含在第一账户中的第二用户信息表中。
采用本说明书披露的多个实施例提供的账户信息管理方法，通过获取第一用户通过第一账户进行事务操作的第一事务操作信息，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息，并将第二事务操作信息包含在第一账户中的第二用户信息表中，从而实现了第一用户通过其第一账户创建第二用户信息表，并对第二用户信息表中与第二用户相关联的第二事务操作信息进行管理。
图2为本说明书披露的一个实施例提供的账户信息管理方法流程图。所述方法的执行主体可以为具有处理能力的设备：服务器或者系统或者平台，例如，图1中的服务器。如图2所示，所述方法具体包括：
步骤S210，当接收到第一用户对其第一账户进行管理的指令时，获取与第一用户相关联的第二用户的信息，以及获取第一用户通过第一账户进行事务操作的第一事务操作 信息。
需要说明的是，所述指令可以为在第一账户中创建第二用户信息表的指令，或者查看第二用户信息表的指令，或者编辑第二用户信息表的指令。
本步骤的执行主体以支付宝应用的服务器为例，第一账户以支付宝的账户为例，所述指令以在第一账户中创建第二用户信息表的指令为例。
具体的，当服务器接收到第一用户在其支付宝账户中创建第二用户信息表的指令时，获取与第一用户相关联的第二用户的信息，以及获取第一用户通过其支付宝账户进行事务操作的第一事务操作信息。
其中，获取与第一用户相关联的第二用户的信息，可以包括：接收所述第一用户输入的所述第二用户的信息。且第二用户的信息可以包括第二用户的姓名、身份证号、生日、性别、身高、体重、学历、兴趣爱好和地址等。
在一个例子中，当服务器接收到第一用户在其支付宝账户中创建第二用户信息表的指令时，接收第一用户输入的第二用户的信息。例如，第一用户输入第二用户的信息的终端界面如图3所示，图3中，第二用户的信息可以包括：姓名、性别、年龄、身份证号、身高、体重、生日、身份、兴趣爱好、与本人(如，第一用户)关系和联系地址等。
此外，还获取第一用户通过其支付宝账户进行事务操作的第一事务操作信息。例如，第一事务操作信息包括第一用户通过支付宝账户进行事务操作产生的交易信息，如图4所示。图4中，示出了第一用户在2017年3月份通过支付宝账户进行交易产生的部分交易信息，包括：在2017年3月份一共支出8966.84元，收入12398.2元。其中，在3月31日(星期五)支出1943.5元，收入501.5元，具体的交易信息包括：在家具城购买老年按摩器消费198元，余额宝单次转入500元，向阿花付款3.5元，在小白超市消费72元，余额宝收益1.5元，为银龙小区802室缴纳电费200元，向阿莎转账25元，乘坐人民优步向李师傅支付15元，在淘宝网购买ABCD奶粉、妈咪宝贝尿不湿和乖宝宝奶嘴分别支付600元、100元和50元，购买电影票消费100元，在天猫超市购买老年人保健品消费120元，点小龙虾外卖消费80元，支付婴儿游泳乐团单200元，在淘宝网上购买篮球支付180元。
接着，在步骤S220，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息。
具体的，在一个例子中，服务器根据预设匹配条件，从第一事务操作信息中直接确 定出与第二用户相关联的第二事务操作信息。
或者，在另一例子中，服务器根据预设匹配条件，从第一事务操作信息中识别出与第二用户相关联的推荐事务操作信息。然后，向第一用户呈现推荐事务操作信息，并接收第一用户从推荐事务操作信息中选择出的事务操作信息，将其确定为第二事务操作信息。
其中，预设匹配条件可以包括：预设的关键词和/或预设的事务操作对象。其中，预设的关键词可以为由用户预先设定的关键词，或者，为由服务器提供的默认的关键词，或者，为由服务器根据第二用户的信息确定的关键词。
在一个例子中，预设的匹配条件为预设的关键词，服务器根据预设的关键词，从第一事务操作信息中直接确定出与第二用户相关联的第二事务操作信息。例如，用户预先设定的关键词包括：奶粉、尿不湿、婴儿，第一事务操作信息如图4中所示，则服务器可以根据用户预先设定的关键词，从第一事务操作信息中直接确定出与第二用户相关联的第二事务操作信息，该信息包括：在淘宝网购买ABCD奶粉、妈咪宝贝尿不湿和乖宝宝奶嘴分别支付600元、100元和50元，支付婴儿游泳乐团单200元。
又例如，服务器提供的默认的关键词包括：老年。第一事务操作信息如图4中所示，则服务器可以根据默认的关键词，从第一事务操作信息中直接确定出与第二用户相关联的第二事务操作信息，该信息包括：在家具城购买老年按摩器消费198元，在天猫超市购买老年人保健品消费120元。
在又一个例子中，预设的关键词为由服务器根据第二用户的信息确定的关键词。服务器根据预设的关键词，从第一事务操作信息中识别出与第二用户相关联的推荐事务操作信息。然后，向第一用户呈现推荐事务操作信息，并接收第一用户从推荐事务操作信息中选择出的事务操作信息，将其确定为第二事务操作信息。
例如，第二用户的信息包括：生日为1934年7月27日，地址为：银龙小区802。服务器根据第二用户的信息确定的关键词包括：老年、银龙小区。第一事务操作信息如图4中所示，服务器根据关键词“老年”，从第一事务操作信息中识别出与第二用户相关联的推荐事务操作信息，该信息可以包括：在家具城购买老年按摩器消费198元，在天猫超市购买老年人保健品消费120元，为银龙小区802缴纳电费200元乘坐人民优步向李师傅支付15元，点小龙虾外卖消费80元。然后，向第一用户呈现推荐事务操作信息，并接收第一用户从推荐事务操作信息中选择出的事务操作信息，将其确定为第二事 务操作信息，该信息可以包括：在家具城购买老年按摩器消费198元，在天猫超市购买老年人保健品消费120元，为银龙小区802缴纳电费200元乘坐人民优步向李师傅支付15元。
在另一例子中，预设的匹配条件为预设的事务操作对象。服务器根据预设的事务操作对象，从第一事务操作信息中直接确定出与第二用户相关联的第二事务操作信息。
例如，预设的事务操作对象可以为学校和儿童医院。第一事务操作信息可以包括：“转账800元教材费，且事务操作对象为第一实验学校”、“转账200元，且事务操作对象为万顺桥餐厅”和“转账150元疫苗费，且事务操作对象为市立儿童医院”。服务器根据预设的事务操作对象“学校”和“儿童医院”，从第一事务操作信息中识别出与第二用户相关联的推荐事务操作信息，该信息可以包括：“转账800元教材费，且事务操作对象为第一实验学校”和“转账150元疫苗费，且事务操作对象为市立儿童医院”。
步骤S230，将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中。
具体的，服务器将第二事务操作信息包含在第一账户中的第二用户信息表中。
在一个例子中，服务器根据第一用户在其支付宝账户中创建第二用户信息表的指令，创建第二用户信息表，并将第二事务操作信息包含在支付宝账户中的第二用户信息表中。
例如，包含第二事务操作信息的第二用户信息表如图5所示。图5的信息表中，包括的第二事务操作信息为2017年3月份产生的信息，具体的，共支出3250元，共收入5000元。在3月31日，购买奶粉、尿不湿、奶嘴和婴儿游泳乐共消费950元；分别在3月18日和3月25日，购买奶粉和尿不湿，两次均消费700元；在3月11日购买奶粉、尿不湿、婴儿游泳乐消费900元，在儿童成长基金中存入5000元。
本步骤中，服务器还可以根据第二用户的信息中包括的生日信息，计算出每个第二事务操作信息产生时对应的第二用户的年龄，并将计算出的年龄与第二事务操作信息对应的保存在第二用户信息表中。
需要说明的是，本说明书披露的一个实施例中，在步骤S210之中或者之后，还可以包括：获取第三事务操作信息，该信息可以是第一用户通过第一账户之外的账户进行与第二用户相关联的事务操作产生的，以及将第三事务操作信息包含在第二用户信息表中。其中，获取第三事务操作信息可以为：服务器接收第一用户输入的第三事务操作信息。
或者，第一账户之外的账户包括与第一账户相关联的账户，获取第三事务操作信息可以为：服务器通过第一账户从与第一账户相关联的账户中获取第三事务操作信息。
在一个例子中，服务器接收第一用户输入的第三事务操作信息，并将第该信息包含在第二用户信息表中。例如，第三事务操作信息是第一用户通过使用现金购买儿童玩具产生的，服务器接收第一用户输入的第三事务操作信息，如“购买遥控卡丁车支出500元”，并将该信息包含在第二用户信息表中。
在另一个例子中，服务器通过第一账户从与第一账户相关联的账户中获取第三事务操作信息，并将第该信息包含在第二用户信息表中。例如，第一账户为支付宝账户，与该账户相关联的账户为银行卡账户，服务器通过支付宝账户从银行卡账户获取第三事务操作信息，如“购买幼儿园教材支付200元”，并将该信息包含在第二用户信息表中。
以上以创建信息表的指令为例，描述了账户信息管理方法的若干实施例。在另一实施方式中，管理账户的指令还可以包括，对已经创建的信息表进行查阅、编辑、更新等管理指令。在这样的情况下，步骤S210中，获取的第二用户信息可以仅包含，能够标识出要管理的第二用户信息表的信息(因为可能存在多个第二用户，以及相应的第二用户信息表)。当然，第一用户也可以在后续管理信息表的时候，在该步骤中对第二用户的信息进行补充和完善。此外，该步骤中获取的第一事务操作信息可以只包含，新产生的、尚未包含在第二用户信息表中的事务操作信息。步骤S220和S230的执行方式与以上描述相同，不再赘述。
综合以上，本说明书披露的多个实施例提供的账户信息管理方法，通过获取第一用户通过第一账户进行事务操作的第一事务操作信息，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息，并将第二事务操作信息包含在第一账户中的第二用户信息表中，从而实现了第一用户通过其第一账户创建第二用户信息表，并对第二用户信息表中与第二用户相关联的第二事务操作信息进行管理。
此方法可以应用于家长和孩子。例如，当第一用户为家长，第二用户为该家长的孩子时，家长可以在其账户中建立孩子的信息表，并且家长可以根据通过其账户进行事务操作产生的第一事务操作信息，确定与孩子相关的第二事务操作信息，从而对孩子的信息表方便快捷的进行管理。
此方法也可以应用于成人和父母。例如，当第一用户为成人，第二用户为该成人的母亲时。成人可以在其账户中建立母亲的信息表，并且成人可以根据通过其账户进行事 务操作产生的第一事务操作信息，确定与母亲相关的第二事务操作信息，从而对母亲的信息表方便快捷的进行管理，如，当几个成人共同赡养父母时，可以通过父母的信息表中的信息，分摊赡养父母的费用，且该信息有助于成人更好的照顾父母。
图6为本说明书披露的另一个实施例提供的账户信息管理方法流程图。所述方法的执行主体可以为具有处理能力的设备：服务器或者系统或者平台，例如，图1中的服务器。如图6所示，所述方法具体包括：
步骤S610，当接收到第一用户对其第一账户进行管理的指令时，获取与第一用户相关联的第二用户的信息，以及获取第一用户通过第一账户进行事务操作的第一事务操作信息。
本步骤中，所述与第一用户相关联的第二用户可以包括多个第二用户，相应的，第一用户可以通过其第一账户创建多个第二用户信息表。
需要说明的是，对步骤S610的描述可以参见上述对步骤S210的描述。
步骤S620，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息。
其中，预设的匹配条件包括预设的关键词，预设的关键词可以由服务器根据第二用户的信息确定。
例如，第一用户使用其第一账户创建了两个第二用户信息表，同时，用户使用其第一账户进行事务操作产生的第一事务操作信息中包括“购买一套男童服装支付500元”和“购买一套女童服装支付500元”。
当用户查看其中的一个第二用户信息表时，由服务器根据该第二用户的信息确定的关键词包括“男”，则服务器可以根据此关键词从第一事务操作信息，如“购买一套男童服装支付500元”和“购买一套女童服装支付500元”，中确定与该第二用户信息相关联的第二事务操作信息：“购买一套男童服装支付500元”。
接着，当用户查看其中的另一个第二用户信息表时，由服务器根据该第二用户的信息确定的关键词包括“女”，则服务器可以根据此关键词从未被归入其它第二用户信息表的第一事务操作信息，如“购买一套女童服装支付500元”，中确定与该第二用户信息相关联的第二事务操作信息：“购买一套女童服装支付500元”。
需要说明的是，对步骤S620的描述可以参见上述对步骤S220的描述。
步骤S630，判断第二事务操作信息的信息类别，并根据信息类别，将第二事务操作信息包含在第二用户信息表的对应类别中。
本步骤中，第二事务操作信息的信息类别可以来自第二用户信息表中提供的默认信息类别，也可以来自用户在第二信息表中输入的自定义信息类别。
具体的，服务器向第一用户呈现第二事务操作信息和第二用户信息表中包括的信息类别，并接收第一用户从第二用户信息表中包括的信息类别中选择出的第二事务操作信息的信息类别。然后，根据信息类别，将第二事务操作信息包含在第二用户信息表的对应类别中。
或者，服务器向第一用户呈现第二事务操作信息，并接收用户输入的第二事务操作信息的信息类别。然后，根据信息类别，将第二事务操作信息包含在第二用户信息表的对应类别中。
在一个例子中，服务器向第一用户呈现第二事务操作信息，如，“婴儿游泳乐-团单：￥200元”，以及第二用户信息表中包括的信息类别，如“宝宝食品、奶粉、宝宝服饰、尿布尿片、洗浴护肤、日常用品、玩具乐器、书籍音像、教育支出、医疗健康、妈咪用品、亲子时光”。并接收第一用户从这些信息类别中选择出的“亲子时光”作为“婴儿游泳乐-团单：￥200元”的信息类别。然后，将“婴儿游泳乐-团单：￥200元”包含在第二用户信息表的信息类别“亲子时光”中。
在另一个例子中，服务器向第一用户呈现第二事务操作信息，如，“乖宝宝奶嘴-淘宝网：￥50元”，并接收用户输入的自定义信息类别，如，“日常用品”。然后，将“乖宝宝奶嘴-淘宝网：￥50元”包含在第二用户信息表的信息类别“日常用品”中。
需要说明的是，对步骤S630的描述可以参见上述对步骤S230的描述。
此外，在本说明书披露的一个实施例中，在步骤S630之后，还可以包括：根据所述第二事务操作信息的信息类别和所述第二事务操作信息，在所述第二用户信息表中生成类别报表。
例如，生成的类别报表如图7所示。图7中，类别报表中包括信息：在2017年3月份，“奶粉”类共支出2500元，占支出总量的比率(以下简称占比)50％；“宝宝服饰”类共支出1250元，占比25％；“洗浴护肤”类共支出500元，占比10％；“宝宝食品”类共支出500元，占比为10％；“亲子时光”类共支出250元，占比5％。
在步骤S630之后，还可以包括：将第二用户信息表中的信息同步至第二用户的第 二账户中。以及，根据信息表中的信息，向第二账户中转移与该信息相应的份额。
例如，家长在抚养孩子的过程中，在自己的账户中开通了孩子的信息表，等到孩子长大开通自己的账户以后，父母可以将孩子信息表中的信息同步至孩子的账户中，如果该信息中显示有资金余额，也可以选择将对应的资金余额转入孩子的账户中，使孩子能够同步查看这些信息，或者自己对账户进行管理。
本说明书披露的一个实施例提供的账户信息管理方法，通过获取第一用户通过第一账户进行事务操作的第一事务操作信息，根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息，并将第二事务操作信息包含在第一账户中的第二用户信息表中，从而实现了第一用户通过其第一账户创建第二用户信息表，并对第二用户信息表中与第二用户相关联的第二事务操作信息进行管理。
与上述账户信息管理方法对应地，本说明书披露的多个实施例还提供一种账户信息管理装置，如图8所示，该装置包括：
获取单元810，用于当接收到第一用户对其第一账户进行管理的指令时，获取与第一用户相关联的第二用户的信息，以及获取第一用户通过第一账户进行事务操作的第一事务操作信息；
确定单元820，用于根据预设匹配条件，从第一事务操作信息中确定出与第二用户相关联的第二事务操作信息；
处理单元830，用于将第二事务操作信息包含在第一账户中的第二用户信息表中。
在一中可能的设计中，获取单元810接收到的对其第一账户进行管理的指令包括在第一账户中创建第二用户信息表的指令；
获取单元810用于获取与第一用户相关联的第二用户的信息，包括：接收第一用户输入的第二用户的信息。
在一中可能的设计中，确定单元820具体包括：
识别子单元821，用于根据预设匹配条件，从第一事务操作信息中识别出与第二用户相关联的推荐事务操作信息；
第一确定子单元822，用于向第一用户呈现推荐事务操作信息，并接收第一用户从推荐事务操作信息中选择出的事务操作信息，将其确定为第二事务操作信息。
在一中可能的设计中，确定单元820中的预设匹配条件包括：预设的关键词。
在一中可能的设计中，确定单元820还包括第二确定子单元823，用于根据第二用户的信息，确定预设的关键词。
在一中可能的设计中，获取单元810获取的第二用户的信息包括第二用户的姓名、身份证号、生日、性别、身高、体重、学历和兴趣爱好中的至少一种。
在一中可能的设计中，处理单元830中的第二用户信息表包括信息类别，处理单元830具体包括：
判断子单元831，用于判断第二事务操作信息的信息类别；
处理子单元832，用于根据信息类别，将第二事务操作信息包含在第二用户信息表的对应类别中。
在一中可能的设计中，判断子单元831具体用于：向第一用户呈现第二事务操作信息和第二用户信息表中包括的信息类别，并接收第一用户从第二用户信息表中包括的信息类别中选择出的第二事务操作信息的信息类别。
在一中可能的设计中，判断子单元831具体用于：向第一用户呈现第二事务操作信息，并接收用户输入的第二事务操作信息的信息类别。
在一中可能的设计中，该装置还可以包括：
生成单元840，用于根据第二事务操作信息的信息类别和第二事务操作信息，在第二用户信息表中生成类别报表。
在一中可能的设计中，获取单元810还用于，获取第三事务操作信息，第三事务操作信息是第一用户通过第一账户之外的账户进行与第二用户相关联的事务操作产生的；
处理单元830还用于，将第三事务操作信息包含在第二用户信息表中。
在一中可能的设计中，获取单元810用于获取第三事务操作信息，包括：接收第一用户输入的第三事务操作信息。
在一中可能的设计中，获取单元810获取的第一账户之外的账户包括与第一账户相关联的账户；
获取单元810用于获取第三事务操作信息，包括：通过第一账户从与第一账户相关联的账户中获取第三事务操作信息。
在一中可能的设计中，该装置还可以包括：同步单元850，用于将第二用户信息 表中的信息同步至第二用户的第二账户中。
在一中可能的设计中，该装置还可以包括：转移单元860，用于根据信息表中的信息，向第二账户中转移与该信息相应的份额。
以上所述的具体实施方式，对本说明书披露的多个实施例的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本说明书披露的多个实施例的具体实施方式而已，并不用于限定本说明书披露的多个实施例的保护范围，凡在本说明书披露的多个实施例的技术方案的基础之上，所做的任何修改、等同替换、改进等，均应包括在本说明书披露的多个实施例的保护范围之内。

Claims (30)

  1. 一种账户信息管理方法，其特征在于，包括：
    当接收到第一用户对其第一账户进行管理的指令时，获取与所述第一用户相关联的第二用户的信息，以及获取所述第一用户通过所述第一账户进行事务操作的第一事务操作信息；
    根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第二事务操作信息；
    将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中。
  2. 根据权利要求1所述的方法，其特征在于，所述对其第一账户进行管理的指令包括在所述第一账户中创建所述第二用户信息表的指令；
    所述获取与所述第一用户相关联的第二用户的信息，包括：接收所述第一用户输入的所述第二用户的信息。
  3. 根据权利要求1所述的方法，其特征在于，所述根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第二事务操作信息，包括：
    根据所述预设匹配条件，从所述第一事务操作信息中识别出与所述第二用户相关联的推荐事务操作信息；
    向所述第一用户呈现所述推荐事务操作信息，并接收所述第一用户从所述推荐事务操作信息中选择出的事务操作信息，将其确定为所述第二事务操作信息。
  4. 根据权利要求1-3中任一项所述的方法，其特征在于，所述预设匹配条件包括：预设的关键词。
  5. 根据权利要求4所述的方法，其特征在于，在所述根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第二事务操作信息之前，还包括：
    根据所述第二用户的信息，确定所述预设的关键词。
  6. 根据权利要求1-3和5中任一项所述的方法，其特征在于，所述第二用户的信息包括所述第二用户的姓名、身份证号、生日、性别、身高、体重、学历、兴趣爱好和地址中的至少一种。
  7. 根据权利要求1所述的方法，其特征在于，所述第二用户信息表包括信息类别，所述将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中，包括：
    判断所述第二事务操作信息的信息类别；
    根据所述信息类别，将所述第二事务操作信息包含在所述第二用户信息表的对应类 别中。
  8. 根据权利要求7所述的方法，其特征在于，所述判断所述第二事务操作信息的信息类别，包括：
    向所述第一用户呈现所述第二事务操作信息和所述第二用户信息表中包括的信息类别，并接收所述第一用户从所述第二用户信息表中包括的信息类别中选择出的所述第二事务操作信息的信息类别。
  9. 根据权利要求7所述的方法，其特征在于，所述判断第二事务操作信息的信息类别，包括：
    向所述第一用户呈现所述第二事务操作信息，并接收所述用户输入的所述第二事务操作信息的信息类别。
  10. 根据权利要求7-9中任一项所述的方法，其特征在于，所述方法还包括：
    根据所述第二事务操作信息的信息类别和所述第二事务操作信息，在所述第二用户信息表中生成类别报表。
  11. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    获取第三事务操作信息，所述第三事务操作信息是所述第一用户通过所述第一账户之外的账户进行与所述第二用户相关联的事务操作产生的；
    将所述第三事务操作信息包含在所述第二用户信息表中。
  12. 根据权利要求11所述的方法，其特征在于，所述获取第三事务操作信息，包括：
    接收所述第一用户输入的第三事务操作信息。
  13. 根据利要求11所述的方法，其特征在于，所述第一账户之外的账户包括与所述第一账户相关联的账户；
    所述获取第三事务操作信息，包括：通过所述第一账户从所述与第一账户相关联的账户中获取所述第三事务操作信息。
  14. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    将所述第二用户信息表中的信息同步至所述第二用户的第二账户中。
  15. 根据权利要求14所述的方法，其特征在于，所述方法还包括：
    根据所述信息表中的信息，向所述第二账户中转移与该信息相应的份额。
  16. 一种账户信息管理装置，其特征在于，包括：
    获取单元，用于当接收到第一用户对其第一账户进行管理的指令时，获取与所述第一用户相关联的第二用户的信息，以及获取所述第一用户通过所述第一账户进行事务操 作的第一事务操作信息；
    确定单元，用于根据预设匹配条件，从所述第一事务操作信息中确定出与所述第二用户相关联的第二事务操作信息；
    处理单元，用于将所述第二事务操作信息包含在所述第一账户中的第二用户信息表中。
  17. 根据权利要求16所述的装置，其特征在于，所述获取单元接收到的所述对其第一账户进行管理的指令包括在所述第一账户中创建所述第二用户信息表的指令；
    所述获取单元用于获取与所述第一用户相关联的第二用户的信息，包括：接收所述第一用户输入的所述第二用户的信息。
  18. 根据权利要求16所述的装置，其特征在于，所述确定单元具体包括：
    识别子单元，用于根据所述预设匹配条件，从所述第一事务操作信息中识别出与所述第二用户相关联的推荐事务操作信息；
    第一确定子单元，用于向所述第一用户呈现所述推荐事务操作信息，并接收所述第一用户从所述推荐事务操作信息中选择出的事务操作信息，将其确定为所述第二事务操作信息。
  19. 根据权利要求16-18中任一项所述的装置，其特征在于，所述确定单元中的预设匹配条件包括：预设的关键词。
  20. 根据权利要求19所述的装置，其特征在于，所述确定单元还包括第二确定子单元，用于根据所述第二用户的信息，确定所述预设的关键词。
  21. 根据权利要求16-18和20中任一项所述的装置，其特征在于，所述获取单元获取的所述第二用户的信息包括所述第二用户的身份证号、生日、性别、身高、体重、学历、兴趣爱好和地址中的至少一种。
  22. 根据权利要求16所述的装置，其特征在于，所述处理单元中的所述第二用户信息表包括信息类别，所述处理单元具体包括：
    判断子单元，用于判断所述第二事务操作信息的信息类别；
    处理子单元，用于根据所述信息类别，将所述第二事务操作信息包含在所述第二用户信息表的对应类别中。
  23. 根据权利要求22所述的装置，其特征在于，所述判断子单元具体用于：
    向所述第一用户呈现所述第二事务操作信息和所述第二用户信息表中包括的信息类别，并接收所述第一用户从所述第二用户信息表中包括的信息类别中选择出的所述第二事务操作信息的信息类别。
  24. 根据权利要求22所述的装置，其特征在于，所述判断子单元具体用于：
    向所述第一用户呈现所述第二事务操作信息，并接收所述用户输入的所述第二事务操作信息的信息类别。
  25. 根据权利要求22-24中任一项所述的装置，其特征在于，所述装置还包括：
    生成单元，用于根据所述第二事务操作信息的信息类别和所述第二事务操作信息，在所述第二用户信息表中生成类别报表。
  26. 根据权利要求16所述的装置，其特征在于，所述获取单元还用于，获取第三事务操作信息，所述第三事务操作信息是所述第一用户通过所述第一账户之外的账户进行与所述第二用户相关联的事务操作产生的；
    所述处理单元还用于，将所述第三事务操作信息包含在所述第二用户信息表中。
  27. 根据权利要求26所述的装置，其特征在于，所述获取单元用于获取第三事务操作信息，包括：
    接收所述第一用户输入的第三事务操作信息。
  28. 根据利要求26所述的装置，其特征在于，所述获取单元获取的所述第一账户之外的账户包括与所述第一账户相关联的账户；
    所述获取单元用于获取第三事务操作信息，包括：通过所述第一账户从所述与所述第一账户相关联的账户中获取所述第三事务操作信息。
  29. 根据权利要求16所述的装置，其特征在于，所述装置还包括：
    同步单元，用于将所述第二用户信息表中的信息同步至所述第二用户的第二账户中。
  30. 根据权利要求29所述的装置，其特征在于，所述装置还包括：
    转移单元，用于根据所述信息表中的信息，向所述第二账户中转移与该信息相应的份额。
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