WO2020199857A1 - 账户系统、交易及其处理方法、终端、系统、装置及介质 - Google Patents

账户系统、交易及其处理方法、终端、系统、装置及介质 Download PDF

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Publication number
WO2020199857A1
WO2020199857A1 PCT/CN2020/078546 CN2020078546W WO2020199857A1 WO 2020199857 A1 WO2020199857 A1 WO 2020199857A1 CN 2020078546 W CN2020078546 W CN 2020078546W WO 2020199857 A1 WO2020199857 A1 WO 2020199857A1
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Prior art keywords
account
transaction
group
accounts
payment
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PCT/CN2020/078546
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English (en)
French (fr)
Inventor
李晓林
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汇智点亮科技(北京)有限公司
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Publication of WO2020199857A1 publication Critical patent/WO2020199857A1/zh

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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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • 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]
    • G06Q20/3223—Realising banking transactions 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps

Definitions

  • This application relates to the field of electronic payment technology, in particular to account systems, transactions and processing methods, terminals, systems, devices and media.
  • the purpose of this application is to provide account systems, transactions and processing methods, terminals, systems, devices, and media, so as to solve the problem that payment management systems in the prior art use independent accounts for income and expenditure. problem.
  • this application provides an account system, including: at least one group account; wherein each group account can be associated with one or more subject accounts;
  • the main account can call one or more currency accounts;
  • the group of accounts serves as an interface for the main account to conduct transactions with the outside.
  • each subject account is associated with a subject; each subject associated with the same group of accounts belongs to the same preset group.
  • the preset group includes one or more of families, communities, parks, enterprises/institutions and their subordinate departments, other social organizations, and self-organized groups.
  • the subject account includes: an online payment account.
  • the currency account includes one or more of a bank account and a virtual currency account.
  • the group account establishes/disconnects the association relationship with the main account by means of contract/termination.
  • the group account corresponds to the group account transaction details for querying, and the group account transaction details include the transaction details of each subject account that it is associated with when processing transactions accessed by the group account. The resulting collection of transaction details of the subject account.
  • the transaction master order corresponding to the transaction is broken down into transaction sub-orders allocated to a plurality of associated master accounts.
  • each of the transaction sub-orders is obtained by decomposing the transaction master order according to a preferred payment strategy.
  • the account system selects a payment object for the current payment request based on the preferred payment strategy and according to the payment capability of the group account and/or its bound fund account, which includes: determining the preferred payment The preferred payment object in the strategy; if the preferred payment object is the principal account, the principal account and/or its bound capital account will be used for payment; if the preferred payment object is the group account, the group account and/or its binding will be determined Whether the fund account of the company has the payment ability required by the current payment request; if it has the payment ability, the payment will be made by the group account and/or its bound fund account; if it does not have the payment ability, the payment will be made to the associated
  • Each main account of the group account allocates payment tasks, so that each main account and/or its bound capital account can make collaborative payments.
  • the collaborative payment rule includes any one or a combination of the following rules: Rule 1) Determine the participation authority of all or part of the main account’s collaborative payment through the group account; Rule 2 ) Determine the payment ratio and payment mode of each main account through the group account; rule 3) Regularly check the remaining funds in the group account and/or its bound capital account, if the remaining funds are checked to be less than the preset amount, set the group The account automatically receives payments from the associated main account; rule 4) uses the shared points of the group account to pay; rule 5) if the group account and/or its bound capital account has insufficient funds in the real-time transaction, the order will be automatically resolved to The payment task is transferred to multiple main accounts associated with it; rule 6) through the main account to determine whether to cooperate with the group account, and determine the fund account associated with the group of accounts and the payment ratio for participating in the coordinated transaction; rule 7) through the main The account determines whether the collaborative payment request initiated by the group account is secret-free payment; Rule 8) The funds in the restricted group account or
  • a message channel is established between each subject account associated with the group of accounts.
  • At least one of the subject accounts is associated with multiple group accounts.
  • this application provides a service terminal, including: the account system as described in the first aspect.
  • this application provides a transaction processing method, which is applied to an account system including at least one group account; wherein each group account can be associated with one or more subject accounts Each of the subject accounts can call one or more currency accounts; the transaction method includes: obtaining a transaction master order for transactions in which a group of accounts participate; searching for each subject account associated with the group of accounts; The main transaction order is allocated to one or more of the main accounts found for processing.
  • the allocating to one or more of the subject accounts for processing includes: sending the transaction master order to one subject account for processing; or, sending the transaction
  • the main order is broken down into multiple transaction sub-orders, which are respectively allocated to multiple main accounts.
  • the transaction processing method includes: in the case of a plurality of current subject accounts cooperating to process a transaction master order, prioritizing the allocation of the transaction master order or its decomposed transaction sub-orders Give one or more current main accounts with trading advantages; and/or withdraw the main trading order or trading sub-orders of one or more current main accounts that currently do not have trading capabilities.
  • the principal account when multiple principal accounts coordinately process the main order transaction of the associated group of accounts, the principal account can autonomously authorize and control the acceptance or rejection of branch transactions assigned to him, or directly Reject the master order transaction for the group of accounts.
  • the transaction processing method includes: generating group account transaction details about the transaction master order for query; wherein, the group account transaction details include: participation of each subject account The transaction details processed by the transaction master order.
  • this application provides a transaction processing system, which is applied to an account system including at least one group account; each of the subject accounts can call one or more currency accounts;
  • the transaction processing system includes: a group account management module, used to manage group accounts in the account system; an order management module, used to obtain transaction master orders related to transactions involving a group of accounts, and search through the group account management module
  • Each subject account associated with the group of accounts allocates the transaction master order to one or more of the found subject accounts for processing.
  • this application provides a transaction method, which includes: initiating or accepting transactions with a group of accounts; wherein the group of accounts can be associated with one or more subject accounts; each One of the principal accounts can call one or more currency accounts; obtain the total transaction order related to the transaction behavior or the transaction sub-orders of the total transaction order, and call the principal account associated with the group of accounts to perform the Processing of total orders or sub-orders of transactions.
  • this application provides a transaction system, including: a transaction interface module for initiating or accepting transactions with a group of accounts; wherein the group of accounts can be associated with one or more Each subject account is associated; each subject account can call one or more currency accounts; the transaction execution module is used to obtain the transaction total order related to the transaction behavior or the transaction sub-orders of the transaction total order, and Call the main account associated with the group of accounts to process the total order or sub-order of the transaction.
  • the present application provides an electronic device, including: one or more communicators, one or more processors, and one or more memories; the one or more communications The one or more memories are used to store one or more computer programs; the one or more processors are used to run one of the computer programs to execute The method according to any one of the three aspects; or, running another of the computer programs to execute the method according to any one of the fifth aspects.
  • the present application provides a computer-readable storage medium storing one or more computer programs; one of the computer programs is executed when one or more processors are run, such as the third The method according to any one of the aspects; wherein another computer program executes the method according to any one of the fifth aspects when executed by one or more processors.
  • this application relates to an account system, transactions and processing methods, terminals, systems, devices, and media.
  • the account system provides at least one group account; each of the subject accounts can call one or more currency accounts;
  • the account serves as the interface between the subject account and external transactions.
  • an account system based on the concept of "group account” is constructed, which can effectively apply and support consumption application scenarios similar to households/groups/communities compared to the existing online payment that only uses a single subject as a unit , It brings great convenience to the solution of coordinated consumption, coordinated payment, coordinated settlement/clearing, and coordinated reconciliation between multiple independent accounts, and is also conducive to supervision.
  • Figure 1 shows a schematic structural diagram of an account system in an embodiment of this application.
  • Fig. 2A shows a schematic diagram of a transaction order distribution method in an embodiment of this application.
  • Figure 2B shows a schematic diagram of yet another transaction order distribution method in an embodiment of this application.
  • FIG. 3A shows a schematic diagram of a communication connection structure in an application scenario of an account system in an embodiment of this application.
  • Figure 3B shows a schematic diagram of an account system in an embodiment of this application.
  • FIG. 4 shows a schematic flowchart of a transaction processing method in an embodiment of the application.
  • FIG. 5 shows a schematic flowchart of a transaction method in an embodiment of this application.
  • Fig. 6 shows a schematic diagram of functional modules of a transaction processing system in an embodiment of this application.
  • FIG. 7 shows a schematic diagram of functional modules of a transaction method in an embodiment of this application.
  • FIG. 8 shows a schematic diagram of a circuit structure of an electronic device in an embodiment of the application.
  • first, second, etc. are used herein to describe various elements in some instances, these elements should not be limited by these terms. These terms are only used to distinguish one element from another element. For example, the first interface and the second interface are described. Furthermore, as used herein, the singular forms “a”, “an” and “the” are intended to also include the plural forms, unless the context dictates to the contrary. It should be further understood that the terms “comprising” and “including” indicate the existence of the described features, steps, operations, elements, components, items, types, and/or groups, but do not exclude one or more other features, steps, operations, The existence, appearance or addition of elements, components, items, categories, and/or groups.
  • this application aims to solve the problems of the prior art by adding a virtual account that can be associated with the main account of each relevant subject as a unified interface with external transactions.
  • the virtual account is called a "group account", which, as the name implies, is an account associated with a group of main accounts.
  • the group account 101 is associated with one or more principal accounts 102, and each principal account 102 can be associated with one or more currency accounts 103.
  • the group account 101 may be an account created in advance by a service terminal in a network, that is, a network account. It may only be related to the user information provided at the time of creation, and may not need to provide users.
  • the actual identity information such as ID number, mobile phone number, etc.
  • the account name of the group account 101 can be defined or automatically generated by the user, for example, any one or a combination of numbers, characters, symbols of predetermined length or unlimited length; optionally, the group The account 101 may have a key when it is created, and the key is used to verify whether it is legal.
  • the subject account 102 includes: an online payment account; wherein, the online payment account, for example, an online banking account, and a third-party payment system account (such as Alipay, WeChat, QQ, etc.) Many kinds.
  • the online payment account for example, an online banking account
  • a third-party payment system account such as Alipay, WeChat, QQ, etc.
  • the principal account 102 can also be created directly in the cloud system and signed or terminated by authorization.
  • the method establishes or disassociates the relationship with the currency account 103 and the group of accounts 101.
  • the subject account 102 can also be other accounts in the existing system, such as Alipay, WeChat, QQ, and the subject account 102 can be connected to the cloud system through the existing system, and can be connected to the cloud system by means of authorization or termination.
  • the group account 101 created by the system establishes or disassociates the relationship.
  • the currency account 103 includes: one or more of a bank account and a virtual currency account 103; the virtual currency includes, but is not limited to: currency-linked tokens (or the third-party payment system mentioned above) Balance, etc.), stored value cards, rechargeable cards, points, and blockchain-related currencies (such as Bitcoin) one or more.
  • the virtual currency includes, but is not limited to: currency-linked tokens (or the third-party payment system mentioned above) Balance, etc.), stored value cards, rechargeable cards, points, and blockchain-related currencies (such as Bitcoin) one or more.
  • the identities of the main account and the currency account may be separate, such as an Alipay account and a bank account; and in some embodiments, the identities of the main account and the currency account may not be separate, such as Alipay. , WeChat and QQ accounts, whose balances can be directly settled in currency, so they all have the function of currency accounts at the same time.
  • the subject may be a user, and each subject has subject information describing its characteristics, and the subject information may include: name, gender, work, address, age, ID number, social security account number , Driver’s license number, bank card number, mobile phone number, and other related information. Associate subject information with subject accounts, so that each subject can be distinguished from other subjects' subject accounts.
  • one principal may correspond to only one principal account; in other embodiments, one principal may correspond to multiple principal accounts.
  • the group account may be an account representing a preset group, and one or more subject accounts associated with it may be the accounts of each member subject belonging to the preset group .
  • the preset groups include one or more of families, communities, parks, enterprises/institutions and their subordinate departments, other social organizations, and self-organized groups.
  • different entities corresponding to multiple entity accounts associated with the same group of accounts may not have social relationships, or they may not belong to a predetermined group.
  • the family includes one or more of two-member families, three-member families, and three-generation families, etc.; a community refers to a mutual life formed by a number of social groups or social organizations gathered in a certain field. Large related collectives, such as common living quarters, etc.; parks refer to areas designated by the government in centralized and unified planning, in which certain types of industries and forms of enterprises are specially set up for unified management; said enterprises/institutions include but are not limited to enterprises ( Such as private enterprises, state-owned enterprises, etc.) and public institutions (such as public schools, public hospitals, government departments, etc.) one or more of them, the preset group can also be a department of an enterprise/institution, including but not Limited to one or more of the financial department, administrative department, sales department, and R&D department; the other social organizations include but are not limited to foundations, associations, societies, research associations, chambers of commerce, promotion associations, and federations, etc.
  • the self-organized group can be any self-organized group
  • the group account 101 (which can be called a "family account") corresponding to a family of three, its associated subjects include father A, mother B, and son C. Assume that the son is young and cannot
  • the subject account 102 for the transaction the subject account 102 associated with the family account may include, for example, A's WeChat account and Alipay account, B's Alipay account, and so on.
  • each subject may belong to a different preset group, if a group account 101 is created corresponding to multiple preset groups, one subject account 102 of one subject may also be associated with multiple group accounts. 101.
  • the main account 102 of the father is associated with the family group account 101 of the family, and can also be associated with the family group account 101 of the parent's family, and can also be associated with the enterprise group account 101 of the father's company.
  • the group account 101 can be used as an interface for each subject account 102 associated with it to conduct transactions with the outside.
  • the transaction refers to the receipt/expenditure of currency. For example, salary income, income received from other people's transfers, etc.; another example, expenditures when shopping in an e-commerce system, and transfers to others;
  • the group account 101 can realize currency transactions with the outside through the association relationship with each main account 102, and the association relationship with the currency account 103 through the master account.
  • the transaction behavior may be actively initiated through the group account 101 or passively accepted.
  • the active initiation for example, the active behavior of making purchases and payment on the e-commerce website through the group account 101; the passive acceptance, for example, when payment is required, the user shows the identification information pattern associated with the group account 101 to the merchant (for example, two Dimension code, barcode, etc.) for merchants to scan the code to read.
  • the merchant for example, two Dimension code, barcode, etc.
  • the information interaction in the transaction process can be completed by way of an order.
  • the main transaction order of the shopping transaction is generated when the payment is made;
  • the user shows the identification information pattern associated with the group account 101 to the merchant (for example, two-dimensional codes, barcodes, etc.) for merchants to scan the codes to read, so as to generate a payment request requesting payment from the group account 101 (which can be sent to the system of the management group account 101), and when the payment request is received, the corresponding The transaction master order.
  • the identification information pattern associated with the group account 101 For example, two-dimensional codes, barcodes, etc.
  • the transaction may be completed independently or collaboratively by one or more principal accounts 102 associated with the group account 101.
  • the transaction master order 201 may be delivered to one of the main accounts 102 for completion.
  • the transaction master order 201 corresponding to a payment expense is allocated to the father’s account associated with the family account. Alipay account for processing; or, as shown in FIG. 2B, the transaction master order 201 can be delivered to multiple subject accounts 102 for collaborative completion, for example, the transaction master order 201 corresponding to a payment expense is decomposed into two transaction sub-orders 202, The Alipay accounts of the father and mother respectively assigned to the family account for processing.
  • the one or more subject accounts 102 can call their associated currency accounts 103 (for example, bank accounts, virtual currency accounts 103) to complete the assigned transaction orders; when the assigned transaction master order 201 or all transactions are detected If all the sub-orders 202 are processed (for example, paid), the transaction between the group account 101 and the outside is completed.
  • their associated currency accounts 103 for example, bank accounts, virtual currency accounts 103
  • branch orders are generally first paid to the group account (or the currency account bound to the group account), and after all branches are completed, the group account is automatically paid to the merchant account at one time; of course, the branch order is also set according to the rules Payment can be made directly to the merchant account.
  • the transaction system needs to ensure the overall transactional nature of a complex transaction process composed of multi-branch transactions such as master orders and sub-orders of group accounts. That is, either all the cooperative participants are successfully completed, and the entire transaction is successful. If any party refuses to participate in the collaborative transaction or is unsuccessful, other parties can view the transaction status of each party in real time. Within a certain period, they can choose to compensate for this part of the branch transaction, and the system allows this part to be compensated by other parties. Participate in successfully completing the transaction; after a certain period of time, the system should roll back all the branch transactions of the successful participants.
  • the main transaction order 201 may be decomposed by a preset strategy to obtain each transaction sub-order 202.
  • the preset strategy may be executed according to, for example, a fixed/dynamic ratio.
  • the father’s main account 102 in the family account is responsible for 70% of the expenditure, and the mother’s main account 102 is responsible for 30% of the expenditure; the father’s main account 102 in the family account is responsible for 30% of the income, and the mother’s The main account 102 is responsible for 70% of income, etc.;
  • the main accounts 102 under the group account 101 can automatically adjust the ratio according to the difference in the balance of the currency account 103; among them, the currency account 103 has a larger total balance, the payment ratio is higher, and the income ratio can be lower. Low; while the total balance of currency account 103 is lower, the payment ratio is lower and the income ratio can be higher.
  • each subject can have multiple subject accounts 102, for example, the father under the family account has two subject accounts 102 of Alipay and WeChat, a preset strategy can also be set to set the priority of each subject account 102 to receive orders.
  • the preset strategy may include: prioritizing the allocation of the main transaction order or its decomposed sub-orders to There are one or more current main accounts with trading advantages; and/or, withdraw the main trading order or sub-orders of one or more current main accounts that currently do not have trading capabilities.
  • the family when multiple current subject accounts are cooperating to process a master transaction order, the family can open a family account, manage the family's shared assets, and associate and bind family members' subject accounts. When the family account conducts a transaction on the assets of the family account, it needs to be authorized and accepted by the associated principal account member(s) before the asset transaction of the family account can be executed.
  • the transaction advantages include but are not limited to: a certain principal account or its currency account has transaction discounts, discount rewards, etc., or the aforementioned currency account has a large balance, etc., then corresponding to such principal accounts, priority can be allocated The main transaction order or its decomposed transaction sub-orders; on the contrary, if a subject account does not currently have the transaction capability, for example, there is no currency to complete the payment transaction, etc., such information can be ignored if this information is detected or notified Account is not allocated for trading orders.
  • the mother can also directly show the QR code corresponding to the family account after setting the payment ratio.
  • the total transaction order generated by the merchant after scanning the code is divided into two sub-orders of 60% and 40%. 202 , 40% of orders are notified to mothers for payment, and 60% of orders are sent to fathers for payment.
  • the existing implementation method is: a parent does the work in the group, and the parent’s money is received into their payment account through the group fee, and then the order is paid for by themselves.
  • this implementation method lacks the concept of group accounts and its corresponding functions (reflecting the aggregate behavior of multiple subjects), it naturally lacks the link between shopping, ordering, payment, and billing, which connects merchants, consumers, and payment systems.
  • the complete electronic consumption process relies only on the trust relationship between parents/class teachers, which is very unreliable, and because each income and expenditure needs to be managed manually by the parent/class teacher, it is prone to errors.
  • the group account 101 corresponds to the transaction details of the group account 101 for query, and the transaction details of the group account 101 include each subject account 102 associated with the group account 101. A collection of transaction details of the subject account 102 generated by the incoming transaction.
  • the corresponding group account 101 transaction details that is, a household transaction bill
  • the main account 102 of the father pays 60% of the fee
  • the main account 102 of the mother pays 40% of the fee.
  • each transaction in the corresponding record may contain multiple fields, such as: the associated transaction total order ID (which may also include the transaction sub-order 202 ID), the group account 101 ID, and the principal account 102 ID, amount, and transaction time, etc., the required transaction details can be inquired according to one or more of these fields.
  • this application uses the group account 101 to automatically allocate transaction orders and control the way the transaction order is completed, which solves this problem well.
  • FIG. 3A a schematic diagram of a scenario implemented by the account system in an embodiment of the present application is shown.
  • the account system can be implemented in a network system 303, which includes, for example, a local area network (such as an intranet), a wide area network (such as the Internet), a cellular network or some combination thereof, and can include any number of wired or wireless link.
  • a network system 303 includes, for example, a local area network (such as an intranet), a wide area network (such as the Internet), a cellular network or some combination thereof, and can include any number of wired or wireless link.
  • One or more networks can also include direct connections between one or more components.
  • a variety of communication protocols such as TCP/IP, HTTP, SMTP, FTP
  • encoding or formats such as HTML, XML
  • protection schemes such as VPN, secure HTTP, SSL
  • the wired and/or wireless connections can carry communications on one or more networks.
  • the account system can be implemented in a payment system and mounted on the service terminal 301 that is connected to the network system 303.
  • the payment system can implement a third-party payment system/financial institution interface to interface with a third-party payment system network account Interface with financial institution accounts such as banks and their payment functions; wherein, the service terminal 301 can be implemented by a server/server group in a centralized network, or can be implemented by multiple network devices in a distributed network.
  • the server group includes but is not limited to: one or more of an application server, a database server, an encryption machine, a communication server, a management monitoring server, and a security server.
  • the service terminal 301 may include a group account management module 304 for group account management and maintenance; the provision of group account life cycle management (such as group account creation, cancellation, etc.); the group account management
  • the module can also be used to manage one or more functions of funds, bills, credit, accounting, clearing, and risk control related to the main account centered on the group account.
  • the user terminal 302 (for example, a desktop computer, a notebook computer, a tablet computer, or a smart phone) can access the service terminal 301 through the network system 303, initiate a group account creation request, and then input information to create a group account; and, the user terminal 302
  • the subject account (or the subject account can be untied by canceling the contract) can be associated with the group account through a contract; the subject account can be an existing payment account such as Alipay, WeChat, QQ, etc., or it can be in the payment A payment account with a currency account created by the system.
  • the user terminal 302 may be provided with a verification code related to the binding operation when signing the contract, and verification is performed to complete the association binding. set.
  • the user terminal 302 can access the service terminal 301 through a browser (based on B/S architecture), client APP (based on C/S), official account/service account applet, etc., and Log in to its principal account.
  • a browser based on B/S architecture
  • client APP based on C/S
  • official account/service account applet etc.
  • Log in to its principal account.
  • the user of the main account can directly call the group account to perform transaction activities without logging in to the main account at the service terminal 301 when logging in the main account.
  • the service terminal 301 can establish a corresponding communication relationship with the user terminal 302 by acquiring the identity of the user terminal 302 and the communication channel associated with it to receive/send corresponding information.
  • the identity identifier includes, but is not limited to: one or more of ID card number, mobile phone number, WeChat ID, QQ number, and network address;
  • the communication channel includes but is not limited to: mobile phone number, WeChat account One or more of signals, QQ numbers, and network addresses are used to transmit information.
  • the father uses the user terminal A1 to register the group account B on the service terminal, and registers the principal account C1 associated with B (it can also be an existing principal account, such as WeChat and Alipay accounts), and C1 and The bank account D1 is associated;
  • the mother uses the user terminal A2 to register the principal account C2 at the service terminal, and associates C2 with the group account B, and C2 associates with the bank account D2.
  • a total transaction order E is generated.
  • the service terminal decomposes E into transaction sub-orders E1 and E2, and according to the network of the user terminal where C1 and C2 are located Address, send E1 to the user terminal logged in by C1 (for example, A1), and use D1 to pay; send E2 to the user terminal logged in by C2 (for example, A2), and use D2 to pay.
  • E can also be paid by C1 alone, and the service terminal 301 sends E to A1 through the network address of the user terminal A1 where C1 is located, and D1 is used for payment.
  • the service terminal 301 may include an order management module 305, which functions to implement include, but are not limited to: signing/disabling contracts between the main account and the group account, One or more of identity authentication, generation and distribution of orders (including transaction master orders and transaction sub-orders), refunds of single or multiple subject accounts, transaction cancellation, reconciliation, and order docking.
  • an order management module 305 which functions to implement include, but are not limited to: signing/disabling contracts between the main account and the group account, One or more of identity authentication, generation and distribution of orders (including transaction master orders and transaction sub-orders), refunds of single or multiple subject accounts, transaction cancellation, reconciliation, and order docking.
  • the order management module 305 may prioritize the transaction master order or its decomposed transaction sub-orders to one or more transaction advantages.
  • the current subject account for example, a VIP bank account assigned to a subject account, enjoys transaction advantages such as 5% discount, coupons, or excess points rewards for payment; and/or, after receiving the payment from the user terminal 302
  • the order management module 305 withdraws the transaction master order or transaction sub-orders of one or more current master accounts that currently do not have transaction capabilities.
  • a message channel may also be established between the subject accounts to communicate with the subject account, and the message channel transmits electronic messages, such as instant software messages.
  • the service terminal provides an instant message transmission channel between the pre-registered main accounts C1 and C2, and the user terminals where C1 and C2 are located can log in to the service terminal to transmit instant software messages; of course, if C1 and C2 are existing payment system accounts, such as WeChat, Alipay, and QQ accounts.
  • C1 and C2 are existing payment system accounts, such as WeChat, Alipay, and QQ accounts.
  • the payment system with instant messaging function establishes a message channel between the main accounts, such as triggering two WeChat accounts, Alipay accounts, or QQ accounts to directly interact with each other on WeChat messages, Alipay messages, or QQ messages.
  • the group account transaction details can be stored locally in the service terminal 301 or on other storage media that can be accessed via the network, such as a centralized or distributed storage system, and the service terminal 301 can authenticate to The authorized user terminal 302 provides a query service for the transaction details of the corresponding group account or the data extracted therefrom.
  • users usually install electronic wallet system tools that support multi-person collaborative payment based on group accounts on their smartphones/tablets, such as household electronic wallet APPs, through various supports corresponding to the backend
  • electronic wallet system tools that support multi-person collaborative payment based on group accounts on their smartphones/tablets, such as household electronic wallet APPs, through various supports corresponding to the backend
  • the systems are linked to each other to implement the application scenarios of the embodiments.
  • Scene description A family of five, retired parents, three children who have grown up working, and the children support their parents together.
  • Both parents have a shared bank card, and the three working children also have their own bank payroll card accounts.
  • Each of them installs and registers to use an electronic wallet tool that supports the "group account" mode.
  • These electronic wallets, group account system platforms and their back-end supporting network platforms may belong to different financial institutions or operating platforms (the system relationship structure is shown in the figure).
  • the electronic wallet and the back-end network platform are independently operated by multiple financial institutions, while the account group platform is operated by a third-party institution.
  • the financial institution platform and the group account platform interface are interconnected, and the electronic wallet integrates a function package that supports multi-person collaborative payment based on the group account.
  • FIG. 3B it shows a schematic structural diagram of an account system suitable for collaborative payment in an embodiment of the present invention.
  • the applicable background of this embodiment is as follows: a family of five has two parents and three children, and the children support their parents together. The family applied for a family account on a platform in the name of the mother. Both parents have a shared bank card, and the three children have their own bank accounts.
  • the father’s electronic wallet account 51 corresponds to the institution A electronic wallet back-end network platform
  • the mother’s electronic wallet account 52 corresponds to the institution B electronic wallet back-end network platform
  • the first child’s electronic wallet account 53 and the first Both the electronic wallet accounts 54 of the two children correspond to the institution C electronic wallet back-end network platform
  • the third child's electronic wallet account 55 corresponds to the institution D electronic wallet back-end network platform.
  • the mother applies for a family group account through the electronic wallet system or the group account platform, participates in the association to the family group account in the personal electronic wallet, and binds her bank card to the family group account; father; In the e-wallet, they participate in the family group account through the security method of mutual confirmation with the mother (based on SMS, verification code, automatic matching by entering the name of the other party, etc.); children in the e-wallet pass with the mother (based on SMS, verification code, Enter the other party’s name, the system automatically matches, etc.) in a secure way of interactive confirmation, participate in the family group account, bind your bank card to your own electronic wallet, and associate a specific bank card with the group account.
  • the three children cooperate to support the elderly, and the family negotiates to reach the following optional rules that can be set in the electronic wallet:
  • Rule 1 There are 5 people participating in the group account, and three of them are set up to participate in the coordinated branch transaction of the group account.
  • the group account is coordinated every month to automatically transfer and pay a certain amount of funds from the electronic wallet account or bank account of the three children to the group account (or the bank card bound to the group account).
  • the setting ratios are 40%, 40%, and 20%.
  • Rule 3 Check the remaining funds in the group account in real time. If it is checked that the remaining funds in the group account are less than a certain amount, automatically transfer a proportion of funds from the three children’s electronic wallet accounts or bank accounts to the group account (or group account). The bank card bound to the account) to ensure the remaining amount in the group account in real time.
  • Rule 5 During the transfer payment process, the mother can set rules on the group account side: such as setting proportional rules, automatic payments, interactive confirmation payments, payment notifications, etc., and can also close/open the group account in real time based on security and other factors Collaborative payment.
  • Rule 6 In the process of transfer payment, children can also set rules on the electronic wallet side, and this is preferred: such as setting self-pay ratio, automatic payment, real-time interactive confirmation of payment, payment notification, etc. If it is set to confirm the payment interactively, it is possible to interactively determine the transaction ratio in real time based on the current transaction, select the current collaborative payment fund account, and verify the transaction password.
  • a family can open multiple family group accounts, or the group account system supports the opening of sub-accounts such as current accounts and fixed-term accounts under a group account to achieve special management and use of specific funds.
  • sub-accounts such as current accounts and fixed-term accounts under a group account to achieve special management and use of specific funds.
  • the funds on a specific group account or a specific sub-account of the group account (and its associated bank account) when participating in a transaction, the relevant participants of the group account need to cooperate with the authorization and consent before the transaction can be initiated.
  • the preferred strategy includes but is not limited to:
  • Preferred strategy 1 On the parent's electronic wallet account, the group account in which the electronic wallet account participates is used as the priority payment account, that is, the funds in the group account or its bound bank account are used as the preferred payment strategy.
  • the parents show the dynamic QR code of the family group account in the electronic wallet when paying to realize the transaction payment.
  • priority is given to selecting funds in the group account and its bound bank account to pay.
  • the group account is activated for proportional transfer or real-time transaction coordinated transfer payment.
  • the group account checks the balance of the account or its bound bank card account (or can also add points conversion based on the balance), if the balance is enough for this transaction, directly pay and provide a successful payment message.
  • the e-wallet account of each child confirms the transaction order assigned to it by the account of the participating group according to rules or autonomously.
  • the e-wallet account of each child can view the transaction status of all participants in the personal e-wallet in real time, and they can also choose to complete unexecuted branch transactions on behalf of other participants.
  • Preferred strategy 2 On the child’s electronic wallet account, use the personal electronic wallet account or its bound bank account as the priority payment account, that is, when the child presents the electronic wallet dynamic QR code to pay, the funds in his own account are given priority , Instead of using the funds in the group account.
  • children can also actively choose the family group account for payment in their own electronic wallet system, for example, use the family group account to purchase large items for their parents.
  • the process of children using group accounts to pay is similar to the process of parents using group accounts to pay, so I won’t repeat them here.
  • the family can collectively accumulate an asset, by opening a family group account in the group account platform system or opening a special sub-account under the existing group account, storing the asset in it, and setting up collaboration Authorization management rules.
  • the group account system will send transaction authorization confirmation information to all e-wallets participating in the group account, and all participants in the group account (a total of 5 people in this embodiment) can authorize and agree together. Start the transaction process of the family group account to realize the collaborative authorization management of the assets of the family group account.
  • FIG. 4 a schematic flow chart of the transaction processing method in the embodiment of the present application is shown.
  • the method in this embodiment can be applied to, for example, the service terminal 301 in the embodiment of FIG. 3.
  • the method includes:
  • Step S401 Obtain a transaction master order about a group of accounts participating in transactions
  • Step S402 Find each subject account associated with the group account
  • Step S403 Allocate the transaction master order to one or more of the found principal accounts for processing.
  • the allocating to one or more of the subject accounts for processing includes: sending the transaction master order to a subject account for processing; or, sending the transaction master
  • the order is broken down into multiple transaction sub-orders, which are respectively allocated to multiple main accounts.
  • the transaction master order or its decomposed transaction sub-orders are preferentially allocated to one or more transaction advantages.
  • the transaction processing method includes: generating group account transaction details about the transaction master order for query; wherein, the group account transaction details include: each subject account participates in the transaction master Transaction details for order processing.
  • FIG. 5 a schematic flowchart of the transaction method in the embodiment of the present application is shown.
  • the method in this embodiment can be applied to, for example, the user terminal 302 in the embodiment of FIG. 3.
  • the method includes:
  • Step S501 Initiate or accept a transaction with a group of accounts
  • Step S502 Obtain and process the total transaction order related to the transaction behavior or the transaction sub-orders of the total transaction order.
  • the user terminal A1 where the group account is located may only be responsible for executing the initiation or acceptance of transactions, and A general transaction order is generated and the service terminal B is notified, and the service terminal B sends the total transaction order or transaction sub-orders generated according to the strategy to the user terminal A2 where the main account is located for processing.
  • FIG. 6 a schematic diagram of functional modules of the transaction processing system in the embodiment of the present application is shown.
  • the technical principle of this embodiment is the same as that of the method embodiment in FIG. 4, and therefore, the technical features that have been described will not be repeated.
  • the transaction processing system includes:
  • the group account management module 601 is used to manage group accounts in the account system.
  • each of the group accounts can be associated with one or more main accounts; each of the main accounts can call one or more currency accounts; and the group accounts serve as an interface for the main account to conduct transactions with the outside.
  • the order management module 602 is used to obtain the transaction master order related to the transaction in which a group of accounts participate, and to find each principal account associated with the group of accounts through the group account management module, and assign the transaction master order to the searched One or more of the account of each said subject to be processed.
  • the group account management module 601 can be used to implement the group account management module 304 in the embodiment of Figure 3; the order management module 602 can be used to implement the order management module 305 in the embodiment of Figure 3.
  • the allocating to one or more of the subject accounts for processing includes: sending the transaction master order to a subject account for processing; or, sending the transaction master
  • the order is broken down into multiple transaction sub-orders, which are respectively allocated to multiple main accounts.
  • the transaction master order or its decomposed transaction sub-orders are preferentially allocated to one or more transaction advantages.
  • the transaction processing method includes: generating group account transaction details about the transaction master order for query; wherein, the group account transaction details include: each subject account participates in the transaction master Transaction details for order processing.
  • FIG. 7 a schematic diagram of functional modules of the transaction system in the embodiment of the present application is shown.
  • the technical principle of this embodiment is the same as that of the method embodiment in FIG. 5, and therefore, the technical features that have been described will not be repeated.
  • the transaction system includes:
  • the transaction interface module 701 is used to initiate or accept transactions with a group of accounts; wherein the group of accounts can be associated with one or more subject accounts; each of the subject accounts can call one or more currency accounts;
  • the transaction execution module 702 is used to obtain the total transaction order related to the transaction behavior or the transaction sub-orders of the total transaction order, and call the main account associated with the group of accounts to perform the transaction total order or sub-order deal with.
  • module provided in this embodiment is similar to the method provided above, and the implementation manner is similar, so it is not repeated here.
  • each module in the system embodiment of Fig. 6 and Fig. 7 is only a division of logical functions. In actual implementation, it can be fully or partially integrated into a physical entity, or physical On separate. And these modules can all be implemented in the form of software called by processing elements; they can also be implemented in the form of hardware; some modules can be implemented in the form of calling software by processing elements, and some of the modules can be implemented in the form of hardware.
  • the group account management module can be a separately established processing element, or it can be integrated into a certain chip of the above-mentioned device, and it can also be stored in the memory of the above-mentioned device in the form of program code.
  • the processing element calls and executes the functions of the above group account management module.
  • the implementation of other modules is similar.
  • all or part of these modules can be integrated together or implemented independently.
  • the processing element described here may be an integrated circuit with signal processing capabilities.
  • each step of the above method or each of the above modules can be completed by hardware integrated logic circuits in the processor element or instructions in the form of software.
  • the above modules may be one or more integrated circuits configured to implement the above methods, for example: one or more application specific integrated circuits (ASICs for short), or one or more microprocessors ( Digital signal processor, DSP for short), or one or more Field Programmable Gate Array (FPGA for short), etc.
  • ASICs application specific integrated circuits
  • DSP Digital signal processor
  • FPGA Field Programmable Gate Array
  • the processing element may be a general-purpose processor, such as a central processing unit (CPU for short) or other processors that can call program codes.
  • these modules can be integrated together and implemented in the form of a system on chip (syst em-on-a-chip, SOC for short).
  • FIG. 8 a schematic diagram of the circuit structure of the electronic device 600 in the embodiment of the present application is shown.
  • the electronic device 600 can be used to implement, for example, the functions of the service terminal 301 or the user terminal 302 in the embodiment of FIG. 3, that is, for example, the methods in the embodiments of FIG. 4 and FIG. Each functional module in the embodiment.
  • the electronic device 800 includes: one or more communicators 801, one or more processors 802, and one or more memories 803.
  • the one or more communicators 801 are used to communicate with the outside;
  • the one or more memories 802 are used to store one or more computer programs
  • the one or more processors 803 are coupled to the communicator 801 and the memory 802 (for example, coupled via a bus), and are used to run one of the computer programs to execute, for example, the transaction described in the embodiment of FIG. 4 Processing method; or, run another of the computer programs to execute the transaction method described in the embodiment of FIG. 5, for example.
  • the one or more communicators 801 include: a wired network communication module (such as a wired Ethernet card, etc.), a wireless network communication module (such as WiFi, 2G/3G/4G/5G mobile network communication module, and One or more of the IoT network communication modules (such as NB-IOT, Zigbee, Lora modules, etc.).
  • a wired network communication module such as a wired Ethernet card, etc.
  • a wireless network communication module such as WiFi, 2G/3G/4G/5G mobile network communication module
  • IoT network communication modules such as NB-IOT, Zigbee, Lora modules, etc.
  • the memory 802 may include, but is not limited to, high-speed random access memory and non-volatile memory.
  • non-volatile memory For example, one or more disk storage devices, flash memory devices, or other non-volatile solid state storage devices.
  • the processor 803 may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU for short), a network processor (Network Processor, NP), etc.; it may also be a digital signal processor (Digital Signal Processing, DSP for short). ), Application Specific Integrated Circuit (ASIC), Field-Programmable GateArray (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components
  • CPU Central Processing Unit
  • NP Network Processor
  • DSP Digital Signal Processing
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable GateArray
  • various computer programs involved in the foregoing method embodiments can be loaded in a computer-readable storage medium, which may include, but is not limited to, a floppy disk , CD, CD-ROM (compact disk-read only memory), magneto-optical disk, ROM (read only memory), RAM (random access memory), EPROM (erasable programmable read only memory), EEPROM (electrically available Erase programmable read-only memory), magnetic or optical cards, flash memory, or other media/machine-readable media suitable for storing machine-executable instructions.
  • the computer-readable storage medium may be a product that is not connected to a computer device, or a component that has been connected to a computer device for use.
  • the computer program is a routine, program, object, component, data structure, etc. that executes a specific order or realizes the attributes of a specific abstract data item.
  • this application relates to account systems, transactions and processing methods, terminals, systems, devices, and media.
  • the account system provides at least one group account; wherein each group account can be associated with one or more subject accounts
  • Each of the subject accounts can call one or more currency accounts; the group of accounts serves as an interface for the subject account to conduct transactions with the outside.
  • an account system based on the concept of "group account” is constructed, which can effectively apply and support consumption application scenarios similar to households/groups/communities compared to the existing online payment that only uses a single subject as a unit , It brings great convenience to the solution of coordinated consumption, coordinated payment, coordinated settlement/clearing, and coordinated reconciliation between multiple independent accounts, and is also conducive to supervision.
  • the technical solution of this application can better connect with the existing online payment system, so that the user experience can be smoothly transferred. Therefore, while bringing new technologies and applicable functions, the construction, operation and promotion costs are lower

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Abstract

一种账户系统、交易及其处理方法、终端、系统、装置及介质，账户系统提供至少一个组账户；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。本申请技术方案中构建基于"组账户"概念的账户系统，相对现有仅以单个主体为单位的网络支付来说，能有效的适用和支持类似家庭/群组/社区为单位的消费应用场景，为解决多个独立账户之间的协同消费、协同支付、协同结算/清算、协同对账带来巨大的方便性，也利于监管。

Description

账户系统、交易及其处理方法、终端、系统、装置及介质 技术领域
本申请涉及电子支付技术领域，尤其涉及账户系统、交易及其处理方法、终端、系统、装置及介质。
背景技术
网络支付、移动支付已经成为人们日常生活必须的公共产品。不论是线上还是线下适用的支付场景，每个网络虚拟支付账号都需要通过实名身份认证，完成身份证信息绑定后，才能启动支付功能。为此，当前所有的网络支付系统都是实现一个虚拟网络账号与一个实名身份账号的一对一绑定，例如支付宝账户、微信账户等；据此，该虚拟网络支付账号才可以绑定(已经通过认证的)实名账号的银行账号(银行卡)，完成网络账号与银行账户之间的一一绑定。
也就是说，当前的支付管理系统，不论是线上还是线下，账号主体全都是基于单一/唯一实名身份。
但是，随着支付深度融于人们的日常生活，支付场景呈现多元化和多样性，组织化的复杂支付场景越来越多，完全独立的实名账户支付体系无法更好的满足支付多元化需求。多实名主体基于一个组织化场景的协同支付管理的需求逐步涌现。
以家庭为例，中小学、幼儿园每月缴纳的餐费、课外书本费等小额支付，由于涉及到未成年学生，他们不能使用现有的需要实名认证的网络支付体系，所以只能通过现金交付。存在忘带、丢失、假钞等诸多问题，给家长、学生、老师都带来各种麻烦。
另外一方面，鉴于以家庭为单位的资产管理、信用管理、信贷消费、社保税收、金融监管的需求的日益增长，目前也没有办法对家庭中各账号主体(如父亲、母亲等)的整体收支情况进行统计。
发明内容
鉴于以上所述现有技术的缺点，本申请涉及目的在于提供账户系统、交易及其处理方法、终端、系统、装置及介质，解决现有技术中支付管理系统都是采用独立账户进行收支的问题。
为实现上述目标及其他相关目标，第一方面，本申请提供一种账户系统，包括：至少一个组账户；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。
在第一方面的一实施例中，每个主体账户关联有主体；关联于同一组账户的各主体归属于同一预设团体。
在第一方面的一实施例中，所述预设团体包括：家庭、社区、园区、企/事业单位及其下属部门、其它社会组织、及自组群体中的一种或多种。
在第一方面的一实施例中，所述主体账户包括：网络支付账户。
在第一方面的一实施例中，所述货币账户包括：银行账户及虚拟货币账户中的一种或多种。
在第一方面的一实施例中，所述组账户通过签约/解约方式与主体账户建立/解除关联关系。
在第一方面的一实施例中，所述组账户对应有组账户交易明细以供查询，所述组账户交易明细包含其所关联的各个主体账户在处理由该组账户所接入的交易而产生的主体账户交易明细的集合。
在第一方面的一实施例中，所述交易对应的交易主订单分解为分配给多个关联的所述主体账户的交易分订单。
在第一方面的一实施例中，各所述交易分订单是按优选支付策略对所述交易主订单进行分解得到的。
在第一方面的一实施例中，所述账户系统基于优选支付策略并根据组账户和/或其绑定的资金账户的支付能力来为当前的支付请求选择支付对象，其包括：确定优选支付策略中的优选支付对象；若优选支付对象为主体账户，则由该主体账户和/或其绑定的资金账户进行支付；若优选支付对象为组账户，则判断组账户和/或其绑定的资金账户是否具备当前支付请求所需的支付能力；若具备支付能力，则由组账户和/或其绑定的资金账户进行支付；若不具备支付能力，则按照协同支付规则向关联于该组账户的各个主体账户分配支付任务，以令各主体账户和/或其绑定的资金账户进行协同支付。
在第一方面的一实施例中，所述协同支付规则包括如下规则中的任意一种或多种的组合：规则1)通过组账户确定全部或部分主体账户的协同支付的参与权限；规则2)通过组账户确定各主体账户的支付比例以及支付模式；规则3)定时检查组账户和/或其绑定的资金账户中的剩余资金情况，若检查到剩余资金小于预设金额，则设置组账户自动从关联的主体账户收款；规则4)使用组账户的共享积分进行支付；规则5)若组账户和/或其绑定的资金账户在实时交易中资金不足，则自动分解订单以将支付任务转移至与之关联的多个主体账户；规则6)通过主体账户确定是否与组账户协同交易，并确定关联于该组账户的资金账户以及参与协同交易的支付比例；规则7)通过主体账户确定是否对组账户发起的协同支付请求免密支付； 规则8)设限组账户或者组账户名下设限的子账户及该子账户绑定的资金账户上的资金，在相关参与账户协同授权后启动协同交易。
在第一方面的一实施例中，在所述组账户关联的各主体账户间建立有消息通道。
在第一方面的一实施例中，至少一个所述主体账户关联于多个组账户。
为实现上述目标及其他相关目标，第二方面，本申请提供一种服务终端，包括：如第一方面所述的账户系统。
为实现上述目标及其他相关目标，第三方面，本申请提供一种交易处理方法，应用于包括至少一个组账户的账户系统；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述交易方法包括：获取关于一组账户所参与交易的交易主订单；查找与所述组账户关联的各主体账户；将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
在第三方面的一实施例中，所述分配至各所述主体账户中的一或多个进行处理，包括：将所述交易主订单发送至一个主体账户进行处理；或者，将所述交易主订单分解为多个交易分订单，分别分配给多个所述主体账户。
在第三方面的一实施例中，所述的交易处理方法包括：在多个当前主体账户协同处理一交易主订单的情况下，将所述交易主订单或其分解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户；和/或，撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。在第三方面的一实施例中，当多个主体账户协同处理所关联的所述组账户的主订单交易时，所述主体账户可以自主授权控制接受或拒绝分配给他的分支交易，或者直接拒绝所述组账户的所述主订单交易。
在第三方面的前述任一实施例中，所述的交易处理方法包括：生成关于所述交易主订单的组账户交易明细以供查询；其中，所述组账户交易明细包括：各主体账户参与该交易主订单处理的交易明细。
为实现上述目标及其他相关目标，第四方面，本申请提供一种交易处理系统，应用于包括至少一个组账户的账户系统；每个所述主体账户能调用一或多个货币账户；所述交易处理系统包括：组账户管理模块，用于管理所述账户系统中的组账户；订单管理模块，用于获取关于一组账户所参与交易的交易主订单，并通过所述组账户管理模块查找与所述组账户关联的各主体账户，将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
为实现上述目标及其他相关目标，第五方面，本申请提供一种交易方法，包括：以一组账户发起或接受交易行为；其中，所述组账户能与一或多个主体账户关联；每个所述主体账 户能调用一或多个货币账户；获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并调用与该组账户关联的主体账户进行所述交易总订单或分订单的处理。
为实现上述目标及其他相关目标，第六方面，本申请提供一种交易系统，包括：交易接口模块，用于以一组账户发起或接受交易行为；其中，所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；交易执行模块，用于获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并调用与该组账户关联的主体账户进行所述交易总订单或分订单的处理。
为实现上述目标及其他相关目标，第七方面，本申请提供一种电子装置，包括：一个或多个通信器、一个或多个处理器及一个或多个存储器；所述一个或多个通信器，用于与外部通信；所述一个或多个存储器，用于存储一种或多种计算机程序；所述一个或多个处理器，用于运行其中一种所述计算机程序以执行如第三方面中任一项所述的方法；或者，运行其中另一种所述计算机程序以执行如第五方面中任一项所述的方法。
为实现上述目标及其他相关目标，第八方面，本申请提供一种计算机可读存储介质，存储有一或多种计算机程序；其中一种计算机程序被一或多个处理器运行时执行如第三方面中任一项所述的方法；其中另一种计算机程序被一或多个处理器运行时执行如第五方面中任一项所述的方法。
如上所述，本申请涉及账户系统、交易及其处理方法、终端、系统、装置及介质，账户系统提供至少一个组账户；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。本申请技术方案中构建基于“组账户”概念的账户系统，相对现有仅以单个主体为单位的网络支付来说，能有效的适用和支持类似家庭/群组/社区为单位的消费应用场景，为解决多个独立账户之间的协同消费、协同支付、协同结算/清算、协同对账带来巨大的方便性，也利于监管。
附图说明
图1显示为本申请实施例中一种账户系统的结构示意图。
图2A显示为本申请实施例中一种交易订单分配方式的示意图。
图2B显示为本申请实施例中又一种交易订单分配方式的示意图。
图3A显示为本申请实施例中一种账户系统应用场景中通信连接结构示意图。
图3B显示为本申请实施例中的账户系统的示意图。
图4显示为本申请实施例中一种交易处理方法的流程示意图。
图5显示为本申请实施例中一种交易方法的流程示意图。
图6显示为本申请实施例中一种交易处理系统的功能模块示意图。
图7显示为本申请实施例中一种交易方法的功能模块示意图。
图8显示为本申请实施例中一种电子装置的电路结构示意图。
具体实施方式
以下通过特定的具体实例说明本申请的实施方式，本领域技术人员可由本说明书所揭露的内容轻易地了解本申请的其他优点与功效。本申请还可以通过另外不同的具体实施方式加以实施或应用，本说明书中的各项细节也可以基于不同观点与应用，在没有背离本申请的精神下进行各种修饰或改变。需说明的是，在不冲突的情况下，本申请中的实施例及实施例中的特征可以相互组合。
下面以附图为参考，针对本申请的实施例进行详细说明，以便本申请所属技术领域的技术人员能够容易地实施。本申请可以以多种不同形态体现，并不限定于此处说明的实施例。
为了明确说明本申请，省略与说明无关的部件，对于通篇说明书中相同或类似的构成要素，赋予了相同的参照符号。
在通篇说明书中，当说某部件与另一部件“连接”或“耦接”时，这不仅包括“直接连接”的情形，也包括在其中间把其它元件置于其间而“间接连接”的情形。另外，当说某种部件“包括”某种构成要素时，只要没有特别相反的记载，则并非将其它构成要素排除在外，而是意味着可以还包括其它构成要素。
当说某部件在另一部件“之上”时，这可以是直接在另一部件之上，但也可以在其之间伴随着其它部件。当对照地说某部件“直接”在另一部件“之上”时，其之间不伴随其它部件。
虽然在一些实例中术语第一、第二等在本文中用来描述各种元件，但是这些元件不应当被这些术语限制。这些术语仅用来将一个元件与另一个元件进行区分。例如，第一接口及第二接口等描述。再者，如同在本文中所使用的，单数形式“一”、“一个”和“该”旨在也包括复数形式，除非上下文中有相反的指示。应当进一步理解，术语“包含”、“包括”表明存在所述的特征、步骤、操作、元件、组件、项目、种类、和/或组，但不排除一个或多个其他特征、步骤、操作、元件、组件、项目、种类、和/或组的存在、出现或添加。此处使用的术语“或”和“和/或”被解释为包括性的，或意味着任一个或任何组合。因此，“A、B或C”或者“A、B和/或C”意味着“以下任一个：A；B；C；A和B；A和C；B和C；A、B和C”。仅当元件、功能、步骤或操作的组合在某些方式下内在地互相排斥时，才会出现该定义的例外。
此处使用的专业术语只用于言及特定实施例，并非意在限定本申请。此处使用的单数形态，只要语句未明确表示出与之相反的意义，那么还包括复数形态。在说明书中使用的“包括”的意义是把特定特性、区域、整数、步骤、作业、要素及/或成份具体化，并非排除其它特性、区域、整数、步骤、作业、要素及/或成份的存在或附加。
表示“下”、“上”等相对空间的术语可以为了更容易地说明在附图中图示的一部件相对于另一部件的关系而使用。这种术语是指，不仅是在附图中所指的意义，还包括使用中的装置的其它意义或作业。例如，如果翻转附图中的装置，曾说明为在其它部件“下”的某部件则说明为在其它部件“上”。因此，所谓“下”的示例性术语，全部包括上与下方。装置可以旋转90°或其它角度，代表相对空间的术语也据此来解释。
虽然未不同地定义，但包括此处使用的技术术语及科学术语，所有术语均具有与本申请所属技术领域的技术人员一般理解的意义相同的意义。普通使用的字典中定义的术语追加解释为具有与相关技术文献和当前提示的内容相符的意义，只要未进行定义，不得过度解释为理想的或非常公式性的意义。
现有技术中的各个主体的主体账户之间在进行例如支付、收入等交易行为时，皆是相互独立运作的，从而才引发现有技术中的各种问题。
鉴于此根源问题，本申请旨在通过增设能与各相关主体的主体账户进行关联的虚拟账户，作为统一的与外部交易的接口，从而解决现有技术的问题。
在以下的实施例中，将该虚拟账户称之为“组账户”，顾名思义，是关联于一组主体账户的一个账户。
如图1所示，展示本申请实施例中账户系统的结构示意图。
在图1中，所述组账户101关联于一或多个主体账户102，而每个主体账户102可以关联于一或多个货币账户103。
在一或多个实施例中，所述组账户101可以是在一网络中的服务终端预先创建的账户，即网络账户，它可以仅与创建时提供的用户信息相关，而可以不需要提供用户的实际身份信息，例如身份证号、手机号等。
其中，所述组账户101的账户名可以由用户自行定义或自动生成，例如预定长短或不限长短的数字、字母亲、符号中的任意一种或多种组合；可选的，所述组账户101在创建时可配合有密钥，通过密钥验证其是否合法。
在一或多个实施例中，所述主体账户102包括：网络支付账户；其中，所述网络支付账户例如网银账户、及第三方支付系统账户(如支付宝、微信、QQ等)中的一或多种。
需特别说明的是，若所述组账户101是在一云端系统创建，如果所述云端系统本身就是支付系统，则所述主体账户102也可以直接在该云端系统创建并通过授权签约或解约的方式与货币账户103及所述组账户101建立或解除关联关系。
当然，所述主体账户102也可以是现有系统的其它账户，例如支付宝、微信、QQ，则所述主体账户102可以通过现有系统与云端系统对接，以授权签约或解约的方式与在云端系统创建的组账户101间建立或解除关联关系。
相应的，所述货币账户103包括：银行账户及虚拟货币账户103中的一种或多种；所述虚拟货币包括但不限于：与货币挂钩的代币(也可以是上述第三方支付系统的余额等)、储值卡、充值卡、积分、及区块链相关货币(如比特币)中的一种或多种。
在一些实施例中，所述主体账户和货币账户的身份可以是分开的，例如支付宝账户和银行账户；而在一些实施例中，所述主体账户和货币账户的身份未必是分开的，例如支付宝、微信和QQ账户，其余额可直接进行货币结算，因此都同时还兼具了货币账户的功能。
在一或多个实施例中，所述主体可以是用户，每个主体具有描述其特征的主体信息，所述主体信息可以包括：姓名、性别、工作、住址、年龄、身份证号、社保账号、驾驶证号、银行卡号、手机号及其它相关信息中的一或多种。将主体信息与主体账户关联，从而能得到每个主体区别于其它主体的主体账户。
在一实施例中，一个主体可以仅对应于一个主体账户；在其它实施例中，一个主体可以对应于多个主体账户。
可选的，在一或多个实施例中，所述组账户可以是代表一个预设团体的账户，则其关联的一或多个主体账户可以是属于该预设团体的各成员主体的账户。
具体来讲，所述预设团体包括：家庭、社区、园区、企/事业单位及其下属部门、其它社会组织、及自组群体中的一种或多种。当然，在其它实施例中，关联于同一组账户的多个主体账户所对应的不同主体间也可以没有社会关系，不属于某个预设团体亦可。
其中，所述家庭包括：两口家庭、三口家庭、及三代同堂家庭等中的一种或多种；社区指的是若干社会群体或社会组织聚集在某一个领域里所形成的一个生活上相互关联的大集体，例如常见的生活小区等；园区是指政府集中统一规划指定区域，区域内专门设置某类行业、形态的企业等进行统一管理；所述企/事业单位包括但不限于企业(如私有企业、国营企业等)、及事业单位(如公立学校、公立医院、政府部门等)中的一种或多种，所述预设团体还可以是企/事业单位的部门，包括但不限于财务部门、行政部门、销售部门、及研发部门等中的一种或多种；所述其它社会组织包括但不限于基金会、协会、学会、研究会、商会、促进会、 及联合会等中的一种或多种；所述自组群体可以是任意自行组织的团体，包括但不限于同学群、家长群、同事群、好友群、爱好群、网友群、项目组、及课题组等等中的一种或多种。
以家庭为例，在一个三口之家的家庭对应的组账户101(可称为“家庭账户”)下，其关联的主体有父亲A、母亲B、子C，假设子年幼而未有可以进行交易的主体账户102，则该家庭账户关联的主体账户102可以包括：例如A的微信账户和支付宝账户，B的支付宝账户等。
根据上述可知，由于每个主体可能属于不同的预设团体，则若对应多个预设团体均创建有组账户101的情况下，则一个主体的一个主体账户102也有可能关联于多个组账户101。
例如，在一家庭中，父亲的主体账户102既关联于本家庭的家庭组账户101，也可以关联于其父母所在家庭的家庭组账户101，还可以关联于父亲所在企业的企业组账户101。
所述组账户101可以作为其所关联的各主体账户102与外部进行交易的接口。
所述交易，指的是货币的收/支。例如，工资收入，接收他人转账的收入等；又例如，在电商系统购物时的支出，转账给他人的支出等；。
所述组账户101通过与各主体账户102的关联关系，且通过主账户绑定货币账户103的关联关系，就可以实现与外部的货币交易行为。
所述交易行为可以是通过所述组账户101主动发起或被动接受的。
所述主动发起，例如通过组账户101在电商网站进行购物并支付的主动行为；所述被动接受，例如在需要支付时，用户向商家展示所述组账户101关联的标识信息图案(例如二维码、条形码等)，以供商家扫码读取。
可选的，可以通过订单的方式来完成交易行为过程中的信息交互。
例如，通过组账户101在电商网站进行购物时，在进行支付时产生该购物交易的交易主订单；又例如，所在需要支付时，用户向商家展示所述组账户101关联的标识信息图案(例如二维码、条形码等)，以供商家扫码读取，从而产生请求组账户101支付的支付请求(可以发送到管理组账户101的系统)，并在接收到该支付请求时，生成对应的交易主订单。
所述交易可以是由与组账户101关联的一或多个主体账户102独立或协同完成的。
如图2A所示，在一或多个实施例中，可以将该交易主订单201交付其中一个主体账户102来完成，例如一笔支付开支对应的交易主订单201分配到家庭账户关联的父亲的支付宝账户进行处理；或者，如图2B所示，该交易主订单201可以交付给多个主体账户102协同完成，例如将一笔支付开支对应的交易主订单201分解为两个交易分订单202，分别分配给家庭账户关联的父亲、母亲的支付宝账户进行处理。
之后，所述一或多个主体账户102可以调用它们关联的货币账户103(例如银行账户、 虚拟货币账户103)来完成所分配的交易订单；当检测到分配出去的交易主订单201或所有交易分订单202都处理完成(例如已支付)，则完成此次组账户101与外部的交易。
具体到支付流程细节，分支订单一般先付款到组账户(或组账户绑定的货币账户)，所有分支完成后，再自动由组账户一次性支付给商家账户；当然根据规则设置，分支订单也可以直接付款到商家账户。
所述交易系统需要确保组账户的主订单和分订单这类由多分支交易构成的复杂交易流程的整体事务性。即要么全部协同参与方成功完成，整个交易成功。如果任意一方拒绝参与协同交易或者不成功，其他参与方可以实时的查看到各个参与方的交易状态，在一定期限内，其可以自主选择补偿这部分分支交易，系统允许这部分可以由其他方补偿参与成功完成交易；当超过一定时间周期后，系统应该全部回滚已经成功的参与方的分支交易。
可选的，在一或多个实施例中，可以通过预设策略对所述交易主订单201进行分解以得到各个交易分订单202。
其中，所述预设策略可以是根据例如固定/动态比例执行的。
以固定比例举例来说，家庭账户中的父亲的主体账户102负责70％的支出，母亲的主体账户102负责30％的支出；家庭账户中的父亲的主体账户102负责30％的收入，母亲的主体账户102负责70％的收入等；
以动态比例举例来说，组账户101下的各主体账户102之间可以根据货币账户103余额的不同自动调整比例；其中，货币账户103余额总计较多的，支付比例较高而收入比例可以较低；而货币账户103余额总计较低的，支付比例较低而收入比例可以较高。
另外，如果每个主体可以拥有多个主体账户102，例如家庭账户下的父亲拥有支付宝和微信两个主体账户102，也可以预设策略来设定各主体账户102接收订单的优先级。
在一或多个实施例中，在多个当前主体账户协同处理一交易主订单的情况下，所述预设策略可以包括：将所述交易主订单或其分解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户；和/或，撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。在另一些特殊实施例中，在多个当前主体账户协同处理一交易主订单的情况下，家庭可以通过开设家庭账户，管理家庭的共享资产，并关联绑定家庭成员的主体账号。当该家庭账户对该家庭账号的资产进行交易时，需要(一个或多个)关联的主体账号成员授权接受，才能执行该家庭账号的资产交易。
其中，所述交易优势包括但不限于：某个主体账户或其货币账户存在交易的优惠、折扣奖励等，也可以是前述的货币账户余额较多等，则对应此类主体账户，可以优先分配所述交 易主订单或其分解的交易分订单；相反，如果某个主体账户当前不具备交易能力，例如没有货币可以完成支付交易等，则若检测到或被通知此信息时，可以忽略此类账户而不进行交易订单的分配。
举例来说明将交易总订单分解至多个主体账户102支付的优点：
假设母亲带着孩子在实体店看到了一台钢琴，孩子非常喜欢，母亲决定给他买下，但是金额比较大且母亲个人支付有些吃力，于是通过家庭账户下单，并且设置了父亲支付60％而母亲自己支付40％。父亲实时收到了相关的通知消息，其通过远程非现场方式使用其主体账户102支付了分配给他的交易分订单202，孩子母亲得到父亲的支付消息后，也通过出示家庭账户对应的二维码，现场扫码支付了剩余部分。
当然，在其它实施例中，母亲也可以在设置完支付比例后，直接出示家庭账户对应的二维码，商户在扫码后产生的交易总订单分成60％和40％的两份分订单202，40％的订单通知母亲进行支付，60％的订单发给父亲进行支付。在某些场景下，对交易订单的分解有特别大的需求。举例来说，以一家长群为预设团体，班主任(或家长代劳)可以具有对应该家长群的组账户101，家长们将自己的支付账号绑定到该组账户101。通过组账户101在网上书店下订单购买课外书后，每个家长就可以远程通过组账户101支付其孩子(在该订单中)购买的书费。
相比之下，现有实现方式是：某个家长在群里面代劳，通过群收费将各位家长的钱收到自己的支付账户，再由自己下单购买支付。由于这种实现方式缺少(体现多个主体的聚合行为能力)组账号概念及其对应的功能，自然也缺少连接商家-群消费者-支付系统三方环节的购物-下单-拼付-账单的完整电子消费过程，靠的只是家长/班主任之间的人为信任关系代劳，非常不可靠，且由于每笔收支均需要负责的家长/班主任人工管理，易于出错。
在一或多个实施例中，所述组账户101对应有组账户101交易明细以供查询，所述组账户101交易明细包含其所关联的各个主体账户102在处理由该组账户101所接入的交易而产生的主体账户102交易明细的集合。
举例来说，对应前述购买钢琴的例子中，可以生成对应的组账户101交易明细，即家庭交易账单。其中，包含父亲的主体账户102支付60％费用、和母亲的主体账户102支付40％费用的明细。
在一些实施例中，组账户101交易明细中，对应记录的每笔交易可以包含多个字段，如：相关联的交易总订单ID(还可包括交易分订单202ID)、组账户101ID、主体账户102ID、金额、及交易时间等，则所需的交易明细的查询可以根据该些字段中的一或多种来执行。
组账户101交易明细可例示性地展示为下表1所示：
表1
Figure PCTCN2020078546-appb-000001
在表1的例子中，假设在一三口家庭中，只有父母具有主体账户C1、C2，主体账户C2既参与了组账户A的订单E的分订单E2的支付，而且参与了组账户B的订单F的全款支付。
那么，如果查询主体账户C2的交易明细，则可以查到该两笔交易；同理，如果查询主体账户C1的交易明细，可以查询到一笔E1的处理；而如果只查询该交易明细中各分订单的交易明细，则可以查询到E1、E2两笔；如果查询存在单个主体账户独立支付的总订单的情况，则可以查询到一笔C2处理的F；以此类推，还可以查询到整个家庭乃至每个主体的收、支情况。
通过上述举例可知，在利用多个关键字段将每笔组账户ID的交易明细记录下来之后，可以通过不同的关键字段的组合进行所需要的数据的提取及查询。
比较之后可见，本申请通过组账户101进行自动分配交易订单并管控交易订单完成的方式，良好解决这一问题。
如图3A所示，展示本申请实施例中账户系统实现的场景示意图。
所述账户系统可以实现于网络系统303中，所述网络系统303包括：如局域网(例如内联网)、广域网(例如因特网)、蜂窝网络或其某些组合，并且能够包括任何数目的有线或无线链接。一个或多个网络还能够包括在一个或多个部件之间的直接连接。通常，可以使用各种各样的通信协议(例如TCP/IP、HTTP、SMTP、FTP)、编码或格式(例如HTML、XML)和/或保护方案(例如VPN、安全HTTP、SSL)经由任何类型的有线和/或无线连接能够承载一个或多个网络上的通信。
所述账户系统可以实现于一支付系统，并搭载在接入所述网络系统303的服务终端301上，所述支付系统可以实现第三方支付系统/金融机构接口，从而对接第三方支付系统网络账户和银行等金融机构账户及其支付功能接口；其中，所述服务终端301可以是中心化网络中的服务器/服务器组实现，也可以是分布式网络中的多个网络设备协作实现。
在一实施例中，所述服务器组包括但不限于：应用服务器、数据库服务器、加密机、通信服务器、管理监控服务器及安全服务器中的一或多种。
在一实施例中，所述服务终端301可以包括用于组账户管理维护的组账户管理模块304；所述提供组账户的生命周期管理(例如组账户创建、注销等)；所述组账户管理模块还可用于管理以组账户为中心的与主体账户相关的资金、账单、信用、核算、清算、及风控等中的一或多种功能。
用户终端302(例如台式机电脑、笔记本电脑、平板电脑、或智能手机)可通过网络系统303接入该服务终端301，发起组账户创建请求，然后输入信息以创建组账户；并且，用户终端302可以通过签约方式将主体账户(或通过解约来解绑主体账户)关联于所述组账户；所述主体账户可以是现有的支付账户如支付宝、微信、QQ等，也可以是在所述支付系统创建的关联有货币账户的支付账户。
为加强绑定组账户与主体账户时的关联关系而避免出错，在一实施例中，可以通过在签约时提供给用户终端302相关于该绑定操作的验证码，并进行验证来完成关联绑定。
在一些实施例中，所述用户终端302可以通过例如浏览器(基于B/S架构)、客户端APP(基于C/S)、公众号/服务号小程序等方式访问服务终端301，并可以登录其主体账户。
较佳的，在组账户和主体账户关联的情况下，主体账户的使用者可以直接调用组账户进行交易行为，而无需在登录主体账户的情况下再在服务终端301登录主账户。
当然，此仅为优选举例，在实际情况下，也可以既要求主体账户的鉴权无误，也需要组账户在创建时建立的密钥验证无误，从而保障在主体账户丢失或被盗号而被他人利用的情况下，令其无法通过组账户进行交易，并限制其欺骗组账户关联的其它主体账户进行非法交易行为。
所述服务终端301可以通过获取用户终端302身份标识和与之关联的通信途径，从而与其建立相应通信关系，以收/发相应信息。其中，所述身份标识包括但不限于：身份证号、手机号、微信号、QQ号、及网络地址等中的一种或多种；所述通信途径包括但不限于：基于手机号、微信号、QQ号、及网络地址等中的一种或多种进行信息的传递。
例如，在一家庭中，父亲使用用户终端A1在服务终端注册了组账户B，并注册了关联于B的主体账户C1(也可以是现有主体账户，例如微信、支付宝账户)，且C1与银行账户D1关联；母亲使用用户终端A2在服务终端注册了主体账户C2，并将C2关联到组账户B,C2与银行账户D2关联。
如果用户终端A1使用B消费产生交易请求，通过网络发送给服务终端，产生了一笔交 易总订单E，服务终端将E分解为交易分订单E1和E2，并根据C1、C2所在用户终端的网络地址，将E1发给C1所登录的用户终端(例如A1)，使用D1支付；将E2给发给C2所登录的用户终端(例如A2)，使用D2支付。
当然，在其它实施例中，E也可以只由C1单付，则服务终端301将E通过C1所在用户终端A1的网络地址发送给A1，由其使用D1支付。
在一些实施例中，可选的，关于订单交易的管理，所述服务终端301可以包括订单管理模块305，其用于实现的功能包括但不限于：主体账户和组账户间的签约/解约、身份认证、订单(包括交易主订单及交易分订单)生成和分发、单个或多个主体账户的退款、交易撤销、对账、及订单对接等中的一或多种。
举例来说，在多个当前主体账户协同处理一交易主订单的情况下，订单管理模块305可将所述交易主订单或其分解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户，例如，分配给某个主体账户的VIP银行账户，支付享受95折、优惠券、或超额积分回馈等交易优势；和/或，在接收到用户终端302发来的关于其支付所分配的交易分订单时发现余额不足的信息的情况下，订单管理模块305撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。
在一些实施例中，所述各主体账户间也可以建立有消息通道主体账户通信交流，所述消息通道传输的是电子消息，例如即时软件消息等。例如，所述服务终端为预先注册的主体账户C1和C2之间提供即时消息的传输通道，C1和C2分别所在的用户终端之间可以通过登录服务终端来进行即时软件消息的传输；当然，如果C1和C2是现有支付系统账户，例如微信、支付宝、QQ账户，通过现有支付系统提供的消息通道接口，则所述服务终端也可以与微信、支付宝、QQ系统交互以在触发这些集成有即时通信功能的支付系统建立主体账户之间的消息通道，如触发两个微信号、支付宝账号、或QQ号直接进行相互的微信消息交互、支付宝消息交互、或QQ消息交互。
在一些实施例中，组账户交易明细可以存储于该服务终端301本地、或其能通过网络访问的其它存储介质上，例如中心化或分布式存储系统中，并且所述服务终端301可以向鉴权通过的用户终端302提供与其相应的组账户交易明细或据以提取的数据的查询服务。
在多数实施例中，用户通常通过在自己的智能手机/平板电脑上，安装支持基于组账户的多人协同支付的电子钱包系统工具，如：家庭电子钱包APP，通过与后端相应的各支撑系统相互链接，依此来实现各实施例的应用场景。
场景描述：一个五口人家，退休养老的父母，已经成年工作的三个儿女，儿女协同赡养 父母。家庭以母亲的名义在某个平台上申请了家庭账户，父母二人有张共享的银行卡，三个工作的儿女也都有自己的银行工资卡账户。他们每个人都(在智能手机、电脑等)安装和注册使用支持“组账户”模式的电子钱包工具。这些电子钱包，组账户系统平台及其后台支撑网络平台可能属于不同的金融机构或运营平台(系统关系结构如图)。具体本实施例子，电子钱包和后端网络平台属于多家金融机构独立运营，而组账户平台由第三方机构运营。金融机构平台与组账户平台接口互联，电子钱包中集成了支持基于组账户的多人协同支付的功能包。
他们分别在电子钱包中实施下列操作：
母亲：通过电子钱包系统或者组账户平台，申请一家庭组账户。由于电子钱包系统与组账户系统平台(通过其他系统或者直接)互联，在个人的电子钱包中，可以通过申请人姓名、手机号等方式搜索到家庭组账户，将电子钱包个人账户关联到该家庭组账户。并将自己的货币账户(银行卡)绑定到该组账户。
父亲：在个人的电子钱包中搜索到家庭组账户，再通过与母亲(基于短信、验证码、输入对方姓名系统自动匹配等)交互确认的安全方式，将电子钱包个人账户关联到家庭组账户。
儿女：在个人的电子钱包中搜索到家庭组账户，再通过与母亲(基于短信、验证码、输入对方姓名系统自动匹配等)交互确认的安全方式，将电子钱包个人账户关联到家庭组账户。绑定自己的货币账户(银行卡)到自己的电子钱包，并将特定的一张货币账户(银行卡)绑定到组账户上。
使用时，他们自己的手机电子钱包中有两个动态二维码，一个是个人电子钱包账户二维码，一个是家庭组账户二维码。当直接出示家庭组账户动态二维码，实现基于组账户的协同交易。
详细的实施内容如下：
如图3B所示，展示了本发明一实施例中适于协同支付的账户系统的结构示意图。
本实施例的适用背景如下：一家五口共有父母二人和子女三人，儿女协同赡养父母。该家庭以母亲名义在某个平台上申请了家庭账户，父母二人有共享银行卡一张，三个子女分别拥有自己的银行账户。每个人都安装和注册使用支持“组账户”模式的电子钱包工具，这些电子钱包及其后台支撑平台可能属于不同的金融机构或运营平台，也可能属于相同的金融机构或运营平台。
具体如图所示，父亲的电子钱包账户51对应于机构A电子钱包后端网络平台，母亲的电子钱包账户52对应于机构B电子钱包后端网络平台，第一子女的电子钱包账户53以及第二子女的电子钱包账户54都对应于机构C电子钱包后端网络平台，第三子女的电子钱包账 户55对应于机构D电子钱包后端网络平台。
在本实施例中，母亲通过电子钱包系统或者组账户平台，申请一家庭组账户，在个人的电子钱包中参与关联到该家庭组账户，并将自己的银行卡绑定到家庭组账户；父亲在电子钱包中通过与母亲(基于短信、验证码、输入对方姓名系统自动匹配等)交互确认的安全方式，参与到家庭组账户；子女们在电子钱包中通过与母亲(基于短信、验证码、输入对方姓名系统自动匹配等)交互确认的安全方式，参与到家庭组账户，并绑定自己的银行卡到自己的电子钱包，并将特定的一张银行卡关联到组账户上。
通过一个组账户模式，三个子女协同赡养老人，家庭协商达成如下可在电子钱包设置实现的可选规则：
规则1)参与组账户共5人，其中设置三个子女参与组账户的协同分支交易。
规则2)每月定时通过组账号协同，从三个子女的电子钱包账户或者银行账户中自动按比例转移支付一笔资金到组账户(或组账户绑定的银行卡)上。例如，设置比例分别为40％，40％，20％。
规则3)实时检查组账户的剩余资金，若检查到组账户的剩余资金小于一定额度时，从三个子女的电子钱包账户或者银行账户中自动按比例转移支付一笔资金到组账户(或组账户绑定的银行卡)上，以实时确保组账户内的剩余金额。
规则4)交易过程中，若组账户和/或其绑定的资金账户资金不足，则自动分解订单，实时按比例将交易分解成分支交易后转移至三个子女，以请求三个子女通过其个人的电子钱包来支付该笔交易。
规则5)在转移支付的过程中，母亲在组账户端可设定规则：如设置比例规则、自动支付、交互确认支付、支付通知等，也可基于安全等因素，实时关闭/打开组账户的协同支付。
规则6)在转移支付的过程中，子女在电子钱包端也可以设置规则并依此为优选：如设置自己承担比例、自动支付、实时交互确认支付、支付通知等。如果设定交互确认支付又可能根据当前交易，实时交互确定交易比例、选择当前协同支付的资金账户、交易密码验证等。
规则7)在转移支付的过程中，子女在电子钱包端实时关闭/打开参与组账户的协同支付。
规则8)一个家庭可以开设多个家庭组账户，或者组账户系统支持在一个组账户下可以开设类似活期账户、定期账户等子账户，实现特定资金的专项管理和使用功能。但需说明的是，特定组账户或者组账户特定子账户(及其关联绑定的银行账户)上的资金，在参与交易时，需要组账户相关参与人协同授权同意，才能启动交易。
在本实施例较佳的实现方式中，所述优选策略包括但不限于：
优选策略1)在父母的电子钱包账户端，以其电子钱包账户参与的组账户作为优先支付账户，即以使用组账户或其绑定的银行账户内的资金作为优选支付策略。
举例来说，父母在支付时出示电子钱包中家庭组账户的动态二维码，实现交易支付。支付时，优先选择组账户及其绑定的银行账户上的资金来支付，当资金不够时，启动组账户按比例转账或者实时交易的协同转移支付。父母使用组账户进行协同交易的具体流程如下：
1)出示组账户动态二维码，组账户接受交易订单，交易转接到组账户系统。
2)组账户检查本账户或其绑定的银行卡账户的余额(或也可在余额的基础上加上积分折算)，若余额足够此次交易，则直接支付并提供成功支付消息。
3)若余额不够，则按照制定规则，启动三个子女的电子钱包账户的协同交易流程。
4)每个子女的电子钱包账户按规则或者自主交互确认参与组账户分配给其的交易订单。
5)每个子女的电子钱包账户可以实时在个人电子钱包中查看所有参与方的交易状态，其也可以自主选择代为其他参与方完成还未执行的部分分支交易。
6)发起该组账户交易的电子钱包及其后端支撑系统，以及对接的组账户系统，在确认组账户的所有参与方交易都成功后，认定该交易成功。
优选策略2)在子女的电子钱包账户端，以个人的电子钱包账户或其绑定的银行账户作为优先支付账户，即子女在出示电子钱包动态二维码支付时，优先使用自己账户内的资金，而不使用组账户内的资金。
但需说明的是，子女也可以在自己的电子钱包系统中，主动选择该家庭组账户进行支付，例如使用家庭组账户为父母购置大件商品。子女使用组账户进行支付的流程与父母使用组账户进行支付的流程类似，故不再赘述。
可选的，该家庭可共同积累一笔资产，通过在组账户平台系统开设一个家庭组账户或者在现有的组账户下开设一专用子账户，将该笔资产存储于内，并设定协同授权管理规则。在需要运用这笔资产时，组账户系统会向所有参与该组账户的电子钱包发送交易的授权确认信息，由所有该组账户的参与者(本实施例共5人)协同授权同意后，才能启动该家庭组账户的交易流程，实现对该家庭组账户的资产进行协同授权管理。
如图4所示，展示本申请实施例中的交易处理方法的流程示意图。其中，本实施例中的方法可以应用于例如图3实施例中的服务终端301。
所述方法包括：
步骤S401：获取关于一组账户所参与交易的交易主订单；
步骤S402：查找与所述组账户关联的各主体账户；
步骤S403：将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
在本申请的一实施例中，所述分配至各所述主体账户中的一或多个进行处理，包括：将所述交易主订单发送至一个主体账户进行处理；或者，将所述交易主订单分解为多个交易分订单，分别分配给多个所述主体账户。
在本申请的一实施例中，在多个当前主体账户协同处理一交易主订单的情况下，将所述交易主订单或其分解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户；和/或，撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。
在本申请的一实施例中，所述的交易处理方法包括：生成关于所述交易主订单的组账户交易明细以供查询；其中，所述组账户交易明细包括：各主体账户参与该交易主订单处理的交易明细。
需特别说明的是，本实施例中的交易处理方法的原理与前述实施例类似，因此前述实施例中的技术特征可以应用在本实施例中，故在本实施例不对该些技术特征进行重复赘述。
如图5所示，展示本申请实施例中交易方法的流程示意图。其中，本实施例中的方法可以应用于例如图3实施例中的用户终端302。
所述方法包括：
步骤S501：以一组账户发起或接受交易行为；
步骤S502：获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并进行处理。
或者，在其它实施例中，以图3实施例举例来讲，如果组账户和主体账户可以分离在不同用户终端登录，则组账户所在的用户终端A1可以只负责执行发起或接受交易行为，而产生交易总订单并告知服务终端B，服务终端B将交易总订单或根据策略生成的交易分订单发送给主体账户所在的用户终端A2进行处理。
需特别说明的是，本实施例中的交易方法的原理与前述实施例类似，因此前述实施例中的技术特征可以应用在本实施例中，故在本实施例不对该些技术特征进行重复赘述。
如图6所示，展示本申请实施例中交易处理系统的功能模块示意图。本实施例的技术原理与图4方法实施例相同，因此，已阐述的技术特征不作重复赘述。
所述交易处理系统包括：
组账户管理模块601，用于管理所述账户系统中的组账户。
其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。
订单管理模块602，用于获取关于一组账户所参与交易的交易主订单，并通过所述组账户管理模块查找与所述组账户关联的各主体账户，将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
其中，组账户管理模块601可用于实现图3实施例中的组账户管理模块304；订单管理模块602可用于实现图3实施例中的订单管理模块305.
在本申请的一实施例中，所述分配至各所述主体账户中的一或多个进行处理，包括：将所述交易主订单发送至一个主体账户进行处理；或者，将所述交易主订单分解为多个交易分订单，分别分配给多个所述主体账户。
在本申请的一实施例中，在多个当前主体账户协同处理一交易主订单的情况下，将所述交易主订单或其分解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户；和/或，撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。
在本申请的一实施例中，所述的交易处理方法包括：生成关于所述交易主订单的组账户交易明细以供查询；其中，所述组账户交易明细包括：各主体账户参与该交易主订单处理的交易明细。
如图7所示，展示本申请实施例中交易系统的功能模块示意图。本实施例的技术原理与图5方法实施例相同，因此，已阐述的技术特征不作重复赘述。
所述交易系统包括：
交易接口模块701，用于以一组账户发起或接受交易行为；其中，所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；
交易执行模块702，用于获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并调用与该组账户关联的主体账户进行所述交易总订单或分订单的处理。
需要说明的是，本实施例提供的模块与上文中提供的方法，实施方式类似，故不再赘述。
另外，需要说明的是，应理解以上图6及图7系统实施例中的各个模块的划分仅仅是一种逻辑功能的划分，实际实现时可以全部或部分集成到一个物理实体上，也可以物理上分开。且这些模块可以全部以软件通过处理元件调用的形式实现；也可以全部以硬件的形式实现；还可以部分模块通过处理元件调用软件的形式实现，部分模块通过硬件的形式实现。例如，组账户管理模块可以为单独设立的处理元件，也可以集成在上述装置的某一个芯片中实现，此外，也可以以程序代码的形式存储于上述装置的存储器中，由上述装置的某一个处理元件调用并执行以上组账户管理模块的功能。其它模块的实现与之类似。此外这些模块全部或部分可以集成在一起，也可以独立实现。这里所述的处理元件可以是一种集成电路，具有信号 的处理能力。在实现过程中，上述方法的各步骤或以上各个模块可以通过处理器元件中的硬件的集成逻辑电路或者软件形式的指令完成。
例如，以上这些模块可以是被配置成实施以上方法的一个或多个集成电路，例如：一个或多个特定集成电路(Application Specific Integrated Circuit，简称ASIC)，或，一个或多个微处理器(digital signal processor，简称DSP)，或，一个或者多个现场可编程门阵列(Field Prog rammable Gate Array，简称FPGA)等。再如，当以上某个模块通过处理元件调度程序代码的形式实现时，该处理元件可以是通用处理器，例如中央处理器(Central Processing Unit，简称CPU)或其它可以调用程序代码的处理器。再如，这些模块可以集成在一起，以片上系统(syst em-on-a-chip，简称SOC)的形式实现。
如图8所示，展示本申请实施例中的电子装置600的电路结构示意图。所述电子装置600可以用于实现例如图3实施例中的服务终端301或用户终端302的功能，即例如图4和图5实施例中的方法，也可以用于实现上述图6、图7实施例中的各个功能模块。
所述电子装置800包括：一个或多个通信器801、一个或多个处理器802及一个或多个存储器803。
所述一个或多个通信器801，用于与外部通信；
所述一个或多个存储器802，用于存储一种或多种计算机程序；
所述一个或多个处理器803，耦合于所述通信器801及存储器802(例如通过总线耦接)，用于运行其中一种所述计算机程序以执行例如图4实施例中所述的交易处理方法；或者，运行其中另一种所述计算机程序以执行例如图5实施例中所述的交易方法。
在一些实施例中，所述一个或多个通信器801包括：有线网络通信模块(如有线以太网卡等)、无线网络通信模块(如WiFi、2G/3G/4G/5G移动网络通信模块、及物联网网络通信模块(如NB-IOT、Zigbee、Lora模块)等)中的一种或几种。
所述存储器802可能包括但不限于高速随机存取存储器、非易失性存储器。例如一个或多个磁盘存储设备、闪存设备或其他非易失性固态存储设备。
所述处理器803可以是通用处理器，包括中央处理器(Central Processing Unit，简称CPU)、网络处理器(Network Processor，简称NP)等；还可以是数字信号处理器(Digital Signal Processing，简称DSP)、专用集成电路(Application Specific Integrated Circuit，简称ASIC)、现场可编程门阵列(Field－Programmable GateArray，简称FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件
另外，前述方法实施例(例如图4、5的方法实施例)中所涉及的各种计算机程序可以装 载在计算机可读存储介质中，所述计算机可读存储介质可包括，但不限于，软盘、光盘、CD-ROM(紧致盘-只读存储器)、磁光盘、ROM(只读存储器)、RAM(随机存取存储器)、EPROM(可擦除可编程只读存储器)、EEPROM(电可擦除可编程只读存储器)、磁卡或光卡、闪存、或适于存储机器可执行指令的其他物品属性的介质/机器可读介质。所述计算机可读存储介质可以是未接入计算机设备的产品，也可以是已接入计算机设备使用的部件。
在具体实现上，所述计算机程序为执行特定订单或实现特定抽象数据物品属性的例程、程序、对象、组件、数据结构等等。
综上所述，本申请涉及账户系统、交易及其处理方法、终端、系统、装置及介质，账户系统提供至少一个组账户；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。本申请技术方案中构建基于“组账户”概念的账户系统，相对现有仅以单个主体为单位的网络支付来说，能有效的适用和支持类似家庭/群组/社区为单位的消费应用场景，为解决多个独立账户之间的协同消费、协同支付、协同结算/清算、协同对账带来巨大的方便性，也利于监管。
本申请的技术方案能较好的与现有网络支付系统对接，使得用户体验能实现平滑转移，因此，在带来新型技术和适用功能的同时，建设、运营、推广成本较低
上述实施例仅例示性说明本申请的原理及其功效，而非用于限制本申请。任何熟悉此技术的人士皆可在不违背本申请的精神及范畴下，对上述实施例进行修饰或改变。因此，举凡所属技术领域中具有通常知识者在未脱离本申请所揭示的精神与技术思想下所完成的一切等效修饰或改变，仍应由本申请的权利要求所涵盖。

Claims (24)

  1. 一种账户系统，其特征在于，包括：
    至少一个组账户；
    其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述组账户作为所述主体账户与外部进行交易的接口。
  2. 根据权利要求1所述的账户系统，其特征在于，每个主体账户关联有主体；关联于同一组账户的各主体归属于同一预设团体。
  3. 根据权利要求2所述的账户系统，其特征在于，所述预设团体包括：家庭、社区、园区、企/事业单位及其下属部门、其它社会组织、及自组群体中的一种或多种。
  4. 根据权利要求1所述的账户系统，其特征在于，所述主体账户包括：网络支付账户。
  5. 根据权利要求1所述的账户系统，其特征在于，所述货币账户包括：银行账户及虚拟货币账户中的一种或多种。
  6. 根据权利要求1所述的账户系统，其特征在于，所述组账户通过签约/解约方式与主体账户建立/解除关联关系。
  7. 根据权利要求1所述的账户系统，其特征在于，所述组账户对应有组账户交易明细以供查询，所述组账户交易明细包含其所关联的各个主体账户在处理由该组账户所接入的交易而产生的主体账户交易明细的集合。
  8. 根据权利要求1所述的账户系统，其特征在于，所述交易对应的交易主订单分解为分配给多个关联的所述主体账户的交易分订单。
  9. 根据权利要求8所述的账户系统，其特征在于，各所述交易分订单是按优选支付策略对所述交易主订单进行分解得到的。
  10. 根据权利要求1所述的系统，其特征在于，所述账户系统基于优选支付策略并根据组账户和/或其绑定的资金账户的支付能力来为当前的支付请求选择支付对象，其包括：
    确定优选支付策略中的优选支付对象；
    若优选支付对象为主体账户，则由该主体账户和/或其绑定的资金账户进行支付；
    若优选支付对象为组账户，则判断组账户和/或其绑定的资金账户是否具备当前支付请求所需的支付能力；
    若具备支付能力，则由组账户和/或其绑定的资金账户进行支付；
    若不具备支付能力，则按照协同支付规则向关联于该组账户的各个主体账户分配支付任务，以令各主体账户和/或其绑定的资金账户进行协同支付。
  11. 根据权利要求1或2所述的系统，其特征在于，所述协同支付规则包括如下规则中的任 意一种或多种的组合：
    规则1)通过组账户确定全部或部分主体账户的协同支付的参与权限；
    规则2)通过组账户确定各主体账户的支付比例以及支付模式；
    规则3)定时检查组账户和/或其绑定的资金账户中的剩余资金情况，若检查到剩余资金小于预设金额，则设置组账户自动从关联的主体账户收款；
    规则4)使用组账户的共享积分进行支付；
    规则5)若组账户和/或其绑定的资金账户在实时交易中资金不足，则自动分解订单以将支付任务转移至与之关联的多个主体账户；
    规则6)通过主体账户确定是否与组账户协同交易，并确定关联于该组账户的资金账户以及参与协同交易的支付比例；
    规则7)通过主体账户确定是否对组账户发起的协同支付请求免密支付；
    规则8)设限组账户或者组账户名下设限的子账户及该子账户绑定的资金账户上的资金，在相关参与账户协同授权后启动协同交易。
  12. 根据权利要求1所述的账户系统，其特征在于，在所述组账户关联的各主体账户间建立有消息通道。
  13. 根据权利要求1所述的账户系统，其特征在于，至少一个所述主体账户关联于多个组账户。
  14. 一种服务终端，其特征在于，包括：如权利要求1至11中任一项所述的账户系统。
  15. 一种交易处理方法，其特征在于，应用于包括至少一个组账户的账户系统；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述交易方法包括：
    获取关于一组账户所参与交易的交易主订单；
    查找与所述组账户关联的各主体账户；
    将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
  16. 根据权利要求15所述的交易处理方法，其特征在于，所述分配至各所述主体账户中的一或多个进行处理，包括：
    将所述交易主订单发送至一个主体账户进行处理；或者，
    将所述交易主订单分解为多个交易分订单，分别分配给多个所述主体账户。
  17. 根据权利要求15所述的交易处理方法，其特征在于，包括：
    在多个当前主体账户协同处理一交易主订单的情况下，将所述交易主订单或其分 解的各交易分订单优先分配给存在交易优势的一或多个当前主体账户；和/或，撤回当前不具备交易能力的一或多个当前主账户的交易主订单或交易分订单。
  18. 根据权利要求15所述的交易处理方法，其特征在于，包括：
    当多个主体账户协同处理所关联的所述组账户的主订单交易时，所述主体账户可以自主授权控制接受或拒绝分配给他的分支交易，或者直接拒绝所述组账户的所述主订单交易。
  19. 根据权利要求15至18中任一项所述的交易处理方法，其特征在于，包括：生成关于所述交易主订单的组账户交易明细以供查询；其中，所述组账户交易明细包括：各主体账户参与该交易主订单处理的交易明细。
  20. 一种交易处理系统，其特征在于，应用于包括至少一个组账户的账户系统；其中，每个所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；所述交易处理系统包括：
    组账户管理模块，用于管理所述账户系统中的组账户；
    订单管理模块，用于获取关于一组账户所参与交易的交易主订单，并通过所述组账户管理模块查找与所述组账户关联的各主体账户，将所述交易主订单分配至所查找到的各所述主体账户中的一或多个进行处理。
  21. 一种交易方法，其特征在于，包括：
    以一组账户发起或接受交易行为；其中，所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；
    获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并调用与该组账户关联的主体账户进行所述交易总订单或分订单的处理。
  22. 一种交易系统，其特征在于，包括：
    交易接口模块，用于以一组账户发起或接受交易行为；其中，所述组账户能与一或多个主体账户关联；每个所述主体账户能调用一或多个货币账户；
    交易执行模块，用于获取与所述交易行为相关的交易总订单、或所述交易总订单的交易分订单，并调用与该组账户关联的主体账户进行所述交易总订单或分订单的处理。
  23. 一种电子装置，其特征在于，包括：一个或多个通信器、一个或多个处理器及一个或多个存储器；
    所述一个或多个通信器，用于与外部通信；
    所述一个或多个存储器，用于存储一种或多种计算机程序；
    所述一个或多个处理器，用于运行其中一种所述计算机程序以执行如权利要求15至19中任一项所述的方法；或者，运行其中另一种所述计算机程序以执行如权利要求21所述的方法。
  24. 一种计算机可读存储介质，其特征在于，存储有一或多种计算机程序；其中一种计算机程序被一或多个处理器运行时执行如权利要求15至19中任一项所述的方法；其中另一种计算机程序被一或多个处理器运行时执行如权利要求21所述的方法。
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