Personal banking multi-account transaction method and system

Abstract

The present invention provides a personal banking multi-account transaction method and system, and relates to the computer network information processing technology field. The method comprises: a client terminal device sends transaction request information to a background master server device; and the background master server device performs the same client multi-account batch searching processing in a background database according to client identity information, obtains the same client multi-account information corresponding to the client identity information, determines the multi-account summary amount of the same client and determines and sends a transaction strategy associated with the transaction request information to the client terminal device so as to complete the transaction operation when account amount is smaller than transaction amount. The account transaction process does not need to complement residual again or replace accounts to go on performing transaction operation when the account amount is smaller than the transaction amount, and the whole transaction operation process is simple and rapid to allow a client terminal such as an ATM (Automatic Teller Machine) to improve the usage efficiency.

Description

technical field [0001] The invention relates to the technical field of computer network information processing, in particular to a bank personal multi-account transaction method and system. Background technique [0002] At present, with the gradual development of computer network technology and the financial industry, people can no longer handle cash withdrawals, transfers and remittances through bank counters, but through automatic teller machines (Automatic Teller Machine, referred to as ATM). Cash withdrawal and transfer and remittance operations through ATM machines greatly provide convenience for bank customers. [0003] However, there are still some inconvenient problems when current bank customers use ATM machines to withdraw cash and transfer remittances. If the balance in the bank account is insufficient, the transaction operation cannot be completed. At this time, the bank customer needs to transfer money to the current bank account to be traded through external ...

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a bank personal multi-account transaction method and system to solve the problem that current prior art withdrawal transactions, transfer and remittance transactions, etc. only support deduction operations on one transaction account. As a result of the failure of the transaction operation, bank customers need to replenish the balance or change the account to continue the transaction operation. The entire transaction operation process is cumbersome, and the use efficiency of customer terminals such as ATM machines is low.

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