Account management method and device

Abstract

The invention provides an account management method and device, wherein the method comprises the steps of determining a co-management account corresponding to a business operation request transmittedby a target user when the business operation request is received, and obtaining the account information of the co-management account and the bound user information corresponding to each account user;verifying whether the target user is an account user bound with a co-management account or not according to the account information and the user information; if so, sending a verification message to each account user bound with the co-management account except the target user; when an authorization message is fed back by any account user, authorizing the authority of executing the service operation to the target user; and when the execution of the service operation is ended, generating a bill message, and sending the bill message to each account user, thereby realizing the management of the co-management account by each account user. By applying the method, the co-management account can be bound with a plurality of account users, and each account user can directly manage the co-managementaccount, so that the management efficiency of the co-management account is improved.

Description

technical field [0001] The present invention relates to the technical field of account management, in particular to an account management method and device. Background technique [0002] With the development of social economy, people manage funds through bank cards, passbooks and other bank accounts in their daily life. Among them, each user has his own independent bank account, and the user can conduct payment, transfer, withdrawal, wealth management, fund management and other business operations in mobile banking or offline banking business locations through his own independent bank account. [0003] However, in some specific cases, for example, when two or more users need to manage joint property, first open a joint management account for each user, and the joint management account is to select one of the users , the bank account opened with the user's identity information. When each user needs to manage the co-management account, the user who opened the co-management a...

AI Technical Summary

Problems solved by technology

When each user needs to manage the co-management account, the user who opened the co-management account directly manages the co-management account; although other users can also manage the co-management account, other users manage the co-management account every time. The account can only be managed indirectly through the account opening user

Therefore, the management method of the co-management account in the prior art increases the workload of the account opening user to manage the co-management account, and at the same time reduces the management efficiency of the co-management account

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