Method and device for making payments between accounts

Abstract

The present invention discloses a method and device for inter-account reimbursement, and relates to the field of automatic programming technology. A specific implementation of the method includes: establishing an account system; wherein the account system includes a main account, sub-accounts established under the main account, a structural relationship between the main account and the sub-account, and account fund information; determining the reimbursement account from the sub-account according to the reimbursement information and structural relationship signed, and the order of deductions between the reimbursement accounts; receiving a payment request, determining that the balance of the current account is insufficient according to the account fund information, and performing deduction operations from the reimbursement account according to the order of deductions. This implementation integrates all accounts under the name of a customer by establishing an account system, allowing the customer to grasp his or her own assets in real time, and at the same time flexibly configures the reimbursement account and the order of deductions through signing a contract. When the balance of the current account is insufficient, the reimbursement account can be used for automatic reimbursement to meet customer needs.

Description

Technical Field

[0001] The present invention relates to the technical field of automatic program design, and in particular to a method and device for replenishing funds between accounts. Background Art

[0002] Customers can establish multiple accounts at banks, including current accounts, time deposits, and special accounts. Since interest rates on current deposits are relatively low, customers often choose to invest unused funds in wealth management products with relatively higher interest rates. However, since wealth management products have a fixed term, if funds are withdrawn before maturity, the expected interest will not be earned. Customers inevitably need funds urgently, so enabling automatic cross-account fund replenishment can help address the issue of funds being unable to be shared between accounts.

[0003] The existing payment method only allows one type of account to make payments. For example, if a payment is made through a dedicated account, it cannot be made through a regular account. Furthermore, each account under a customer's name exists independently, and the funds in each account are unrelated. Inquiries and other operations must be performed on a designated interface.

[0004] In the process of implementing the present invention, there are at least the following problems in the prior art:

[0005] The payment model is single and inflexible, and cannot provide personalized payments based on customer needs; each account exists independently, which makes it impossible for customers to conveniently manage all accounts under their name and cannot separate and classify funds. Summary of the Invention

[0006] In view of this, an embodiment of the present invention provides a method and device for inter-account replenishment. The method integrates all accounts under the name of a customer by establishing an account system, so that the customer can have real-time control of his or her own assets. At the same time, the replenishment account and the order of deductions can be flexibly configured through signing a contract. When the balance of the current account is insufficient, the replenishment account can be used for automatic replenishment to meet customer needs.

[0007] To achieve the above objective, according to one aspect of an embodiment of the present invention, a method for inter-account reimbursement is provided.

[0008] A method for inter-account reimbursement in an embodiment of the present invention includes: establishing an account system; wherein the account system includes a main account, sub-accounts established under the main account, a structural relationship between the main account and the sub-accounts, and account fund information; determining a reimbursement account from the sub-accounts and a deduction order between the reimbursement accounts based on the signed reimbursement information and the structural relationship; receiving a payment request, determining that the balance of the current account is insufficient based on the account fund information, and deducting money from the reimbursement account in accordance with the deduction order.

[0009] Optionally, establishing the account system includes: receiving an account system establishment request; wherein the account system establishment request includes master account information; determining, based on the configured contract signing rules and the master account information, whether the master account has the authority to establish the sub-account; establishing the sub-account under the master account according to the set account system structure, and obtaining a structural relationship between the master account and the sub-account; adding a pre-established fund information table under the sub-account; wherein the fund information table is used to record the account fund information of the master account and the account fund information of the sub-account.

[0010] Optionally, the signing rule includes a signing parameter name and a signing parameter value; determining that the master account has the authority to establish the sub-account based on the configured signing rule and the master account information includes: determining, based on the master account information, an actual parameter value corresponding to the signing parameter name; and determining that if the actual parameter value is consistent with the signing parameter value, then the master account has the authority to establish the sub-account.

[0011] Optionally, after the step of establishing the sub-account under the master account, the method further includes: determining a master contract corresponding to the master account and a sub-contract corresponding to the sub-account; and establishing an association relationship between the master contract and the sub-contract.

[0012] Optionally, after the step of receiving the account system establishment request, the method further includes: adding a signing mark to the main account; establishing the sub-account under the main account includes: determining that the signing mark exists in the main account, and establishing the sub-account under the main account.

[0013] Optionally, the funds information table includes a funds table and a details table, wherein the funds table is used to record the current balance of the sub-account and the summary balance of the main account; the details table is used to record the balance change details of the sub-account and the summary details of the main account.

[0014] Optionally, the payment supplement information includes a sub-account for payment supplement and a priority of the sub-account; determining the payment supplement account from the sub-account based on the signed payment supplement information and the structural relationship, and the order of deductions between the payment supplement accounts include: querying the sub-accounts under the main account based on the structural relationship to construct a sub-account set; receiving the sub-accounts selected from the sub-account set and the priority between the sub-accounts; using the selected sub-account as the payment supplement account, and generating a deduction order between the payment supplement accounts based on the priority.

[0015] Optionally, the payment request includes a payment amount; determining that the balance of the current account is insufficient based on the account fund information includes: determining the available balance of the current account based on the account fund information of the current account; comparing the available balance of the current account with the payment amount, and determining that the available balance of the current account is less than the payment amount.

[0016] Optionally, the deduction operation from the replenishment account in accordance with the deduction order includes: deducting the available balance from the replenishment account in sequence in accordance with the deduction order; wherein the sum of the deducted available balances is equal to the payment amount specified in the payment request; and updating the fund information table.

[0017] Optionally, the method further includes: establishing a supplementary payment contract record table; wherein, the supplementary payment contract record table is used to record the deduction order; before the step of deducting the available balance from the supplementary payment account in sequence according to the deduction order, the method further includes: determining whether the deduction order corresponding to the current account exists in the supplementary payment contract record table.

[0018] Optionally, the method also includes: determining that the deduction order corresponding to the current account does not exist in the supplementary payment contract record table, and obtaining the available balance of the main account of the current account; determining that the available balance of the main account is greater than the payment amount, and deducting money from the main account according to the payment amount.

[0019] Optionally, before the step of deducting the available balance from the replenishment account in sequence according to the deduction order, the method further includes: querying the fund information table to obtain the aggregated available balance of the main account of the current account; and determining that the aggregated available balance is greater than or equal to the payment amount.

[0020] Optionally, the method further includes: if it is determined that the aggregated available balance is less than the payment amount, sending a deduction failure message.

[0021] To achieve the above-mentioned objective, according to another aspect of an embodiment of the present invention, a device for inter-account reimbursement is provided.

[0022] An apparatus for inter-account reimbursement according to an embodiment of the present invention comprises: an establishment module for establishing an account system; wherein the account system comprises a main account, sub-accounts established under the main account, a structural relationship between the main account and the sub-accounts, and account fund information; a determination module for determining a reimbursement account from the sub-accounts, and a deduction order between the reimbursement accounts, based on the reimbursement information signed and the structural relationship; and a reimbursement module for receiving a payment request, determining that the balance of the current account is insufficient based on the account fund information, and performing deduction operations from the reimbursement account in accordance with the deduction order.

[0023] Optionally, the establishment module is further used to receive an account system establishment request; wherein the account system establishment request includes master account information; based on the configured contract rules and the master account information, determine whether the master account has the authority to establish the sub-account; according to the set account system structure, establish the sub-account under the main account, and obtain the structural relationship between the main account and the sub-account; and add a pre-established fund information table under the sub-account; wherein the fund information table is used to record the account fund information of the main account and the account fund information of the sub-account.

[0024] Optionally, the signing rule includes a signing parameter name and a signing parameter value; the establishment module is further used to determine the actual parameter value corresponding to the signing parameter name based on the main account information; and if it is determined that the actual parameter value is consistent with the signing parameter value, then the main account has the authority to establish the sub-account.

[0025] Optionally, the device further includes: a contract processing module, configured to determine a main contract corresponding to the main account and a sub-contract corresponding to the sub-account; and to establish an association relationship between the main contract and the sub-contract.

[0026] Optionally, the device further includes: a marking module, used to add a signing mark to the main account; the establishment module is further used to determine whether the signing mark exists in the main account and establish the sub-account under the main account.

[0027] Optionally, the funds information table includes a funds table and a details table, wherein the funds table is used to record the current balance of the sub-account and the summary balance of the main account; the details table is used to record the balance change details of the sub-account and the summary details of the main account.

[0028] Optionally, the payment supplement information includes the sub-account used for payment supplement and the priority of the sub-account; the determination module is further used to query the sub-account under the main account according to the structural relationship and construct a sub-account set; receive the sub-account selected from the sub-account set and the priority between the sub-accounts; and use the selected sub-account as the payment supplement account, and generate the deduction order between the payment supplement accounts according to the priority.

[0029] Optionally, the payment request includes a payment amount; the payment module is further used to determine the available balance of the current account based on the account fund information of the current account; and compare the available balance of the current account with the payment amount to determine that the available balance of the current account is less than the payment amount.

[0030] Optionally, the replenishment module is further used to deduct the available balance from the replenishment account in sequence according to the deduction order; wherein the sum of the deducted available balances is equal to the payment amount specified in the payment request; and update the fund information table.

[0031] Optionally, the device further includes: a table establishment module for establishing a supplementary payment contract record table; wherein the supplementary payment contract record table is used to record the deduction sequence; and a determination module for determining whether the deduction sequence corresponding to the current account exists in the supplementary payment contract record table.

[0032] Optionally, the device also includes: a main account deduction module, used to determine that the deduction order corresponding to the current account does not exist in the supplementary payment contract record table, obtain the available balance of the main account of the current account; and determine that the available balance of the main account is greater than the payment amount, and deduct money from the main account according to the payment amount.

[0033] Optionally, the device further includes: a query processing module, configured to query the fund information table to obtain the aggregated available balance of the primary account of the current account; and determine whether the aggregated available balance is greater than or equal to the payment amount.

[0034] Optionally, the device further includes: a deduction failure module, configured to send a deduction failure message if it is determined that the aggregated available balance is less than the payment amount.

[0035] To achieve the above objective, according to another aspect of the embodiments of the present invention, an electronic device is provided.

[0036] An electronic device according to an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement a method for inter-account reimbursement according to an embodiment of the present invention.

[0037] To achieve the above objective, according to another aspect of the embodiments of the present invention, a computer-readable medium is provided.

[0038] A computer-readable medium according to an embodiment of the present invention stores a computer program, which, when executed by a processor, implements a method for inter-account reimbursement according to an embodiment of the present invention.

[0039] One embodiment of the above invention has the following advantages or beneficial effects: by establishing an account system and integrating all accounts under the name of the customer, the customer can have real-time control of his or her own assets. At the same time, the replenishment account and deduction sequence can be flexibly configured through signing a contract. When the balance of the current account is insufficient, the replenishment account can be used for automatic replenishment to meet customer needs.

[0040] By configuring contract rules, when an account system establishment request is received, primary accounts with establishment authority can be screened out. For these screened primary accounts, structural relationships and fund information tables are established according to the account system structure, allowing customers to centrally manage their accounts and monitor the flow of funds in real time. Based on business needs, contract rules are parameterized into contract parameter names and contract parameter values. This allows you to determine whether an account has authority to establish an account system by comparing the actual parameter values ​​corresponding to the contract parameter names with the contract parameter values, thus avoiding mutual exclusion of additional payments.

[0041] By establishing a relationship between the master contract and sub-contracts, agreed transfers can be implemented between related accounts. By adding a contract tag to the master account, a funds information table can be inserted simultaneously when a sub-account is subsequently established. The funds table and detailed table link the flow of funds between accounts, allowing customers to clearly understand the financial status of all their accounts.

[0042] Through contract signing, customers can select their own payment account and payment priority, enabling flexible configuration of payment accounts and payment sequence, allowing for personalized payment customization. When the current account balance is insufficient, the payment will be automatically made through the linked payment account, reducing customer operational complexity and interest losses. By establishing a payment contract record table to record the payment order of payment accounts, subsequent payments can be automatically made by querying the payment contract record table.

[0043] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] The accompanying drawings are provided for a better understanding of the present invention and are not intended to limit the present invention.

[0045] Figure 1 1 is a schematic diagram of the main steps of the method for inter-account reimbursement according to an embodiment of the present invention;

[0046] Figure 2 This is a schematic diagram of the main process of establishing an account system according to an embodiment of the present invention;

[0047] Figure 3 This is a schematic diagram of the account system structure according to an embodiment of the present invention;

[0048] Figure 4 This is a schematic diagram of the main process of determining the payment account and the order of deductions in an embodiment of the present invention;

[0049] Figure 5 This is a schematic diagram of the main process of automatic payment replenishment in an embodiment of the present invention;

[0050] Figure 6 1 is a schematic diagram of main modules of an apparatus for inter-account reimbursement according to an embodiment of the present invention;

[0051] Figure 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

[0052] Figure 8 It is a schematic structural diagram of a computer device suitable for implementing an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0053] The following description of exemplary embodiments of the present invention is made in conjunction with the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding. These details should be considered as merely exemplary. Therefore, it should be appreciated by those skilled in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, descriptions of well-known functions and structures are omitted in the following description.

[0054] As described in the background technology, existing payment methods have a single payment model and cannot be personalized according to customer needs. At the same time, due to the independent existence of accounts, convenient management cannot be achieved, and funds cannot be separated and categorized. For example, for family customer groups, it is impossible to separate and categorize personal funds from family funds. When personal funds are insufficient, it is impossible to use family funds for automatic payment. Similarly, when family funds are insufficient, it is impossible to link family members' personal accounts for payment.

[0055] To address the above issues, the present invention provides a method for inter-account reimbursement, which can flexibly configure the reimbursement account and deduction sequence, and automatically implement personalized combination reimbursement. Detailed description will be given below with reference to the accompanying drawings.

[0056] Figure 1 FIG. 1 is a schematic diagram of the main steps of the method for making payments between accounts according to an embodiment of the present invention. Figure 1 As shown, the method for inter-account reimbursement in an embodiment of the present invention mainly includes the following steps:

[0057] Step S101: establishing an account system; wherein the account system includes a master account, sub-accounts established under the master account, a structural relationship between the master account and the sub-accounts, and account fund information.

[0058] Customers can open current accounts, fixed-term accounts, and special accounts under their debit cards. Current accounts are basic accounts; fixed-term accounts are created when customers purchase fixed-term loans, with each fixed-term loan generating a separate account; and special accounts are used to store funds for specific purposes. To establish connections between these accounts, customers must sign a contract to establish an account hierarchy. The top level of the account hierarchy is the master account, which contains various sub-accounts. Changes in funds in the sub-accounts are synchronized with changes in the master account.

[0059] In an embodiment, based on business needs, account system contracting rules are pre-configured. These contracting rules are used to determine whether the primary account of a customer applying to establish an account system has the authority to establish a sub-account. If it is determined that the primary account has the authority to establish a sub-account, the customer is allowed to establish the account system.

[0060] The implementation process of this step is as follows: after receiving the account system establishment request from the customer, based on the master account information carried in the account system establishment request and the configured contract rules, it is determined that the master account has the authority to establish sub-accounts; then, according to the set account system structure, the sub-account is established under the master account to obtain the structural relationship between the master account and the sub-account; finally, a pre-established fund information table is added under the sub-account, which is used to record the account fund information of the master account and the sub-account.

[0061] Step S102: Based on the contracted payment information and the structural relationship, the payment account is determined from the sub-accounts, as well as the order of deductions between the payment accounts. After the account system is established, customers can select the sub-accounts for payment based on the structural relationship and set the priority of the sub-accounts.

[0062] After receiving the customer's selected subaccounts and their priorities, the bank will use the selected subaccounts as the payment channels, and set the order of deductions based on the subaccount priorities. The higher the priority of a subaccount, the higher it will be ranked in the deduction order. For example, if the selected subaccounts are Subaccount 1, Subaccount 2, and Subaccount 3, and the priorities are Subaccount 2 > Subaccount 1 > Subaccount 3, then the payment channels will be Subaccount 1, Subaccount 2, and Subaccount 3, and the deduction order will be Subaccount 2, Subaccount 1, and Subaccount 3.

[0063] Step S103: Receive a payment request. Based on the account information, determine if the current account balance is insufficient and deduct funds from the replenishment account according to the deduction order. Financial scenarios such as transfers and purchases by the user trigger the generation of a payment request. This payment request includes the paying account (i.e., the current account), the receiving account, and the payment amount.

[0064] Based on the account fund information in the account system, check whether the available balance of the current account is greater than or equal to the payment amount. If the available balance of the current account is less than the payment amount, it means that the balance of the current account is insufficient. Automatic deductions will be made from the replenishment account in the order of deductions.

[0065] Figure 2 This is a schematic diagram of the main process of establishing an account system according to an embodiment of the present invention. Figure 2 As shown, the implementation process of establishing an account system (i.e., step S101) in the embodiment of the present invention mainly includes the following steps:

[0066] Step S201: Configure contract rules. Based on business requirements, determine the contract rules for the account system. Specifically, abstract parameter indicators based on business requirements. By maintaining these parameters, contract rules can be controlled. For example, if only one type of card is allowed to be contracted with the account system, the abstract parameter indicator is the settlement account type.

[0067] In this embodiment, the contract signing rule includes a contract signing parameter name and a contract signing parameter value. The contract signing parameter name may be, for example, a settlement account type, a sales institution, or an opening channel. The contract signing parameter value is the value corresponding to the contract signing parameter name, for example, a settlement account type of Class A account, a sales institution of Shanghai Banking, and an opening channel of Mobile Banking.

[0068] Step S202: Create an account structure relationship table and a funds information table. These tables are empty and will be filled in after the customer signs up for the account system. The account structure relationship table records the structural relationship between the master account and each sub-account. The funds information table records the account funds information of the master account and each sub-account, including a funds table and a detailed table.

[0069] The Funds table records the current balance of each sub-account, including available balance, account balance, and frozen balance, as well as the aggregate balance of the master account, including aggregate available balance, aggregate account balance, and aggregate frozen balance. The Details table records the balance changes of each sub-account and the aggregate details of the master account.

[0070] The aggregate available balance is the sum of the available balances of all sub-accounts and the master account. The aggregate account balance is the sum of the account balances of all sub-accounts and the master account. The aggregate frozen amount is the sum of the frozen amounts of all sub-accounts and the master account. The aggregate details are the balance change details of all sub-accounts and the master account.

[0071] Step S203: Receive an account system establishment request. The customer signs a contract (i.e., an agreement) with the bank, agreeing to establish an account system with a specific account in their name as the primary account. This generates an account system establishment request, which includes the customer's primary account information. The primary account can be a debit card, passbook, or other such account.

[0072] In a preferred embodiment, after the customer signs the contract, a signing mark will be added to the main account, which will be used to record the relationship with the main account when the customer subsequently opens other accounts.

[0073] Step S204: Based on the contract rules and the master account information included in the account system establishment request, determine whether the master account has permission to create a sub-account. This step involves determining the actual parameter value corresponding to the contract parameter name based on the master account information. The actual parameter value is then compared with the contract parameter value to ensure they are completely consistent. If they are, the master account has permission to create a sub-account; otherwise, the master account does not have permission to create a sub-account.

[0074] Assume that the contract rules specify: the settlement account type is a Class I account, the sales institution is the Shanghai branch, and the opening channel is mobile banking. Customer A, applying to establish an account system, has a debit card account information (i.e., the primary account) indicating that the card is a Class II card, sold by the Shanghai branch, and applied for through mobile banking. The actual parameter values, {Class II card, Shanghai branch, mobile banking}, are inconsistent with the contracted parameter values, {Class I card, Shanghai branch, mobile banking}. Therefore, Customer A does not have permission to create a sub-account.

[0075] For example, if customer B is applying to establish an account system, their debit card account information indicates that the card is a Class A card, sold by Shanghai Branch, and applied for through mobile banking. The actual parameter values ​​are {Class A card, Shanghai Branch, Mobile banking}, which are exactly the same as the contracted parameter values. Therefore, customer B has permission to create a sub-account.

[0076] Step S205: According to the set account system structure, sub-accounts are established under the main account, and the account structure relationship table and fund information table are filled in.

[0077] Figure 3 This is a schematic diagram of the account system structure of an embodiment of the present invention. Figure 3 As shown, each master account corresponds to its own contract (i.e., the debit card contract in the figure), under which there are special accounts, fixed-term accounts, current accounts (i.e., reserves), electronic cash, etc.

[0078] The account system is built on current accounts. Within each current account, subaccounts (i.e., the fund pool in the diagram) are opened. Each subaccount corresponds to its own contract (i.e., the category management subcontract and the category-specific subcontract in the diagram). Each contract can distribute media such as debit cards and account books. Each contract can be linked to other contracts to implement functions such as agreed transfers. The rights and obligations of the client and the bank are stipulated in the contract.

[0079] When customers need to purchase fixed-term or open a special account, they should check the contract mark of the main account. If the main account has a contract mark, they can follow the Figure 3 The account system structure shown in the figure creates sub-accounts under the main account and fills in the account structure relationship table and fund information table.

[0080] In an optional embodiment, after establishing a sub-account under the main account, an association relationship can also be established between the main contract (the contract corresponding to the main account) and the sub-contract (the contract corresponding to the sub-account) to facilitate the function of agreed transfer based on the association relationship.

[0081] Step S206: Add an account structure relationship table and a fund information table under the sub-account. When creating a sub-account, the account structure relationship table and the fund information table are inserted into the sub-account synchronously, and the account system is now established.

[0082] Figure 4 This is a schematic diagram of the main process of determining the replenishment account and the deduction order in the embodiment of the present invention. Figure 4 As shown, the implementation process of determining the replenishment account and the deduction order (i.e., step S102) of the embodiment of the present invention mainly includes the following steps:

[0083] Step S401: Based on the structure relationship, query the sub-accounts under the main account and build a sub-account set. According to the account structure relationship table, query all sub-accounts under the main account and add the found sub-accounts to the sub-account set.

[0084] Step S402: Receive a subaccount selected from the subaccount set and the priority between the subaccounts. The user interface displays the subaccounts in the subaccount set, waits for the user to select a subaccount, and sets the priority between the subaccounts. The priority is used to determine which subaccount will be used first for reimbursement.

[0085] Step S403: The selected sub-account is used as the payment account, and the order of deductions between the payment accounts is generated based on the priority. After receiving the sub-account selected by the user from the sub-account set and the priority set, the selected sub-account is used as the payment account, and the order of deductions between the payment accounts is set based on the priority of the sub-account.

[0086] In an optional embodiment, customers can select subaccounts and set priorities by signing a contract. Customers can also modify or cancel the contract. After step S403, a supplementary payment contract record table can be created. This table records the order in which supplementary payment accounts are deducted. Subsequent supplementary payments can be deducted sequentially according to this order.

[0087] Figure 5 This is a schematic diagram of the main process of automatic payment in an embodiment of the present invention. Figure 5 As shown, the implementation process of the automatic payment (i.e., step S103) of the embodiment of the present invention mainly includes the following steps:

[0088] Step S501: Determine the available balance of the current account based on the account fund information of the current account. This step is used to check the available balance of the current account.

[0089] Step S502: Determine whether the available balance of the current account is greater than or equal to the payment amount. If the available balance of the current account is greater than or equal to the payment amount, execute step S503; otherwise, execute step S504.

[0090] If the available balance of the current account is greater than or equal to the payment amount, it means that the balance is sufficient to cover the current transaction; if the available balance of the current account is less than the payment amount, it means that the balance is insufficient to cover the current transaction.

[0091] Step S503: Directly deduct the payment from the available balance of the current account according to the payment amount, and end this process.

[0092] Step S504: Determine whether the deduction sequence corresponding to the current account exists in the supplementary payment contract record table. If so, execute step S505; if not, execute step S508. In this embodiment, the supplementary payment contract record table can be queried based on the debit card contract code and the supplementary payment type (including single account supplementary payment and account system supplementary payment).

[0093] Step S505: query the fund information table to obtain the aggregate available balance of the primary account of the current account. In an embodiment, the fund table can be queried according to the account number of the primary account to obtain the aggregate available balance of the primary account.

[0094] Step S506: Determine whether the aggregate available balance is greater than or equal to the payment amount. If the aggregate available balance is greater than or equal to the payment amount, execute step S507; otherwise, execute step S511.

[0095] Step S507: Deduct the available balance from the supplementary payment account in sequence according to the deduction order and payment amount, update the funds table and detailed table, and end this process. The sum of the deducted available balances equals the payment amount.

[0096] Step S508: Obtain the available balance of the primary account of the current account.

[0097] Step S509: Determine whether the available balance of the primary account is greater than or equal to the payment amount. If the available balance of the primary account is greater than or equal to the payment amount, execute step S510; otherwise, execute step S511.

[0098] Step S510: deduct the available balance of the primary account according to the payment amount, and end this process.

[0099] Step S511: Send a deduction failure message. This message is used to inform the user that the balance in the account available for the reimbursement is insufficient and the deduction has failed.

[0100] It can be seen from the method of inter-account replenishment in the embodiment of the present invention that by establishing an account system and integrating all accounts under the name of the customer, the customer can have real-time control of his or her own assets. At the same time, the replenishment account and deduction sequence can be flexibly configured through signing a contract. When the balance of the current account is insufficient, the replenishment account can be used for automatic replenishment to meet customer needs.

[0101] Figure 6 FIG is a schematic diagram of the main modules of the device for inter-account reimbursement according to an embodiment of the present invention. Figure 6 As shown, the apparatus 600 for inter-account reimbursement according to an embodiment of the present invention mainly includes:

[0102] Establishment module 601 is used to establish an account system; wherein, the account system includes a main account, sub-accounts established under the main account, the structural relationship between the main account and the sub-accounts, and account fund information.

[0103] In an embodiment, based on business needs, account system contracting rules are pre-configured. These contracting rules are used to determine whether the primary account of a customer applying to establish an account system has the authority to establish a sub-account. If it is determined that the primary account has the authority to establish a sub-account, the customer is allowed to establish the account system.

[0104] The implementation process of this module is as follows: after receiving an account system establishment request from a customer, based on the master account information carried in the account system establishment request and the configured contract rules, it is determined that the master account has the authority to establish sub-accounts; then, according to the set account system structure, sub-accounts are established under the master account to obtain the structural relationship between the master account and sub-accounts; finally, a pre-established fund information table is added under the sub-account, which is used to record the account fund information of the master account and sub-account.

[0105] Determination module 602 is configured to determine the payment account from the sub-accounts based on the contracted payment information and the structural relationships, as well as the order of deductions between the payment accounts. After the account system is established, customers can select sub-accounts for payment based on the structural relationships and set the priority of the sub-accounts.

[0106] After receiving the customer's selected subaccounts and their priorities, the bank will use the selected subaccounts as the payment channels, and set the order of deductions based on the subaccount priorities. The higher the priority of a subaccount, the higher it will be ranked in the deduction order. For example, if the selected subaccounts are Subaccount 1, Subaccount 2, and Subaccount 3, and the priorities are Subaccount 2 > Subaccount 1 > Subaccount 3, then the payment channels will be Subaccount 1, Subaccount 2, and Subaccount 3, and the deduction order will be Subaccount 2, Subaccount 1, and Subaccount 3.

[0107] The replenishment module 603 is configured to receive a payment request, determine the current account balance is insufficient based on the account funds information, and deduct funds from the replenishment account according to the deduction sequence. Financial scenarios such as user transfers and purchases trigger the generation of a payment request. This payment request includes the paying account (i.e., the current account), the receiving account, and the payment amount.

[0108] Based on the account fund information in the account system, check whether the available balance of the current account is greater than or equal to the payment amount. If the available balance of the current account is less than the payment amount, it means that the balance of the current account is insufficient. Automatic deductions will be made from the replenishment account in the order of deductions.

[0109] In addition, the inter-account reimbursement device 600 of the embodiment of the present invention may further include: a contract processing module, a marking module, a table creation module, a determination module, a primary account deduction module, a query processing module, and a deduction failure module ( Figure 6 (not shown). The contract processing module is configured to determine a master contract corresponding to the master account and a sub-contract corresponding to the sub-account; and to establish an association relationship between the master contract and the sub-contract. The marking module is configured to add a contract signing mark to the master account.

[0110] A table creation module is configured to create a supplementary payment contract record table, wherein the supplementary payment contract record table is configured to record the deduction sequence. A determination module is configured to determine whether the deduction sequence corresponding to the current account exists in the supplementary payment contract record table. A primary account deduction module is configured to determine whether the deduction sequence corresponding to the current account does not exist in the supplementary payment contract record table, obtain the available balance of the primary account of the current account, and determine whether the available balance of the primary account is greater than the payment amount, and deduct the payment from the primary account according to the payment amount.

[0111] The query processing module is configured to query the fund information table to obtain the aggregate available balance of the primary account of the current account and determine whether the aggregate available balance is greater than or equal to the payment amount. The deduction failure module is configured to determine whether the aggregate available balance is less than the payment amount and send a deduction failure message.

[0112] From the above description, it can be seen that by establishing an account system and integrating all accounts under the name of the customer, the customer can have real-time control of his or her own assets. At the same time, the replenishment account and deduction sequence can be flexibly configured through signing a contract. When the balance of the current account is insufficient, the replenishment account can be used for automatic replenishment to meet customer needs.

[0113] Figure 7 An exemplary system architecture 700 is shown to which the method or apparatus for inter-account reimbursement according to an embodiment of the present invention may be applied.

[0114] like Figure 7 As shown, system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. Network 704 is used to provide a medium for communication links between terminal devices 701, 702, 703 and server 705. Network 704 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0115] Users can use terminal devices 701, 702, and 703 to interact with server 705 via network 704 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 701, 702, and 703, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0116] The terminal devices 701 , 702 , and 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0117] Server 705 can be a server that provides various services, such as a backend management server that processes account system establishment requests sent by administrators using terminal devices 701, 702, and 703. The backend management server can establish the account system, determine the payment account and the order of deductions, perform deductions, and feedback the processing results (e.g., deduction results) to the terminal device.

[0118] It should be noted that the method for inter-account reimbursement provided in the embodiment of the present application is generally executed by the server 705 , and accordingly, the device for inter-account reimbursement is generally set in the server 705 .

[0119] It should be understood that Figure 7The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0120] According to an embodiment of the present invention, the present invention further provides an electronic device and a computer-readable medium.

[0121] The electronic device of the present invention includes: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement a method for inter-account reimbursement according to an embodiment of the present invention.

[0122] The computer-readable medium of the present invention stores a computer program thereon, and when the program is executed by a processor, a method for inter-account reimbursement according to an embodiment of the present invention is implemented.

[0123] Reference below Figure 8 , which shows a schematic structural diagram of a computer system 800 suitable for implementing an electronic device according to an embodiment of the present invention. Figure 8 The electronic device shown is only an example and should not limit the functions and scope of use of the embodiments of the present invention.

[0124] like Figure 8 As shown, the computer system 800 includes a central processing unit (CPU) 801, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 802 or a program loaded from a storage unit 808 into a random access memory (RAM) 803. Various programs and data required for the operation of the computer system 800 are also stored in the RAM 803. The CPU 801, the ROM 802, and the RAM 803 are connected to each other via a bus 804. An input / output (I / O) interface 805 is also connected to the bus 804.

[0125] The following components are connected to the I / O interface 805: an input section 806 including a keyboard, a mouse, and the like; an output section 807 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 808 including a hard disk; and a communication section 809 including a network interface card such as a LAN card or a modem. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 810 as needed, so that computer programs read therefrom can be installed into the storage section 808 as needed.

[0126] In particular, according to the embodiments disclosed herein, the processes described in the main step diagrams above can be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the methods shown in the main step diagrams. In such embodiments, the computer program can be downloaded and installed from a network via the communication section 809, and / or installed from a removable medium 811. When the computer program is executed by the central processing unit (CPU) 801, the above-mentioned functions defined in the system of the present invention are executed.

[0127] It should be noted that the computer-readable medium described in the present invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more conductors, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, or any suitable combination thereof.

[0128] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present invention. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0129] The modules described in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be provided within a processor. For example, a processor may be described as comprising an establishment module, a determination module, and a payment module. The names of these modules do not, in some cases, limit the modules themselves. For example, the establishment module may also be described as a "module for establishing an account system."

[0130] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or it may exist independently and not be assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: establishing an account system; wherein the account system includes a main account, sub-accounts established under the main account, a structural relationship between the main account and the sub-accounts, and account fund information; determining a supplementary payment account from the sub-accounts based on the contracted supplementary payment information and the structural relationship, and the order of deductions between the supplementary payment accounts; receiving a payment request, determining that the balance of the current account is insufficient based on the account fund information, and deducting money from the supplementary payment account according to the deduction order.

[0131] According to the technical solution of the embodiment of the present invention, by establishing an account system and integrating all accounts under the name of the customer, the customer can have real-time control of his or her own assets. At the same time, the replenishment account and the order of deductions can be flexibly configured through signing contracts. When the balance of the current account is insufficient, the replenishment account can be used for automatic replenishment to meet customer needs.

[0132] The above-mentioned product can execute the method provided by the embodiment of the present invention, and has the functional modules and beneficial effects corresponding to the execution method. For technical details not fully described in this embodiment, please refer to the method provided by the embodiment of the present invention.

[0133] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A method for making payments between accounts, characterized in that: include: Establishing an account system, comprising: receiving an account system establishment request; wherein the account system establishment request includes master account information; determining, based on configured contract rules and the master account information, whether the master account has permission to establish the sub-account, including: determining, based on the master account information, an actual parameter value corresponding to the contract parameter name; determining that the actual parameter value is consistent with the contract parameter value, then the master account has permission to establish the sub-account; establishing the sub-account under the master account according to a set account system structure, and obtaining a structural relationship between the master account and the sub-account; adding a pre-established fund information table under the sub-account; wherein the fund information table is used to record account fund information of the master account and account fund information of the sub-account; wherein the account system includes the master account, the sub-account established under the master account, the structural relationship between the master account and the sub-account, and the account fund information; the contract rules include contract parameter names and contract parameter values; Determine the payment account from the sub-accounts and the order of deductions between the payment accounts based on the signed payment information and the structural relationship; Receive a payment request, determine that the current account balance is insufficient based on the account fund information, and deduct money from the replenishment account in accordance with the deduction order.

2. The method according to claim 1, characterized in that After the step of establishing the sub-account under the master account, the method further includes: Determine the master contract corresponding to the master account and the sub-contract corresponding to the sub-account; Establishing an association relationship between the main contract and the sub-contract.

3. The method according to claim 1, characterized in that After the step of receiving the account system establishment request, the method further includes: adding a signing mark to the primary account; The step of establishing the sub-account under the master account includes: Determine that the signing mark exists in the main account, and establish the sub-account under the main account.

4. The method according to claim 1, wherein The fund information table includes a fund table and a detailed table, wherein the fund table is used to record the current balance of the sub-account and the summary balance of the main account; the detailed table is used to record the balance change details of the sub-account and the summary details of the main account.

5. The method according to claim 1, wherein The reimbursement information includes the sub-account used for the reimbursement and the priority of the sub-account; The determining of the supplementary payment account from the sub-accounts based on the supplementary payment information under contract and the structural relationship, and the order of deductions between the supplementary payment accounts include: According to the structural relationship, query the sub-accounts under the main account and build a sub-account set; receiving a sub-account selected from the set of sub-accounts and a priority level among the sub-accounts; The selected sub-account is used as the supplementary payment account, and a deduction order among the supplementary payment accounts is generated according to the priority.

6. The method according to any one of claims 1 to 5, characterized in that The payment request includes a payment amount; Determining, based on the account fund information, that the current account balance is insufficient includes: Determine the available balance of the current account based on the account fund information of the current account; The available balance of the current account is compared with the payment amount to determine that the available balance of the current account is less than the payment amount.

7. The method according to claim 1, characterized in that The deduction operation from the replenishment account according to the deduction order includes: Deducting the available balance from the replenishment account in sequence according to the deduction order; wherein the sum of the deducted available balances is equal to the payment amount specified in the payment request; Update the fund information table.

8. The method according to claim 7, characterized in that The method further comprises: Establishing a supplementary payment contract record table; wherein the supplementary payment contract record table is used to record the deduction order; Before the step of sequentially deducting the available balance from the replenishment account according to the deduction order, the method further includes: Determine whether the deduction order corresponding to the current account exists in the supplementary payment contract record table.

9. The method according to claim 8, characterized in that The method further comprises: Determine that the deduction sequence corresponding to the current account does not exist in the supplementary payment contract record table, and obtain the available balance of the primary account of the current account; Determine that the available balance of the primary account is greater than the payment amount, and deduct money from the primary account according to the payment amount.

10. The method according to claim 7, characterized in that Before the step of sequentially deducting the available balance from the replenishment account according to the deduction order, the method further includes: Query the fund information table to obtain the aggregate available balance of the primary account of the current account; It is determined that the aggregate available balance is greater than or equal to the payment amount.

11. The method according to claim 10, characterized in that The method further comprises: If it is determined that the aggregate available balance is less than the payment amount, a deduction failure message is sent.

12. A device for making payments between accounts, characterized in that: include: An establishment module for establishing an account system; wherein the account system includes a master account, sub-accounts established under the master account, a structural relationship between the master account and the sub-accounts, and account fund information; a determination module, configured to determine a payment account from the sub-accounts and a deduction order between the payment accounts based on the signed payment information and the structural relationship; a replenishment module, configured to receive a payment request, determine, based on the account fund information, that the current account balance is insufficient, and deduct funds from the replenishment account in accordance with the deduction order; The establishment module is further used to: receive an account system establishment request; wherein the account system establishment request includes master account information; determine, based on the configured contract rules and the master account information, whether the master account has the authority to establish the sub-account, including: the contract rules include a contract parameter name and a contract parameter value; determine, based on the master account information, the actual parameter value corresponding to the contract parameter name; determine that if the actual parameter value is consistent with the contract parameter value, then the master account has the authority to establish the sub-account; establish the sub-account under the master account in accordance with the set account system structure, and obtain the structural relationship between the master account and the sub-account; and add a pre-established fund information table under the sub-account; wherein the fund information table is used to record the account fund information of the master account and the account fund information of the sub-account.

13. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 11.

14. A computer-readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 11 is implemented.

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