Accounting method, accounting device, electronic device and medium

Abstract

The present disclosure provides a bookkeeping method, which can be used in the financial field. The bookkeeping method comprises: an account management service receiving a first user request for fund collection and payment from a first account, and performing fund collection and payment from the first account based on the first user request; and when the fund collection and payment processing of the first account is successful, a bookkeeping service performing bookkeeping in a bookkeeping book for account changes of the first account; wherein information of the first account is pre-set in the bookkeeping book to perform bookkeeping for the first account; and the account management service is in communication connection with the bookkeeping service. The present disclosure also provides a bookkeeping device, equipment and storage medium.

Description

Technical Field

[0001] This disclosure can be used in the financial field, and more specifically, relates to an accounting method, accounting device, electronic device, and medium. Background Technology

[0002] Online budgeting caters to people's financial management needs and is becoming increasingly popular due to its ease of use. However, currently, online budgeting typically struggles to automatically record transactions based on account changes. Users often need to manually record transactions, or while some budgeting software can automatically record transactions by reading bank SMS messages, this method requires access to these messages, which could lead to information leaks and pose security risks. Summary of the Invention

[0003] In view of this, embodiments of the present disclosure provide a more secure accounting method, accounting device, electronic device, medium, and program product that can record transactions simultaneously with account changes.

[0004] A first aspect of this disclosure provides an accounting method. The accounting method includes: an account management service receiving a first user request for fund inflows and outflows from a first account, and performing fund inflows and outflows from the first account based on the first user request; and when the fund inflows and outflows from the first account are successfully processed, the accounting service records the account changes in a ledger; wherein, information about the first account is pre-set in the ledger for recording transactions in the first account; and wherein the account management service and the accounting service are communicatively connected.

[0005] According to an embodiment of this disclosure, when the fund inflow and outflow of the first account is successfully processed, the accounting service records the account changes of the first account in the ledger. This further includes: when the accounting service obtains authorization from the user to automatically record the fund inflow and outflow of the first account, the accounting service records the account changes of the first account in the ledger when the fund inflow and outflow of the first account is successfully processed.

[0006] According to an embodiment of this disclosure, when the fund inflow and outflow of the first account is successfully processed, the accounting service records the account changes of the first account in the ledger, which further includes: when the account management service sends a notification of the account changes of the first account to the user, the accounting service records the account changes of the first account in the ledger.

[0007] According to an embodiment of this disclosure, before the accounting service records the account changes of the first account in the ledger, the method further includes: the accounting service creating the ledger based on a second user request, and setting the first account in the ledger based on the user's settings.

[0008] According to an embodiment of this disclosure, the method further includes: the accounting service adding or deleting participating users of the ledger based on a third user request, wherein the requester of the second user request and the third user request is the user who created the ledger, and the user who created the ledger is different from the participating user.

[0009] According to an embodiment of this disclosure, the method further includes: the accounting service, based on a report viewing request from either the creating user or the participating user, displaying accounting report information of the accounts recorded in the ledger to the requester who sent the report viewing request, wherein the accounts recorded in the ledger include the first account.

[0010] According to embodiments of this disclosure, the method further includes: the accounting service initiating a collection request to at least one of the participating users of the ledger, based on the request collection operation of the user who created the ledger, for collection by the first account. Then, the account management service receiving a first user request for fund inflows and outflows from the first account includes: the account management service receiving a request from at least one of the participating users to transfer funds to the first account based on the collection request.

[0011] A second aspect of this disclosure provides an accounting device. The accounting device includes an account management service module and an automatic account change recording module. The account management service module is used to receive a first user request for fund inflows and outflows from a first account, and to perform fund inflows and outflows from the first account based on the first user request. The automatic account change recording module is used to record the account change in a ledger when the fund inflows and outflows of the first account are successfully processed; wherein, the information of the first account is pre-set in the ledger for recording the first account.

[0012] According to embodiments of this disclosure, the accounting device further includes an active accounting module. The active accounting module is used to create the ledger based on a second user request and to set up the first account in the ledger based on user settings before recording account changes for the first account in the ledger.

[0013] According to embodiments of this disclosure, the active accounting module is further configured to add or delete participating users of the ledger based on a third user request, wherein the requester of the second user request and the third user request is the user who created the ledger, and the user who created the ledger is different from the participating user.

[0014] According to an embodiment of this disclosure, the accounting device further includes a report module. The report module is used to display accounting report information of the accounts recorded in the ledger to the requester who sent the report viewing request, based on a report viewing request from either the creating user or the participating user, wherein the accounts recorded in the ledger include the first account.

[0015] According to embodiments of this disclosure, the accounting device further includes a payment collection module. The payment collection module is further configured to initiate a payment collection request to at least one of the participating users of the ledger, based on the payment collection request operation of the user who created the ledger, requesting payment to be collected by the first account. The account management service module is further configured to receive requests from at least one of the participating users to transfer funds to the first account based on the payment collection request.

[0016] A third aspect of this disclosure provides an electronic device. The electronic device includes one or more memories and one or more processors. Executable instructions are stored on the one or more memories. The one or more processors execute the executable instructions to implement the method described above.

[0017] A fourth aspect of this disclosure provides a computer-readable storage medium storing computer-executable instructions, which, when executed, are used to implement the method described above.

[0018] A fifth aspect of this disclosure provides a computer program including computer-executable instructions that, when executed, implement the method described above.

[0019] The above one or more embodiments have the following advantages or benefits: they can at least partially realize automatic accounting as account changes occur.

[0020] According to other embodiments of this disclosure, in a multi-person shared accounting mode, it is also possible to realize the payment on behalf of others for common expenses, the sharing of expenses equally, and the corresponding accounting records, which can be widely applied to social consumption scenarios shared by multiple people. Attached Figure Description

[0021] The above and other objects, features and advantages of this disclosure will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0022] Figure 1The illustrations depict application scenarios of accounting methods, accounting devices, electronic devices, media, and program products according to embodiments of the present disclosure.

[0023] Figure 2 The system architecture of the accounting method according to an embodiment of the present disclosure is illustrated schematically;

[0024] Figure 3 A flowchart illustrating an accounting method according to an embodiment of the present disclosure is shown schematically;

[0025] Figure 4 A flowchart illustrating an accounting method according to another embodiment of this disclosure is shown schematically;

[0026] Figure 5 The illustration shows a flowchart of an accounting method according to another embodiment of the present disclosure;

[0027] Figure 6 A block diagram of an accounting apparatus according to an embodiment of the present disclosure is schematically shown; and

[0028] Figure 7 A block diagram schematically illustrates an electronic device suitable for implementing an accounting method according to embodiments of the present disclosure. Detailed Implementation

[0029] The embodiments of the present disclosure will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0030] It should be understood in this document that any number of elements in the specification and figures are for illustrative purposes and not for limitation, and that any naming (e.g., first, second) is for distinction only and has no limiting meaning.

[0031] In the technical solution disclosed herein, the acquisition, storage, and application of user personal information comply with the provisions of relevant laws and regulations, necessary confidentiality measures have been taken, and there is no violation of public order and good morals.

[0032] In conceiving this disclosed solution, the inventors conducted research and analysis on the problem of online accounting's difficulty in automatically recording transactions as accounts change. The research revealed that the main reason for this problem is that the account management provider and the online accounting provider are often different operating entities, and information is isolated between them due to reasons such as information security.

[0033] In view of this, embodiments of the present disclosure provide a method for automatic accounting, wherein the account management service and the accounting service can communicate and connect, so that when the account management service successfully processes the fund inflow and outflow of a user account, the accounting service can record the account changes of the user account in the ledger, thereby realizing automatic accounting.

[0034] The accounting method according to embodiments of this disclosure includes: an account management service receiving a first user request for fund inflows and outflows from a first account, and performing fund inflows and outflows from the first account based on the first user request; and when the fund inflows and outflows from the first account are successfully processed, an accounting service records the account changes in the first account in a ledger; wherein, information of the first account is pre-set in the ledger for recording transactions in the first account; and wherein the account management service and the accounting service are communicatively connected. Accordingly, embodiments of this disclosure also provide an accounting device, an electronic device, a medium, and a program product.

[0035] In practical applications, the provider of the account management service and the provider of the accounting service can be the same operating entity. For example, both could be banks, third-party payment institutions, e-commerce platforms, cinemas, or shopping malls. Alternatively, the provider of the account management service and the provider of the accounting service in this embodiment of the disclosure can also be different operating entities, and the two parties can communicate with each other through protocols, network security communication technologies, etc.

[0036] Figure 1 The illustration schematically depicts application scenarios of an accounting method, accounting apparatus, electronic device, medium, and program product according to embodiments of the present disclosure. It should be noted that... Figure 1 The examples shown are merely examples of application scenarios that can be applied to the embodiments of this disclosure, in order to help those skilled in the art understand the technical content of this disclosure, but do not mean that the embodiments of this disclosure cannot be used in other devices, systems, environments or scenarios.

[0037] like Figure 1 As shown, application scenario 100 according to this embodiment may include one or more terminal devices (three terminal devices 101, 102, and 103 are illustrated in the figure), a network 104, and a server 105. Network 104 is a medium used to provide a communication link between terminal devices 101, 102, and 103 and server 105. Network 104 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0038] Users can use terminal devices 101, 102, and 103 to interact with server 105 via network 104 to receive or send messages, etc. Shopping apps, mobile banking apps, or online accounting applications can be installed on terminal devices 101, 102, and 103.

[0039] Terminal devices 101, 102, and 103 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0040] Server 105 can provide account management and accounting services. The account management service manages the inflows and outflows of funds in user accounts. The accounting service allows the setting up of one or more ledgers, each containing any number of accounts. When an account in a ledger is managed by the account management service, which communicates with the accounting service, changes to that account can be automatically recorded in the ledger.

[0041] In one embodiment, server 105 may be, for example, a backend server of a bank system. Therefore, the accounting method according to this disclosure can deploy accounting services on top of the bank's existing account management services, enabling the bank to provide accounting services to users based on their bank account information when providing account management services.

[0042] For example, an online accounting module can be added to a mobile banking app and made available to users of terminal devices 101, 102, and 103. Alternatively, the bank can develop a separate online accounting application, which users can download and install on terminal devices 101, 102, and 103. In the background, through the interaction of account management and accounting services provided by server 105, the online accounting application automatically records account changes when changes occur. In this way, for example, when a user has one or more accounts at the bank (credit card account, debit card account, fund account, current deposit account, and / or time deposit account, etc.), embodiments of this disclosure can provide an accounting book that automatically records the income and expenditure of each user's account, facilitating financial analysis for the user.

[0043] It should be noted that the server 105 shown above, which is the backend server of the banking system, is merely an example and does not constitute a limitation of this disclosure. The accounting methods, accounting devices, electronic devices, media, and program products determined in the embodiments of this disclosure can be used in the financial field, as well as in any field other than the financial field (e.g., catering, e-commerce, shopping, logistics, etc.). This disclosure does not limit the application field.

[0044] It is understood that the accounting method provided in this disclosure embodiment can generally be executed by server 105. Accordingly, the accounting device provided in this disclosure embodiment can generally be installed in server 105.

[0045] Alternatively, the accounting method provided in this disclosure can also be executed by a server or server cluster that is different from server 105 and is capable of communicating with terminal devices 101, 102, 103 and / or server 105. Correspondingly, the accounting apparatus provided in this disclosure can also be located in a server or server cluster that is different from server 105 and is capable of communicating with terminal devices 101, 102, 103 and / or server 105.

[0046] Alternatively, the accounting method provided in this embodiment can be partially executed by server 105 and partially by terminal devices 101, 102, and 103. For example, when the accounting service is a function in a mobile banking app, when server 105 sends an account change information reminder message to terminal devices 101, 102, and 103, the accounting book in the mobile banking app can obtain the message and automatically record the transaction. As another example, user operations such as creating ledgers and adding / deleting participating users in the accounting book can be performed by the terminal devices and then synchronized to server 105.

[0047] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0048] Figure 2 The system architecture of the accounting method according to an embodiment of the present disclosure is illustrated schematically.

[0049] like Figure 2 As shown, the system architecture 200 can provide account management service 201 and accounting service 202, wherein the account management service 201 and accounting service 202 can communicate with each other. The accounting service 202 can be configured with an accounting book, which can be a shared accounting book for multiple users.

[0050] Account Management Service 201 can manage the inflows and outflows of funds in the primary account. The primary account can also be set up within this ledger.

[0051] When the account management service 201 processes fund receipts and payments for the first account, causing changes in the account status of the first account, the accounting service 202 can obtain the account changes of the first account and record the account changes of the first account in the ledger.

[0052] The process by which the accounting service 202 obtains information on account changes of the first account can be achieved through a protocol notification between the account management service 201 and the accounting service 202.

[0053] For example, in one embodiment, when the account management service 201 successfully processes the fund inflows and outflows of the first account, it can push information about the account changes of the first account to the accounting service 202. For example, the account management service 201 can send account change notification SMS or messages to the user of the first account while also sending account change information to the accounting service 202.

[0054] In another embodiment, the accounting service 202 may also monitor or subscribe to the account change information of the first account in the account management service 201 to achieve automatic accounting for the first account.

[0055] It is understandable that in addition to the first account, there may be other accounts in the ledger. These other accounts may be accounts managed by Account Management Service 201 or accounts not managed by Account Management Service 201.

[0056] The following will be based on Figure 1 The scene described and Figure 2 The system architecture, through Figures 3-5 The accounting method of the disclosed embodiments will be described in detail.

[0057] Figure 3 A flowchart illustrating an accounting method according to an embodiment of the present disclosure is shown schematically.

[0058] like Figure 3 As shown, the accounting method according to the embodiments of this disclosure may include operations S301 to S302.

[0059] In operation S301, the account management service 201 receives a first user request for fund inflows and outflows from the first account, and performs fund inflows and outflows from the first account based on the first user request.

[0060] In operation S302, when the fund inflow and outflow of the first account are successfully processed, the accounting service 202 records the account changes of the first account in the ledger. The information of the first account is pre-set in the ledger for recording transactions for the first account. The account management service 201 and the accounting service 202 are connected in communication.

[0061] In some embodiments, the execution of operation S302 may be performed only with the authorization of the user of the automatic accounting system. That is, if the user allows automatic accounting for the first account, the account changes for the first account can only be recorded in the ledger when the fund inflows and outflows of the first account are successfully processed.

[0062] In some embodiments, operation S302 may be to record the account change of the first account in the ledger when the account management service 201 sends an account change notification of the first account to the user.

[0063] Typically, depending on the account change notification method selected by the user, the bank can send SMS notifications or reminder messages to the user's terminal devices 101, 102, and 103 when there are changes in the user's account income or expenditure. This embodiment of the disclosure can automatically record the account changes for the first account when sending change notifications to the user. This allows the user to easily verify the automatic recording status based on the account change notifications.

[0064] Alternatively, in some embodiments, for example, when the accounting service 202 is a function in a mobile banking app, when the bank sends an account change reminder message to the mobile banking app in the user's terminal devices 101, 102, and 103, the accounting service 202 can also obtain the reminder message and then automatically record the transaction in operation S302.

[0065] According to an embodiment of this disclosure, before operation S302, the accounting service 202 may create an accounting book based on a second user request and set up a first account in the accounting book based on the user's settings.

[0066] Furthermore, in some other embodiments, the accounting service 202 adds or deletes participating users in the ledger based on third-user requests, thereby enabling shared accounting by multiple users. The user who creates the ledger and the participating users have different identities and permissions. For example, the creating user has the permission to add or delete participating users, while participating users cannot add or delete other users. Alternatively, the creating user may have the permission to add or delete accounts, while participating users may only have the permission to view the accounts. Specific permission settings can be determined according to actual needs and are not limited in this disclosure.

[0067] Figure 4 A flowchart illustrating an accounting method according to another embodiment of the present disclosure is shown schematically. Figure 5 The illustration shows a flowchart of an accounting method according to another embodiment of the present disclosure.

[0068] like Figure 4 As shown, the accounting method according to embodiments of this disclosure may include operations S401 to S405. Wherein, Figure 4 The method can be used Figure 5 The multi-person collaborative accounting process shown includes a process where automatic accounting can be performed in a shared ledger based on the interaction between account management service 201 and accounting service 202.

[0069] First, in operation S401, account management service 201 processes the payment for the first account based on the request sent by the user who created the account. For example, the user creates a centralized payment for expenses shared by multiple people.

[0070] Then, in operation S402, when the payment to the first account is successfully processed, the accounting service 202 records the account change for the first account in the ledger.

[0071] Next, in operation S403, accounting service 202, based on the request to collect payment from the created user, initiates a collection request to at least one participating user in the ledger, with payment to be collected from the first account. For example, the created user can initiate a collection request to participating users who need to share the cost based on shared expenses.

[0072] Then, in operation S404, the account management service 201 receives a request from at least one participating user to transfer funds to the first account based on a payment request, and transfers funds to the first account based on the request.

[0073] In operation S405, when the transfer of funds to the first account is successfully processed, the accounting service 202 records the account change for the first account in the ledger.

[0074] As can be seen, the accounting method of this disclosure can be extended to a multi-person accounting mode based on single-person accounting. It can be used for multi-person accounting behaviors such as joint rent payment, expense management of friends' travel, and joint family expenses, and provides corresponding statistics and split bill functions.

[0075] For example, in scenarios involving shared rent payments or trips with friends, when a user makes a payment on behalf of another user for shared expenses, they can initiate a collection request through the ledger to collect payment from the participating users, facilitating cost sharing. Throughout the process, both the payment and collection details can be recorded in the ledger for easy viewing by all participants.

[0076] Furthermore, the accounting service 202 can also display the accounting report information of the accounts recorded in the ledger to the requester based on the report viewing request of any of the users who created or participated in the service.

[0077] This approach better supports users' desire to collaboratively record expenses in multi-person social scenarios, and the automatic recording based on account changes makes it more convenient and faster for users to record expenses.

[0078] Based on the accounting method described above in the embodiments of this disclosure, the embodiments of this disclosure also provide an accounting device. The following will be combined with... Figure 6 The device is described in detail.

[0079] Figure 6 A block diagram of an accounting apparatus 600 according to an embodiment of the present disclosure is shown schematically.

[0080] like Figure 6 As shown, the accounting device 600 may include an account management service module 610 and an automatic accounting module for account changes 620.

[0081] The account management service module 610 can be used to receive a first user request for fund inflows and outflows from a first account, and to make fund inflows and outflows from the first account based on the first user request. In one embodiment, the account management service module 610 can provide an account management service 201 for performing operation S301.

[0082] The automatic account change recording module 620 can be used to record account changes in the ledger when the fund inflows and outflows of the first account are successfully processed; wherein, the information of the first account is pre-set in the ledger for recording the first account. In one embodiment, the automatic account change recording module 620 can provide a recording service 202 for performing operation S302.

[0083] The automatic account change recording module 620 can also automatically record account changes in the ledger when the first account undergoes transactions such as transfers or payments, resulting in income and expenses, provided the user authorizes automatic recording (e.g., the user actively enables automatic recording). Users can then edit, modify, or delete the recorded details afterward.

[0084] Continue to refer to Figure 6 According to embodiments of this disclosure, the accounting device 600 may further include an active accounting module 630, a reporting module 640, or a payment collection module 650.

[0085] The active accounting module 630 is used to create an accounting book based on a second user's request and set up the first account in the accounting book based on the user's settings before recording the account changes of the first account in the accounting book.

[0086] The active accounting module 630 is also used to add or delete participating users of the accounting book based on requests from third users. The requesters of the second and third user requests are the users who created the accounting book, and the users who created the book are different from the participating users.

[0087] Through the Active Accounting Module 630, users can independently create ledgers. Users can add and delete participating users at any time. Participating users can join the ledger for collaborative accounting after being invited and confirming their participation. Both the creating and participating users can see all accounting details, but it can be restricted that only the creating user can delete and maintain entries.

[0088] The reporting module 640 is used to display accounting report information of the accounts recorded in the ledger to the requester based on a report viewing request from either the creating user or the participating user. The accounts recorded in the ledger include the first account. Both the creating user and the participating user can view and generate reports, performing statistical analysis and summarization of data within a certain time period.

[0089] The collection module 650 is also used to initiate a collection request to at least one participating user in the ledger, based on the request to collect payment from a user, with the first account handling the collection. The account management service module 610 is also used to receive requests from at least one participating user to transfer funds to the first account based on the collection request. In this way, the collection module 650 can initiate an AA collection request to the first account, and through the collection by the account management service module 610, the common expenses can be shared equally under the shared ledger model.

[0090] Any one or more of the modules, submodules, units, and subunits according to embodiments of the present disclosure, or at least part of the functions of any one or more of them, can be implemented in one module. Any one or more of the modules, submodules, units, and subunits according to embodiments of the present disclosure can be implemented by dividing them into multiple modules. Any one or more of the modules, submodules, units, and subunits according to embodiments of the present disclosure can be at least partially implemented as hardware circuitry, such as Field Programmable Gate Arrays (FPGAs), Programmable Logic Arrays (PLAs), Systems-on-Chip, Systems-on-Substrate, Systems-on-Package, Application-Specific Integrated Circuits (ASICs), or implemented in hardware or firmware by any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. Alternatively, one or more of the modules, submodules, units, and subunits according to embodiments of the present disclosure can be at least partially implemented as computer program modules, which, when run, can perform corresponding functions.

[0091] For example, any multiple of the account management service module 610, the automatic account change recording module 620, the proactive recording module 630, the report module 640, and the payment module 650 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this disclosure, at least one of the account management service module 610, the automatic account change recording module 620, the proactive recording module 630, the report module 640, and the payment module 650 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. Alternatively, at least one of the account management service module 610, the automatic account change recording module 620, the active recording module 630, the report module 640, and the payment collection module 650 can be implemented at least partially as a computer program module, which can perform corresponding functions when the computer program module is run.

[0092] Figure 7 A block diagram schematically illustrates an electronic device suitable for implementing an accounting method according to embodiments of the present disclosure. Figure 7 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of the embodiments disclosed herein.

[0093] like Figure 7 As shown, an electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage portion 708 into a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include onboard memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0094] RAM 703 stores various programs and data required for the operation of electronic device 700. Processor 701, ROM 702, and RAM 703 are interconnected via bus 704. Processor 701 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 702 and / or RAM 703. It should be noted that programs may also be stored in one or more memories other than ROM 702 and RAM 703. Processor 701 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in one or more memories.

[0095] According to embodiments of this disclosure, the electronic device 700 may further include an input / output (I / O) interface 705, which is also connected to a bus 704. The electronic device 700 may also include one or more of the following components connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0096] According to embodiments of this disclosure, the method flow according to embodiments of this disclosure can be implemented as a computer software program. For example, embodiments of this disclosure include a computer program product comprising a computer program carried on a computer-readable storage medium, the computer program containing program code for performing the methods shown in the flowchart. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709, and / or installed from removable medium 711. When the computer program is executed by processor 701, it performs the functions defined in the system of embodiments of this disclosure. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0097] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs that, when executed, implement the method according to the embodiments of this disclosure.

[0098] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 702 and / or RAM 703 and / or one or more memories other than ROM 702 and RAM 703 described above.

[0099] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods provided in the embodiments of this disclosure. When the computer program product is run on an electronic device, the program code is used to enable the electronic device to implement the accounting methods provided in the embodiments of this disclosure.

[0100] When the computer program is executed by the processor 701, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0101] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 709, and / or installed from a removable medium 711. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0102] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0103] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0104] The embodiments of this disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of this disclosure. Although various embodiments have been described above, this does not mean that the measures in the various embodiments cannot be used advantageously in combination. The scope of this disclosure is defined by the appended claims and their equivalents. Various substitutions and modifications can be made by those skilled in the art without departing from the scope of this disclosure, and all such substitutions and modifications should fall within the scope of this disclosure.

Claims

1. An accounting method, comprising: The account management service receives a first user request to make fund inflows and outflows from a first account, and makes fund inflows and outflows from the first account based on the first user request; as well as When the fund inflow and outflow of the first account are successfully processed, the accounting service records the account changes of the first account in the ledger; wherein, the information of the first account is preset in the ledger for recording the first account. The account management service is communicatively connected to the accounting service; the provider of the account management service is the same as the provider of the accounting service. Before the accounting service records the account changes of the first account in the ledger, the method further includes: the accounting service creating the ledger based on a second user request, and setting the first account in the ledger based on the user's settings. The accounting service adds or deletes participating users of the ledger based on a third user request, wherein the requester of the second user request and the third user request is the user who created the ledger, and the user who created the ledger is different from the participating users; the user who created the ledger has the authority to add or delete participating users; The account management service receives a first user request for fund inflows and outflows from the first account, including: the account management service receiving a request from the creating user to make fund payments from the first account based on the joint expenditures of the creating user and the participating users; The method further includes: the accounting service, based on the request for payment from the user who created the account, and according to the joint expenditure, initiating a payment request to at least one of the participating users in the ledger for payment to be made by the first account; and the account management service receiving a first user request for fund inflow and outflow from the first account, including: the account management service receiving a request from at least one of the participating users to transfer funds to the first account based on the payment request; The accounting service displays the accounting report information of the accounts recorded in the ledger to the requester who sent the report viewing request based on a report viewing request from either the creating user or any of the participating users.

2. The method according to claim 1, wherein, When the fund inflow and outflow of the first account are successfully processed, the accounting service also includes recording the account changes of the first account in the ledger: When the accounting service obtains authorization from the user to automatically record transactions for the first account, and the transaction of funds in the first account is successfully processed, the accounting service records the account changes for the first account in the ledger.

3. The method according to claim 1, wherein, When the fund inflow and outflow of the first account are successfully processed, the accounting service also includes recording the account changes of the first account in the ledger: When the account management service sends a notification of account changes to the user for the first account, the accounting service records the account changes for the first account in the ledger.

4. An accounting device, comprising: The account management service module is used to provide account management services, receive first user requests for fund inflows and outflows from the first account, and perform fund inflows and outflows from the first account based on the first user requests; The automatic account change recording module is used to provide accounting services. When the fund inflow and outflow of the first account are successfully processed, the account change of the first account is recorded in the ledger. The ledger is pre-set with the information of the first account for recording the first account. The account management service is communicatively connected to the accounting service; the provider of the account management service is the same as the provider of the accounting service. The active accounting module is used to create the accounting book based on a second user request before recording the account changes of the first account in the accounting book, and to set the first account in the accounting book based on the user's settings. The active accounting module is also used to add or delete participating users of the accounting book based on a third user request, wherein the requester of the second user request and the third user request is the user who created the accounting book, and the user who created the book is different from the participating users; the user who created the book has the authority to add or delete the participating users; The account management service module is used to receive a request from the creating user to make a payment from the first account based on the joint expenditure of the creating user and the participating users; The payment module is used to initiate a payment request to at least one of the participating users in the ledger, based on the request payment operation of the user who created the account and the common expenditure, so as to collect the payment from the first account. The account management service module is also used to receive requests from at least one of the participating users to transfer funds to the first account based on the payment request; The reporting module is used to display the accounting report information of the accounts recorded in the ledger to the requester based on a report viewing request from either the creating user or any of the participating users.

5. An electronic device, comprising: One or more memories storing executable instructions; as well as One or more processors execute the executable instructions to implement the method according to any one of claims 1 to 3.

6. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, cause the processor to perform the method according to any one of claims 1 to 3.

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