Account linkage debit method and device

Abstract

The present invention provides an account linkage debiting method and device, which can be applied to the financial field or other fields. By setting an account linkage debiting mode related to a target debiting account of a multi-currency card, when the balance of the target debiting account is insufficient, it is judged whether there is a linkage debiting account according to the account linkage debiting mode related to the target debiting account; if the linkage debiting account exists, it is automatically switched to the linkage debiting account, and debits and remittances are performed from the linkage debiting account according to the remittance request, without manual exchange, thereby greatly improving the success rate of international remittances and enhancing customer experience.

Description

Technical Field

[0001] The present application relates to the technical field of currency remittance, and in particular to an account linkage debit method and device. Background Art

[0002] With the development of economic globalization, the trend of domestic residents going to various parts of the world to work and live is becoming increasingly obvious. The demand for domestic residents to transfer funds between their home country and their local location is increasing. This involves international remittance business. How to upgrade the international remittance business and improve the customer experience of the international remittance business has become a technical problem that needs to be solved urgently.

[0003] In the prior art, dual-currency cards are generally used for international remittances. When making remittances, such dual-currency cards can only select a single account. When the balance of one account is insufficient, the customer needs to exchange the currency in advance and deposit it into the corresponding currency account in order to successfully remit the money. This remittance method has a single remittance account, is inconvenient to operate, and may also cause remittance failures due to insufficient balances, resulting in a poor customer experience. Summary of the invention

[0004] In view of this, the purpose of this application is to provide an account linkage debit method and device that supports multi-currency account linkage debit to improve the remittance success rate and enhance customer experience.

[0005] The specific plan is as follows:

[0006] A first aspect of the present application provides an account linkage debit method, the method comprising:

[0007] Set the account linkage debit method related to the target debit account in the multi-currency card;

[0008] Determining whether the balance in the target debit account is sufficient according to a remittance request; the remittance request includes an amount to be remitted from the target debit account;

[0009] If the balance in the target debit account is insufficient, determining whether there is a linked debit account according to the account linked debit method related to the target debit account;

[0010] If the linked debit account exists, automatically switch to the linked debit account;

[0011] Debit and remittance are performed from the linked debit account according to the remittance request.

[0012] Optionally, the account linkage deduction method includes a one-way linkage deduction method;

[0013] The one-way linkage deduction method includes: linkage deduction directions between a first currency account, a second currency account, and between the first currency account and the second currency account;

[0014] The linkage debit direction between the first currency account and the second currency account is:

[0015] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0016] Optionally, the account linkage deduction method includes a two-way linkage deduction method;

[0017] The two-way linkage deduction method includes: linkage deduction directions between a first currency account, a second currency account, and between the first currency account and the second currency account;

[0018] The linkage debit direction between the first currency account and the second currency account is:

[0019] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0020] Optionally, the account linkage deduction method includes a multi-directional linkage deduction method;

[0021] The multi-directional linkage deduction method at least includes: linkage deduction directions between a first currency account, a second currency account, a third currency account and the first currency account, the second currency account, and the third currency account;

[0022] The linkage debit direction between the first currency account, the second currency account, and the third currency account is:

[0023] The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient;

[0024] The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

[0025] Optionally, if the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, the automatic switching to the linked debit account specifically includes:

[0026] Prioritize switching to an account corresponding to the legal currency of the remittance location.

[0027] A second aspect of the present application provides an account linkage debiting device, the device comprising: a parameter setting module, a judgment module, a switching module, and a debiting module;

[0028] The parameter setting module is used to set the account linkage debit method related to the target debit account in the multi-currency card;

[0029] The judgment module is used to judge whether the balance in the target debit account is sufficient according to the remittance request; the remittance request includes the amount to be remitted from the target debit account; if the balance in the target debit account is insufficient, judging whether there is a linkage debit account according to the account linkage debit mode related to the target debit account;

[0030] The switching module is used to automatically switch to the linked debit account if the linked debit account exists;

[0031] The debit module is used to debit and remit money from the linked debit account according to the remittance request.

[0032] Optionally, the parameter setting module includes a one-way linkage deduction mode setting module, which is used to set the one-way linkage deduction mode, specifically including:

[0033] Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account;

[0034] The linkage debit direction between the first currency account and the second currency account is:

[0035] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0036] Optionally, the parameter setting module includes a two-way linkage debiting mode setting module, which is used to set the two-way linkage debiting mode, specifically including:

[0037] Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account;

[0038] The linkage debit direction between the first currency account and the second currency account is:

[0039] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0040] Optionally, the parameter setting module includes a multi-directional linkage debit mode setting module, which is used to set the bidirectional linkage debit mode, specifically including:

[0041] At least set the first currency account, the second currency account, the third currency account and the linkage debit direction between the first currency account, the second currency account and the third currency account;

[0042] The linkage debit direction between the first currency account, the second currency account, and the third currency account is:

[0043] The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient;

[0044] The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

[0045] Optionally, the switching module is further used to:

[0046] If the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, the automatic switching to the linked debit account specifically includes:

[0047] Prioritize switching to an account corresponding to the legal currency of the remittance location.

[0048] Compared with the prior art, this application has the following advantages:

[0049] The present invention sets an account linkage debiting method related to the target debiting account of the multi-currency card. When the balance of the target debiting account is insufficient, it is determined whether there is a linkage debiting account according to the account linkage debiting method related to the target debiting account; if there is a linkage debiting account, it is automatically switched to the linkage debiting account, and debits and remittances are made from the linkage debiting account according to the remittance request. It can be seen that the multi-currency card in the present invention supports the linkage setting of debiting accounts of multi-currency accounts, and can determine that the balance of the target debiting account is insufficient. When there is a debiting account linked to the target debiting account, it is automatically switched to the debiting account linked to the target debiting account, and debits and remittances are made according to the remittance request without manual exchange, which greatly improves the success rate of international remittances and enhances customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0051] Figure 1 A method flow chart of an account linkage debit method provided for the present application example;

[0052] Figure 2 A schematic diagram of a one-way linkage deduction method provided in an embodiment of the present application;

[0053] Figure 3 A schematic diagram of a two-way linkage debit method provided in an embodiment of the present application;

[0054] Figure 4 A schematic diagram of a multi-directional linkage deduction method provided in an embodiment of the present application;

[0055] Figure 5 A schematic diagram of the structure of an account linkage debit device provided in an embodiment of the present application;

[0056] Figure 6 A schematic diagram of the internal structure of the parameter setting module provided in an embodiment of the present application. DETAILED DESCRIPTION

[0057] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0058] In the prior art, when using dual-currency cards for international remittances, only a single account can be selected. When the balance of a certain account is insufficient, the customer needs to exchange the currency in advance and deposit it into the account of the corresponding currency in order to successfully remit the money. In the prior art, dual-currency cards do not support account linkage for debiting multiple currency accounts, nor do they support automatic exchange. In view of this, the present application provides an account linkage debiting method and device, which supports account linkage debiting of multiple currency accounts and supports automatic exchange, so as to improve the remittance success rate and enhance the customer experience.

[0059] In order to facilitate the understanding of the technical solution of the present invention, the terms used in the embodiments of the present invention are explained.

[0060] Multi-currency card: A card issued by a bank that has settlement accounts in two or more currencies.

[0061] Local currency: specifically refers to the legal currency of a country or region.

[0062] One-way linkage: one-way linkage of currency A->currency B, or one-way linkage of currency B->currency A.

[0063] Among them, the one-way linkage of currency A->currency B: when the balance of currency A account is insufficient, the currency B account will be deducted. If the deducting account is currency B, there will be no linkage.

[0064] One-way linkage from currency B to currency A: When the balance of currency B account is insufficient, the currency A account will be deducted. If the deducting account is currency A, no linkage will be made.

[0065] One thing that needs to be explained is that the symbol “->” means that when the balance of the currency account before the symbol is insufficient, it will switch to the currency account after the symbol.

[0066] Two-way linkage: when the balance of currency A account is insufficient, the currency B account will be deducted; when the balance of currency B account is insufficient, the currency A account will be deducted. Whether the debit account is currency A or currency B, linkage is supported.

[0067] Multi-directional linkage: When the balance of currency A account is insufficient, the balance of currency B account will be linked to deduction; when the balance of currency B account is insufficient, the balance of other currency accounts will be linked to deduction. Regardless of whether the deduction account is currency A, currency B, or other currencies, linkage is supported. The specific linkage rules of multi-directional linkage can be customized.

[0068] The present application embodiment provides an account linkage debit method. The flowchart of the account linkage debit method is as follows: Figure 1 As shown, specifically including:

[0069] S101. Setting an account linkage debit method related to a target debit account in a multi-currency card.

[0070] The target debit account is one of all currency accounts owned by the multi-currency card; the account linkage debit mode includes one-way linkage, two-way linkage, and multi-way linkage. The target debit account linkage debit mode can be set to one or more. When there are multiple account linkage debit modes, the account linkage debit mode priority can be set. For example, the first currency account can be set to be one-way linked with the second currency account; the first currency account can also be set to be two-way linked with the third currency.

[0071] Step S101 is not a necessary step for every remittance, but is only set when it is necessary to set the account linkage debit method of the debit account supported by the multi-currency card.

[0072] S102: determining whether the balance in the target debit account is sufficient according to the remittance request; the remittance request includes an amount to be remitted from the target debit account.

[0073] The remitter initiates a remittance request, which includes the remittance amount. The remittance amount in the remittance request is used to determine whether the balance in the target debit account is sufficient. Of course, the remittance request may also include other information, such as the remittance initiation location, remittance currency, etc.

[0074] S103: If the balance in the target debit account is insufficient, determine whether there is a linked debit account according to the account linked debit mode related to the target debit account.

[0075] When the balance in the target debit account is insufficient, it is determined whether there is a linked debit account according to the account linkage debit mode related to the target debit account. For example, if the target debit account is a second currency account, and the account linkage debit mode of the target debit account is set to a two-way linkage debit mode of the second currency and the first currency, it is determined that there is a linked debit account, that is, the first currency account can be used as a linked debit account of the target debit account; if the account linkage debit mode of the target debit account is only set to a one-way linkage debit mode of the first currency->second currency, it is determined that there is no linked debit account, that is, when the balance of the first currency account is insufficient, the second currency account is linked to debit, and if the debit account is the second currency and the balance of the second currency account is insufficient, it is not linked.

[0076] S104: If the linked debit account exists, automatically switch to the linked debit account.

[0077] S105: Debit and remit money from the linked debit account according to the remittance request.

[0078] According to the remittance amount in the remittance request, debit and remittance are performed from the linked debit account.

[0079] Figure 2 A schematic diagram of a one-way linkage deduction method provided in an embodiment of the present application, such as Figure 2 As shown, the account linkage deduction method includes a one-way linkage deduction method, and the one-way linkage deduction method includes:

[0080] The first currency account, the second currency account, and the linkage debit direction between the first currency account and the second currency account;

[0081] The linkage debit direction between the first currency account and the second currency account is:

[0082] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0083] Figure 3 A schematic diagram of a two-way linkage deduction method provided in an embodiment of the present application, such as Figure 3 As shown, the account linkage deduction method includes a two-way linkage deduction method, and the two-way linkage deduction method includes:

[0084] The first currency account, the second currency account, and the linkage debit direction between the first currency account and the second currency account;

[0085] The linkage debit direction between the first currency account and the second currency account is:

[0086] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0087] Figure 4 A schematic diagram of a multi-directional linkage deduction method provided in an embodiment of the present application, such as Figure 4 As shown, the account linkage deduction method includes a multi-directional linkage deduction method, and the multi-directional linkage deduction method at least includes:

[0088] The linkage debit direction between the first currency account, the second currency account, the third currency account and the first currency account, the second currency account, and the third currency account;

[0089] The linkage debit direction between the first currency account, the second currency account, and the third currency account is:

[0090] The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient;

[0091] The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

[0092] Multi-directional linkage is not limited to three currencies, it can be more than three currencies. Multi-directional linkage can support directional linkage between multiple currencies, and specific linkage rules can be customized.

[0093] The following example illustrates how to determine the remittance linkage plan, combining the remittance location, remittance currency, and account linkage debit method.

[0094] Table 1: Remittance at the card opening location, remittance currency is currency A

[0095]

[0096] Table 2: Remittance at the card opening location, remittance currency is currency B

[0097]

[0098]

[0099] Table 3 Remittance at the card opening location, remittance currency is other currencies

[0100]

[0101] Table 4 Opening a card for cross-region remittance, remittance currency is currency A

[0102]

[0103] Table 5 Opening a card for cross-region remittance, remittance currency is currency B

[0104]

[0105] Table 6 Opening a card for remittance in another city, remittance currency is other currencies

[0106]

[0107] One thing that needs to be explained is that the symbol "->" in the table means that when the balance of the currency account before the symbol is insufficient, it will switch to the currency account after the symbol. According to the account linkage deduction method, combined with the remittance location and remittance currency, linkage adaptation is carried out according to different situations to maximize the remittance success rate and reduce exchange gains and losses.

[0108] In the method provided in the embodiment of the present application, if the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, then the automatic switching to the linked debit account specifically includes:

[0109] Prioritize switching to an account corresponding to the legal currency of the remittance destination. Using the legal currency of the remittance destination for remittance can reduce currency conversion fees.

[0110] and Figure 1 Corresponding to the account linkage debit method shown in the figure, the embodiment of the present application also provides an account linkage debit device for Figure 1 The specific implementation of the method is shown in the following diagram: Figure 5 shown. Figure 5 A schematic diagram of the structure of an account linkage debit device provided in an embodiment of the present application, Figure 5 The account linkage debiting device shown specifically includes:

[0111] The parameter setting module 501 is used to set the account linkage debiting method related to the target debiting account in the multi-currency card; it should be noted that the account linkage debiting method does not need to be set every time a remittance is made, and it is only set when the account linkage debiting method of the debiting account supported by the multi-currency card needs to be set.

[0112] The judgment module 502 is used to judge whether the balance in the target debit account is sufficient according to the remittance request; the remittance request includes the amount to be remitted from the target debit account; if the balance in the target debit account is insufficient, judging whether there is a linkage debit account according to the account linkage debit mode related to the target debit account.

[0113] The switching module 503 is used to automatically switch to the linked debit account if the linked debit account exists.

[0114] The debit module 504 is used to debit and remit money from the linked debit account according to the remittance request.

[0115] The account linkage debiting device provided in the embodiment of the present application sets the account linkage debiting mode related to the target debiting account in the multi-currency card. The account linkage debiting mode includes one-way linkage, two-way linkage, and multi-way linkage. One or more linkage debiting modes of the target debiting account can be set. When there are multiple account linkage debiting modes, the priority of the account linkage debiting mode can be set. The remittance request includes the remittance amount. Whether the balance in the target debiting account is sufficient is judged according to the remittance amount in the remittance request. When the balance in the target debiting account is insufficient, whether there is a linkage debiting account is judged according to the account linkage debiting mode related to the target debiting account. If the linkage debiting account exists, it is automatically switched to the linkage debiting account. Deductions and remittances are performed from the linkage debiting account according to the remittance request.

[0116] In one embodiment of the present application, based on the above solution, the parameter setting module includes a one-way linkage deduction mode setting module, a two-way linkage deduction mode setting module, and a multi-way linkage deduction mode setting module, such as Figure 6 As shown,

[0117] The one-way linkage deduction method setting module is specifically used to set the one-way linkage deduction method:

[0118] Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account;

[0119] The linkage debit direction between the first currency account and the second currency account is:

[0120] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0121] The two-way linkage deduction method setting module is specifically used to set the two-way linkage deduction method:

[0122] Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account;

[0123] The linkage debit direction between the first currency account and the second currency account is:

[0124] The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

[0125] The multi-directional linkage deduction method setting module is specifically used to set the multi-directional linkage deduction method:

[0126] At least set the first currency account, the second currency account, the third currency account and the linkage debit direction between the first currency account, the second currency account and the third currency account;

[0127] The linkage debit direction between the first currency account, the second currency account, and the third currency account is:

[0128] The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient;

[0129] The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

[0130] Multi-directional linkage is not limited to three currencies, it can be more than three currencies. Multi-directional linkage can support directional linkage between multiple currencies, and specific linkage rules can be customized.

[0131] In one embodiment of the present application, based on the above solution, the switching module is further used to:

[0132] If the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, the automatic switching to the linked debit account specifically includes:

[0133] Prioritize switching to an account corresponding to the legal currency of the remittance destination. Using the legal currency of the remittance destination for remittance can reduce currency conversion fees.

[0134] It should be noted that the account linkage debit method and device provided by the present invention can be used in the financial field or other fields. The above is only an example and does not limit the application field of the account linkage debit method and device provided by the present invention.

[0135] The above is a detailed introduction to an account linkage deduction method and device provided by the present application. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea; at the same time, for general technical personnel in this field, according to the idea of ​​the present application, there will be changes in the specific implementation method and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. An account linkage debit method, characterized in that: include: Set the account linkage debit method related to the target debit account in the multi-currency card; The account linkage debiting method includes at least two currency accounts including the target debiting account and the linkage debiting directions of the at least two currency accounts; the account linkage debiting method includes at least two of unidirectional linkage, bidirectional linkage and multidirectional linkage; the unidirectional linkage is to debit the second currency account when the balance of the first currency account is insufficient; the bidirectional linkage is to debit the second currency account when the balance of the first currency account is insufficient, and to debit the first currency account when the balance of the second currency account is insufficient; the multidirectional linkage is to debit the second currency account when the balance of the first currency account is insufficient, and to debit the third currency account when the balance of the second currency account is insufficient; the account linkage debiting method is customized according to user needs; Determining whether the balance in the target debit account is sufficient according to a remittance request; the remittance request includes an amount to be remitted from the target debit account; If the balance in the target debit account is insufficient, determining whether there is a linked debit account according to the account linked debit method related to the target debit account; If the linked debit account exists, automatically switch to the linked debit account; Debit and remittance are performed from the linked debit account according to the remittance request.

2. The method according to claim 1, characterized in that: The account linkage deduction method includes a one-way linkage deduction method; The one-way linkage deduction method includes: linkage deduction directions between a first currency account, a second currency account, and between the first currency account and the second currency account; The linkage debit direction between the first currency account and the second currency account is: The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

3. The method according to claim 1, characterized in that The account linkage deduction method includes a two-way linkage deduction method; The two-way linkage deduction method includes: linkage deduction directions between a first currency account, a second currency account, and between the first currency account and the second currency account; The linkage debit direction between the first currency account and the second currency account is: The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

4. The method according to claim 1, characterized in that: The account linkage debiting method includes a multi-directional linkage debiting method; The multi-directional linkage deduction method at least includes: linkage deduction directions between a first currency account, a second currency account, a third currency account and the first currency account, the second currency account, and the third currency account; The linkage debit direction between the first currency account, the second currency account, and the third currency account is: The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

5. The method according to claim 1 or 4, characterized in that: Also includes: If the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, the automatic switching to the linked debit account specifically includes: Prioritize switching to an account corresponding to the legal currency of the remittance location.

6. An account linkage debiting device, characterized in that: include: Parameter setting module, judgment module, switching module, and debit module; The parameter setting module is used to set the account linkage deduction method related to the target deduction account in the multi-currency card; the account linkage deduction method includes at least two of one-way linkage, two-way linkage and multi-way linkage; the one-way linkage is to deduct the second currency account when the balance of the first currency account is insufficient; the two-way linkage is to deduct the second currency account when the balance of the first currency account is insufficient, and to deduct the first currency account when the balance of the second currency account is insufficient; the multi-way linkage is to deduct the second currency account when the balance of the first currency account is insufficient, and to deduct the third currency account when the balance of the second currency account is insufficient; the account linkage deduction method includes at least two currency accounts including the target deduction account and the linkage deduction direction of the at least two currency accounts; the account linkage deduction method is customized according to user needs; The judgment module is used to judge whether the balance in the target debit account is sufficient according to the remittance request; the remittance request includes the amount to be remitted from the target debit account; if the balance in the target debit account is insufficient, judging whether there is a linkage debit account according to the account linkage debit mode related to the target debit account; The switching module is used to automatically switch to the linked debit account if the linked debit account exists; The debit module is used to debit and remit money from the linked debit account according to the remittance request.

7. The device according to claim 6, characterized in that The parameter setting module includes a one-way linkage debit mode setting module, which is used to set the one-way linkage debit mode, specifically including: Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account; The linkage debit direction between the first currency account and the second currency account is: The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account does not support being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

8. The device according to claim 6, characterized in that The parameter setting module includes a two-way linkage debiting mode setting module, which is used to set the two-way linkage debiting mode, specifically including: Set the first currency account, the second currency account and the linkage debit direction between the first currency account and the second currency account; The linkage debit direction between the first currency account and the second currency account is: The second currency account supports being used as a linked debit account for the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linked debit account for the second currency account when the balance in the second currency account is insufficient; the first currency account supports remittances in the first currency, and the second currency account supports remittances in the second currency; the first currency and the second currency are different currencies.

9. The device according to claim 6, characterized in that The parameter setting module includes a multi-directional linkage debit mode setting module, which is used to set the bidirectional linkage debit mode, specifically including: At least set the first currency account, the second currency account, the third currency account and the linkage debit direction between the first currency account, the second currency account and the third currency account; The linkage debit direction between the first currency account, the second currency account, and the third currency account is: The second currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; and the first currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; the third currency account supports being used as a linkage debit account of the second currency account when the balance in the second currency account is insufficient; and the second currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; the first currency account supports being used as a linkage debit account of the third currency account when the balance in the third currency account is insufficient; and the third currency account supports being used as a linkage debit account of the first currency account when the balance in the first currency account is insufficient; The first currency account supports remittance of a first currency, the second currency account supports remittance of a second currency, and the third currency account supports remittance of a third currency; the first currency, the second currency and the third currency are different currencies.

10. The device according to claim 6 or 9, characterized in that The switching module is further used for: If the target debit account has multiple linked debit accounts, and the multiple linked debit accounts include an account corresponding to the legal currency of the remittance location, the automatic switching to the linked debit account specifically includes: Prioritize switching to an account corresponding to the legal currency of the remittance location.

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