Bank account management method, management device and electronic device thereof

Abstract

The present application provides a method for bank account management, a management device and an electronic device thereof, the method comprising: first, determining the number of internal accounts of a target bank corresponding to a plurality of contract information, the internal account being a unique identifier of the target bank for fund management; then, determining the contractual relationship of a plurality of contract information according to the number of internal accounts and a plurality of account names, the contractual relationship including a master-slave contractual relationship and a parallel contractual relationship; finally, updating the contractual information according to the contractual relationship to achieve account management. Compared with the problem of high error rate due to maintenance in the prior art, the bank account management method of the present application, by determining the contractual relationship between the contract information corresponding to a plurality of accounts, and then updating the contract information according to the contractual relationship, ensures that the account can be managed through the corresponding contract information, avoids the problem of high error rate due to maintenance in the prior art, and ensures a low error rate in bank account management.

Description

Technical Field

[0001] The present application relates to the banking field, and in particular, to a bank account management method, a management device, a computer-readable storage medium, a processor, and an electronic device. Background Art

[0002] At present, the relationship between banking media and accounts is realized through the "media, account" system. On this basis, the relationship between accounts is directly undertaken through the "account and account" relationship entity. On the one hand, this approach poses certain risks to the security of accounts. On the other hand, it will increase the complexity of implementation at the technical level and increase the cost of code development.

[0003] When a customer opens an account at a bank, if they open multiple accounts, the bank needs to establish certain relationships between accounts in order to uniformly manage the customer's account information and improve customer experience. The relationship between accounts is currently implemented at the database level by establishing a relationship entity for every two accounts at the account level. This method of directly establishing entities at the account level has high code costs and high error rates when implementing related functions. On the other hand, it increases the risk to customer accounts during entity maintenance.

[0004] The above information disclosed in the background technology section is only used to enhance the understanding of the background technology of the technology described in this article. Therefore, the background technology may contain certain information that does not form the prior art known in this country for those skilled in the art. Summary of the invention

[0005] The main purpose of the present application is to provide a bank account management method, a management device, a computer-readable storage medium, a processor, and an electronic device thereof, so as to solve the problem of high error rate caused by maintenance in the prior art.

[0006] According to one aspect of an embodiment of the present invention, a method for bank account management is provided, wherein there are at least two accounts, and the accounts have corresponding account information and contract information, the contract information includes an account name, an internal account number, a contract status, contract signing and termination information, and product purchase information, the account information includes an account name, an internal account number, and corresponding fund information, the method includes: determining the number of internal accounts of a target bank corresponding to the multiple contract information based on a plurality of the contract information, the internal account number being a unique identifier of the target bank for fund management; determining a contractual relationship between the multiple contract information based on the number of the internal account numbers and the multiple account names, the contractual relationship including a master-slave contractual relationship and a parallel contractual relationship, the master-slave contractual relationship being a relationship characterizing that the multiple contract information have a subordinate relationship, and the parallel contractual relationship being a relationship characterizing that the multiple contract information have common information; updating the contract information based on the contractual relationship to achieve management of the account, the management including account opening and account cancellation.

[0007] Optionally, based on the multiple contract information, the number of internal accounts of the target bank corresponding to the multiple contract information is determined, including: when the internal account numbers corresponding to the multiple contract information are different, determining that the number of internal account numbers is equal to the number of contract information; when the internal account numbers corresponding to the multiple contract information are partially the same, determining that the number of internal account numbers is less than the number of contract information.

[0008] Optionally, the contractual relationship of multiple contract information is determined based on the number of internal accounts and the multiple account names, including: when the number of internal accounts is equal to the number of contract information, determining whether the multiple account names corresponding to the multiple contract information are the same; when the multiple account names are the same, determining that the contractual relationship of the multiple contract information is the master-slave contractual relationship, and the master-slave contractual relationship is determined based on the order in which the multiple contract information are established, the account corresponding to the contract information established first is the master account, and the account corresponding to the contract information established later is the sub-account.

[0009] Optionally, the contract information is updated according to the contractual relationship to achieve management of the account, including: when the contractual relationship is the master-slave contractual relationship, by updating the contract information corresponding to the master account, the contract information of the sub-account that is the same as the master account is synchronously updated.

[0010] Optionally, the contractual relationship among the multiple contract information is determined based on the number of the internal accounts and the multiple account names, including: when the number of the internal accounts is less than the number of the contract information, determining that the contractual relationship among the multiple contract information corresponding to the same internal account is the parallel contractual relationship.

[0011] Optionally, the contract information is updated according to the contractual relationship to achieve management of the account, including: when the contractual relationship is a parallel contractual relationship, by updating one of the contract information, other contract information corresponding to the internal account corresponding to the updated contract information is synchronously updated.

[0012] According to another aspect of an embodiment of the present invention, a device for managing a bank account is also provided, wherein there are at least two accounts, and the accounts have corresponding account information and contract information, wherein the contract information includes an account name, an internal account number, a contract status, contract signing and termination information, and product purchase information, and the account information includes an account name, an internal account number, and corresponding fund information, and the device includes a first determination unit, a second determination unit, and an update unit, wherein the first determination unit is used to determine the number of internal accounts of a target bank corresponding to a plurality of the contract information according to a plurality of the contract information, wherein the internal account number is a unique identifier of the target bank for fund management; the second determination unit is used to determine a contractual relationship between a plurality of the contract information according to the number of the internal account numbers and the plurality of the account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship is used to characterize that a plurality of the contract information has an affiliated relationship, and the parallel contractual relationship is used to characterize that a plurality of the contract information has a relationship of common information; the update unit is used to update the contract information according to the contractual relationship to achieve management of the account, wherein the management includes account opening and account cancellation.

[0013] According to another aspect of the embodiments of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium includes a stored program, wherein the program is used to execute any one of the methods described.

[0014] According to yet another aspect of the embodiments of the present invention, a processor is provided, wherein the processor is used to run a program, wherein any one of the methods is executed when the program is run.

[0015] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors, a memory and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include methods for executing any one of the described methods.

[0016] By adopting the technical solution of the present application, in the method for managing a bank account, first, the number of internal accounts of the target bank corresponding to the multiple contract information is determined, and the internal account is the unique identifier of the target bank for fund management; then, the contractual relationship of the multiple contract information is determined based on the number of internal accounts and the multiple account names, and the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship; finally, based on the contractual relationship, the contract information is updated to achieve management of the account. Compared with the problem of high error rate due to maintenance in the prior art, the method for managing a bank account of the present application determines the contractual relationship between the contract information corresponding to the multiple accounts, and then updates the contract information based on the contractual relationship, thereby ensuring that the account can be managed through the corresponding contract information, avoiding the problem of high error rate due to maintenance in the prior art, and ensuring that the error rate of the bank account management method is low. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings constituting part of the present application are used to provide a further understanding of the present application. The exemplary embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1 A schematic diagram showing a flow chart of a method for managing a bank account according to an embodiment of the present application is shown;

[0019] Figure 2 A schematic diagram of a bank account management device according to an embodiment of the present application is shown. DETAILED DESCRIPTION

[0020] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0021] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings 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 should fall within the scope of protection of the present application.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present application described here. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0023] It should be understood that when an element (such as a layer, film, region, or substrate) is described as being "on" another element, the element may be directly on the other element, or there may be intermediate elements. Moreover, in the specification and claims, when it is described that an element is "connected" to another element, the element may be "directly connected" to the other element, or "connected" to the other element through a third element.

[0024] As mentioned in the background technology, the prior art has the problem of high error rate due to maintenance. In order to solve the above problem, in a typical implementation of the present application, a bank account management method, a management device, a computer-readable storage medium, a processor and an electronic device are provided.

[0025] According to an embodiment of the present application, a method for bank account management is provided, wherein there are at least two accounts, and the accounts have corresponding account information and contract information. The contract information includes account name, internal account number, contract status, contract signing and termination information, and product purchase information. The account information includes account name, internal account number and corresponding fund information.

[0026] Figure 1 1 is a flow chart of a method for managing a bank account according to an embodiment of the present application. Figure 1 As shown, the method comprises the following steps:

[0027] Step S101, determining the number of internal accounts of the target bank corresponding to the multiple contract information according to the multiple contract information, wherein the internal account is a unique identifier of the target bank for fund management;

[0028] Step S102, determining the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship indicates that the plurality of contract information have a subordinate relationship, and the parallel contractual relationship indicates that the plurality of contract information have common information;

[0029] Step S103, based on the contractual relationship, the contractual information is updated to implement the management of the account, including account opening and account cancellation.

[0030] In the above-mentioned bank account management method, first, the number of internal accounts of the target bank corresponding to the above-mentioned contract information is determined, and the above-mentioned internal account is the unique identifier of the above-mentioned target bank for fund management; then, based on the above-mentioned internal account number and the above-mentioned account names, the contractual relationship of the above-mentioned contract information is determined, and the above-mentioned contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship; finally, based on the above-mentioned contractual relationship, the above-mentioned contract information is updated to achieve the management of the above-mentioned accounts. Compared with the problem of high error rate due to maintenance in the prior art, the above-mentioned bank account management method of the present application, by determining the contractual relationship between the above-mentioned contract information corresponding to the above-mentioned accounts, and then updating the above-mentioned contract information according to the above-mentioned contractual relationship, ensures that the above-mentioned accounts can be managed through the corresponding above-mentioned contract information, avoids the problem of high error rate due to maintenance in the prior art, and ensures that the error rate of the above-mentioned bank account management is low.

[0031] In the prior art, if it is necessary to maintain the relationship between accounts, it is necessary to achieve this by maintaining relationship entities. The maintenance of such relationship entities will result in high code costs and high error rates, and will increase the risk to customer accounts during entity maintenance. In the above-mentioned bank account management method, by introducing the above-mentioned contractual relationship, the management of the above-mentioned account relationship can be achieved by maintaining the above-mentioned contractual relationship, thereby ensuring that the management cost and error rate of the above-mentioned accounts in the above-mentioned bank account management method are low. In addition, since there is no need to perform entity maintenance at the account level, the safety factor of customer accounts at the account level is higher.

[0032] According to a specific embodiment of the present application, based on the above-mentioned multiple contract information, the number of internal accounts of the target bank corresponding to the above-mentioned multiple contract information is determined, including: when the above-mentioned internal accounts corresponding to the above-mentioned multiple contract information are all different, determining that the number of the above-mentioned internal accounts is equal to the number of the above-mentioned contract information; when the above-mentioned internal accounts corresponding to the above-mentioned multiple contract information are partially the same, determining that the number of the above-mentioned internal accounts is less than the number of the above-mentioned contract information. By confirming whether the above-mentioned internal accounts corresponding to the above-mentioned contract information are the same, the contractual relationship of the above-mentioned contract information can be confirmed according to the situation, ensuring that the above-mentioned contract information can be updated more conveniently in the future, so as to make the management of the above-mentioned multiple accounts simpler, and further ensure that the management cost of the above-mentioned accounts is low.

[0033] According to another specific embodiment of the present application, the contractual relationship of the plurality of contract information is determined based on the number of the internal accounts and the plurality of account names, including: when the number of the internal accounts is equal to the number of the contract information, determining whether the plurality of account names corresponding to the plurality of contract information are the same; when the plurality of account names are the same, determining the contractual relationship of the plurality of contract information as the master-slave contractual relationship, the master-slave contractual relationship is determined according to the order in which the plurality of contract information are established, the account corresponding to the contract information established first is the master account, and the account corresponding to the contract information established later is the sub-account. When the number of the internal accounts is equal to the number of the contract information, it means that the internal accounts corresponding to the contract information are not the same, and then by confirming whether the corresponding account names in the contract information are the same, and defining the relationship of the contract information with the same account names as the master-slave contractual relationship, it is ensured that the contractual relationship can be determined more accurately, so that the management of the accounts can be completed more accurately according to the master-slave contractual relationship.

[0034] In a specific embodiment, if a user first opens a RMB current account, the target bank will create an internal account corresponding to the current account to record the corresponding fund information of the internal account, and then the same user opens a foreign currency time deposit account, the target bank will also create an internal account for the account. At this time, the RMB current account is the main account, and the foreign currency time deposit account is the sub-account. The two accounts correspond to the same account name, and the contract relationship corresponding to the two contract information is a master-slave contract relationship.

[0035] In the case where the internal accounts corresponding to the multiple contract information are partially the same, according to another specific embodiment of the present application, the contractual relationship of the multiple contract information is determined according to the number of the internal accounts and the multiple account names, including: in the case where the number of the internal accounts is less than the number of the contract information, the contractual relationship of the multiple contract information corresponding to the same internal account is determined to be the parallel contractual relationship. By confirming that the relationship between the multiple contract information corresponding to the same internal account is the parallel contractual relationship, it is ensured that the contract information can be updated more conveniently in the future, so that the management of the multiple accounts is simpler, and the management cost of the accounts is further ensured to be low.

[0036] In a specific embodiment, if a user applies for a bank card and opens a RMB settlement account, and then applies for a secondary card under the above bank card, the account names corresponding to the above main card and the above secondary card may be different. Since the financial information used by the above secondary card is the same as that of the main card, the bank no longer opens an internal account for the above secondary card, that is, the above internal account numbers corresponding to the above two contract information are the same. At this time, the above contracts corresponding to the two above contract information are the above-mentioned parallel contract relationship.

[0037] In order to further ensure that the error rate of the above-mentioned account management is low, according to a specific embodiment of the present application, the above-mentioned contract information is updated according to the above-mentioned contract relationship to achieve the management of the above-mentioned account, including: when the above-mentioned contract relationship is the above-mentioned master-slave contract relationship, by updating the above-mentioned contract information corresponding to the above-mentioned master account, the above-mentioned contract information of the above-mentioned sub-account that is the same as the above-mentioned master account is synchronously updated. By updating the contract information corresponding to the above-mentioned master account in the above-mentioned master-slave contract relationship, the above-mentioned contract information in the above-mentioned sub-account that is the same as the above-mentioned master account can be synchronously updated, which ensures that the management of the above-mentioned account is simpler, and at the same time further ensures that the error rate and maintenance cost in the management process of the above-mentioned account are low.

[0038] In order to further ensure that the error rate of the above-mentioned account management is low, according to another specific embodiment of the present application, the above-mentioned contract information is updated according to the above-mentioned contract relationship to achieve the management of the above-mentioned account, including: when the above-mentioned contract relationship is the above-mentioned parallel contract relationship, by updating one of the above-mentioned contract information, the other contract information corresponding to the above-mentioned internal account corresponding to the updated contract information is synchronously updated. By updating one of the above-mentioned contract information in the above-mentioned parallel contract relationship, the other multiple contract information identical to the above-mentioned internal account corresponding to the above-mentioned contract information being updated can be synchronously updated, which ensures that the management of the above-mentioned account is simpler, and at the same time further ensures that the error rate and maintenance cost in the management process of the above-mentioned account are low.

[0039] In a specific embodiment, if the internal accounts corresponding to the multiple contract information are different, and the account names corresponding to the contract information are also different, the management of the contract information needs to be carried out independently, that is, the contract information corresponding to the account needs to be maintained independently to achieve the management of the account.

[0040] The embodiment of the present application also provides a device for managing a bank account, wherein there are at least two accounts, and the accounts have corresponding account information and contract information, wherein the contract information includes the account name, internal account number, contract status, contract signing and termination information, and product purchase information, and the account information includes the account name, internal account number, and corresponding fund information. It should be noted that the device of the embodiment of the present application can be used to execute the method for managing a bank account provided in the embodiment of the present application. The device for managing a bank account provided in the embodiment of the present application is introduced below.

[0041] Figure 2 Schematic diagram of a bank account management device according to an embodiment of the present application. Figure 2 As shown, the device includes a first determination unit 10, a second determination unit 20 and an updating unit 30, wherein the first determination unit 10 is used to determine the number of internal accounts of the target bank corresponding to the multiple contract information according to the multiple contract information, and the internal account is the unique identifier of the target bank for fund management; the second determination unit 20 is used to determine the contractual relationship of the multiple contract information according to the number of internal accounts and the multiple account names, and the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, the master-slave contractual relationship is used to characterize that the multiple contract information have a subordinate relationship, and the parallel contractual relationship is used to characterize that the multiple contract information have a relationship of common information; the updating unit 30 is used to update the contract information according to the contractual relationship to realize the management of the account, and the management includes account opening and account cancellation.

[0042] In the above-mentioned bank account management device, the number of internal accounts of the target bank corresponding to the multiple contract information is determined by the above-mentioned first determination unit, and the above-mentioned internal account is the unique identifier of the target bank for fund management; the contractual relationship of the multiple contract information is determined by the above-mentioned second determination unit according to the number of the above-mentioned internal account and the multiple account names, and the above-mentioned contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship; the above-mentioned contract information is updated by the above-mentioned update unit according to the above-mentioned contractual relationship to achieve the management of the above-mentioned accounts. Compared with the problem of high error rate due to maintenance in the prior art, the above-mentioned bank account management device of the present application determines the contractual relationship between the above-mentioned contract information corresponding to the multiple accounts, and then updates the above-mentioned contract information according to the above-mentioned contractual relationship, thereby ensuring that the above-mentioned accounts can be managed through the corresponding contract information, avoiding the problem of high error rate due to maintenance in the prior art, and ensuring that the error rate of the above-mentioned bank account management is low.

[0043] In the prior art, if it is necessary to maintain the relationship between accounts, it is necessary to achieve this by maintaining relationship entities. The maintenance of such relationship entities will result in high code costs and high error rates, and will increase the risk to customer accounts during entity maintenance. In the above-mentioned bank account management method, by introducing the above-mentioned contractual relationship, the management of the above-mentioned account relationship can be achieved by maintaining the above-mentioned contractual relationship, thereby ensuring that the management cost and error rate of the above-mentioned accounts in the above-mentioned bank account management method are low. In addition, since there is no need to perform entity maintenance at the account level, the safety factor of customer accounts at the account level is higher.

[0044] According to a specific embodiment of the present application, the first determination unit includes a first determination module and a second determination module, wherein the first determination module is used to determine that the number of the internal accounts is equal to the number of the contract information when the internal accounts corresponding to the multiple contract information are different; the second determination module is used to determine that the number of the internal accounts is less than the number of the contract information when the internal accounts corresponding to the multiple contract information are partially the same. By confirming whether the internal accounts corresponding to the contract information are the same, the contractual relationship of the contract information can be confirmed according to the situation, ensuring that the contract information can be updated more conveniently later, so that the management of the multiple accounts is simpler, and further ensuring that the management cost of the accounts is low.

[0045] According to another specific embodiment of the present application, the second determination unit includes a third determination module and a fourth determination module, wherein the third determination module is used to determine whether the multiple account names corresponding to the multiple contract information are the same when the number of the internal accounts is equal to the number of the contract information; the fourth determination module is used to determine whether the contract relationship of the multiple contract information is the master-slave contract relationship when the multiple account names are the same, and the master-slave contract relationship is determined according to the order in which the multiple contract information are established, and the account corresponding to the contract information established first is the master account, and the account corresponding to the contract information established later is the sub-account. When the number of the internal accounts is equal to the number of the contract information, it means that the internal accounts corresponding to the contract information are not the same, and then by confirming whether the corresponding account names in the contract information are the same, and defining the relationship of the contract information with the same account name as the master-slave contract relationship, it is ensured that the contract relationship can be determined more accurately, so that the management of the accounts can be completed more accurately according to the master-slave contract relationship.

[0046] In a specific embodiment, if a user first opens a RMB current account, the target bank will create an internal account corresponding to the current account to record the corresponding fund information of the internal account, and then the same user opens a foreign currency time deposit account, the target bank will also create an internal account for the account. At this time, the RMB current account is the main account, and the foreign currency time deposit account is the sub-account. The two accounts correspond to the same account name, and the contract relationship corresponding to the two contract information is a master-slave contract relationship.

[0047] In the case where the internal accounts corresponding to the plurality of the contract information are partially identical, according to another specific embodiment of the present application, the second determination unit further includes a fifth determination module, and the fifth determination module is used to determine that the contractual relationship between the plurality of the contract information corresponding to the same internal account is the parallel contractual relationship when the number of the internal accounts is less than the number of the contract information. By confirming that the relationship between the plurality of the contract information corresponding to the same internal account is the parallel contractual relationship, it is ensured that the contract information can be updated more conveniently in the future, so that the management of the plurality of the accounts is simpler, and the management cost of the accounts is further ensured to be low.

[0048] In a specific embodiment, if a user applies for a bank card and opens a RMB settlement account, and then applies for a secondary card under the above bank card, the account names corresponding to the above main card and the above secondary card may be different. Since the financial information used by the above secondary card is the same as that of the main card, the bank no longer opens an internal account for the above secondary card, that is, the above internal account numbers corresponding to the above two contract information are the same. At this time, the above contracts corresponding to the two above contract information are the above-mentioned parallel contract relationship.

[0049] In order to further ensure that the error rate of the above-mentioned account management is low, according to a specific embodiment of the present application, the above-mentioned update unit includes a first update module, and the above-mentioned first update module is used to synchronously update the above-mentioned contract information of the above-mentioned sub-account that is the same as the above-mentioned main account by updating the above-mentioned contract information corresponding to the above-mentioned main account when the above-mentioned contract relationship is the above-mentioned master-slave contract relationship. By updating the contract information corresponding to the above-mentioned main account in the above-mentioned master-slave contract relationship, the above-mentioned contract information in the above-mentioned sub-account that is the same as the above-mentioned main account can be synchronously updated, which ensures that the management of the above-mentioned account is simpler, and at the same time ensures that the error rate and cost in the management process of the above-mentioned account are lower.

[0050] In order to further ensure that the error rate of the above-mentioned account management is low, according to another specific embodiment of the present application, the above-mentioned update unit also includes a second update module, and the above-mentioned second update module is used to synchronously update other contract information corresponding to the above-mentioned internal account corresponding to the updated above-mentioned contract information by updating one of the above-mentioned contract information when the above-mentioned contract relationship is the above-mentioned parallel contract relationship. By updating one of the above-mentioned contract information in the above-mentioned parallel contract relationship, the other multiple contract information identical to the above-mentioned internal account corresponding to the above-mentioned contract information being updated can be synchronously updated, which ensures that the management of the above-mentioned accounts is simpler, and at the same time ensures that the error rate and cost of the management process of the above-mentioned accounts are lower.

[0051] In a specific embodiment, if the internal accounts corresponding to the multiple contract information are different, and the account names corresponding to the contract information are also different, the management of the contract information needs to be carried out independently, that is, the contract information corresponding to the account needs to be maintained independently to achieve the management of the account.

[0052] The above-mentioned device includes a processor and a memory. The above-mentioned first determination unit, the above-mentioned second determination unit and the above-mentioned updating unit are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0053] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the problem of high error rate caused by maintenance in the prior art can be solved by adjusting kernel parameters.

[0054] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM), and non-volatile memory such as read-only memory (ROM) or flash RAM. The memory includes at least one memory chip.

[0055] An embodiment of the present invention provides a computer-readable storage medium on which a program is stored. When the program is executed by a processor, the above-mentioned bank account management method is implemented.

[0056] An embodiment of the present invention provides a processor, and the processor is used to run a program, wherein the bank account management method is executed when the program is run.

[0057] An embodiment of the present invention provides a device, the device including a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, at least the following steps are implemented:

[0058] Step S101, determining the number of internal accounts of the target bank corresponding to the multiple contract information according to the multiple contract information, wherein the internal account is a unique identifier of the target bank for fund management;

[0059] Step S102, determining the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship indicates that the plurality of contract information have a subordinate relationship, and the parallel contractual relationship indicates that the plurality of contract information have common information;

[0060] Step S103, updating the contract information according to the contractual relationship to implement the management of the account, including account opening and account cancellation.

[0061] The devices in this article can be servers, PCs, PADs, mobile phones, etc.

[0062] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing a program for initializing at least the following method steps:

[0063] Step S101, determining the number of internal accounts of the target bank corresponding to the multiple contract information according to the multiple contract information, wherein the internal account is a unique identifier of the target bank for fund management;

[0064] Step S102, determining the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship indicates that the plurality of contract information have a subordinate relationship, and the parallel contractual relationship indicates that the plurality of contract information have common information;

[0065] Step S103, updating the contract information according to the contractual relationship to implement the management of the account, including account opening and account cancellation.

[0066] According to another typical embodiment of the present application, an electronic device is also provided, comprising one or more processors, a memory and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include means for executing any one of the methods described above.

[0067] The electronic device mentioned above includes one or more processors, a memory and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include methods for executing any of the above methods. Compared with the problem of high error rate due to maintenance in the prior art, the electronic device of the present application determines the contractual relationship between the contract information corresponding to the plurality of accounts, and then updates the contract information according to the contractual relationship, thereby ensuring that the accounts can be managed through the corresponding contract information, avoiding the problem of high error rate due to maintenance in the prior art, and ensuring that the error rate of the bank account management is low.

[0068] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0069] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the above-mentioned units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0070] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0071] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0072] If the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the above-mentioned methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0073] From the above description, it can be seen that the above embodiments of the present application achieve the following technical effects:

[0074] 1) In the bank account management method of the present application, first, the number of internal accounts of the target bank corresponding to the multiple contract information is determined, and the internal account is the unique identifier of the target bank for fund management; then, the contractual relationship of the multiple contract information is determined based on the number of internal accounts and the multiple account names, and the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship; finally, according to the contractual relationship, the contract information is updated to achieve the management of the account. Compared with the problem of high error rate due to maintenance in the prior art, the bank account management method of the present application, by determining the contractual relationship between the contract information corresponding to the multiple accounts, and then updating the contract information according to the contractual relationship, ensures that the account can be managed through the corresponding contract information, avoids the problem of high error rate due to maintenance in the prior art, and ensures that the error rate of the bank account management is low.

[0075] 2) In the bank account management device of the present application, the number of internal accounts of the target bank corresponding to the multiple contract information is determined by the first determination unit, and the internal account is the unique identifier of the target bank for fund management; the contractual relationship of the multiple contract information is determined by the second determination unit according to the number of internal accounts and the multiple account names, and the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship; the contract information is updated according to the contractual relationship by the update unit to achieve the management of the account. Compared with the problem of high error rate due to maintenance in the prior art, the bank account management device of the present application determines the contractual relationship between the contract information corresponding to the multiple accounts, and then updates the contract information according to the contractual relationship, thereby ensuring that the accounts can be managed through the corresponding contract information, avoiding the problem of high error rate due to maintenance in the prior art, and ensuring a low error rate in the bank account management.

[0076] 3) The electronic device of the present application includes one or more processors, a memory and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, and the one or more programs include methods for executing any of the above methods. Compared with the problem of high error rate due to maintenance in the prior art, the electronic device of the present application determines the contractual relationship between the contract information corresponding to the plurality of accounts, and then updates the contract information according to the contractual relationship, thereby ensuring that the accounts can be managed through the corresponding contract information, avoiding the problem of high error rate due to maintenance in the prior art, and ensuring that the error rate of the bank account management is low.

[0077] The above description is only the preferred embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for bank account management, characterized in that: There are at least two accounts, each of which has corresponding account information and contract information, wherein the contract information includes an account name, an internal account number, a contract status, contract signing and termination information, and product purchase information, and the account information includes an account name, an internal account number, and corresponding fund information. The method includes: Determine the number of internal accounts of the target bank corresponding to the multiple contract information according to the multiple contract information, wherein the internal account is a unique identifier of the target bank for fund management; Determine the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship indicates that the plurality of contract information have a subordinate relationship, and the parallel contractual relationship indicates that the plurality of contract information have common information; According to the contractual relationship, the contract information is updated to achieve management of the account, including account opening and account cancellation. Determining the number of internal accounts of the target bank corresponding to the plurality of contract information according to the plurality of contract information includes: In the case that the internal accounts corresponding to the plurality of contract information are all different, determining that the number of the internal accounts is equal to the number of the contract information; When the internal accounts corresponding to the plurality of contract information are partially identical, it is determined that the number of the internal accounts is less than the number of the contract information.

2. The method according to claim 1, characterized in that Determining the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names includes: In the case where the number of the internal accounts is equal to the number of the contract information, determining whether the multiple account names corresponding to the multiple contract information are the same; When multiple account names are the same, the contractual relationship among the multiple contract information is determined to be the master-slave contractual relationship. The master-slave contractual relationship is determined according to the order in which the multiple contract information are established. The account corresponding to the contract information established first is the master account, and the account corresponding to the contract information established later is the sub-account.

3. The method according to claim 2, characterized in that According to the contractual relationship, the contract information is updated to achieve management of the account, including: In the case where the contractual relationship is the master-slave contractual relationship, the contract information corresponding to the master account is updated synchronously, and the contract information of the sub-account that is the same as that of the master account is updated synchronously.

4. The method according to claim 1, characterized in that: Determining the contractual relationship of the plurality of contract information according to the number of the internal accounts and the plurality of account names includes: When the number of the internal accounts is less than the number of the contract information, the contractual relationship of the multiple contract information corresponding to the same internal account is determined to be the parallel contractual relationship.

5. The method according to any one of claims 1 to 4, characterized in that According to the contractual relationship, the contract information is updated to achieve management of the account, including: In the case where the contractual relationship is the parallel contractual relationship, by updating one of the contract information, other contract information corresponding to the internal account corresponding to the updated contract information is synchronously updated.

6. A bank account management device, characterized in that: There are at least two accounts, each of which has corresponding account information and contract information, wherein the contract information includes an account name, an internal account number, a contract status, contract signing and termination information, and product purchase information, and the account information includes an account name, an internal account number, and corresponding fund information. The device includes: A first determining unit is used to determine the number of internal accounts of the target bank corresponding to the plurality of contract information according to the plurality of contract information, wherein the internal account is a unique identifier of the target bank for fund management; A second determining unit is used to determine a contractual relationship among the plurality of contract information according to the number of the internal accounts and the plurality of account names, wherein the contractual relationship includes a master-slave contractual relationship and a parallel contractual relationship, wherein the master-slave contractual relationship indicates that the plurality of contract information have a subordinate relationship, and the parallel contractual relationship indicates that the plurality of contract information have common information; an updating unit, configured to update the contract information according to the contract relationship to achieve management of the account, wherein the management includes account opening and account cancellation, The first determining unit includes: A first determining module, configured to determine that the number of the internal accounts is equal to the number of the contract information when the internal accounts corresponding to the plurality of contract information are different; The second determining module is used to determine that the number of the internal accounts is less than the number of the contract information when some of the internal accounts corresponding to the plurality of contract information are identical.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored program, wherein the program executes the method of any one of claims 1 to 5.

8. A processor, characterized in that: The processor is used to run a program, wherein the program executes the method according to any one of claims 1 to 5 when running.

9. An electronic device, characterized in that: include: One or more processors, a memory, and one or more programs, wherein the one or more programs are stored in the memory and are configured to be executed by the one or more processors, and the one or more programs include methods for executing any one of claims 1 to 5.

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