Account splitting method, account splitting terminal and account splitting system

Abstract

The present application relates to an account splitting method, an account splitting terminal and an account splitting system. The account splitting method creates a virtual supervision account jointly supervised by Party A, Party B and an account splitting third party, binds the virtual supervision account to Party A's account and Party B's account respectively, splits the balance in the virtual supervision account between Party A's account and Party B's account according to the account splitting ratio, and establishes a relationship of mutual trust between Party A, Party B and the account splitting third party, thereby ensuring that Party B can safely and reliably obtain the balance in the virtual supervision account according to the set account splitting ratio after completing the case task, thereby achieving reasonable account splitting between Party A and Party B under the condition of mutual trust under the mutual supervision of Party A, Party B and the account splitting third party and under the process promotion of the account splitting third party.

Description

Technical Field

[0001] The present application relates to the field of account splitting technology, and in particular to an account splitting method, an account splitting terminal and an account splitting system. Background Art

[0002] Currently, law firms and clients face difficulties in charging fees for litigation and other services.

[0003] Especially with the current risk agency, the parties do not have to pay attorney fees in advance. After the success of the matter, the parties pay the remuneration in the proportion stipulated in the agreement from the property or interests obtained. If they lose the case, they do not need to pay. In practice, risk business has become more common, especially in personal injury compensation cases with relatively large amounts and debt collection cases that have been overdue for many years.

[0004] However, after the case is completed, many disputes and disagreements may arise over the distribution of compensation. For example, the parties may regret the distribution of compensation, the terms of the agency contract between the law firm and the parties are not clear, there are changes in the case, the parties are not satisfied with the law firm's case handling efficiency or service quality, etc., resulting in the law firm being unable to recover the due remuneration. Summary of the invention

[0005] Based on this, it is necessary to provide an account splitting method, an account splitting terminal and an account splitting system to address the problem that law firms are unable to obtain the right to split accounts under the condition of complete mutual trust with the parties, and are unable to achieve reasonable account splitting under the condition of mutual trust with the parties.

[0006] In one aspect, the present application provides a method for splitting accounts, the method comprising:

[0007] Create a virtual supervision account and bind the virtual supervision account to Party A's account and Party B's account respectively;

[0008] Obtain case information and determine the revenue sharing ratio based on the case information;

[0009] When the balance in the virtual supervision account changes, the balance in the virtual supervision account will be divided into Party A's account and Party B's account according to the division ratio.

[0010] On the other hand, the present application also provides an account splitting terminal, the account splitting terminal comprising:

[0011] An agreement signing module, which is used to sign an agreement between multiple parties and agree on a revenue sharing ratio;

[0012] An account splitting module, which is used to execute the account splitting method mentioned above;

[0013] A storage module, used to store case cache data corresponding to each case;

[0014] The database is used to store the historical account entry details and historical account sub-account details of each case.

[0015] On the other hand, the present application also provides an account splitting system, the account splitting system comprising:

[0016] The account splitting terminal is used to execute the account splitting method mentioned above;

[0017] Party A's terminal is connected to the account splitting terminal;

[0018] Party B's terminal is communicatively connected with the account splitting terminal.

[0019] The present application relates to an account splitting method, an account splitting terminal and an account splitting system. The account splitting method creates a virtual supervision account jointly supervised by Party A, Party B and an account splitting third party, binds the virtual supervision account to Party A's account and Party B's account respectively, splits the balance in the virtual supervision account between Party A's account and Party B's account according to the account splitting ratio, and establishes a relationship of mutual trust between Party A, Party B and the account splitting third party, thereby ensuring that Party B can safely and reliably obtain the balance in the virtual supervision account according to the set account splitting ratio after completing the case task, thereby achieving reasonable account splitting between Party A and Party B under the condition of mutual trust under the mutual supervision of Party A, Party B and the account splitting third party and under the process promotion of the account splitting third party. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 A flowchart of a method for splitting accounts provided for an implementation of the present application.

[0021] Figure 2 A schematic diagram of an account splitting terminal provided for an implementation of the present application.

[0022] Figure 3 A schematic diagram of an account splitting system provided for an implementation of the present application.

[0023] Reference numerals

[0024] 100, account splitting terminal; 110, agreement signing module; 120, account splitting module; 130, storage module;

[0025] 140, database; 200, Party A terminal; 300, Party B terminal. DETAILED DESCRIPTION

[0026] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0027] The present application provides a method for splitting accounts.

[0028] It should be noted that the execution subject of the account splitting method provided in this application can be an account splitting terminal of the account splitting third party. The account splitting terminal is integrated with the account splitting platform.

[0029] like Figure 1 As shown, in one embodiment of the present application, the account splitting method includes the following steps:

[0030] S100, the account splitting terminal creates a virtual supervision account, and binds the virtual supervision account to Party A's account and Party B's account respectively.

[0031] S200, the account splitting terminal obtains case information and determines the account splitting ratio according to the case information.

[0032] S300, when the balance in the virtual supervision account changes, the account splitting terminal splits the balance in the virtual supervision account into Party A's account and Party B's account according to the splitting ratio.

[0033] Specifically, in this embodiment, Party A may be the party concerned, and Party B may be the law firm.

[0034] In S100, after creating the virtual supervision account, the account splitting terminal binds the virtual supervision account to the account of Party A. The account splitting terminal also binds the virtual supervision account to the account of Party B. This ensures that the funds split to the account of Party A and the funds split to the account of Party B can flow out normally.

[0035] Before executing S100, you also need to execute:

[0036] S011, the account splitting terminal obtains Party A's identity information.

[0037] Specifically, the party A's identity information may be the party's ID card information, or other information that can prove the party's identity.

[0038] S012, based on Party A's identity information, the account splitting terminal guides Party A's terminal to create Party A's account.

[0039] Specifically, when creating Party A's account based on Party A's information, a recommendation message for creating a Class I card account will be pushed to Party A's terminal. The reason why Party A's account is recommended to use a Class I card account is that Class I card accounts have more functions and greater permissions than Class II card accounts. Class I card accounts have higher or no transaction limits, and in the subsequent account splitting process, the transaction limit of the Class I account will not be exceeded due to the excessive amount of money received, which can improve the efficiency of account splitting and the smoothness of the account splitting process.

[0040] If Party A has already created a Party A account, then S01 to S012 may not be executed and subsequent S021 may be executed directly.

[0041] S021, the account splitting terminal obtains the identity information of Party B.

[0042] Specifically, the Party B identity information is information related to the law firm. The Party B identity information may include a copy of Party B's business license.

[0043] S022, based on the identity information of Party B, the account splitting terminal guides the Party B terminal to create Party B's account.

[0044] Specifically, the Party B account is a public account of the law firm in this embodiment. If the Party B has already created a Party B account, S021 to S022 may not be performed, and the subsequent S100 may be performed directly.

[0045] In this embodiment, a virtual supervision account jointly supervised by Party A, Party B and a third party for account sharing is created, the virtual supervision account is bound to Party A's account and Party B's account respectively, and the balance in the virtual supervision account is divided between Party A's account and Party B's account according to the account sharing ratio, thereby establishing a relationship of mutual trust between Party A, Party B and the third party for account sharing, thereby ensuring that Party B can safely and reliably obtain the balance in the virtual supervision account according to the set account sharing ratio after completing the case task, thereby achieving reasonable account sharing between Party A and Party B under the condition of mutual trust under the mutual supervision of Party A, Party B and the third party for account sharing and driven by the process of the third party for account sharing.

[0046] In one embodiment of the present application, S100 includes the following steps:

[0047] S110, the account splitting terminal pops up an account splitting agreement signing interface, and the account splitting agreement signing interface is used for the account splitting bank and Party B to sign the account splitting agreement.

[0048] S120, after the account splitting agreement is signed, the account splitting terminal retrieves the first type of agreement between the account splitting third party, Party A and Party B.

[0049] S130, the account splitting terminal reads the first type of agreement between the account splitting third party, Party A and Party B, and obtains the whitelist number.

[0050] S140, the account-splitting terminal creates a virtual supervision account according to the whitelist number.

[0051] S150, the virtual supervision account is bound to the account of Party A and the account of Party B respectively. The account of Party A and the account of Party B are both accounts under the account-splitting bank in the account-splitting agreement.

[0052] Specifically, the first type of agreement is an agreement between the third party, Party A and Party B. Although the balance in the virtual supervision account will flow, it will flow through the account-splitting bank corresponding to the virtual supervision account on the account-splitting platform of the third party, so the account-splitting speed is fast and the account-splitting efficiency is high.

[0053] This embodiment is the first account splitting system, which has the characteristics of "strict entry and loose exit". In this account splitting system, it is required that both Party A's account and Party B's account are accounts under the account splitting bank in the account splitting agreement, and the virtual supervision account is also an account under the account splitting bank, but it is supervised by the account splitting third party. When the account splitting bank and Party B sign the account splitting agreement, it is necessary to perform the step of verifying Party B's identity information to improve security. In the subsequent balance splitting process, the account splitting bank no longer performs additional steps to verify any information.

[0054] Since Party B's account and Party A's account are both created under the same sub-account bank, a unique whitelist code can be assigned to each Party B account. For example, the whitelist number corresponding to Law Firm A is 001, and the Party A corresponding to Law Firm A is Client A. Then, a coupling relationship of mutual trust between 001-Law Firm A-Client A-Sub-account third party can be established, thereby ensuring that the wrong account will not be transferred in the subsequent account sub-account process.

[0055] In this embodiment, Party A and Party B create accounts in the same bank, so the split funds only flow within the same bank, which ensures that the balance in the virtual regulatory account flows quickly, thereby improving the split account efficiency.

[0056] In one embodiment of the present application, the S100 further includes:

[0057] S160, the account-separating terminal retrieves the second type of agreement between the account-separating bank, the account-separating third party, Party A and Party B.

[0058] S170, the sub-account terminal creates a virtual supervision account under the sub-account bank.

[0059] S180, the account splitting terminal binds the virtual supervision account to Party A's account and Party B's account respectively.

[0060] Specifically, the second type of agreement is a four-party agreement between the sub-account bank corresponding to the virtual regulatory account, Party A, Party B, and the sub-account third party.

[0061] Since the second type of agreement does not stipulate that the bank corresponding to Party A's account must be the same as the sub-account bank, and does not stipulate that the bank corresponding to Party B's account must be the same as the sub-account bank, Party A's account and Party B's account have more choices and a high degree of freedom.

[0062] This embodiment is a second account separation system. Under this system, it has the characteristics of "loose entry and strict exit". Under this account separation system, it is not required that both Party A's account and Party B's account are accounts under the account separation bank. That is, the bank of Party A's account and the bank of Party B's account can be different from the account separation bank.

[0063] However, under this account splitting system, before splitting the balance in the virtual supervision account to Party A's account and Party B's account according to the splitting ratio, it is necessary to verify the identity information of Party A and Party B to improve security. And this verification step needs to be performed before each account splitting.

[0064] In this embodiment, the accounts of Party A and Party B may not be in the same bank, and may be different banks from the sub-account bank. Compared with the previous embodiment, at least one other bank may be introduced so that the balance in the virtual escrow account needs to flow between the sub-account bank and the bank of Party A's account and the bank of Party B's account. Before each account split, the steps of verifying the identity information of Party A and the identity information of Party B need to be performed, which is relatively slow. However, since the bank for opening Party A's account and the bank for opening Party B's account are not limited, Party A and Party B have more choices, more liberalization and high convenience.

[0065] In one embodiment of the present application, S200 includes the following steps:

[0066] S210, the account splitting terminal obtains case information and defines the case type according to the case information.

[0067] Specifically, case types can be divided into criminal cases, civil cases, administrative cases and economic cases, and the distribution ratio varies according to different case types.

[0068] S220, the account splitting terminal sets the estimated revenue amount and account splitting ratio of the case.

[0069] In this embodiment, by obtaining case information to classify case types, different case types can have different billing ratios, and there is no need to manually read the case information and then set the billing ratio. Different billing ratios can be automatically assigned to different cases. For example, the billing ratio of criminal cases is generally higher than that of civil cases.

[0070] In one embodiment of the present application, when the balance in the virtual supervision account changes, after the balance in the virtual supervision account is divided into the Party A account and the Party B account according to the division ratio, the division method further includes:

[0071] S410, the account sharing terminal determines whether the actual account sharing amount of Party B is greater than the account sharing amount of Party B calculated according to the account sharing ratio.

[0072] S420: If the actual share amount of Party B is greater than the share amount of Party B calculated based on the share ratio, the share terminal will pop up a prompt window for uploading the certification document.

[0073] Specifically, during the actual case handling process, Party A's law firm will advance part of the fees, or the case will change and some fees will be incurred in the middle, which will lead to a discrepancy between the final actual share amount and the share amount theoretically stipulated in the agreement.

[0074] Therefore, in order to avoid the risk of money laundering, if the actual amount of the account split by Party B is greater than the amount of the account split agreed in the agreement, the law firm needs to upload a document proving the risk of tax evasion, money laundering and other illegal activities before the account split, for subsequent inspection by relevant departments. Therefore, in S420, a prompt window for uploading the document pops up for Party B's terminal to upload the document. The document at least includes the text of the reason for the account split stated by Party B and the text of the evidence on which the account split is based.

[0075] In S300, the account splitting terminal calculates the amount to be split into Party A's account and the amount to be split into Party B's account according to the account splitting ratio.

[0076] After the account splitting terminal calculates the amount to be split into Party A's account and the amount to be split into Party B's account, the account splitting terminal initiates a transfer application to the account splitting bank, and the account splitting bank automatically transfers the amount to be split into Party A's account to Party A's account, and transfers the amount to be split into Party B's account to Party B's account.

[0077] For example, if the estimated amount of the case is 1 million, the balance in the virtual supervision account is also 1 million, and the account splitting ratio is 8:2, then the amount received by Party A's account is 800,000, and the amount received by Party B's account is 200,000, and the balance in the virtual supervision account changes from 1 million to 0.

[0078] In one embodiment of the present application, the S300 includes:

[0079] S310, the account splitting terminal determines whether there is any change in the balance in the virtual supervision account.

[0080] S320: If the balance in the virtual supervision account changes, the account splitting terminal sends a first notification message to the Party B terminal.

[0081] Specifically, the first notification message may be a text message. The terminal of Party B may be informed by text message notification that the balance in the virtual supervision account has changed and it is necessary to confirm whether Party A agrees to split the account.

[0082] S330, the account splitting terminal determines whether it has received the account splitting consent message sent by the Party B terminal.

[0083] Specifically, if you receive a text message from Party A indicating that Party A agrees to split the account, it means that Party A agrees to split the account. You can then upload the text content of the text message indicating that Party A agrees to split the account as evidence.

[0084] S340: If the account splitting terminal receives the account splitting consent message sent by the party B terminal, the account splitting terminal sends a second notification message to the party A terminal.

[0085] S350: If the account splitting agreement message sent by Party A's terminal is received, the account splitting terminal will split the balance in the virtual supervision account into Party A's account and Party B's account according to the account splitting ratio.

[0086] Specifically, the second notification message may also be a text message. Whether Party A agrees to split the account may be confirmed by sending a text message containing a text message verification code, and the specific steps are as follows S341 to S344:

[0087] S341, the account splitting terminal sends an account splitting confirmation message to the terminal of Party A. The account splitting confirmation message includes a verification code.

[0088] Specifically, the confirmation of account splitting information may be the following text: Please ask Party B whether he agrees to account splitting. If he agrees to account splitting, please reply with a verification code, which is QNMT.

[0089] S342, the account splitting terminal determines whether the verification code returned by Party A's terminal is correct.

[0090] S343, if the verification code returned by Party A's terminal is correct, Party A has confirmed the account splitting, and then the balance in the virtual supervision account will be split into Party A's account and Party B's account according to the account splitting ratio.

[0091] S344, if the verification code returned by Party A's terminal is incorrect, Party A has not confirmed the account splitting, and the subsequent steps are terminated.

[0092] In this embodiment, when the compensation reaches the virtual supervision account, the balance of the virtual supervision account will change, and judging whether the balance in the virtual supervision account has changed is used as a criterion for whether to execute subsequent steps.

[0093] In this embodiment, two confirmation steps are performed to ensure that both Party A and Party B are aware of and agree to the account splitting, thereby ensuring the fairness and legality of the account splitting.

[0094] After the balance in the virtual supervision account reaches the virtual supervision account, this embodiment first notifies Party B that there is a change in the balance in the virtual supervision account, and then Party B can initiate whether to confirm the account split, thereby making Party B more proactive in account splitting to protect Party B's rights and interests.

[0095] Since Party B is the party that initiates the account splitting, it can be considered that Party B agrees to the account splitting. After Party B initiates the confirmation of the account splitting, it is still necessary to determine whether Party A agrees to the account splitting. Only when both Party A and Party B agree to the account splitting can the balance in the virtual supervisory account be transferred to Party A's account and Party B's account respectively according to the account splitting ratio. Therefore, this embodiment embodies the advantage of mutual trust among the account splitting third party, Party A and Party B.

[0096] In one embodiment of the present application, the account splitting method further includes:

[0097] S510, the account splitting terminal determines in real time whether a request to read the case cache data is received.

[0098] S520: If a request for reading case cache data is received, the account splitting terminal parses the case information of the current case in the request for reading case cache data.

[0099] S530, the account splitting terminal determines whether there is case cache data in the case cache space corresponding to the current case based on the case information of the current case.

[0100] S531, if there is no case cache data in the case cache space corresponding to the current case, the account splitting terminal creates the case cache data, and retrieves the historical account entry details and historical account splitting details corresponding to the current case from the database as part of the case cache data, and writes them into the case cache space corresponding to the current case.

[0101] S532, the account splitting terminal reads the balance in the virtual supervision account, and writes the balance in the virtual supervision account into the case cache space corresponding to the current case.

[0102] S540, the account splitting terminal determines whether there is previous account splitting return cache data in the previous account splitting return cache space corresponding to the current case.

[0103] S550, if the previous account splitting return cache data does not exist in the previous account splitting return cache space corresponding to the current case, the account splitting terminal further determines whether there is an un-divided account entry detail in the historical account entry details corresponding to the current case.

[0104] S551, if there is no un-separated account entry detail in the historical account entry details corresponding to the current case, return to S510.

[0105] Specifically, it should be noted that all steps of this embodiment are executed independently of S100 to S300 , that is, all steps of this embodiment are performed asynchronously relative to S100 to S300 .

[0106] The account splitting terminal is provided with a storage module, and the storage module is provided with two storage spaces for each case, one storage space is a case cache space, which is used to store case cache data. The other storage space is a previous account splitting return cache space, which is used to store the previous account splitting return cache data. The previous account splitting return cache data can be understood as the relevant information of the abnormal amount.

[0107] S510 can be understood as being triggered when the third party performs regular query operations on the account splitting terminal for each case data. Once a request to read case cache data is received, S530 will be executed to determine whether case cache data exists in the case cache space corresponding to the current case. If no request to read case cache data is received, return to S510 to continue monitoring the receipt of the request to read case cache data.

[0108] If there is no case cache data in the case cache space corresponding to the current case, S531a to S531b are executed, and the account splitting terminal creates the case cache data.

[0109] If case cache data exists in the case cache space corresponding to the current case, S540 is directly executed.

[0110] In S550, the accounting terminal may retrieve the historical accounting details corresponding to the current case stored in the database to determine whether there are any un-accounted accounting details in the historical accounting details corresponding to the current case.

[0111] In S551, if there are no unseparated account details in the historical account details corresponding to the current case, it means that there is no refund of funds from Party A's account or Party B's account (of course, there may be other abnormal situations. For the sake of convenience, the two most common situations are listed here).

[0112] The details of undivided accounts include the account information of the funds that should have been divided but now flowed back to the virtual account, or the account information of the funds that were not divided but successfully flowed back to the virtual account due to system or network problems. Of course, there are other similar situations, which will not be described one by one this time.

[0113] In one embodiment of the present application, after S550, that is, after the account splitting terminal determines whether there are un-divided account entry details in the historical account entry details corresponding to the current case, the following further includes:

[0114] S552: If there are un-divided account details in the historical account details corresponding to the current case, the accounting terminal calculates the amount returned from the previous account division.

[0115] S553, determine whether there is any previous account split return amount in the current case.

[0116] S554, if there is a previous account splitting return amount in the current case, the account splitting terminal writes the previous account splitting return amount into the case cache data, and writes the previous account splitting return amount as the previous account splitting return cache data corresponding to the current case into the previous account splitting return cache space corresponding to the current case.

[0117] S560, the account splitting terminal starts the account splitting panel and calculates the account splitting panel data.

[0118] S570, the account splitting terminal pops up the account splitting panel interface.

[0119] Specifically, the calculation of the previous account split refund amount in S552 may include:

[0120] S552a, the accounting terminal retrieves the entry details, and determines whether there is an entry record of Party A's account in the historical entry details.

[0121] S552b, if there is an entry record of Party A's account in the historical entry details, the account splitting terminal uses the entry amount in the entry record of Party A's account as the refund amount of the previous account splitting.

[0122] Since the act of returning Party A's account to the virtual sub-account will generate an entry record, the amount of the previous sub-account return can be determined by retrieving the historical entry details of the virtual sub-account.

[0123] S553 records the abnormal amount by double writing the amount returned in the previous account split into two cache spaces.

[0124] In S560 and S570, the account splitting panel can generate account splitting panel data and pop up the account splitting panel interface. Specifically, the account splitting panel interface can be set with a first display area and a second display area. The first display area is used to display whether there is any situation of the previous account splitting return amount, and the second display area is used to display the specific number of the previous account splitting return amount.

[0125] In one embodiment of the present application, the S560, i.e. the account splitting terminal starts the account splitting panel, and the account splitting panel data is calculated, including:

[0126] S561, the account splitting terminal starts the account splitting panel to determine whether there is any refund amount from the previous account splitting in the current case.

[0127] S562: If there is no previous account splitting return amount in the current case, the account splitting terminal will use the balance of the virtual supervision account as the account splitting amount and generate account splitting panel data based on the account splitting ratio.

[0128] S563, the account splitting terminal writes the account splitting panel data as part of the case cache data into the case cache space corresponding to the current case.

[0129] Specifically, the account splitting panel data generated in S562 at least includes the specific amount distributed to Party A's account, the specific amount distributed to Party B's account, and the account splitting timestamp. S563 is the process of updating the account splitting panel data into the case cache data.

[0130] In addition, the account splitting terminal also writes the account splitting panel data into the historical account splitting details in the database, so that the account splitting situation can be retained in the database.

[0131] The S560 further includes:

[0132] S564: If there is a previous account splitting return amount in the current case, the account splitting terminal calculates the difference between the virtual supervision account balance and the previous account splitting return amount, uses the difference as the account splitting amount, generates account splitting panel data based on the account splitting ratio, and executes subsequent S563.

[0133] Specifically, if there is a previous split refund amount in the current case, the difference between the calculated virtual supervision account balance and the previous split refund amount can be subtracted and the difference can be used as the split amount. In this case, the virtual supervision account balance will be credited with case compensation multiple times. If there is a previous split refund amount, mixing them together will cause confusion. In this case, the difference between the virtual supervision account balance and the previous split refund amount will be separately split. The previous split refund amount can be split again when the entire split process is executed again after the abnormal Party A account or Party B account returns to normal.

[0134] In one embodiment of the present application, S300, i.e. the account splitting terminal splits the balance in the virtual supervision account into the account of Party A and the account of Party B according to the account splitting ratio, includes:

[0135] S390, when receiving a click operation of the confirm account splitting button on the account splitting panel interface, the account splitting terminal splits the balance in the virtual supervision account into Party A's account and Party B's account based on the account splitting panel data.

[0136] Specifically, the account splitting panel interface has an account splitting button. When receiving a click operation of confirming the account splitting button of the account splitting panel interface, the account splitting terminal executes the account splitting operation.

[0137] In one embodiment of the present application, after each account splitting is completed, that is, after 300, the account splitting method further includes:

[0138] S610, determining whether there is previous account splitting return cache data corresponding to the current case in the previous account splitting return cache space corresponding to the current case.

[0139] S620: If the previous account splitting return cache data corresponding to the current case exists in the previous account splitting return cache space corresponding to the current case, the previous account splitting return cache data corresponding to the current case is written into the historical account splitting details.

[0140] S630, deleting all data in the previous account splitting and returning cache space corresponding to the current case.

[0141] S640, return to S510.

[0142] Specifically, this step is to delete all data in the cache space returned from the previous account division corresponding to the current case after each account division, thereby saving the overall cache space of the storage module and alleviating storage pressure.

[0143] In one embodiment of the present application, after S540, the method further includes:

[0144] S581, if the previous account splitting return cache data exists in the previous account splitting return cache space corresponding to the current case, directly execute S553.

[0145] Specifically, it is to determine whether there is a previous split account return amount in the current case. In this way, if there is a new situation where another Party A account or Party B account returns to the virtual monitoring account, the double write in S554 can be performed later to update the case cache data and the previous split account return cache data.

[0146] There is also an optional implementation below.

[0147] In one embodiment of the present application, the account splitting method further includes:

[0148] S710, determining whether the virtual supervision account balance is consistent with the real-time bank balance associated with the virtual supervision account.

[0149] S720: If the virtual supervision account balance is inconsistent with the real-time balance of the bank associated with the virtual supervision account, all data in the case cache space will be deleted after all account splitting processes from the current system time are completed.

[0150] Specifically, this embodiment is an implementation method for changing the balance in a virtual supervision account. Since there is a certain delay in the receipt of compensation for legal services, there will be inconsistencies between the balance of the virtual supervision account and the real-time balance of the bank associated with the virtual supervision account. For example, the real-time balance of the bank associated with the virtual supervision account is 2 million yuan, which is actually received, but the virtual supervision account has not yet shown the receipt, and the balance in the virtual supervision account is still 0. At this time, since the last account splitting process may not have been completed, after the last account splitting process is completed, that is, after waiting for all major case data changes to be completed, all data in the case cache space will be deleted.

[0151] Deleting all data in the case cache space is beneficial for regularly cleaning up the case cache space and reducing the storage pressure of the storage module. On the other hand, it will drive the creation of new case cache data (of course, the step of creating case cache data is triggered only after receiving a request to read the case cache data). When processing new account splitting operations, reading and writing data from the case cache space is faster, and the database saves historical account entry details and historical account splitting details, and key information will not be lost.

[0152] The present application also provides an account splitting terminal 100. For the sake of brevity, the terminals and devices with the same nouns in the embodiment of the account splitting terminal 100 and the embodiment of the aforementioned account splitting method are uniformly numbered in the embodiment of the account splitting terminal 100, but not in the embodiment of the aforementioned account splitting method.

[0153] like Figure 2 As shown, in one embodiment of the present application, the account splitting terminal 100 includes a protocol signing module 110 , an account splitting module 120 , a storage module 130 and a database 140 .

[0154] The agreement signing module 110 is used to sign an agreement between multiple parties and agree on the account splitting ratio. The account splitting module 120 is used to execute the account splitting method mentioned in any of the above embodiments. The storage module 130 is used to store the case cache data corresponding to each case. The database 140 is used to store the historical account entry details and historical account splitting details of each case.

[0155] The present application also provides an account splitting system. For the sake of brevity, the terminals and devices with the same nouns in the embodiment of the account splitting system and the embodiment of the aforementioned account splitting method are uniformly numbered in the embodiment of the account splitting system, and are not numbered in the embodiment of the aforementioned account splitting method.

[0156] like Figure 3 As shown, in one embodiment of the present application, an account splitting system is provided, and the account splitting system includes an account splitting terminal 100, a Party A terminal 200, and a Party B terminal 300.

[0157] The account splitting terminal 100 is used to execute the account splitting method mentioned in any of the above embodiments. The Party A terminal 200 is connected to the account splitting terminal 100 in communication. The Party B terminal 300 is connected to the account splitting terminal 100 in communication.

[0158] Specifically, Party A in this application may be the party concerned, and Party B may be the law firm.

[0159] In this embodiment, Party A, Party B and the third party for account sharing can complete the account sharing through the account sharing system described in this application, so that the third party for account sharing can obtain the right to account sharing under the condition of complete mutual trust between Party A and Party B, thereby realizing reasonable account sharing under the condition of mutual trust between Party A and Party B.

[0160] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for splitting accounts, characterized in that: The account splitting method includes: Create a virtual supervision account and bind the virtual supervision account to Party A's account and Party B's account respectively; Obtain case information and determine the revenue sharing ratio based on the case information; When the balance in the virtual supervision account changes, the balance in the virtual supervision account will be divided into Party A's account and Party B's account according to the division ratio; The account splitting terminal determines whether the actual account splitting amount of Party B is greater than the account splitting amount of Party B calculated based on the account splitting ratio; If the actual amount of Party B's share is greater than the amount of Party B's share calculated based on the share ratio, the share terminal will pop up a prompt window to upload the certification document; When the balance in the virtual supervision account changes, the balance in the virtual supervision account is divided into Party A's account and Party B's account according to the division ratio, and further includes: Determine in real time whether a request to read case cache data has been received; If a request to read case cache data is received, parsing case information of the current case in the request to read case cache data; Based on the case information of the current case, determine whether there is case cache data in the case cache space corresponding to the current case; If case cache data exists in the case cache space corresponding to the current case, determine whether there is previous account split return cache data in the previous account split return cache space corresponding to the current case; If the previous account splitting return cache data does not exist in the previous account splitting return cache space corresponding to the current case, further determine whether there is an un-separated account entry detail in the historical account entry details corresponding to the current case; If there are undivided account details in the historical account details corresponding to the current case, the refund amount of the previous account division is calculated; Determine whether there is any refund amount from the previous account split in the current case; If the current case has a previous account return amount, the previous account return amount is written into the case cache data, and the previous account return amount is written into the previous account return cache space corresponding to the current case as the previous account return cache data corresponding to the current case; Start the account splitting panel and calculate the account splitting panel data; The account splitting panel interface pops up; Start the account split panel and calculate the account split panel data including: Start the account splitting panel to determine whether there is any refund amount from the previous account splitting in the current case; If there is a previous split-account return amount in the current case, calculate the difference between the virtual supervision account balance and the previous split-account return amount, use the difference as the split-account amount, and generate split-account panel data based on the split-account ratio; Write the account panel data as part of the case cache data into the case cache space corresponding to the current case; If the previous account splitting return cache data exists in the previous account splitting return cache space corresponding to the current case, the determination of whether there is a previous account splitting return amount for the current case is directly executed.

2. The account splitting method according to claim 1, characterized in that: The creation of a virtual supervision account and binding the virtual supervision account to Party A's account and Party B's account respectively include: The account splitting agreement signing interface pops up, and the account splitting agreement signing interface is used by the account splitting bank and Party B to sign the account splitting agreement; After the account-sharing agreement is signed, retrieve the first category agreement between the account-sharing third party, Party A and Party B; Read the first type of agreement between the third party, Party A and Party B, and obtain the whitelist number; Create a virtual regulatory account based on the whitelist number; The virtual supervision account is bound to Party A's account and Party B's account respectively; the Party A's account and Party B's account are both accounts under the sub-account bank in the sub-account agreement.

3. The account splitting method according to claim 1, characterized in that: The creation of a virtual supervision account and binding the virtual supervision account to Party A's account and Party B's account respectively include: Retrieve the second type of agreement between the account-sharing bank, the account-sharing third party, Party A and Party B; Create a virtual custodial account under the sub-account bank; Bind the virtual supervision account to Party A's account and Party B's account respectively.

4. The account splitting method according to claim 2 or 3, characterized in that: When the balance in the virtual supervision account changes, the balance in the virtual supervision account will be divided into Party A's account and Party B's account according to the division ratio, including: Determine whether there is any change in the balance in the virtual regulatory account; If there is a change in the balance in the virtual supervision account, a first notification message is sent to Party B's terminal; Determine whether a message of agreeing to split the account sent by Party B's terminal is received; If a message of agreement to split the account is received from the terminal of Party B, a second notification message is sent to the terminal of Party A; Determine whether a message of agreeing to split the account is received from Party A's terminal; If a message of agreement to split the accounts is received from Party A's terminal, the balance in the virtual supervision account will be split into Party A's account and Party B's account according to the split ratio.

5. The account splitting method according to claim 4, characterized in that: When the balance in the virtual supervision account changes, the balance in the virtual supervision account is divided into Party A's account and Party B's account according to the division ratio, and further includes: If the case cache data does not exist in the case cache space corresponding to the current case, the case cache data is created, and the historical account entry details and historical account sub-account details corresponding to the current case are retrieved from the database as part of the case cache data and written into the case cache space corresponding to the current case; Read the balance in the virtual supervision account, and write the balance in the virtual supervision account into the case cache space corresponding to the current case; Determine whether there is cache data of previous account splitting return in the cache space of previous account splitting return corresponding to the current case; If the previous account splitting return cache data does not exist in the previous account splitting return cache space corresponding to the current case, further determine whether there are un-split account entry details in the historical account entry details corresponding to the current case; If there is no unseparated account entry detail in the historical account entry details corresponding to the current case, the real-time determination of whether a request to read the cache is received is returned.

6. The account splitting method according to claim 5, characterized in that: The starting of the account splitting panel and calculation of the account splitting panel data further include: If there is no previous split-account return amount in the current case, the balance of the virtual supervision account will be used as the split-account amount, and the split-account panel data will be generated based on the split-account ratio; The account panel data is written into the case cache space corresponding to the current case as part of the case cache data.

7. The account splitting method according to claim 6, characterized in that: The said splitting of the balance in the virtual supervision account to Party A's account and Party B's account according to the splitting ratio includes: When a click operation of the confirm account splitting button on the account splitting panel interface is received, the balance in the virtual supervision account is split into Party A's account and Party B's account based on the account splitting panel data.

8. An account splitting terminal, characterized in that: The account splitting terminal comprises: An agreement signing module, which is used to sign an agreement between multiple parties and agree on a revenue sharing ratio; An account splitting module, the account splitting module being used to execute the account splitting method according to any one of claims 1 to 7; A storage module, used to store case cache data corresponding to each case; The database is used to store the historical account entry details and historical account sub-account details of each case.

9. A split account system, characterized in that: The account splitting system comprises: An account splitting terminal, used for executing the account splitting method according to any one of claims 1 to 7; Party A's terminal is connected to the account splitting terminal; Party B's terminal is communicatively connected with the account splitting terminal.

Images