Account conversion method and device, equipment, readable storage medium and program product

Abstract

The invention relates to the technical field of big data, and particularly discloses an account conversion method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: determining a plurality of target cash households to be processed, and adding the target cash households to a change list; respectively acquiring account types of the target cash owners; determining a management strategy of an account service according to the account type of the target cash account; the management strategy of the account business is used for indicating business rules of all account businesses of the target cash account; based on the change list, automatically converting the target cash households into convergent households in batches to obtain converted convergent households; and according to the management strategy of the account business, changing the converted business rule of the convergent account, so that the converted convergent account is compatible with the business rule of the cash account. Therefore, the conversion efficiency of the account can be remarkably improved, a foundation is laid for integrated management of the cash account and the exchange account, the management process of the private deposit account and the private debit card account is optimized, and the risk during business processing is reduced.

Description

Technical Field

[0001] The present application relates to the field of big data technology, and in particular to an account conversion method, apparatus, computer equipment, computer-readable storage medium, and computer program product. Background Art

[0002] Since foreign currency cash has storage and transportation costs, the value of cash of the same amount is higher than the value of foreign exchange, so banking institutions generally divide personal foreign currency accounts into cash accounts and foreign exchange accounts. However, this method of distinguishing foreign currency accounts often requires customers to merge funds in cash and foreign exchange accounts when handling foreign currency wealth management products, cross-border remittances and other businesses, which greatly increases the complexity and risk of business processing. In order to meet the demands of the majority of users to manage cash accounts and foreign exchange accounts in a unified manner, banking institutions currently provide a service to convert cash accounts into foreign exchange accounts for unified management, that is, manually converting the accounts of users who make requests, and adaptively modifying the converted account transaction rules based on different account types. This makes it convenient for banking institutions to manage accounts without affecting user use.

[0003] However, the current account conversion method is very complicated to operate, requires a lot of labor costs, has low account conversion efficiency, and is prone to errors. Summary of the invention

[0004] Based on this, it is necessary to provide an account conversion method, device, computer equipment, computer-readable storage medium and computer program product that can improve account conversion efficiency and reduce error rate in response to the above technical problems.

[0005] In a first aspect, the present application provides an account conversion method, comprising:

[0006] Determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0007] Respectively obtain the account types of the target banknote holders, the account types including: private deposit accounts and private debit card accounts;

[0008] Determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account;

[0009] Automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts;

[0010] According to the management strategy of the account business, the business rules of the converted remittance account are changed so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0011] In one embodiment, determining a plurality of target banknote accounts to be processed includes:

[0012] Receiving multiple account conversion requests from a user and / or a server;

[0013] According to the account conversion request, a target banknote account to be processed is determined.

[0014] In one embodiment, the determining of the management strategy of the account service according to the account type of the target banknote account includes:

[0015] When the target cash account is a private deposit account, management strategies for financial transaction services, maintenance transaction services, and contract-related services are determined respectively; wherein:

[0016] The management strategy of the financial transaction business includes at least one of: a deposit strategy and a withdrawal strategy for current transactions, a deposit strategy and a withdrawal strategy for periodic transactions, and a strategy for business product parameters;

[0017] The management strategy of the maintenance transaction business includes at least one of a freezing strategy, a deduction strategy, an unfreezing strategy, and a foreign currency account restriction strategy;

[0018] The management strategy of the contract-related business includes: a contract strategy for converting current deposits to fixed deposits of foreign currency banknote accounts, and / or a stock processing strategy.

[0019] In one embodiment, before automatically converting the target banknote accounts into remittance accounts in batches based on the change list, the method further includes:

[0020] Determine whether the current status of the target banknote account is a preset status. If so, remove the target banknote account from the change list; wherein the preset status includes: any one of a business freeze status, a judicial freeze status, and an immobile account status.

[0021] In one embodiment, the determining of the management strategy of the account service according to the account type of the target banknote account includes:

[0022] When the target cash account is a personal debit card account, management strategies for financial transaction services, contract services, and fee-based services are determined respectively; wherein:

[0023] The management strategy of the financial transaction business includes: a strategy for opening a foreign currency account, a deposit strategy and a withdrawal strategy for current transactions, and at least one of a deposit strategy and a withdrawal strategy for fixed-term transactions;

[0024] The management strategy of the contract-related business includes: the contract-related strategy for foreign currency account holders;

[0025] The management strategy of the fee-charging business includes: foreign currency charging strategy.

[0026] In one embodiment, when the account type of the target cash account is a personal debit card account, the method further includes:

[0027] Determine the card type of the personal debit card account;

[0028] Determine a fund management strategy based on the card type of the personal debit card account, wherein the fund management strategy includes at least one of the following:

[0029] strategies for freezing and unfreezing authorizations;

[0030] Liquidation trading strategies;

[0031] Fee deduction strategy;

[0032] Adjust account and deduction strategy.

[0033] In one embodiment, after automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain the converted remittance accounts, the method further includes:

[0034] According to the fund management strategy, the fund management rules of the converted remittance account are changed.

[0035] In a second aspect, the present application also provides an account conversion device, comprising:

[0036] A first determination module is used to determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0037] An acquisition module is used to respectively acquire the account types of the target banknote holders, wherein the account types include: a private deposit account and a private debit card account;

[0038] The second determination module is used to determine the management strategy of the account business according to the account type of the target banknote account, wherein the account business includes at least one of financial transaction business, maintenance transaction business, contract business, and fee-based business; the management strategy of the account business is used to indicate the business rules of each account business of the target banknote account;

[0039] A conversion module, used for automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts;

[0040] The changing module is used to change the business rules of the converted remittance account according to the management strategy of the account business, so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0041] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0042] Determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0043] Respectively obtain the account types of the target banknote holders, the account types including: private deposit accounts and private debit card accounts;

[0044] Determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account;

[0045] Automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts;

[0046] According to the management strategy of the account business, the business rules of the converted remittance account are changed so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0047] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0048] Determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0049] Respectively obtain the account types of the target banknote holders, the account types including: private deposit accounts and private debit card accounts;

[0050] Determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account;

[0051] Automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts;

[0052] According to the management strategy of the account business, the business rules of the converted remittance account are changed so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0053] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0054] Determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0055] Respectively obtain the account types of the target banknote holders, the account types including: private deposit accounts and private debit card accounts;

[0056] Determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account;

[0057] Automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts;

[0058] According to the management strategy of the account business, the business rules of the converted remittance account are changed so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0059] The above-mentioned account conversion method, device, computer equipment, computer-readable storage medium and computer program product, by determining multiple target banknote accounts to be processed and adding the target banknote accounts to the change list, can provide convenience for subsequent batch automatic conversion of account types. By respectively obtaining the account types of the target banknote accounts, the account types include: private deposit accounts and private debit card accounts; so that targeted management strategies can be set for different account types. By determining the management strategy of account services according to the account type of the target banknote account, wherein the account services include: at least one of financial transaction services, maintenance transaction services, contract services, and fee-based services; the management strategy of account services is used to indicate the business rules of each account service of the target banknote account; so that a one-to-one matching management strategy can be established for complex and diverse services, and the user's use is not affected after the account conversion is realized. By automatically converting the target banknote accounts into remittance accounts in batches based on the change list, the converted remittance accounts are obtained; so that the efficiency of account conversion can be greatly improved and errors introduced by manual intervention can be avoided. By changing the business rules of the converted remittance account according to the management strategy of the account business, the converted remittance account is compatible with the business rules of each account business of the target cash account, thereby significantly improving the conversion efficiency of the account, laying a foundation for the integrated management of cash accounts and remittance accounts, optimizing the management process of private deposits and private debit card accounts, and reducing the risks in business processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0060] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0061] FIG1 is a diagram of an application environment of an account conversion method in one embodiment;

[0062] Figure 2 A flowchart of an account conversion method in one embodiment;

[0063] FIG3 is a flow chart of an account conversion method in another embodiment;

[0064] Figure 4 A flowchart of an account conversion method in another embodiment;

[0065] FIG5 is a structural block diagram of an account conversion device in one embodiment;

[0066] FIG6 is a structural block diagram of an account conversion device in another embodiment;

[0067] FIG. 7 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0068] In order to make the purpose, technical solutions and advantages of the present application clearer, 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. It should be noted that in the embodiments of the present application, certain software, groups, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0069] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with relevant provisions of national laws and regulations.

[0070] The account conversion method provided in the embodiment of the present application can be applied in the application environment shown in FIG1 . Among them, the terminal device 101 communicates with the server 103 and the computer cluster 104 through the control device 102, and the server 103 can directly communicate with the computer cluster 104. Some computers in the computer cluster 104 serve as a buffer pool 105, and some computers serve as a database system 106. Exemplarily, the control device 102 can be a transfer device such as a switch. The buffer pool 105 and the database system 106 in the computer cluster 104 can also realize the function of a server, which is used to process and store the data uploaded by the terminal device 101 and the server 103. Exemplarily, the server 103 determines multiple target banknote accounts to be processed, and adds the target banknote accounts to the change list; obtains the account types of the target banknote accounts respectively, and the account types include: private deposit accounts and private debit card accounts; determines the management strategy of the account business according to the account type of the target banknote account, wherein the account business includes: at least one of financial transaction business, maintenance transaction business, contract business, and fee-based business; automatically batch converts the target banknote accounts into remittance accounts based on the change list to obtain the converted remittance accounts; according to the management strategy of the account business, changes the business rules of the converted remittance accounts. Among them, the terminal device 101 can be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices, and the Internet of Things devices can be smart TVs, smart car-mounted devices, projection devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. Head-mounted devices can be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. The server 103 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services.

[0071] In an exemplary embodiment, Figure 2 As shown, an account conversion method is provided, which is described by taking the method applied to the server in FIG. 1 as an example, and includes the following steps 201 to 205. Among them:

[0072] Step 201, determine multiple target banknote accounts to be processed, and add the target banknote accounts to the change list.

[0073] Among them, a cash account is a type of account opened for foreign currencies, which can be used to deposit and withdraw foreign currency cash, exchange RMB and other currencies, etc. A remittance account is a remittance account, which can be used to withdraw foreign currency cash, exchange RMB and other currencies, and make remittances. In simple terms, a cash account cannot make remittances, and a remittance account cannot deposit cash. Its source of funds is only to receive remittances. Overseas remittances do not actually require the flow of cash, but are only numbers on interbank accounts; while the funds in a cash account all involve the storage, transportation, and escort of cash, so the bank has to deduct the corresponding fees when converting cash into RMB, which is reflected in the lower exchange rate. It is precisely because of the separate management of cash accounts and remittance accounts that the complexity of banking institutions' fund management and other businesses has increased. With the diversified development of business types, the operational risks brought about by the difference between cash and remittance have also increased.

[0074] In order to improve the efficiency of funds management of banking institutions and reduce the operational risks brought about by the difference between cash and foreign exchange, it is very necessary to realize the integrated management needs of cash and foreign exchange.

[0075] In step 201, in conjunction with the application scenario shown in Figure 1, the terminal device may initiate an account conversion request, and the server may determine multiple target banknote accounts to be processed based on the received account conversion request, and add the target banknote accounts to the change list. Exemplarily, after centrally collecting the user's consent for account conversion, the server may initiate multiple account conversion requests, and use the accounts corresponding to the multiple account conversion requests as target banknote accounts.

[0076] Step 202, respectively obtain the account type of the target bank account.

[0077] Among them, the account types include: private deposit accounts and private debit card accounts. Private deposits refer to deposits formed by individuals depositing funds into banks or other financial institutions in personal accounts. Private deposits are relative to public deposits, and their main feature is personal savings behavior. Debit cards are a payment tool provided by commercial banks, which have the characteristics of simple application, numerous functions, deposit first and then use, and no overdraft function. It is mainly used for cash deposits, remittances, card consumption, collection and payment on behalf of others, etc. A debit card is a bank card that the cardholder uses after depositing money.

[0078] In step 202, the target bank account holder's account type is classified in order to adaptively adjust the management strategy corresponding to the account business when the account is subsequently converted.

[0079] Step 203, determining the management strategy of the account business according to the account type of the target bank account.

[0080] The account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account.

[0081] In an optional implementation, when the account type of the target cash account is a private deposit account, management strategies for financial transaction services, maintenance transaction services, and contract-related services are determined respectively; wherein: the management strategies for the financial transaction services include: deposit strategies and withdrawal strategies for current transactions, deposit strategies and withdrawal strategies for periodic transactions, and at least one of strategies for business product parameters; the management strategies for the maintenance transaction services include: at least one of a freezing strategy, a deduction strategy, an unfreezing strategy, and a foreign currency cash account restriction strategy; the management strategies for the contract-related services include: a foreign currency cash account current account to periodic contract-related contract strategy, and / or an inventory processing strategy.

[0082] Exemplary deposit and withdrawal strategies for current transactions may include:

[0083] 1) Deposit restrictions: It is forbidden to open new current foreign currency banknote accounts. If a banknote account is encountered during deposit, an error message will be displayed. Fixed-term transfers only support remittance accounts.

[0084] 2) Withdrawal processing: When cash accounts make withdrawals, they will be prompted with insufficient balance, blocking the outflow of funds for non-remittance accounts.

[0085] In this embodiment, the deposit and withdrawal process is standardized to ensure transaction compliance and fund security. When depositing funds into a current account, it is prohibited to open a current foreign currency banknote account and cancel the cash account attribute. When trying to deposit funds into a current banknote account, the transaction will report an error (the specific error content needs to be clarified by the business department). Fixed-to-current transactions only support transfers to current remittance accounts. When a current banknote account withdraws funds (ordinary withdrawals), the transaction will report an error "Insufficient available balance".

[0086] Exemplary deposit and withdrawal strategies for regular transactions may include:

[0087] 1) Deposit management: It is forbidden to open new fixed-term foreign currency banknote accounts. Deposits can continue to be made to existing banknote accounts. New accounts that attempt to deposit into banknote accounts will receive an error message. Fixed-term to fixed-term transactions only support remittance accounts.

[0088] 2) Withdrawal support: Support withdrawal operations for existing fixed-term banknote accounts.

[0089] In this embodiment, when making a regular deposit, it is forbidden to open a regular foreign currency banknote account, and the cash account attribute is cancelled. It supports depositing funds into existing regular banknote accounts. When opening a new regular banknote account, an error message "The current product for private regular deposits does not support the selected banknote and remittance code" will be displayed. Fixed-to-fixed transactions only support transfers into regular remittance accounts. It supports withdrawing funds from existing regular banknote accounts.

[0090] For example, the management strategy of the maintenance transaction business needs to follow the following rules when it is specifically implemented:

[0091] 1) Business operations: freezing of cash accounts is not supported, but deduction and unfreezing are supported.

[0092] 2) Judicial operations: support judicial freezing, unfreezing and deduction of banknote accounts.

[0093] 3) Restrictions on foreign currency banknote accounts: Foreign currency banknote accounts are not allowed to adjust the balance.

[0094] Exemplarily, the policy for business product parameters may include: requiring the business department to comprehensively modify product parameters, canceling support for banknote attributes, and ensuring that transaction errors are reported when banknote attributes are uploaded.

[0095] Exemplarily, the contract policy for converting current accounts to fixed deposits for foreign currency banknote accounts may include: prohibiting the addition of new current-to-fixed deposit contract relationships related to foreign currency banknote accounts.

[0096] Exemplarily, the stock handling strategy may include: existing active-to-fixed contractual relationships, with no special handling for foreign currency banknote accounts.

[0097] In this embodiment, by batch processing the existing private current accounts, the cash accounts are uniformly converted into remittance accounts, which greatly improves the processing efficiency, reduces the manual operation cost, and reduces the risk caused by human error. Differentiated processing strategies are adopted for different account statuses (such as business freeze, judicial freeze, etc.), ensuring the accuracy and compliance of the digital transfer operation, while keeping the contract status of the original cash accounts and remittance accounts unchanged, ensuring the safety of customer funds. When the account status is changed to normal, the system can automatically process the cash account into a remittance account in real time, improve the service response speed, and enhance the customer experience. The efficient and accurate conversion of private deposit accounts is realized, and the internal management efficiency of the bank and the quality of customer service are improved. The flexibility and adaptability of account management are enhanced, providing strong support for the subsequent business expansion of the bank.

[0098] In this embodiment, by prohibiting the opening of current foreign currency banknote accounts, restricting banknote account deposits and withdrawals, etc., the abuse of banknote accounts and the risk of fund mismatch are effectively prevented. When a banknote account conducts non-compliant transactions, the system can immediately report errors and provide clear prompts, which helps customers to find problems and adjust operations in a timely manner. For time deposits, priority is given to remittance account transactions, which is conducive to banks to better manage capital flows and exchange rate risks. The transaction behavior of private deposit accounts is standardized, reducing operational risks. The transparency and efficiency of fund management are improved, and the safety of customer funds is guaranteed.

[0099] In this embodiment, it is possible to support the business deduction and business unfreezing of the existing banknote accounts, and at the same time limit the freezing of banknote account business, thereby improving the flexibility and compliance of business processing. It is also possible to support the judicial freezing, judicial unfreezing, judicial deduction and other actions of the existing banknote accounts, thereby meeting the supervision requirements of the judicial department on bank accounts. It is prohibited for foreign currency banknote accounts to perform non-compliant operations such as cumulative adjustment, thereby maintaining the standardization of account management. It improves the compliance and efficiency of banks in account maintenance. It enhances the cooperation ability of banks and judicial departments, which helps to maintain the stability of financial order.

[0100] In this embodiment, no new foreign currency banknote account contract relationships (live to fixed, fixed to live, fixed to fixed) are allowed, which avoids fund mismatch and exchange rate risks caused by banknote account contracts. For current foreign currency banknote accounts that have signed contracts for live to fixed transfers, a non-processing strategy is adopted to protect customer rights and bank interests. The contract management process for foreign currency deposits is standardized, reducing contract risks. The safety of customer funds and the maximization of bank interests are guaranteed.

[0101] In another optional implementation, when the account type of the target cash account is a private debit card account, management strategies for financial transaction services, contract-related services, and fee-related services are determined respectively; wherein: the management strategy for the financial transaction services includes: strategies for opening foreign currency cash accounts, deposit strategies and withdrawal strategies for current transactions, and at least one of deposit strategies and withdrawal strategies for periodic transactions; the management strategy for contract-related services includes: contract-related strategies for foreign currency cash accounts; the management strategy for fee-related services includes: foreign currency fee collection strategies.

[0102] Exemplarily, the strategy for opening a foreign currency account may include: restricting the opening of a foreign currency account.

[0103] Exemplary deposit and withdrawal strategies for current transactions may include:

[0104] 1) Deposit restrictions: It is forbidden to open new current foreign currency banknote accounts. If a banknote account is encountered during deposit, an error message will be displayed. Fixed-term transfers only support remittance accounts.

[0105] 2) Withdrawal processing: When cash accounts make withdrawals, they will be prompted with insufficient balance, blocking the outflow of funds for non-remittance accounts.

[0106] Exemplary deposit and withdrawal strategies for regular transactions may include:

[0107] 1) Deposit management: It is forbidden to open new fixed-term foreign currency banknote accounts. Deposits can continue to be made to existing banknote accounts. New accounts that attempt to deposit into banknote accounts will receive an error message. Fixed-term to fixed-term transactions only support remittance accounts.

[0108] 2) Withdrawal support: Support withdrawal operations for existing fixed-term banknote accounts.

[0109] Exemplarily, the contract signing strategy for foreign currency banknote accounts may include: a comprehensive prohibition on adding all types of contract signing relationships involving foreign currency banknote accounts (live to fixed, fixed to live, fixed to fixed), to ensure that the banknote account management within the system is clearer and more standardized.

[0110] Exemplarily, the foreign currency charging strategy may include: for foreign currency charging, regardless of the type of card, "exchange" is uniformly used as the charging dimension.

[0111] In this embodiment, the fund clearing process for different card types (such as wealth management cards, Mainland-Hong Kong Connect Cards, and overseas student cards) is optimized to ensure the accuracy and efficiency of fund clearing. In the fee deduction process such as query and deduction of handling fees, account adjustment and deduction, etc., the deduction is uniformly collected from the remittance account, avoiding the exchange rate risk and operational complexity caused by the deduction of cash accounts. When authorizing freezing, flexible freezing strategies are adopted according to different card types and account status to ensure fund security and customer rights. The management level and customer service quality of special card types are improved.

[0112] In this embodiment, for all card types, if the fees are charged in foreign currency, the unified dimension is unified as "exchange", which simplifies the charging process and reduces the complexity of operation. It improves the transparency and standardization of foreign currency charges. It reduces the risk of customer complaints and disputes caused by inconsistent charging dimensions. It reduces the risks and costs in the process of fee deduction and fund settlement.

[0113] Step 204, automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts.

[0114] In this embodiment, a list can be created to perform batch account conversion. Another advantage of creating a change list is that the accounts in the list can be flexibly adjusted. For example, some additional screening conditions can be added to filter the account list.

[0115] For example, all existing private current accounts (cash accounts) in normal and overdraft states are converted into remittance accounts in batches through the automatic batch conversion function. Current accounts (cash accounts) with abnormal payment control status, suspended non-counter services, and abnormal customer information are also converted into remittance accounts in batches, and the contract status between the original cash accounts and remittance accounts remains unchanged. When the current cash account is in the state of business freeze, judicial freeze, or immobile account, the digital conversion process is not performed. After the status returns to normal, the cash account is automatically processed as a remittance account.

[0116] Step 205: modify the business rules of the converted remittance account according to the management strategy of the account business.

[0117] In this embodiment, by migrating the management strategy of the account business of the original cash account while converting the account, the business rules of the account after conversion into a remittance account are adaptively adjusted, that is, the converted remittance account can be compatible with the business rules of each account business of the target cash account.

[0118] This embodiment sets a management strategy for the banknote account business so that after the account is converted into a remittance account, the original banknote account user's use will not be affected.

[0119] In the above-mentioned account conversion method, by determining multiple target banknote accounts to be processed, and adding the target banknote accounts to the change list; thus, convenience can be provided for the subsequent batch automatic conversion of account types. By respectively obtaining the account types of the target banknote accounts, the account types include: private deposit accounts and private debit card accounts; thus, targeted management strategies can be set for different account types. By determining the management strategy of the account business according to the account type of the target banknote account, wherein the account business includes: at least one of financial transaction business, maintenance transaction business, contract business, and fee-based business; the management strategy of the account business is used to indicate the business rules of each account business of the target banknote account; thus, a one-to-one matching management strategy can be established for complex and diverse businesses, and the user's use is not affected after the account conversion. By automatically converting the target banknote accounts into remittance accounts in batches based on the change list, the converted remittance accounts are obtained; thus, the efficiency of account conversion can be greatly improved and errors introduced by manual intervention can be avoided. By changing the business rules of the converted remittance accounts according to the management strategy of the account business, the converted remittance accounts are compatible with the business rules of each account business of the target banknote account. This can significantly improve account conversion efficiency, lay the foundation for the integrated management of cash accounts and remittance accounts, optimize the management process of private deposits and private debit card accounts, and reduce risks in business processing.

[0120] In another exemplary embodiment, as shown in FIG3 , an account conversion method is provided, which is described by taking the method applied to the server in FIG1 as an example, and includes the following steps 301 to 307. Among them:

[0121] Step 301, determine multiple target banknote accounts to be processed, and add the target banknote accounts to the change list.

[0122] Step 302, respectively obtain the account type of the target bank account.

[0123] Step 303, determining the management strategy of the account business according to the account type of the target cash account.

[0124] For the specific implementation process and technical effects of steps 301 to 303 in this embodiment, please refer to Figure 2The descriptions of steps 201 to 203 in the illustrated method embodiment are not repeated here.

[0125] Step 304, determine whether the current state of the target banknote holder is a preset state, if so, execute step 305, if not, execute step 306.

[0126] The preset status includes: any one of a business freeze status, a judicial freeze status, and an immobile account status.

[0127] Step 305, removing the target account holder from the change list.

[0128] In this embodiment, cash accounts that are in the business frozen, judicial frozen, or immobile account status will not be processed temporarily, and will be automatically converted into remittance accounts after the account status returns to normal.

[0129] In this embodiment, normal and overdrafted private current account accounts can be automatically processed into remittance accounts in batches. For account accounts with abnormal payment control status, suspended non-counter service, and abnormal customer information, batch remittance is also performed, but the contract status of the original account account and remittance account is retained.

[0130] Step 306, automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts.

[0131] Step 307: modify the business rules of the converted remittance account according to the management policy of the account business.

[0132] For the specific implementation process and technical effects of steps 306 to 307 in this embodiment, please refer to Figure 2 The descriptions of steps 204 to 205 in the illustrated method embodiment are not repeated here.

[0133] In this embodiment, before automatically converting the target banknote accounts into remittance accounts in batches based on the change list, it is determined whether the current status of the target banknote accounts is a preset status. If so, the target banknote accounts are removed from the change list. Thus, accounts in business frozen status, judicial frozen status, and immobile account status can be suspended, and after the status of these accounts returns to normal, they can be automatically converted into remittance accounts in batches. Thus, it can be ensured that other accounts under administrative intervention maintain their original status.

[0134] In yet another exemplary embodiment, Figure 4 As shown, an account conversion method is provided, which is described by taking the method applied to the server in FIG. 1 as an example, and includes the following steps 401 to 408. Among them:

[0135] Step 401, determine multiple target banknote accounts to be processed, and add the target banknote accounts to the change list.

[0136] Step 402, respectively obtain the account type of the target bank account.

[0137] Step 403, determining the management strategy of the account business according to the account type of the target cash account.

[0138] For the specific implementation process and technical effects of steps 401 to 403 in this embodiment, please refer to Figure 2 The descriptions of steps 201 to 203 in the illustrated method embodiment are not repeated here.

[0139] Step 404, when the account type of the target cash account is a personal debit card account, determine the card type of the personal debit card account.

[0140] In this embodiment, the debit card may include: a wealth management card, a Mainland-Hong Kong Connect card, an international student card, etc.

[0141] Step 405, determining a fund management strategy based on the card type of the personal debit card account.

[0142] For example, for a wealth management card, the fund management strategy may include:

[0143] 1) Unfreezing of frozen funds: cancel the use of USD banknote accounts and operate in the order of USD exchange and RMB banknotes.

[0144] 2) Settlement and deduction: Settlement funds are uniformly deducted from the USD remittance account, and the deduction process also follows this order.

[0145] For example, for the Mainland-Hong Kong Connect Card, its fund management strategy may include:

[0146] 1) Freeze and liquidation: Hong Kong dollar remittance and RMB banknotes are frozen in sequence, and liquidation is deducted from the Hong Kong dollar remittance account.

[0147] 2) Fee processing: Cash withdrawals and account transfers are all processed from the Hong Kong dollar remittance account.

[0148] For example, for international student cards, the fund management strategy may include:

[0149] For complex scenarios: when authorizing freezing, priority will be given to USD accounts. If the account is insufficient, it will be frozen according to the transaction currency account; clearing and deduction will be carried out from the corresponding account according to the specific situation.

[0150] Step 406, based on the change list, the target banknote accounts are automatically converted into remittance accounts in batches to obtain converted remittance accounts.

[0151] Step 407, according to the management strategy of the account business, the business rules of the converted remittance account are changed.

[0152] In this embodiment, for the specific implementation process and technical effects of steps 406 to 407 in this embodiment, please refer to Figure 2 The descriptions of steps 204 to 205 in the illustrated method embodiment are not repeated here.

[0153] Step 408, according to the fund management strategy, the fund management rules of the converted remittance account are changed.

[0154] In this embodiment, when the target cash account is a personal debit card account, the card type of the personal debit card account can be determined; according to the card type of the personal debit card account, a fund management strategy can be determined, and then the fund management rules of the converted remittance account can be changed according to the fund management strategy. This optimizes the fund management and clearing process, reduces the complexity of the operation, and improves the processing efficiency.

[0155] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0156] Based on the same inventive concept, the embodiment of the present application also provides an account conversion device for implementing the account conversion method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more account conversion device embodiments provided below can refer to the limitations of the account conversion method above, and will not be repeated here.

[0157] In an exemplary embodiment, as shown in FIG5 , an account conversion device is provided, comprising: a first determination module 501 , an acquisition module 502 , a second determination module 503 , a conversion module 504 and a change module 505 , wherein:

[0158] The first determination module 501 is used to determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list;

[0159] The acquisition module 502 is used to respectively acquire the account types of the target banknote holders, wherein the account types include: a personal deposit account and a personal debit card account;

[0160] The second determination module 503 is used to determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account;

[0161] A conversion module 504, configured to automatically batch convert the target banknote accounts into remittance accounts based on the change list to obtain converted remittance accounts;

[0162] The changing module 505 is used to change the business rules of the converted remittance account according to the management strategy of the account business, so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

[0163] Exemplarily, the first determining module 501 is specifically configured to:

[0164] Receiving multiple account conversion requests from a user and / or a server;

[0165] According to the account conversion request, a target banknote account to be processed is determined.

[0166] Exemplarily, the second determining module 502 is specifically configured to:

[0167] When the target cash account is a private deposit account, management strategies for financial transaction services, maintenance transaction services, and contract-related services are determined respectively; wherein:

[0168] The management strategy of the financial transaction business includes at least one of: a deposit strategy and a withdrawal strategy for current transactions, a deposit strategy and a withdrawal strategy for periodic transactions, and a strategy for business product parameters;

[0169] The management strategy of the maintenance transaction business includes at least one of a freezing strategy, a deduction strategy, an unfreezing strategy, and a foreign currency account restriction strategy;

[0170] The management strategy of the contract-related business includes: a contract strategy for converting current deposits to fixed deposits of foreign currency banknote accounts, and / or a stock processing strategy.

[0171] Exemplarily, the second determination module 503 is specifically used to: when the account type of the target cash account is a private debit card account, determine the management strategies of financial transaction services, contract services, and fee-based services respectively; wherein:

[0172] The management strategy of the financial transaction business includes: a strategy for opening a foreign currency account, a deposit strategy and a withdrawal strategy for current transactions, and at least one of a deposit strategy and a withdrawal strategy for fixed-term transactions;

[0173] The management strategy of the contract-related business includes: the contract-related strategy for foreign currency account holders;

[0174] The management strategy of the fee-charging business includes: foreign currency charging strategy.

[0175] Exemplarily, the second determining module 503 is specifically configured to:

[0176] When the account type of the target cash account is a personal debit card account, determining the card type of the personal debit card account;

[0177] Determine a fund management strategy based on the card type of the personal debit card account, wherein the fund management strategy includes at least one of the following:

[0178] strategies for freezing and unfreezing authorizations;

[0179] Liquidation trading strategies;

[0180] Fee deduction strategy;

[0181] Adjust account and deduction strategy.

[0182] Exemplarily, the changing module 505 is further used for:

[0183] According to the fund management strategy, the fund management rules of the converted remittance account are changed.

[0184] The various modules included in the account conversion device provided in this embodiment can realize the above Figure 2~Figure 4 The specific implementation process and technical effects of each step in the method embodiment shown are not repeated here.

[0185] In another exemplary embodiment, as shown in FIG6 , an account conversion device is provided, which, based on the device shown in FIG5 , may further include: an account status judgment module 506, for judging whether the current status of the target banknote account is a preset status before automatically batch-converting the target banknote account into a remittance account based on the change list, and if so, removing the target banknote account from the change list; wherein the preset status includes: any one of a business freeze status, a judicial freeze status, and an immobile account status.

[0186] Each module in the above-mentioned account conversion device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module above.

[0187] In an exemplary embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be shown in FIG7. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit, and an input device. The processor, the memory, and the input / output interface are connected via a system bus, and the communication interface, the display unit, and the input device are connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner may be implemented through WIFI, a mobile cellular network, near field communication (NFC) or other technologies. When the computer program is executed by the processor, an account conversion method is implemented. The display unit of the computer device is used to form a visually visible picture, which may be a display screen, a projection device, or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.

[0188] Those skilled in the art will understand that the structure shown in FIG. 7 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0189] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the method steps of each of the above embodiments are implemented when the processor executes the computer program.

[0190] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the method steps of each of the above embodiments are implemented.

[0191] In one embodiment, a computer program product is provided, including a computer program, which implements the method steps of the above-mentioned various embodiments when executed by a processor.

[0192] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0193] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0194] 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. An account conversion method, characterized in that: The method comprises: Determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list; Respectively obtain the account types of the target banknote holders, the account types including: private deposit accounts and private debit card accounts; Determine the management strategy of the account service according to the account type of the target banknote account, wherein the account service includes at least one of financial transaction service, maintenance transaction service, contract service and fee service; the management strategy of the account service is used to indicate the business rules of each account service of the target banknote account; Automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts; According to the management strategy of the account business, the business rules of the converted remittance account are changed so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

2. The method according to claim 1, characterized in that The step of determining a plurality of target banknote accounts to be processed comprises: Receiving multiple account conversion requests from a user and / or a server; According to the account conversion request, a target banknote account to be processed is determined.

3. The method according to claim 1, characterized in that Determining the management strategy of the account business according to the account type of the target banknote account includes: When the target cash account is a private deposit account, management strategies for financial transaction services, maintenance transaction services, and contract-related services are determined respectively; wherein: The management strategy of the financial transaction business includes at least one of: a deposit strategy and a withdrawal strategy for current transactions, a deposit strategy and a withdrawal strategy for periodic transactions, and a strategy for business product parameters; The management strategy of the maintenance transaction business includes at least one of a freezing strategy, a deduction strategy, an unfreezing strategy, and a foreign currency account restriction strategy; The management strategy of the contract-related business includes: a contract strategy for converting current deposits to fixed deposits of foreign currency banknote accounts, and / or a stock processing strategy.

4. The method according to any one of claims 1 to 3, characterized in that: Before automatically converting the target banknote accounts into remittance accounts in batches based on the change list, the method further includes: Determine whether the current status of the target banknote account is a preset status. If so, remove the target banknote account from the change list; wherein the preset status includes: any one of a business freeze status, a judicial freeze status, and an immobile account status.

5. The method according to claim 1, characterized in that Determining the management strategy of the account business according to the account type of the target banknote account includes: When the target cash account is a personal debit card account, management strategies for financial transaction services, contract services, and fee-based services are determined respectively; wherein: The management strategy of the financial transaction business includes: a strategy for opening a foreign currency account, a deposit strategy and a withdrawal strategy for current transactions, and at least one of a deposit strategy and a withdrawal strategy for fixed-term transactions; The management strategy of the contract-related business includes: the contract-related strategy for foreign currency account holders; The management strategy of the fee-charging business includes: foreign currency charging strategy.

6. The method according to claim 1, characterized in that When the account type of the target cash account is a personal debit card account, the method further comprises: Determine the card type of the personal debit card account; Determine a fund management strategy based on the card type of the personal debit card account, wherein the fund management strategy includes at least one of the following: strategies for freezing and unfreezing authorizations; Liquidation trading strategies; Fee deduction strategy; Adjust account and deduction strategy.

7. The method according to claim 6, characterized in that After automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain the converted remittance accounts, the method further includes: According to the fund management strategy, the fund management rules of the converted remittance account are changed.

8. An account conversion device, characterized in that: The device comprises: A first determination module is used to determine a plurality of target banknote accounts to be processed, and add the target banknote accounts to a change list; An acquisition module is used to respectively acquire the account types of the target banknote holders, wherein the account types include: a private deposit account and a private debit card account; The second determination module is used to determine the management strategy of the account business according to the account type of the target banknote account, wherein the account business includes at least one of financial transaction business, maintenance transaction business, contract business, and fee-based business; the management strategy of the account business is used to indicate the business rules of each account business of the target banknote account; A conversion module, used for automatically converting the target banknote accounts into remittance accounts in batches based on the change list to obtain converted remittance accounts; The changing module is used to change the business rules of the converted remittance account according to the management strategy of the account business, so that the converted remittance account is compatible with the business rules of each account business of the target banknote account.

9. The device according to claim 8, characterized in that The first determining module is specifically configured to: Receiving multiple account conversion requests from a user and / or a server; According to the account conversion request, a target banknote account to be processed is determined.

10. The device according to claim 8, characterized in that The second determining module is specifically used to: When the target cash account is a private deposit account, management strategies for financial transaction services, maintenance transaction services, and contract-related services are determined respectively; wherein: The management strategy of the financial transaction business includes at least one of: a deposit strategy and a withdrawal strategy for current transactions, a deposit strategy and a withdrawal strategy for periodic transactions, and a strategy for business product parameters; The management strategy of the maintenance transaction business includes at least one of a freezing strategy, a deduction strategy, an unfreezing strategy, and a foreign currency account restriction strategy; The management strategy of the contract-related business includes: a contract strategy for converting current deposits to fixed deposits of foreign currency banknote accounts, and / or a stock processing strategy.

11. The device according to any one of claims 8 to 10, characterized in that Also includes: The account status judgment module is used to judge whether the current status of the target banknote account is a preset status before automatically batch converting the target banknote account into remittance account based on the change list. If so, the target banknote account is removed from the change list; wherein the preset status includes: any one of business freeze status, judicial freeze status, and immobile account status.

12. The device according to claim 8, characterized in that The second determination module is specifically used to: when the account type of the target cash account is a private debit card account, determine the management strategies of financial transaction services, contract services, and fee-based services respectively; wherein: The management strategy of the financial transaction business includes: a strategy for opening a foreign currency account, a deposit strategy and a withdrawal strategy for current transactions, and at least one of a deposit strategy and a withdrawal strategy for fixed-term transactions; The management strategy of the contract-related business includes: the contract-related strategy for foreign currency account holders; The management strategy of the fee-charging business includes: foreign currency charging strategy.

13. The device according to claim 8, characterized in that The second determining module is specifically used to: When the account type of the target cash account is a personal debit card account, determining the card type of the personal debit card account; Determine a fund management strategy based on the card type of the personal debit card account, wherein the fund management strategy includes at least one of the following: strategies for freezing and unfreezing authorizations; Liquidation trading strategies; Fee deduction strategy; Adjust account and deduction strategy.

14. The device according to claim 13, characterized in that The change module is also used for: According to the fund management strategy, the fund management rules of the converted remittance account are changed.

15. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

16. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

17. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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