Transaction method and device based on virtual account

Abstract

The invention provides a transaction method and device based on a virtual account, relates to the technical field of computers and can also be used in the field of financial science and technology, and the transaction method comprises the steps: generating first transaction order information in response to a received order submission operation of a user on a transaction platform, the first transaction order information, the tourist ID of the user and the account of the transaction platform are sent to a bank end, and the user is a tourist whose identity information is not authorized to the transaction platform; in response to the received virtual account generation operation of the user at the bank end, generating a virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating second transaction order information, and returning the second transaction order information and the tourist ID to the transaction platform; and in response to determining that the second transaction order information and the tourist ID from the bank end are matched with the first transaction order information and the tourist ID, transaction is performed on the account of the transaction platform based on the virtual account.

Description

Technical Field

[0001] The present application belongs to the field of computer technology and can also be used in the field of financial technology. Specifically, it relates to a transaction method and device based on a virtual account. Background Art

[0002] At present, in the personal payment business scenario, it is more convenient to authorize third-party payment for the collection of payments on domestic securities companies, insurance companies, and many e-commerce APP platforms. Third-party payment is a transaction support platform provided by a third-party independent institution that has signed contracts with some countries where products are located and major foreign banks and has certain strength and credibility guarantees. In the third-party payment transaction process, the payment mode prevents merchants from seeing the customer's credit card information, and the customer's credit card information is retained on the third-party payment platform.

[0003] In transactions through third-party payment platforms, after the buyer selects the goods, he / she uses the account provided by the third-party platform to pay for the goods. The third party will then notify the seller that the payment has arrived and the goods will be shipped. After the buyer inspects the items, he / she can notify the seller to pay, and the third party will then transfer the funds to the seller's account.

[0004] However, this business scenario cannot cover all customers with payment intentions.

[0005] One category is customers who have not registered on the consumption platform, that is, unregistered people, and tourists who purchase as visitors. They do not participate in the purchase behavior and payment transactions in the APP with registered identities and verified real customer information. Usually, when conducting third-party transactions, registered users will be asked to bind their bank accounts for authorization, so as to facilitate payment operations when purchasing goods. However, tourists who have not registered on the platform have no choice of payment channels when making payments.

[0006] The other category is registered users who do not trust third-party platforms. The risk is that in this electronic payment process, personal information will be retained in third-party institutions, and third-party platforms may use the user data for their own platform operations and development, not limited to precision marketing after big data calculations, information push, customer portrait analysis, data capture, etc. There may also be data confidentiality issues, causing telecommunications fraud after data leakage. Not only that, because the funds will be stranded at the third-party payment service provider, the so-called fund sedimentation will occur. If there is a lack of effective liquidity management, there may also be risks in fund security and payment, causing customers to distrust this platform. Summary of the invention

[0007] In response to the problems existing in the prior art, the present application provides a transaction method and device based on a virtual account, which can support individuals to flexibly pay and complete financial transactions as tourists or unauthorized third-party platforms.

[0008] According to a first aspect of the present application, a transaction method based on a virtual account is provided, the method comprising:

[0009] In response to receiving an order submission operation from a user on a trading platform, generating first trading order information, and sending the first trading order information, the visitor ID of the user, and the account of the trading platform to a bank, wherein the user is a visitor who has not registered on the trading platform or whose identity information has not been authorized to the trading platform;

[0010] In response to receiving a virtual account generation operation of the user at the bank, generating a virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating second transaction order information, and returning the second transaction order information and the visitor ID to the transaction platform;

[0011] In response to determining that the second transaction order information and the visitor ID from the bank side match the first transaction order information and the visitor ID, a transaction is performed on the account of the transaction platform based on the virtual account.

[0012] In some optional manners of this embodiment, the virtual account generation operation includes filling in identity information reserved by the user at the bank end, and the generating of a virtual account corresponding to the user in response to receiving the virtual account generation operation of the user at the bank end includes:

[0013] Determine whether the user has a real account at the bank according to the identity information, wherein the identity information includes at least one of name, certificate type, certificate number, bank account number and mobile phone number;

[0014] In response to determining that the user has a real account at the bank, generating a virtual account corresponding to the real account based on a pre-established virtual account data table;

[0015] In response to determining that the user does not have a real account at the bank, an error message is prompted to the user and the transaction is not completed.

[0016] In some optional manners of this embodiment, the virtual account data table stores a plurality of historical virtual accounts, and generating a virtual account corresponding to the real account based on the pre-established virtual account data table includes:

[0017] Using a random number generation method, removing the historical virtual account from a random generation range, and generating a virtual account corresponding to the real account;

[0018] Wherein, after generating a virtual account corresponding to the real account, the method further includes:

[0019] Establishing a first mapping relationship between the real account and a virtual account corresponding to the real account;

[0020] Establishing a second mapping relationship between the virtual account and the account of the trading platform;

[0021] The first mapping relationship and the second mapping relationship are stored as an account mapping relationship table.

[0022] In some optional aspects of this embodiment, the trading of the account of the trading platform based on the virtual account includes:

[0023] Determining a transaction amount of the user according to payment information in the first transaction order information or the second transaction order information;

[0024] Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the transaction amount from the funds of the real account to the virtual account;

[0025] According to the second mapping relationship, the account of the trading platform corresponding to the virtual account is determined, and the transaction amount is transferred to the account of the trading platform to complete the payment of the transaction amount.

[0026] In some optional aspects of this embodiment, after completing the payment of the transaction amount, the method further includes: freezing the payment function of the virtual account and retaining only the payment collection function of the virtual account.

[0027] In some optional aspects of this embodiment, the method further includes:

[0028] In response to receiving a confirmation receipt operation of the user on the trading platform, determining third transaction order information corresponding to the confirmation receipt operation, and determining a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account;

[0029] The virtual account, the first mapping relationship and the second mapping relationship used by the third transaction order information are deleted from the account mapping relationship table.

[0030] In some optional aspects of this embodiment, the method further includes:

[0031] In response to receiving an order refund operation of the user on the trading platform, determining fourth transaction order information corresponding to the order refund operation, and determining a virtual account corresponding to the fourth transaction order information and an amount to be refunded according to a binding relationship between the fourth transaction order information and the virtual account;

[0032] Transferring the amount to be refunded from the account of the trading platform to the virtual account;

[0033] Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the amount to be refunded from the virtual account to the real account;

[0034] After the bank confirms that the real account has received the amount to be refunded, the virtual account, the first mapping relationship, and the second mapping relationship used by the fourth transaction order information are deleted from the account mapping relationship table.

[0035] According to a second aspect of the present application, a transaction device based on a virtual account is also provided, the device comprising:

[0036] A visitor order submission module is configured to generate first transaction order information in response to receiving an order submission operation of a user on a transaction platform, and send the first transaction order information, the visitor ID of the user and the account of the transaction platform to a bank end, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform;

[0037] a virtual account generation module, configured to generate a virtual account corresponding to the user in response to receiving a virtual account generation operation of the user at the bank end, bind the virtual account with the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform;

[0038] The virtual account transaction module is configured to, in response to determining that the second transaction order information and the visitor ID from the bank end match the first transaction order information and the visitor ID, conduct transactions on the account of the transaction platform based on the virtual account.

[0039] According to the third aspect of the present application, there is also provided an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the virtual account-based transaction method when executing the program.

[0040] According to a fourth aspect of the present application, a computer-readable storage medium is also provided, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the virtual account-based transaction method are implemented.

[0041] This application provides a transaction method and device based on virtual accounts, which generates personal virtual accounts, thereby supporting individuals to flexibly pay and complete fund transactions as tourists or unauthorized third-party platforms. While increasing funds, the number of users, and payment transactions, it does not threaten security and reduces the risks of third-party big data marketing push and telecommunications fraud. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0043] Figure 1 One of the flow charts of a transaction method based on a virtual account according to an embodiment of the present application;

[0044] Figure 2 The second flowchart of a transaction method based on a virtual account according to an embodiment of the present application;

[0045] Figure 3 The third flowchart of a transaction method based on a virtual account according to an embodiment of the present application;

[0046] Figure 4 The fourth flowchart of a transaction method based on a virtual account according to an embodiment of the present application;

[0047] Figure 5 is a schematic diagram of a transaction device based on a virtual account according to an embodiment of the present application;

[0048] Figure 6 A block diagram of an electronic device for implementing a transaction method based on a virtual account according to an embodiment of the present application. DETAILED DESCRIPTION

[0049] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0050] An embodiment of the present application provides a transaction method based on a virtual account, such as Figure 1 As shown, the method includes:

[0051] Step 101: In response to receiving an order submission operation from a user on a trading platform, generating first trading order information, and sending the first trading order information, the visitor ID of the user, and the account of the trading platform to a bank, wherein the user is a visitor who has not registered on the trading platform or whose identity information has not been authorized to the trading platform;

[0052] Step 102: in response to receiving a virtual account creation operation of the user at the bank, a virtual account corresponding to the user is created, the virtual account is bound to the first transaction order information, second transaction order information is created, and the second transaction order information and the visitor ID are returned to the transaction platform;

[0053] Step 103: In response to determining that the second transaction order information and the visitor ID from the bank side match the first transaction order information and the visitor ID, a transaction is performed on the account of the transaction platform based on the virtual account.

[0054] This application provides a transaction method based on a virtual account, which supports individuals to flexibly pay and complete fund transactions as tourists or unauthorized third-party platforms. While increasing funds, the number of users, and payment transactions, it does not threaten security and reduces the risks of third-party big data marketing push and telecommunications fraud, and has broad application prospects.

[0055] Below Figure 1 Each step is introduced:

[0056] Step 101: In response to receiving an order submission operation from a user on a trading platform, first trading order information is generated, and the first trading order information, the visitor ID of the user, and the account of the trading platform are sent to a bank, wherein the user is a visitor who has not registered on the trading platform or whose identity information has not been authorized to the trading platform.

[0057] It should be understood that this application mainly includes three participants, namely users, banks and trading platforms. The trading platform is a platform for customers to consume, such as e-commerce platforms, shopping platforms, etc., and this application does not limit this; users are registered users who have not registered on the trading platform or have not authorized their identity information to the trading platform due to distrust of the trading platform. These two types of users are collectively referred to as tourists. In other words, users can enter the trading platform as tourists to purchase goods and make consumption payments.

[0058] In a specific example, a user chooses to log in to the trading platform as a visitor. The trading platform will assign the user a visitor ID as the user's account name. After the user selects the goods to be purchased on the trading platform, he / she executes the order submission operation. After receiving the user's order submission operation, a first transaction order information will be generated. The transaction order information includes information such as product details, unit price of the product, order number, order time, and amount to be paid. This application does not limit this. Further, the first transaction order information, the user's visitor ID, and the account of the trading platform are sent to the bank side, wherein the account of the trading platform is the account used by the trading platform for collecting payments. It can be a bank account number or other accounts with a collection function. For example, a user wants to purchase a product in store A and executes the order submission operation. The account of the trading platform is the collection account of store A.

[0059] Step 102: In response to receiving a virtual account generation operation from the user at the bank, a virtual account corresponding to the user is generated, the virtual account is bound to the first transaction order information, second transaction order information is generated, and the second transaction order information and the visitor ID are returned to the transaction platform.

[0060] In this embodiment, the bank side will trigger the virtual account generation operation on the bank side according to the first transaction order information sent in the aforementioned step 101, the visitor ID of the user and the account of the transaction platform.

[0061] It should be noted that in order to realize the bank's virtual account generation operation, the bank needs to reach cooperation with the trading platform that is willing to support this virtual account transaction method in advance. The bank uses the internal virtual account system to generate the customer's virtual account, and the trading platform provides an interface for the bank to call, thereby supporting the bank's customer information verification and directly paying the trading platform fees. During the payment process, both parties call according to the pre-agreed calling specifications. The bank verifies the customer's information including name, mobile phone number, ID type, and ID number. The partner (i.e., the trading platform) returns the customer's partner account (visitor ID) and query results; during the message transmission process, both parties encrypt and decrypt the message according to the pre-agreed public key and private key to ensure the security of information transmission.

[0062] The bank's virtual account system supports allocating users' virtual accounts to various partner institutions (i.e. trading platforms), such as online shopping websites, offline shopping centers, and all other businesses that require fee settlement, and can manage each user's virtual account individually.

[0063] In some optional methods of this embodiment, the virtual account generation operation includes filling in the identity information reserved by the user at the bank end, such as Figure 2 As shown, step 102 further includes:

[0064] Step 1021: Determine whether the user has a real account at the bank based on the identity information, wherein the identity information includes at least one of name, ID type, ID number, bank account number, and mobile phone number.

[0065] In this embodiment, the user can jump between the trading platform and the bank side through the mobile terminal (client). For example, after executing the order submission operation on the trading platform's APP, the terminal interface will jump from the e-commerce platform to the bank's H5 or mini program, and a window will pop up for the user to fill in the identity information reserved on the bank side. The user can fill in one or more of the name, ID type, ID number, bank account number and mobile phone account number reserved on the bank side in this window, so that the bank side can query the user's account information in the bank system based on the identity information.

[0066] Step 1022: In response to determining that the user has a real account at the bank, a virtual account corresponding to the real account is generated based on a pre-established virtual account data table.

[0067] In this embodiment, if the information is verified to be correct, that is, the user has a real account at the bank, a virtual account corresponding to the real account is generated based on the pre-established virtual account data table. For example, the virtual account generation system built by the bank can encrypt the account number, name, mobile phone number, ID type, ID number and other information of the customer who has opened an account in the bank, and use the above data to generate a virtual account, which is output and presented in encrypted form.

[0068] In some optional aspects of this embodiment, the virtual account data table stores a plurality of historical virtual accounts, and step 1022 further includes:

[0069] A random number generation method is adopted to remove the historical virtual account from a random generation range, and a virtual account corresponding to the real account is generated.

[0070] In a specific example, the virtual account is set to 19 digits and is randomly generated, but the virtual accounts generated N times before are removed from the randomly generated range, where N is a parameter value, to ensure that the virtual account and the virtual account used in the previous N transactions are not repeated. In order to implement this rule, it is necessary to establish a data table LASTTIME to register the historical virtual account information used N times before. In other words, the data table LASTTIME is the virtual account data table, where the random number generation method is a prior art and will not be described in detail in this application.

[0071] In some optional methods of this embodiment, after a virtual account corresponding to a real account is generated, for the convenience of statistics, the transaction method based on a virtual account of this embodiment further includes:

[0072] Step 104: establishing a first mapping relationship between the real account and a virtual account corresponding to the real account;

[0073] Step 105: establishing a second mapping relationship between the virtual account and the account of the trading platform;

[0074] Step 106: Store the first mapping relationship and the second mapping relationship as an account mapping relationship table.

[0075] In some optional methods of this embodiment, steps 104 to 106 are further explained: an account mapping relationship table ACCNOREL is constructed to register the relationship between the real account and the virtual account. The relationship between the real account and the virtual account is a mapping relationship, that is, the virtual account corresponding to the real account can be uniquely determined based on the first mapping relationship; at the same time, the account mapping relationship table ACCNOREL also registers the relationship between the virtual account and the account of the trading platform. The relationship between the virtual account and the account of the trading platform is a second mapping relationship, that is, the account of the trading platform corresponding to the virtual account can be uniquely determined based on the second mapping relationship, and the unique payment relationship is locked, so that the virtual account can be used to complete the payment of the account of the trading platform.

[0076] At this point, the aforementioned account mapping relationship table ACCNOREL is finally formed according to the above-mentioned first mapping relationship and the second mapping relationship.

[0077] It should be noted that the account mapping relationship table ACCNOREL stores virtual accounts, real accounts and trading platform accounts within the validity period. That is to say, for a transaction order submitted by a user, the transaction is not completed after the user pays. It still needs to go through the steps of the trading platform shipping, the customer confirming receipt and signing for the goods before the transaction can be closed. Before the transaction is closed, there is no validity period. After the transaction is closed, the validity period ends and the real accounts, virtual accounts and trading platform accounts stored in the account mapping relationship table ACCNOREL need to be deleted, that is, the first mapping relationship and the second mapping relationship need to be deleted.

[0078] It should also be noted that, in the aforementioned virtual account generation process, in order to further improve the accuracy of virtual account transactions, the range of random number generation should not include existing virtual accounts in the ACCNOREL table, so as to ensure that the newly generated virtual accounts and the virtual accounts in use are not repeated, that is, to perform secondary confirmation to improve the accuracy of virtual account transactions.

[0079] Step 1023: In response to determining that the user does not have a real account at the bank, an error message is prompted to the user, and the transaction is not completed.

[0080] In this embodiment, if the information verification is wrong, that is, the user's real account information is not found in the bank system, a transaction error prompt window will pop up, reminding the user that he is not a user of our bank, and stating that the user can go to the bank to open an account, and the bank will be responsible for the security of funds and information confidentiality, and use the virtual account provided by the bank to pay.

[0081] At this point, the virtual account corresponding to the user's real account can be determined. Further, it is necessary to bind the virtual account with the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform.

[0082] In a specific example, the bank virtual account generation system generates a virtual account according to the customer's requirements (i.e., the identity information filled in), and binds the virtual account and the first transaction order information to obtain the second transaction order information, and sends it to the designated transaction platform together with the visitor ID and the second transaction order information. At the same time, the transaction funds are transferred from the real account to the virtual account, waiting to receive the user's instructions for payment, and the virtual account is displayed to the customer user on the bank's H5 or mini program page.

[0083] Step 103: In response to determining that the second transaction order information and the visitor ID from the bank side match the first transaction order information and the visitor ID, a transaction is performed on the account of the transaction platform based on the virtual account.

[0084] It should be noted that in actual application scenarios, the trading platform may process order submission operations of multiple users at the same time, that is, order payments of multiple users. Therefore, in this embodiment, the virtual account parsing module of the trading platform also needs to verify the first order information and visitor ID when the aforementioned user performs the order submission operation after receiving the information transmitted by the bank (visitor ID and second transaction order information). If the verification is passed, the virtual account information will be displayed to the user on the e-commerce platform. The user verifies the virtual account and order information displayed on the trading platform, and clicks Submit to confirm the payment. After receiving the user's confirmation payment instruction, the virtual account generation module on the bank side will transfer the funds stored in the virtual account to the collection account of the trading platform and freeze the payment function of the virtual account.

[0085] In some optional aspects of this embodiment, based on the virtual account, the account of the trading platform is traded, such as Figure 3 As shown, including:

[0086] Step 1031: Determine the transaction amount of the user according to the payment information in the first transaction order information or the second transaction order information;

[0087] Step 1032: Determine the real account corresponding to the virtual account according to the first mapping relationship, and transfer the transaction amount from the funds in the real account to the virtual account;

[0088] Step 1033: Determine the account of the trading platform corresponding to the virtual account according to the second mapping relationship, and transfer the transaction amount to the account of the trading platform to complete the payment of the transaction amount.

[0089] In some optional methods of this embodiment, steps 1031 to 1033 are further explained, wherein the first transaction order information or the second transaction order information stores the commodity information and fee information of the transaction order waiting for payment information, thereby being able to determine the user's pending payment amount, i.e., the transaction amount, from the pending payment information; further, the bank side can reversely determine the real account corresponding to the virtual account based on the first mapping relationship, thereby transferring the transaction amount from the funds in the real account to the user's virtual account; finally, the bank side can reversely determine the account of the trading platform corresponding to the virtual account based on the second mapping relationship, and transfer the transaction amount to the account of the trading platform to complete the payment of the transaction amount, i.e., the payment of the purchased goods, so that the transaction funds will not be stranded on the trading platform (third-party payment service provider), thus avoiding the so-called fund sedimentation, improving the liquidity management of funds, and reducing the risks of fund security and payment.

[0090] As discussed above, the completion of payment does not mean that the transaction order has completed the closed loop. It also needs to go through the operations of the transaction platform shipping the goods and the customer signing for and confirming receipt. Among them, if the user is not satisfied with the goods sent by the transaction platform, the user can initiate a refund operation. Therefore, in some optional methods of this embodiment, after completing the payment of the transaction amount, the method also includes: freezing the payment function of the virtual account and retaining only the collection function of the virtual account, wherein freezing the payment function of the virtual account is used to improve the security of the virtual account, and retaining the collection function of the virtual account is for potential refund operations of subsequent users.

[0091] When the user confirms that the received goods are correct, the user can perform a receipt confirmation operation on the interface of the trading platform. Therefore, in some optional embodiments of this embodiment, the method further includes:

[0092] In response to receiving a confirmation receipt operation of the user on the trading platform, determining third transaction order information corresponding to the confirmation receipt operation, and determining a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account;

[0093] The virtual account, the first mapping relationship and the second mapping relationship used by the third transaction order information are deleted from the account mapping relationship table.

[0094] In a specific example, after receiving the confirmation receipt instruction from the trading platform, the bank will determine the transaction order information corresponding to the confirmation receipt operation. It should be understood that the transaction order information stores the order number to be paid, and the order number to be paid is bound to the virtual account with a unique payment relationship, so that the virtual account can be determined based on the third transaction order information.

[0095] It should be understood that after the user confirms receipt of the goods, the transaction order completes the transaction loop. According to the above, it is necessary to delete the virtual account, the first mapping relationship and the second mapping relationship from the account mapping relationship table ACCNOREL, that is, delete the real account corresponding to the virtual account according to the first mapping relationship; delete the account of the trading platform corresponding to the virtual account.

[0096] When the user confirms that the received product is defective or unwanted, the order refund operation can be performed on the interface of the trading platform. Therefore, in some optional embodiments of this embodiment, the method further includes:

[0097] In response to receiving an order refund operation of the user on the trading platform, determining fourth transaction order information corresponding to the order refund operation, and determining a virtual account corresponding to the fourth transaction order information and an amount to be refunded according to a binding relationship between the fourth transaction order information and the virtual account;

[0098] Transferring the amount to be refunded from the account of the trading platform to the virtual account;

[0099] Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the amount to be refunded from the virtual account to the real account;

[0100] After the bank confirms that the real account has received the amount to be refunded, the virtual account, the first mapping relationship, and the second mapping relationship used by the fourth transaction order information are deleted from the account mapping relationship table.

[0101] In a specific example, a customer (i.e., a user) initiates a refund application at the client order and submits an order for a refund; after the merchant reviews the information and agrees to the refund, he enters the refund agreement instruction at the order and enters the customer refund link; the order sends the refund instruction to the virtual account parsing module of the e-commerce platform, and returns the virtual account information and the amount to be refunded through the binding relationship between the virtual account and the e-commerce platform order number (i.e., the fourth transaction order information); the amount to be refunded is further transferred from the account of the trading platform to the virtual account, and after the virtual account receives the refund information, the payment function is triggered to return the order amount to the original path, specifically: the display account corresponding to the virtual account is reversely determined according to the first mapping relationship, and the amount to be refunded is transferred from the virtual account to the real account; finally, after the real account on the bank side receives the refund, the transaction is closed, the virtual account is deleted from the aforementioned account mapping relationship table ACCNOREL, and the first mapping relationship and the second mapping relationship of the virtual account are deleted at the same time, thereby deleting the real account and the account of the trading platform corresponding to the virtual account.

[0102] To facilitate users to query transaction details of their own virtual accounts on the trading platform, in some optional methods of the present embodiment, a virtual account transaction detail table ACCNODTL may be established on the trading platform to register all transaction details of virtual accounts. Since virtual accounts will be physically deleted in the account mapping table ACCNOREL, the primary key of the table is the real account. Through the method of real account + note historical virtual account, customers can confirm expenditure records by querying real account details.

[0103] In order to deepen the understanding of the present application scheme, the transaction method based on the virtual account proposed in the above embodiment is summarized as follows:

[0104] The technical solution of this application mainly includes three participants, namely, banks, customers (users), and trading platforms (or described as consumer platform APP, partner institutions, third-party institutions, third-party platforms, shopping platforms, and e-commerce platforms). This application mainly solves the problem that bank customers are not registered on the shopping platform, or do not trust third-party institutions, and refuse to make consumer payments through third-party platform authorization, as well as the current banking industry does not use virtual accounts for third-party payment transaction scenarios. This application is based on virtual account application technology to add a step of generating a virtual account and submitting payment without third-party authorization, so as to achieve a convenient payment and protect user privacy. Among them, it mainly includes the following three aspects:

[0105] 1. The bank builds a virtual account system that can encrypt the account number, name, mobile phone number, ID type, ID number and other information of customers who have opened accounts in the bank, and use the above data to generate a virtual account, which is output and presented in encrypted form.

[0106] 2. Each virtual account system supports allocating users' virtual accounts to various institutions. Institutions can be online shopping websites, offline shopping malls, and all other companies that need to settle fees. Each user's virtual account can be managed separately.

[0107] 3. When bank customers enter the consumption platform APP as a tourist to purchase goods and make payments, they can choose not to authorize a third party on the consumption platform and directly select a virtual account for payment. During this process, no personal information will be provided to third-party platforms or various consumption platforms. All real account information is stored, managed and processed within the bank, effectively improving data security and user privacy.

[0108] Based on the above three aspects, such as Figure 4 As shown, the transaction method based on virtual accounts of the present application can actually be executed by the following three modules, namely: a tourist order generation module, a bank virtual account generation module, and an e-commerce platform virtual account analysis module, and the functions of the three modules are as follows:

[0109] 1. Visitor order generation module: This module has three functions. First, it allows visitors to submit transaction orders to the e-commerce platform. Second, it allows visitors to jump to the bank page for them to generate virtual accounts. Third, it allows them to confirm the virtual account and place an order on the e-commerce platform, ultimately generating a visitor order. The order information provided to the e-commerce platform needs to include the visitor ID and order information, which will be used by the virtual account parsing module of the e-commerce platform. When jumping to the bank page, the order generation module needs to notify the bank of the e-commerce platform account information, order information, and visitor ID through interface communication, which will be used by the virtual account generation module.

[0110] 2. Bank virtual account generation module: This module has two functions. One is to define the mapping relationship between the bank customer's real account and the virtual account, and transfer the transaction funds to the virtual account; the other is to bind the virtual account information with the e-commerce platform payment information (the order number to be paid) to a unique payment relationship, and package the order information and customer ID for use by the e-commerce platform virtual account parsing module. Regarding virtual accounts, virtual accounts must be based on a single transaction and bound to the e-commerce platform account of this transaction. Payments cannot be made to other accounts; after the virtual account transfers funds to the e-commerce platform account, the payment function must be frozen and the collection function must be retained in case of a refund; after the customer confirms receipt of the goods on the e-commerce platform, the virtual account usage period ends and the virtual account is deleted.

[0111] 3. E-commerce platform virtual account parsing module: This module has two functions. One is to verify the consistency between the order information and customer ID information packaged by the bank virtual account generation module and the order information and customer ID information provided by the customer order generation module, so as to verify the matching of funds and transaction objects, and confirm key contents such as matching of funds and transaction objects. The other is to receive the virtual account provided by the bank virtual account generation module and display it in the customer order generation module for the customer to confirm and place an order.

[0112] Among the above three modules, the method for the bank virtual account generation module to construct the mapping relationship between the customer's real account and the virtual account is:

[0113] (1) Construct an account mapping relationship table ACCNOREL to register the relationship between the real account and the virtual account. When the virtual account is within the validity period of the e-commerce transaction, the ACCNOREL table registers the data record. When the transaction in which the virtual account participates is completed, the transaction data is physically deleted. The ACCNOREL table also registers the e-commerce platform account corresponding to the virtual account and locks the unique payment relationship.

[0114] (2) The virtual account is set to 19 digits and is randomly generated. However, the virtual accounts generated in the previous N times must be excluded from the randomly generated range, where N is the parameter value, to ensure that the virtual accounts are not repeated with the virtual accounts used in the previous N transactions. In addition, the generated range should not include the virtual accounts that exist in the ACCNOREL table, to ensure that the newly generated virtual accounts are not repeated with the virtual accounts in use. In order to implement the first rule, it is necessary to establish the data table LASTTIME to record the virtual account information used in the previous N times.

[0115] (3) Create a virtual account transaction details table ACCNODTL to record all transaction details that occur in the form of virtual accounts. Since virtual accounts will be physically deleted, the primary key of this table is the real account. Through the method of real account + note historical virtual account, customers can confirm their expenditure records by querying the real account details.

[0116] It should also be noted that in this application, the bank and the partner institution that is willing to support this virtual account transaction method need to reach an agreement in advance. The bank uses the internal virtual account system to generate virtual accounts for individual customers, and the partner institution provides an interface for the bank to call, thereby supporting the bank to verify customer information and directly pay the consumption platform fees. During the payment process, both parties call according to the pre-agreed call specifications. The bank verifies customer information including name, mobile phone number, ID type, and ID number. The partner returns the customer's partner account and query results; during the message transmission process, both parties encrypt and decrypt the message according to the pre-agreed public key and private key to ensure the security of information transmission. After the consumption payment, the order verification, product delivery, and order verification stages are entered. After the transaction closed loop is completed, the virtual account is automatically released to ensure information encryption and security.

[0117] Among them, in a specific transaction order scenario, the process is as follows:

[0118] Step 1: The customer submits shopping instructions on the consumption platform as an unregistered person or refuses to authorize third-party payment, which is unified as a tourist identity. This triggers the tourist order generation module, which sends the information to the bank virtual account generation module and the e-commerce platform virtual account analysis module respectively.

[0119] Step 2: The client page jumps from the e-commerce platform to the bank H5 or mini program. The bank calls up the customer information (name, ID type, ID number, bank card number, mobile phone number, etc.) and queries the customer's account information in the bank system based on the customer's identity information.

[0120] ①If the information verification is correct, proceed to step 3;

[0121] ② Information verification failed: Transaction error message: Not a user of our bank. After opening an account in the bank, the bank will be responsible for the security of funds and confidentiality of information. You can use the virtual account provided by the bank to pay.

[0122] Step 3: The bank virtual account generation module generates a virtual account according to customer requirements, and sends it to the designated platform along with the collected visitor ID and order information. At the same time, the transaction funds are transferred from the real account to the virtual account, waiting to receive customer instructions for payment, and displaying the virtual account to the customer on the bank H5 or mini program page.

[0123] Step 4: The virtual account parsing module of the e-commerce platform receives the information transmitted by the bank and verifies it with the customer ID and order information transmitted by the visitor order generation module. After verification, the virtual account information is displayed to the customer on the e-commerce platform.

[0124] Step 5. The customer verifies the virtual account and order information displayed on the e-commerce platform, and clicks Submit to confirm payment.

[0125] Step 6: The bank virtual account generation module receives the customer's payment confirmation information and transfers funds from the virtual account to the e-commerce platform account, and freezes the virtual account payment function.

[0126] Step 7. The partner enters the product verification, delivery and receipt stages.

[0127] Step 8. After the customer confirms receipt of the goods, the bank deletes the virtual account used for this transaction.

[0128] In a specific scenario where a user applies for a refund, the process is as follows:

[0129] Steps 1 to 7 are the same as the above transaction order scenario;

[0130] Step 8. The customer initiates a refund application at the client order and submits the order for a refund.

[0131] Step 9. After the merchant reviews the information and agrees to the refund, he / she enters the refund agreement instruction at the order page and enters the customer refund process.

[0132] Step 10: The order sends a refund instruction to the virtual account parsing module of the e-commerce platform, and returns the virtual account information through the binding relationship between the virtual account and the e-commerce platform order number.

[0133] Step 11. After receiving the refund information, the virtual account triggers the payment function and returns the order amount.

[0134] Step 12. After the real bank account receives the refund, verify the packaging information and delete the virtual account.

[0135] The present application provides a transaction method based on a virtual account, which supports individuals to flexibly pay to complete fund transactions as visitors or unauthorized third-party platforms. The method and system effectively protects user privacy, increases funds, the number of users, and payment transactions without threatening security, and reduces the risks of third-party big data marketing push and telecommunications fraud, and has broad application prospects.

[0136] It should be noted that the acquisition, storage, use and processing of data in the technical solution of this application are in compliance with the relevant provisions of laws and regulations.

[0137] Based on the same inventive concept, the embodiments of the present application also provide a transaction device based on a virtual account, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of the problem solved by the transaction device based on a virtual account is similar to that of the transaction method based on a virtual account, the implementation of the transaction device based on a virtual account can refer to the implementation of the transaction method based on a virtual account, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the system described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceived.

[0138] like Figure 5 As shown, the transaction device based on a virtual account includes:

[0139] The visitor order submission module 401 is configured to generate first transaction order information in response to receiving an order submission operation of a user on the transaction platform, and send the first transaction order information, the visitor ID of the user and the account of the transaction platform to the bank side, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform;

[0140] A virtual account generation module 402 is configured to generate a virtual account corresponding to the user in response to receiving a virtual account generation operation of the user at the bank end, bind the virtual account with the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform;

[0141] The virtual account transaction module 403 is configured to, in response to determining that the second transaction order information and the visitor ID from the bank end match the first transaction order information and the visitor ID, perform transactions on the account of the transaction platform based on the virtual account.

[0142] In some optional methods of this embodiment, the virtual account generation operation includes filling in the identity information reserved by the user at the bank end, and the virtual account generation module includes:

[0143] a determination unit configured to determine whether the user has a real account at the bank according to the identity information, wherein the identity information includes at least one of a name, a certificate type, a certificate number, a bank account number, and a mobile phone number;

[0144] a virtual account generating unit, configured to generate a virtual account corresponding to the real account based on a pre-established virtual account data table in response to determining that the user has a real account at the bank end;

[0145] The error reporting unit is configured to prompt an error message to the user in response to determining that the user does not have a real account at the bank end, indicating that the transaction is not completed.

[0146] In some optional aspects of this embodiment, the virtual account data table stores a plurality of historical virtual accounts, and the virtual account generation unit is further configured to:

[0147] Using a random number generation method, removing the historical virtual account from a random generation range, and generating a virtual account corresponding to the real account;

[0148] Wherein, after generating a virtual account corresponding to the real account, the device is further configured to:

[0149] Establishing a first mapping relationship between the real account and a virtual account corresponding to the real account;

[0150] Establishing a second mapping relationship between the virtual account and the account of the trading platform;

[0151] The first mapping relationship and the second mapping relationship are stored as an account mapping relationship table.

[0152] In some optional aspects of this embodiment, the virtual account transaction module is further configured as follows:

[0153] Determining a transaction amount of the user according to payment information in the first transaction order information or the second transaction order information;

[0154] Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the transaction amount from the funds of the real account to the virtual account;

[0155] According to the second mapping relationship, the account of the trading platform corresponding to the virtual account is determined, and the transaction amount is transferred to the account of the trading platform to complete the payment of the transaction amount.

[0156] In some optional aspects of this embodiment, after the payment of the transaction amount is completed, the device further includes a freezing module, and the freezing module is configured to: freeze the payment function of the virtual account and only retain the collection function of the virtual account.

[0157] In some optional aspects of this embodiment, the device further includes a receipt confirmation module, and the receipt confirmation module is configured to:

[0158] In response to receiving a confirmation receipt operation of the user on the trading platform, determining third transaction order information corresponding to the confirmation receipt operation, and determining a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account;

[0159] The virtual account, the first mapping relationship and the second mapping relationship used by the third transaction order information are deleted from the account mapping relationship table.

[0160] In some optional aspects of this embodiment, the device further includes an order refund module, and the order refund module is configured to:

[0161] In response to receiving an order refund operation of the user on the trading platform, determining fourth transaction order information corresponding to the order refund operation, and determining a virtual account corresponding to the fourth transaction order information and an amount to be refunded according to a binding relationship between the fourth transaction order information and the virtual account;

[0162] Transferring the amount to be refunded from the account of the trading platform to the virtual account;

[0163] Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the amount to be refunded from the virtual account to the real account;

[0164] After the bank confirms that the real account has received the amount to be refunded, the virtual account, the first mapping relationship, and the second mapping relationship used by the fourth transaction order information are deleted from the account mapping relationship table.

[0165] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device and a readable storage medium.

[0166] An electronic device comprises: at least one processor; and a memory connected to the at least one processor in communication; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the steps of a virtual account-based transaction method of the aforementioned embodiment.

[0167] A non-transitory computer-readable storage medium storing computer instructions, wherein the computer instructions are used to cause a computer to execute the steps of a virtual account-based transaction method of the aforementioned embodiment.

[0168] Figure 6A schematic block diagram of an example electronic device 700 that can be used to implement an embodiment of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present disclosure described and / or required herein.

[0169] like Figure 6 As shown, the device 700 includes a computing unit 701, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 702 or a computer program loaded from a storage unit 708 into a random access memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the device 700 can also be stored. The computing unit 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0170] A number of components in the device 700 are connected to the I / O interface 705, including: an input unit 706, such as a keyboard, a mouse, etc.; an output unit 707, such as various types of displays, speakers, etc.; a storage unit 708, such as a disk, an optical disk, etc.; and a communication unit 709, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 709 allows the device 700 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0171] The computing unit 701 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the computing unit 701 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The computing unit 701 performs the various methods and processes described above, such as a virtual account-based trading method.

[0172] For example, in some embodiments, a transaction method based on a virtual account may be implemented as a computer software program, which is tangibly contained in a machine-readable medium, such as a storage unit 708. In some embodiments, part or all of the computer program may be loaded and / or installed on the device 700 via the ROM 702 and / or the communication unit 709. When the computer program is loaded into the RAM 703 and executed by the computing unit 701, one or more steps of the transaction method based on a virtual account described above may be performed. Alternatively, in other embodiments, the computing unit 701 may be configured to perform a transaction method based on a virtual account in any other appropriate manner (e.g., by means of firmware).

[0173] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0174] The program code for implementing the method of the present disclosure may be written in any combination of one or more programming languages. These program codes may be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that the program code, when executed by the processor or controller, enables the functions / operations specified in the flow chart and / or block diagram to be implemented. The program code may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0175] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0176] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0177] The systems and techniques described herein may be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), and the Internet.

[0178] A computer system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The relationship of client and server is generated by computer programs running on respective computers and having a client-server relationship with each other. The server may be a cloud server, a server of a distributed system, or a server combined with a blockchain.

[0179] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this disclosure can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of this disclosure can be achieved, and this document is not limited here.

[0180] The above specific implementations do not constitute a limitation on the protection scope of the present disclosure. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present disclosure shall be included in the protection scope of the present disclosure.

Claims

1. A transaction method based on a virtual account, characterized in that: include: In response to receiving an order submission operation from a user on a trading platform, generating first trading order information, and sending the first trading order information, the visitor ID of the user, and the account of the trading platform to a bank, wherein the user is a visitor who has not registered on the trading platform or whose identity information has not been authorized to the trading platform; In response to receiving a virtual account generation operation of the user at the bank, generating a virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating second transaction order information, and returning the second transaction order information and the visitor ID to the transaction platform; In response to determining that the second transaction order information and the visitor ID from the bank side match the first transaction order information and the visitor ID, a transaction is performed on the account of the transaction platform based on the virtual account.

2. The method according to claim 1, characterized in that The virtual account generation operation includes filling in the identity information reserved by the user at the bank end, and the response to receiving the virtual account generation operation of the user at the bank end, generating a virtual account corresponding to the user, including: Determine whether the user has a real account at the bank according to the identity information, wherein the identity information includes at least one of name, certificate type, certificate number, bank account number and mobile phone number; In response to determining that the user has a real account at the bank, generating a virtual account corresponding to the real account based on a pre-established virtual account data table; In response to determining that the user does not have a real account at the bank, an error message is prompted to the user and the transaction is not completed.

3. The method according to claim 2, characterized in that The virtual account data table stores a plurality of historical virtual accounts, and the generating of virtual accounts corresponding to the real accounts based on the pre-established virtual account data table includes: Using a random number generation method, removing the historical virtual account from a random generation range, and generating a virtual account corresponding to the real account; Wherein, after generating a virtual account corresponding to the real account, the method further includes: Establishing a first mapping relationship between the real account and a virtual account corresponding to the real account; Establishing a second mapping relationship between the virtual account and the account of the trading platform; The first mapping relationship and the second mapping relationship are stored as an account mapping relationship table.

4. The method according to claim 3, characterized in that The step of trading the account of the trading platform based on the virtual account comprises: Determining a transaction amount of the user according to payment information in the first transaction order information or the second transaction order information; Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the transaction amount from the funds in the real account to the virtual account; According to the second mapping relationship, the account of the trading platform corresponding to the virtual account is determined, and the transaction amount is transferred to the account of the trading platform to complete the payment of the transaction amount.

5. The method according to claim 4, characterized in that After completing the payment of the transaction amount, the method further includes: freezing the payment function of the virtual account and retaining only the payment collection function of the virtual account.

6. The method according to claim 3, characterized in that The method further comprises: In response to receiving a confirmation receipt operation of the user on the trading platform, determining third transaction order information corresponding to the confirmation receipt operation, and determining a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account; The virtual account, the first mapping relationship and the second mapping relationship used by the third transaction order information are deleted from the account mapping relationship table.

7. The method according to claim 5, characterized in that The method further comprises: In response to receiving an order refund operation of the user on the trading platform, determining fourth transaction order information corresponding to the order refund operation, and determining a virtual account corresponding to the fourth transaction order information and an amount to be refunded according to a binding relationship between the fourth transaction order information and the virtual account; Transferring the amount to be refunded from the account of the trading platform to the virtual account; Determine, according to the first mapping relationship, a real account corresponding to the virtual account, and transfer the amount to be refunded from the virtual account to the real account; After the bank confirms that the real account has received the amount to be refunded, the virtual account, the first mapping relationship, and the second mapping relationship used by the fourth transaction order information are deleted from the account mapping relationship table.

8. A transaction device based on a virtual account, characterized in that: include: A visitor order submission module is configured to generate first transaction order information in response to receiving an order submission operation of a user on a transaction platform, and send the first transaction order information, the visitor ID of the user and the account of the transaction platform to a bank end, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform; a virtual account generation module, configured to generate a virtual account corresponding to the user in response to receiving a virtual account generation operation of the user at the bank end, bind the virtual account with the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform; The virtual account transaction module is configured to, in response to determining that the second transaction order information and the visitor ID from the bank end match the first transaction order information and the visitor ID, conduct transactions on the account of the transaction platform based on the virtual account.

9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of a transaction method based on a virtual account as described in any one of claims 1 to 7 are implemented.

10. 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 a transaction method based on a virtual account as described in any one of claims 1 to 7 are implemented.

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