Accounting management method and device based on transaction sub-account, and related equipment

Abstract

The invention provides an accounting management method and device based on a transaction sub-account and related equipment, and the method comprises the steps: classifying the amount statistical value fields on a management account of a credit card, and obtaining a corresponding classification result; identifying a transaction sub-account generated in the credit card transaction process; and performing parameterization configuration on a plurality of specified fields of the transaction sub-accounts according to a classification result so as to map the transaction sub-accounts back to the management account. According to the scheme, the amount statistical value fields on the management account are classified, parameterization configuration is performed on the plurality of specified fields of the transaction sub-accounts according to the classification result, so that the transaction sub-accounts are mapped back to the management account, mapping of the original management account is realized on the basis of newly increasing the dimension of the transaction sub-accounts, the accounting framework is optimized, and the transaction efficiency is improved. And therefore, detailed, accurate and multivariate accounting management can be realized.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to an account management method, device and related equipment based on transaction sub-accounts. Background Art

[0002] At present, the processing of personal credit card business of banks is mainly product-centric. Account establishment, transaction accounting and pricing are all closely tied to the products. When a customer handles different credit card businesses or purchases different products at a bank, a set of exclusive accounting rules needs to be formulated for each new business product.

[0003] From a development perspective, the above accounting architecture has problems of parameter redundancy and low efficiency; from a business perspective, the above accounting architecture cannot achieve personalized customization for different entities and different scenarios, and cannot meet the complex credit card business needs. Summary of the invention

[0004] In view of this, an embodiment of the present invention provides an account management method based on transaction sub-accounts and related devices to optimize the account structure.

[0005] To achieve the above objectives, the embodiments of the present invention provide the following technical solutions:

[0006] A first aspect of an embodiment of the present invention discloses an account management method based on a transaction sub-account, the method comprising:

[0007] Classify the amount statistics field on the credit card management account to obtain the corresponding classification results;

[0008] Identify the transaction sub-account generated during the credit card transaction;

[0009] The plurality of designated fields of the transaction sub-account are parameterized and configured according to the classification result, so as to map the transaction sub-account back to the management account.

[0010] Preferably, the amount statistical value field on the credit card management account is classified to obtain corresponding classification results, including:

[0011] According to the transaction scenario, principal, interest, fees and cycle, the amount statistical value fields on the credit card management account are classified to obtain corresponding classification results.

[0012] Preferably, the multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, a belonging account type field and an associated sub-account field.

[0013] Preferably, it also includes:

[0014] In response to the transaction tracing instruction, the transaction of the credit card is traced back according to the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account.

[0015] A second aspect of an embodiment of the present invention discloses an account management device based on a transaction sub-account, the device comprising:

[0016] A classification unit is used to classify the amount statistical value field on the credit card management account to obtain corresponding classification results;

[0017] An identification unit, used to identify a transaction sub-account generated during the credit card transaction;

[0018] A mapping unit is used to parameterize the multiple designated fields of the transaction sub-account according to the classification result to map the transaction sub-account back to the management account.

[0019] Preferably, the classification unit is specifically used to classify the amount statistical value field on the credit card management account according to the transaction scenario, principal, interest, fee and cycle to obtain corresponding classification results.

[0020] Preferably, the multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, a belonging account type field and an associated sub-account field.

[0021] Preferably, it also includes:

[0022] The tracing unit is used to trace the transaction of the credit card in response to the transaction tracing instruction according to the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account.

[0023] A third aspect of an embodiment of the present invention discloses an electronic device, comprising: a processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; and the memory is used to store a program, wherein the program is used to implement the account management method based on transaction sub-accounts disclosed in the first aspect of the embodiment of the present invention.

[0024] A fourth aspect of an embodiment of the present invention discloses a computer-readable storage medium, in which computer-executable instructions are stored. The computer-executable instructions are used to execute the account management method based on transaction sub-accounts disclosed in the first aspect of the embodiment of the present invention.

[0025] Based on the above-mentioned embodiment of the present invention, an account management method, device and related equipment based on transaction sub-accounts are provided. The method is as follows: classify the amount statistical value fields on the management account of the credit card to obtain the corresponding classification results; identify the transaction sub-accounts generated during the credit card transaction process; parameterize the multiple specified fields of the transaction sub-accounts according to the classification results to map the transaction sub-accounts back to the management account. This solution classifies the amount statistical value fields on the management account, and then parameterizes the multiple specified fields of the transaction sub-accounts according to the classification results, so as to map the transaction sub-accounts back to the management account, and realizes the mapping of the original management account on the basis of the newly added transaction sub-account dimension, thereby optimizing the account structure, and then realizing detailed, accurate and diversified account management. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] 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 embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0027] Figure 1 A flowchart of an account management method based on a transaction sub-account provided by an embodiment of the present invention;

[0028] Figure 2 An example diagram of classification results of the amount statistics field on the management account provided by an embodiment of the present invention;

[0029] Figure 3 An example diagram of mapping a transaction sub-account back to a management account provided by an embodiment of the present invention;

[0030] Figure 4 An example diagram of the structure of a transaction sub-account provided in an embodiment of the present invention;

[0031] Figure 5 An example diagram of the full life cycle of a transaction provided by an embodiment of the present invention;

[0032] Figure 6 A structural block diagram of an account management device based on transaction sub-accounts provided by an embodiment of the present invention;

[0033] Figure 7 Another structural block diagram of an account management device based on transaction sub-accounts provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0034] 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.

[0035] In this application, the terms "comprises", "comprising" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, an element defined by the sentence "comprising a ..." does not exclude the presence of other identical elements in the process, method, article or device comprising the element.

[0036] In order to better understand the subsequent content, some of the terms involved in this plan are explained here:

[0037] Managed account: refers to the account opened by the credit card holder in the bank, which mainly records the statistical information of the amount of credit card transactions; according to the currency, managed accounts can be divided into RMB accounts and foreign currency accounts; according to the account type, managed accounts can be divided into ordinary overdraft accounts, installment accounts within the credit limit and special installment accounts.

[0038] Transaction sub-account: An account based on the transaction dimension. In theory, one transaction generates one transaction sub-account, which records the transaction amount, interest calculation, occupied quota and other information. The transaction sub-account is associated with the management account. There are multiple transaction sub-accounts under one management account, and one transaction sub-account belongs to only one management account.

[0039] Statement date: On a fixed day every month, the bank will summarize and settle all transactions and fees in the cardholder's credit card account and calculate interest, calculate the cardholder's total outstanding amount and minimum repayment amount, print out a statement and mail it to the customer for the cardholder to check, and remind the cardholder of the last date and repayment amount for repayment. This date is the cardholder's credit card billing date.

[0040] Cycle: Credit cards issue bills once a month, and the cycles are divided according to the billing date; for ordinary overdraft accounts, the cycles can be divided into current, new past periods and existing past periods; for installment accounts, the cycles can be divided into unexpired, expired and expired.

[0041] Debit: The amount of money that a customer overdraws using a credit card.

[0042] Credit: Money deposited by customers into the bank.

[0043] As can be seen from the background technology, the current processing of bank credit card personal business is mainly product-centric. Account establishment, transaction accounting and pricing are all closely tied to the products. When a customer handles different credit card businesses or purchases different products at a bank, a set of exclusive accounting rules needs to be formulated for each new business product.

[0044] From a development perspective, the above accounting architecture has problems of parameter redundancy and low efficiency; from a business perspective, the above accounting architecture cannot achieve personalized customization for different entities and different scenarios, and cannot meet the complex credit card business needs; that is, the traditional accounting architecture has already met the growing business needs.

[0045] To solve the above problems, this solution proposes an account management method, device and related equipment based on transaction sub-accounts. A transaction sub-account dimension is added under the management account dimension. Transaction sub-accounts can be opened freely based on the business type and scenario of the transaction. The transaction sub-accounts will also be mapped back to the management account according to certain rules, thereby optimizing the account structure and realizing detailed, accurate and diversified account management.

[0046] It should be noted that before the transaction sub-account dimension was added, the amount information generated by the transaction was saved in the form of statistical values ​​in the credit card management account; after the transaction sub-account dimension was added, although it is convenient for the business to conduct differentiated transaction pricing, for customers or credit card downstream related consumption systems, they pay more attention to management accounts, so the optimization of the account structure cannot affect the operation of the existing system.

[0047] In view of the above situation, this solution retains the statistical values ​​on the management account and maps the transaction sub-account back to the management account according to certain rules; however, with the expansion of subsequent business, the types of transaction sub-accounts will increase. In order to facilitate business personnel to customize new transaction scenarios without changing the original main structure, this solution also performs unified parameter configuration of transaction sub-accounts according to the credit card business scenario, thereby facilitating the mapping of transaction sub-accounts and management accounts; the following describes this solution in detail through various embodiments.

[0048] See also Figure 1 , shows a flow chart of an account management method based on a transaction sub-account provided by an embodiment of the present invention, the account management method comprising:

[0049] Step S101: classify the amount statistical value fields on the credit card management account to obtain corresponding classification results.

[0050] In the specific implementation of step S101, the amount statistical value field on the credit card management account is classified according to the transaction scenario, principal, interest, fee and cycle to obtain the corresponding classification result.

[0051] Specifically, the amount statistics field on the credit card management account can be divided into five categories according to the transaction scenario: cash, consumption, internal expenses, installment and credit; it can be divided into three categories according to principal, interest and fees; and it can be divided into: "unexpired" of the installment account cycle, current period ("expired" of the installment account cycle), newly added past periods ("expired" of the installment account cycle), and existing past periods ("expired" of the installment account cycle).

[0052] For example, by classifying the amount statistics field on the credit card management account according to the transaction scenario, principal, interest, fee, and cycle, you can get the following: Figure 2 The classification results are shown.

[0053] It is understandable that the classification result obtained by classifying the amount statistical value field on the credit card management account can be used as an abstract classification rule.

[0054] Step S102: Identify the transaction sub-account generated during the credit card transaction process.

[0055] In the specific implementation of step S102, when a credit card is used for a transaction, a transaction sub-account generated by the credit card during the transaction is identified.

[0056] Step S103: parameterize and configure multiple designated fields of the transaction sub-account according to the classification result to map the transaction sub-account back to the management account.

[0057] In the specific implementation of step S103, after the transaction sub-account is identified, multiple designated fields of the transaction sub-account are parameterized according to the classification result (i.e., the abstracted classification rule) obtained by classifying the amount statistical value field on the credit card management account, so as to map the transaction sub-account back to the management account. That is, multiple designated fields of the transaction sub-account are parameterized according to the classification rule, so as to realize the mapping of the transaction sub-account to the management account.

[0058] In some embodiments, the multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, an account type field, an associated sub-account field, a transaction sub-account type lending nature field, a transaction sub-account type classification mask number field, a transaction sub-account type number field corresponding to the generated interest, a "whether the credit balance is allowed to participate in repayment" field, a transaction sub-account mapping management account balance sequence number field, an enable flag field, a creation date field, an enable date field, a deactivation date field, a last change date field, and a remarks field.

[0059] It is understandable that the multiple designated fields of the transaction sub-account mentioned above can be represented by corresponding characters. Some designated fields of the transaction sub-account and their character relationships are detailed in the contents shown in Table 1.

[0060] Table 1:

[0061]

[0062]

[0063] The details of the multiple specified fields of the trading sub-account in Table 1 above are:

[0064] The trading sub-account type code COD_TBS is used as a unique code to distinguish different types of trading sub-accounts;

[0065] The name of the transaction sub-account type is NAM_TBS, which records the Chinese description of this sub-account;

[0066] Account type VLU_BAL_ACC_TYP, which identifies the management account type to which the trading sub-account belongs;

[0067] The transaction subaccount type loan nature VLU_TBS_DBCR distinguishes whether the transaction subaccount is a debit subaccount or a credit subaccount;

[0068] The transaction sub-account type classification mask IND_TBS_CATG identifies the nature of the transaction sub-account type. For example, the first digit of the field distinguishes between principal, interest and fees, and the second digit distinguishes between consumption and cash withdrawal, etc.

[0069] Generate interest corresponding to the transaction sub-account type number COD_TBS_INTS, which is used to generate a new interest sub-account when the sub-account bill pays interest;

[0070] Whether the credit balance is allowed to participate in repayment VLU_RPAY_CR determines whether the credit transaction sub-account can be used for repayment;

[0071] The transaction sub-account mapping management account balance sequence number VLU_BAL_MAP_* stores the balance statistics field on the management account corresponding to this type of sub-account. * represents the period (i.e. VLU_BAL_MAP_0 to VLU_BAL_MAP_3 in Table 1).

[0072] Enable flag VLU_REC_ACTV, indicating whether the parameter is enabled;

[0073] Creation date DATE_OPEN, activation date DATE_USE, deactivation date DATE_CLOSE, and last change date DATE_UPD_LAST, which respectively indicate the time of creation, activation, deactivation, and last change;

[0074] Remarks TXT_REM, stores spare information.

[0075] According to the classification result (i.e. the abstracted classification rule) obtained by classifying the amount statistical value field on the credit card management account, the specified fields of the transaction sub-account shown in the above Table 1 are parameterized to map the transaction sub-account back to the management account.

[0076] For example Figure 3 As can be seen from the example diagram showing the mapping of transaction sub-accounts back to management accounts, according to the classification result obtained by classifying the amount statistical value field on the credit card's management account (i.e. the abstracted classification rule), the designated fields of each transaction sub-account generated by the credit card transaction are parameterized, thereby mapping the transaction sub-account back to the management account.

[0077] It should be noted that trading sub-accounts can be divided into three categories: principal, interest and fees. The principal and fee trading sub-accounts generally do not change, but each principal and fee trading sub-account will generate a new interest trading sub-account on the billing date, and each interest trading sub-account will generate a compound interest trading sub-account;

[0078] In order to make transactions transparent and reduce customer disputes, this solution adds a new associated sub-account field to the transaction sub-account, and associates a transaction with all its derived transaction sub-accounts in the accounting process in a bidirectional linked list structure. For example, the structure of a transaction sub-account is as follows: Figure 4 shown.

[0079] The associated sub-account field of a transaction sub-account contains the parent sub-account account number and child sub-account account number related to the transaction sub-account. Therefore, the associated sub-account field of the transaction sub-account can be used to trace back the credit card transactions.

[0080] In some embodiments, in response to a transaction tracing instruction, the credit card transaction is traced based on the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account.

[0081] To better explain how to trace credit card transactions, the following Figure 5 The following is an example diagram of the full life cycle of a transaction:

[0082] like Figure 5 As shown in the example diagram of the full life cycle of a transaction, a credit card transaction is made, and the transaction generates three transaction sub-accounts: transaction sub-account A, transaction sub-account B, and transaction sub-account C;

[0083] Among them, trading sub-account A and trading sub-account B are interest-free of Class G, and trading sub-account C is non-interest-free of Class U; at the same time, the interest rates of these three trading sub-accounts are set respectively: Interest Rate A, Interest Rate B and Interest Rate C.

[0084] At 1:00 on the statement date, trading sub-account A and trading sub-account B meet the interest-free conditions and do not pay interest. Trading sub-account C is not interest-free and pays interest, generating trading sub-account C1 (interest sub-account);

[0085] On the penalty collection date, a transaction sub-account D corresponding to the penalty is generated because the customer does not repay the money;

[0086] On the next statement date 2, since trading sub-account A and trading sub-account B do not meet the interest-free conditions, trading sub-account A and trading sub-account B are respectively paid interest to generate trading sub-account A1 and trading sub-account B1 corresponding to the interest, and trading sub-account C continues to pay interest to generate trading sub-account C2 corresponding to the interest, while trading sub-account C1 also pays interest to generate trading sub-account C3 corresponding to the compound interest;

[0087] According to the structure of transaction sub-accounts proposed in this solution, whether it is to trace back the content "transaction sub-account C3 is generated by transaction sub-account C" from transaction sub-account C3, or to query the transaction sub-account C1 and transaction sub-account C3 corresponding to the amount of interest generated under a transaction C, the transaction can be traced back.

[0088] From the contents of the above embodiments, it can be seen that this solution realizes the mapping of transaction sub-accounts to management accounts through parameterized configuration. In the process of adding transaction sub-account dimensions, the account architecture remains unchanged externally, which is compatible with the credit card balance architecture and supports transaction-level differentiated pricing. In addition, the parent sub-account account number and the child sub-account account number are recorded in the transaction sub-account to realize the mutual association between transaction sub-accounts and the process traceability of the entire life cycle of the account.

[0089] Corresponding to the account management method based on transaction sub-accounts provided in the above embodiment of the present invention, see Figure 6 , the embodiment of the present invention also provides a structural block diagram of an account management device based on a transaction sub-account, the account management device includes: a classification unit 100, an identification unit 200 and a mapping unit 300;

[0090] The classification unit 100 is used to classify the amount statistical value field on the credit card management account to obtain corresponding classification results.

[0091] In a specific implementation, the classification unit 100 is specifically used to classify the amount statistical value field on the credit card management account according to the transaction scenario, principal, interest, fee and cycle to obtain the corresponding classification result.

[0092] The identification unit 200 is used to identify the transaction sub-account generated during the credit card transaction process.

[0093] The mapping unit 300 is used to parameterize the multiple designated fields of the transaction sub-account according to the classification result, so as to map the transaction sub-account back to the management account.

[0094] In some embodiments, the multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, an account type field, and an associated sub-account field.

[0095] In an embodiment of the present invention, the amount statistical value fields on the management account are classified, and then multiple designated fields of the transaction sub-account are parameterized according to the classification results, so that the transaction sub-account is mapped back to the management account, and the mapping of the original management account is realized on the basis of the newly added transaction sub-account dimension, thereby optimizing the account structure and realizing detailed, accurate and diversified account management.

[0096] Preferably, combined Figure 6 , see Figure 7 , shows another structural block diagram of an account management device based on a transaction sub-account provided by an embodiment of the present invention, the account management device also includes:

[0097] The tracing unit 400 is used to trace back the credit card transaction according to the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account in response to the transaction tracing instruction.

[0098] Preferably, an embodiment of the present invention further provides an electronic device, comprising: a processor and a memory, the processor and the memory being connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; the memory is used to store a program, and the program is used to implement the account management method based on transaction sub-accounts provided in the above method embodiment.

[0099] Preferably, an embodiment of the present invention further provides a computer-readable storage medium, in which computer-executable instructions are stored, and the computer-executable instructions are used to execute the account management method based on transaction sub-accounts provided by the above method embodiment.

[0100] In summary, the embodiments of the present invention provide an account management method, apparatus and related equipment based on transaction sub-accounts, which classify the amount statistical value fields on the management account, and then parameterize the multiple specified fields of the transaction sub-account according to the classification results, so as to map the transaction sub-account back to the management account, and realize the mapping of the original management account on the basis of the newly added transaction sub-account dimension, thereby optimizing the account structure and realizing detailed, accurate and diversified account management.

[0101] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system or system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiment. The system and system embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without creative work.

[0102] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of the present invention.

[0103] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the scope of the present invention. Therefore, the present invention will not be limited to the embodiments shown herein, but rather to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. An account management method based on transaction sub-accounts, characterized in that: The method comprises: Classify the amount statistics field on the credit card management account to obtain the corresponding classification results; Identify the transaction sub-account generated during the credit card transaction; The plurality of designated fields of the transaction sub-account are parameterized and configured according to the classification result, so as to map the transaction sub-account back to the management account.

2. The method according to claim 1, characterized in that Classify the amount statistics field on the credit card management account to obtain the corresponding classification results, including: According to the transaction scenario, principal, interest, fees and cycle, the amount statistical value fields on the credit card management account are classified to obtain corresponding classification results.

3. The method according to claim 1 or 2, characterized in that: The multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, an account type field and an associated sub-account field.

4. The method according to claim 3, characterized in that Also includes: In response to the transaction tracing instruction, the transaction of the credit card is traced back according to the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account.

5. An account management device based on transaction sub-accounts, characterized in that: The device comprises: A classification unit is used to classify the amount statistical value field on the credit card management account to obtain corresponding classification results; An identification unit, used to identify a transaction sub-account generated during the credit card transaction; A mapping unit is used to parameterize the multiple designated fields of the transaction sub-account according to the classification result to map the transaction sub-account back to the management account.

6. The device according to claim 5, characterized in that The classification unit is specifically used to classify the amount statistical value field on the credit card management account according to the transaction scenario, principal, interest, fee and cycle, and obtain corresponding classification results.

7. The device according to claim 5 or 6, characterized in that The multiple designated fields of the transaction sub-account include at least: a transaction sub-account type number field, a transaction sub-account type name field, an account type field and an associated sub-account field.

8. The device according to claim 7, characterized in that Also includes: The tracing unit is used to trace the transaction of the credit card in response to the transaction tracing instruction according to the parent sub-account account number and the child sub-account account number in the associated sub-account field of the transaction sub-account.

9. An electronic device, characterized in that: include: A processor and a memory, wherein the processor and the memory are connected via a communication bus; wherein the processor is used to call and execute a program stored in the memory; The memory is used to store a program, and the program is used to implement the account management method based on transaction sub-accounts as described in any one of claims 1-4.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to execute the account management method based on transaction sub-accounts as described in any one of claims 1-4.

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