Payment account opening method, payment management system and device
Technical Field
The present application relates to the field of electronic payment technologies, and in particular, to an account opening method, a payment management system, and an apparatus for a payment account.
Background
With the continuous development of scientific technology, the shopping payment mode has gradually evolved from cash payment mode to electronic payment mode. The use of cash has been gradually reduced, and then the existing payment management systems have low management efficiency and cannot meet the needs of users. When a user has an account opening requirement for opening a new bank account, a stock account and the like, the user needs to go to a physical website for handling. The physical network worker compares whether the user himself is consistent with the identity document held by the user himself, and the user can be allowed to open the account only if the identity document is judged to be consistent. This traditional way of opening an account is unfavorable for the user to open an account efficiently.
Technical solution
The application provides an account opening method, a payment management system and a device of a payment account, and aims to solve the problems that in the prior art, the account opening process of a user is complex and tedious.
In order to solve the technical problem, the application provides an account opening method for a payment account, which is applied to a payment management system, wherein the payment management system at least comprises an external system, a client system and an account system;
the account opening method of the payment account comprises the following steps:
the external system sends an account opening application instruction of a client to the client system;
the client system receives the account opening application instruction and judges whether the client has a client number according to the account opening application instruction;
if not, the client system generates the client number according to the account opening application instruction, and the account system opens a main account according to the client number;
and the account system returns a first account opening result to the client system and the external system.
After the account system opens the primary account according to the customer number, the account opening method comprises the following steps:
and the account system opens a sub-account under the main account according to the customer number, wherein the sub-account inherits the function of the main account.
After the step of opening a sub-account under the main account by the account system according to the customer number, the account opening method comprises the following steps:
and the account system sets a functional account under the sub-account according to the customer number.
After the step of opening the sub-account by the account system according to the customer number, the account opening method comprises the following steps:
the account system sets a functional account under the main account according to the customer number, and the sub-account inherits the functional account of the main account;
the functional accounts opened by the main account comprise a balance account, an account to be settled and a commission account.
Wherein the function account comprises a first function account and a second function account;
the account system sets a functional account under the main account according to the customer number, and after the step that the sub-account inherits the functional account of the main account, the account opening method comprises the following steps:
the account system sets the first functional account under the main account according to the customer number, and the sub-account inherits the first functional account of the main account;
and the account system sets the second functional account under the sub-account according to the customer number.
Wherein the payment management system further comprises a third party account system;
after the step of opening the main account by the account system according to the customer number, the account opening method comprises the following steps:
the account system judges whether to go to a third party for opening an account according to the account opening application instruction;
and if so, the third-party account system opens a third-party account according to the customer number and returns a second account opening result to the account system, wherein the second account opening result comprises the third-party account.
After the step of opening a third-party account by the third-party account system according to the customer number and returning a second account opening result to the account system, the account opening method comprises the following steps:
the account system receives the second account opening result and updates the primary account according to the second account opening result;
and the account system returns a third opening result to the client system and the external system, wherein the third opening result comprises the updated main account and the third party account.
The payment management system further comprises a front gateway, and the front gateway is in communication connection with the external system and the client system respectively;
the step of sending an account opening application instruction of a client to the client system by the external system comprises the following steps:
the external system sends an account opening application instruction of a client to the front gateway;
and the front gateway performs interface validity check on the account opening application instruction, and forwards the account opening application instruction to the client system after the check is passed.
Wherein the interface specifies the customer number and an account type.
In order to solve the above technical problem, the present application provides a payment management system, which includes at least an external system, a client system, and an account system;
the external system is used for sending an account opening application instruction of a client to the client system;
the client system is used for receiving the account opening application instruction and judging whether the client has a client number according to the account opening application instruction;
if not, the client system is further used for generating the client number according to the account opening application instruction, and the account system is used for opening a main account according to the client number;
the account system is further configured to return a first account opening result to the client system and the external system.
In order to solve the technical problem, the present application provides a payment management device, where the payment management device is equipped with the payment management system, and the payment management system is configured to execute the account opening method for the payment account.
Different from the prior art, the beneficial effects of this application lie in: the external system sends an account opening application instruction of the client to the client system; the client system receives the account opening application instruction and judges whether the client has a client number according to the account opening application instruction; if not, the client system generates a client number according to the account opening application instruction, and the account system opens a main account according to the client number; the account system returns the first account opening result to the client system and the external system. The account opening method for the payment account can automatically open the main account according to the client number based on the account opening application instruction of the client, and improves the working efficiency of the payment management system.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart diagram illustrating a first embodiment of a method for opening an account for a payment provided herein;
FIG. 2 is a schematic flow chart diagram illustrating a second embodiment of a payment account opening method provided by the present application;
FIG. 3 is a schematic diagram of the structure of the main sub-account architecture in the embodiment of FIG. 2;
FIG. 4 is a schematic flow chart diagram illustrating a third embodiment of a payment account opening method provided by the present application;
FIG. 5 is a schematic structural diagram of a main sub-account architecture in the embodiment of FIG. 4;
FIG. 6 is a schematic flow chart diagram illustrating a fourth embodiment of a payment account opening method provided by the present application;
FIG. 7 is a schematic block diagram of an embodiment of a payment management system provided herein;
FIG. 8 is a schematic diagram of another embodiment of a payment management system provided herein;
fig. 9 is a schematic structural diagram of an embodiment of a payment management apparatus provided in the present application.
Modes for carrying out the invention
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order to solve the problem that the traditional account opening method is complex and tedious, the application provides an account opening method for a payment account. Referring to fig. 1 in detail, fig. 1 is a schematic flowchart of a first embodiment of a payment account opening method provided in the present application, where the payment account opening method is applied to a payment management system.
The payment management system at least comprises an external system, a client system and an account system. The external system may include a system of a foreground business department and/or a system of a customer, where the customer may be an individual or a merchant, and the merchant may be an enterprise. The client system is used for managing client information registered in the payment management system, such as a client number and the like; the account system is used for managing the account opened in the payment management system, and the specific functions comprise account opening, account updating, account logout and the like.
As shown in fig. 1, the account opening method for a payment account of this embodiment specifically includes the following steps:
s101: and the external system sends an account opening application instruction of the client to the client system.
When a customer needs to open an account, the external system receives an account opening application instruction of the customer and sends the account opening application instruction to the customer system. For each individual or merchant generated under an external user hierarchy, a unique customer number needs to be generated in the customer system.
S102: the client system receives the account opening application instruction and judges whether the client has the client number according to the account opening application instruction.
The client system receives the account opening application instruction and analyzes the client information in the account opening application instruction. For example, the account opening application instruction may include information such as application time, application interface, application bank, and the like.
The client system further judges whether the client number of the client is stored in the system according to the account opening application instruction. The client number is a unique number that the client system generates to the client when the client registers in the client system. The client system can learn whether the client is registered or not by inquiring whether the corresponding client number is stored or not. When the client number does not exist, the flow proceeds to step S103.
Further, before the client system receives the account opening application instruction, the payment management system may further detect whether the account opening application instruction is legal. Specifically, the payment management system further comprises a front gateway, and the front gateway establishes communication connection with the external system and the client system respectively. The front gateway is used for connecting two network segments using different transmission protocols, and when the external system and the client system use different transmission protocols, the front gateway can perform mutual translation conversion on data using different transmission protocols in the two network segments.
Specifically, the external system sends an account opening application instruction of the client to the front-end gateway, and the front-end gateway performs interface validity check on the account opening application instruction. When the account opening application instruction passes through the interface validity check, the front gateway forwards the account opening application instruction to the client system; when the account opening application instruction cannot pass through the interface validity check, the preposed gateway rejects the account opening application instruction and returns error information to an external system, wherein the error information comprises the position of a format error in the account opening application instruction.
S103: the client system generates a client number according to the account opening application instruction, and the account system opens a main account according to the client number.
When the client system does not have the client number of the client, the client system registers the client according to the client information in the account opening application instruction and generates the client number. The customer system further sends the customer number to the account system. And the account system sets up a unique corresponding main account according to the customer number.
In other embodiments, when the customer system already has a customer number for the customer, the customer system retrieves the stored customer number and sends the customer number to the account system.
S104: the account system returns the first account opening result to the client system and the external system.
And after the account system successfully opens the account or finishes opening the account, returning the first account opening result to the client system, and returning the first account opening result to the external system by the client system.
When the account system opens an account successfully, the first account opening result at least comprises a main account number, a main account password, a main account name, a configured main account interface and the like.
When account opening of the account system fails, the first account opening result at least comprises account opening error information.
In this embodiment, the external system sends an account opening application instruction of the client to the client system; the client system receives the account opening application instruction and judges whether the client has a client number according to the account opening application instruction; if not, the client system generates a client number according to the account opening application instruction, and the account system opens a main account according to the client number; the account system returns the first account opening result to the client system and the external system. The account opening method for the payment account can automatically open the main account according to the client number based on the account opening application instruction of the client, and improves the working efficiency of the payment management system.
After S103 in the embodiment shown in fig. 1, the present application further proposes another specific account opening method for a payment account. Referring to fig. 2, fig. 2 is a schematic flowchart illustrating a second embodiment of a payment account opening method provided in the present application.
As shown in fig. 2, the account opening method for a payment account of this embodiment specifically includes the following steps:
s201: and the account system opens a sub-account under the main account according to the customer number, wherein the sub-account inherits the function of the main account.
With reference to the schematic diagram of the main and sub-account system in fig. 3, after the account system completes opening the main account, the account system may further open a sub-account under the main account according to the customer number. In the account opening method for the payment account, a level 1 or level 2 sub-account can be opened under a main account. As shown in fig. 3, there are a total of three levels of account levels in the primary and secondary account hierarchies, primary account-secondary account.
The primary sub-account inherits the function of the main account, and the secondary sub-account continues the function of the primary sub-account corresponding to the superior sub-account.
S202: and the account system sets a functional account under the sub-account according to the customer number.
And the main account and the sub-account can be opened with functional accounts, and the functional accounts are opened according to different requirements. The function account is also called a transaction account, and all transactions occur under the function account, such as a basic account, an account to be settled, and the like.
In this embodiment, the account system opens the functional account under the sub-account according to the customer number, and because the sub-account inherits the function of the main account, when the functional account is opened under the sub-account, the main account is not provided with the functional account.
After S103 in the embodiment shown in fig. 1, the present application further proposes another specific account opening method for a payment account. Referring to fig. 4, fig. 4 is a schematic flowchart of a third embodiment of a payment account opening method provided in the present application.
As shown in fig. 4, the account opening method for a payment account of this embodiment specifically includes the following steps:
s301: and the account system opens the sub-account under the main account according to the customer number.
With reference to the schematic diagram of the main and sub-account system in fig. 5, after the account system completes opening the main account, the account system may further open a sub-account under the main account according to the customer number. In the account opening method for the payment account, a level 1 or level 2 sub-account can be opened under a main account. As shown in fig. 5, there are a total of three levels of account levels in the primary sub-account hierarchy, primary account-primary sub-account-secondary sub-account.
The primary sub-account inherits the function of the main account, and the secondary sub-account continues the function of the primary sub-account corresponding to the superior sub-account.
S302: the account system sets up a first functional account under the main account according to the customer number, and the sub-account inherits the first functional account of the main account.
When the account system opens the first functional account under the main account according to the customer number, the primary sub-account automatically inherits the first functional account of the main account due to the inheritance relationship of the sub-accounts to the main account, and meanwhile, the secondary sub-account also opens the first functional account by inheriting the primary sub-account.
S303: and the account system opens a second functional account under the sub-account according to the customer number.
When the account system opens the second functional account under the sub-account according to the customer number, the main account is not affected or changed. For example, as shown in fig. 5, when the primary sub-account opens the second functional account, the corresponding secondary sub-account inherits the second functional account, and the primary account is not changed.
After S103 in the embodiment shown in fig. 1, the present application further proposes another specific account opening method for a payment account. Referring to fig. 6, fig. 6 is a schematic flowchart illustrating a fourth embodiment of a payment account opening method provided in the present application.
As shown in fig. 6, the account opening method for a payment account of this embodiment specifically includes the following steps:
s401: and the account system judges whether to go to a third party for opening an account according to the account opening application instruction.
The payment management system further comprises a third-party account system, and the third-party account system is in communication connection with the account system. When the account system cannot meet all account opening tasks in the account opening application instruction, the account system needs to call a third-party account system to open an account.
S402: and the third-party account system opens a third-party account according to the customer number and returns a second account opening result to the account system, wherein the second account opening result comprises the third-party account.
S403: and the account system receives the second account opening result and updates the main account according to the second account opening result.
S404: and the account system returns a third opening result to the client system and the external system, wherein the third opening result comprises the updated main account and the third party account.
And after the account system updates the main account according to the second account opening result, returning the obtained third-party account result to the client system, and returning the third account opening result to the external system by the client system.
In order to solve the problem that the conventional account opening mode is complex and tedious at present, the application also provides a specific payment management system. Referring to fig. 7, fig. 7 is a schematic structural diagram of an embodiment of a payment management system provided in the present application.
As shown in fig. 7, the payment management system 100 includes at least an external system 11, a client system 12, and an account system 13.
The external system 11 is configured to send an account opening request instruction of the client to the client system 12.
The client system 12 is configured to receive an account opening application instruction, and determine whether the client has a client number according to the account opening application instruction.
If not, the client system 12 is further configured to generate a client number according to the account opening application instruction, and the account system 13 is configured to open a primary account according to the client number.
The account system 13 is also used to return the first account opening result to the client system 12 and the external system 11.
The account system 13 is further configured to open a sub-account according to the customer number, where the sub-account inherits the function of the main account.
The account system 13 is further configured to set a functional account under the primary account according to the customer number, and the sub-account inherits the functional account of the primary account.
The functional accounts opened by the main account comprise a balance account, an account to be settled and a commission account.
In order to solve the problem that the conventional account opening mode is complex and tedious at present, the application also provides another specific payment management system. Referring to fig. 8, fig. 8 is a schematic structural diagram of another embodiment of the payment management system provided in the present application.
As shown in fig. 8, the payment management system 200 includes at least an external system 21, a client system 22, an account system 23, a front gateway 24, and a third party account system 25.
The account system 23 is configured to determine whether to open an account with a third party according to the account opening application instruction.
If so, the third-party account system 25 is configured to open a third-party account according to the customer number, and return a second account opening result to the account system 23, where the second account opening result includes the third-party account.
The external system 21 is further configured to send an account opening application instruction of the client to the front gateway 24;
the front gateway 24 is used for checking the interface validity of the account opening application instruction and forwarding the account opening application instruction to the client system 22 after the check is passed.
In order to solve the problem that the conventional account opening mode is complex and tedious at present, the application also provides a specific payment management device. Referring to fig. 9, fig. 9 is a schematic structural diagram of an embodiment of a payment management apparatus provided in the present application.
The payment management apparatus 300 mounts the payment management system 31 in the above embodiment, and the payment management system 31 is used to execute the account opening method of the payment account in the above embodiment.
The above description is only an embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes performed by the present specification and drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.