CN112258182A - Shared account based on multi-target management - Google Patents
Shared account based on multi-target management Download PDFInfo
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- CN112258182A CN112258182A CN202011174448.7A CN202011174448A CN112258182A CN 112258182 A CN112258182 A CN 112258182A CN 202011174448 A CN202011174448 A CN 202011174448A CN 112258182 A CN112258182 A CN 112258182A
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- 238000013461 design Methods 0.000 description 4
- 238000004891 communication Methods 0.000 description 2
- 239000006185 dispersion Substances 0.000 description 2
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- 238000012545 processing Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
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- 238000012986 modification Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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Abstract
The invention discloses a multi-target management-based shared account, which comprises the following steps: the method comprises the steps that a plurality of users are provided, each user comprises a personal account and one or more newly-built shared accounts, the personal account of each user is associated with each newly-built shared account by default, the newly-built shared account of one user responds to other user requests and is associated with the personal accounts of the users, the personal account fund operation of each user does not need to be remitted into the shared account through permission, and the shared account fund outflow does not need to be permitted through permission or partial or all permission of the associated accounts. The invention is more convenient for managing the collective funds in the shared account, and the collective funds can be easily used by all users of the shared funds; the collective common fund account in the shared account is clear and transparent.
Description
Technical Field
The invention relates to shared account fund management. More particularly, the present invention relates to a shared account based on multi-target management.
Background
At present, people all make an economic independence, but every person has social attributes, and has no absolutely independent individual, every person can more or less intersect with the society, in life and work, common expenses are needed in many times, most common phenomena that couples, couples and colleagues have a part of common funds economically, common living expenses among couples and couples, expenses of joint activities between colleagues and friends, even common fund flows … … of one family in a business system are various, and refraction problems exist, or the common funds account is not clear and opaque, and consumption conditions can not be reflected in real time; or the consumption name is complicated and the bookkeeping is troublesome; or the shared funds in the account can only be used by the account himself. The traditional solutions are that one person takes the place of collection, storage and payment, accounting and payment for a fund keeper are hard and troublesome, and the money is not clear although the money is little for others, so that all people feel uncomfortable in mind.
How to design a multi-target management-based shared account which can be used together for supervision and has clear accounts and real-time account flow reflection is an urgent problem to be solved.
Disclosure of Invention
The invention discloses a shared account based on multi-target management in order to overcome the defects of the prior art.
One objective of the present invention is to design a multi-objective management-based shared account, which can be used together for supervision, with clear accounts, and can reflect the running of accounts in real time.
To achieve these objects and other advantages in accordance with the purpose of the invention, there is provided a multi-objective management-based shared account, including: the method comprises the following steps that a plurality of users are provided, each user comprises a personal account and one or more newly-built shared accounts, the personal account of each user is associated with each newly-built shared account by default, the newly-built shared account of one user responds to other user requests and is associated with the personal accounts of the users, the personal account fund operation of each user does not need to be remitted into the shared account through permission, and the shared account fund outflow does not need to be permitted or is permitted by partial or all associated accounts;
each associated user checks and prints the fund entering and exiting condition of the shared account through a bill function;
the shared account balance is allocated to individual accounts of each associated user.
Preferably, the names of the shared accounts are set by associated users, the associated users of each shared account are provided with independent chat rooms, and the fund access conditions and the chat records of the shared accounts are displayed in the chat rooms in real time.
Preferably, the associated users of the shared account can edit their own fund names and display them in the chat room in real time.
Preferably, each shared account is provided with a function of allocating the resolution period and the balance proportion, the function is freely closed, and the setting needs to pass through the permission of all associated users.
Preferably, after the balance is automatically returned to each associated user, the shared account automatically disconnects each associated user;
when the balance of the sharing account is '0', the sharing account automatically disconnects each associated user;
when the resolution period of the shared account is up, the balance is automatically returned to each associated user, and each associated user is disconnected.
Preferably, the balance users of the shared account actively return to each associated user, and need to pass permission of all associated accounts.
Preferably, each shared account is provided with a fund flow-out auditing function, the auditing function is freely closed, and the opening of the auditing function needs to be permitted by all associated users.
Preferably, each shared account is provided with an independent shared password, the function of the shared password is freely closed, the shared password set by each shared account needs to be permitted by all associated users, and the shared password is automatically pushed to each user.
Preferably, the user adds to the address book through an account, and associates each user through the address book or a code scan.
The invention at least comprises the following beneficial effects: because each user has a personal account and a newly-built shared account, wherein one user is associated with the personal accounts of other users, the personal account fund of each user can be freely imported into the shared account, and the fund of the shared account can be exported without permission or with permission of part or all of the associated accounts, the management of collective shared fund in the shared account is more convenient, the use of the collective shared fund is easier, and the collective shared fund can be used by all users of the shared fund; because each associated user checks and prints the fund entering and exiting condition of the shared account through the bill function, the collective shared fund accounts in the shared account are clear and transparent, and mutual supervision is facilitated; the collective shared fund in the shared account has a balance automatic distribution and return mechanism, so the cost of the collective shared fund is fair and fair; because each associated user of each shared account is provided with an independent chat room, and the fund access condition and the chat records of the shared accounts are displayed in the chat room in real time, the real-time communication of the use of the collective shared fund is realized, the use is convenient, and the account is clear; because each sharing account is provided with the function of distributing the resolution period and the balance proportion, and the function is freely closed, the system is humanized in design, and the resolution period and the balance proportion are set according to the use requirement of a user; when the resolution period of the shared account is due, the balance is automatically returned to each associated user, and each associated user is disconnected, so that the fund is more timely and convenient to use; because balance users of the shared accounts actively return to all associated users and need to pass the permission of all associated accounts, each shared account is provided with a fund outflow auditing function, the auditing function is freely closed, the auditing function needs to be opened and passes the permission of all associated users, each shared account is provided with an independent shared password, the shared password function is freely closed, each shared account is provided with the shared password and needs to pass the permission of all associated users, and the shared password is automatically pushed to each user, so that the shared accounts participate in the determination, and the fund processing democratic fairness is reflected.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention.
Detailed Description
The present invention is described in further detail below to enable those skilled in the art to practice the invention with reference to the description.
It will be understood that terms such as "having," "including," and "comprising," as used herein, do not preclude the presence or addition of one or more other elements or groups thereof.
In a network environment, the network may include a Local Area Network (LAN), a Wide Area Network (WAN), the internet, or a combination thereof, through which the platform publishes various promotional information about products or services to individual users, such as: product introduction and methods of use, a user downloads an installation APP on an electronic device, including personal computers, mobile devices such as smart phones, tablet devices, and the like, and other devices that can send and receive data over a network.
Example 1:
the method comprises the steps that a plurality of users obtain account numbers and passwords through application by each user, the users needing to be associated are added as friends through searching the account numbers, one user establishes a shared account and renames the shared account, other users directly send association applications to the shared account of the user, and the user responds to the applications of other users to complete the association of all the users to the shared account.
One of the associated users applies for opening a fund outflow auditing function of the shared account, and designates who is used as a fund outflow auditing person, after all the associated users agree, the auditing function is opened, and each fund outflow in the shared account needs to be agreed by the auditing person.
One of the associated users applies for setting an independent common password, and after all the associated users agree, the system automatically pushes the common password to each user.
One of the associated users applies for setting the shared account resolving term and the balance distribution proportion, the function automatically disconnects each associated user when the balance of the shared account is '0' after all the associated users agree, and when the resolving term of the shared account is up, the balance is automatically returned to each associated user in proportion and each associated user is disconnected.
All the associated users charge money into the individual account through the bound bank card, and a certain amount of money is remitted into the shared account from the individual account according to the appointed users, so that the associated users can use the funds in the shared account through the code scanning function of the shared account.
All associated users in the shared account can set the names of the shared accounts and communicate in the chat rooms of the shared accounts, the fund entry and exit conditions and the chat records of the shared accounts are displayed in the chat rooms in real time, the associated users can edit the own fund names displayed in the chat rooms, and meanwhile, the fund entry and exit conditions of the shared accounts are checked and printed through a bill function.
And (3) the user in any shared account puts a doubt on the fund, the fund in the shared account can be immediately frozen by one key, all users in the shared account unfreeze the fund after the opinions of the users in the shared account are agreed, the intervention of customer service personnel which cannot be solved by the agreement is carried out, and the report related to the crime is sent to a public security organization for solving.
After the set period, the balance in the shared account is returned to each associated user in proportion according to the setting, and each associated user is disconnected automatically.
Example 2:
the method comprises the steps that a plurality of users obtain account numbers and passwords through application, one user adds users needing to be associated as friends through searching the account numbers, the user establishes a shared account and renames the shared account, the user sends applications to the associated users through an address book, other users respond to the applications, and all the users finish association of the shared account.
And closing the default fund flow auditing function of the associated account, closing the shared password function, defaulting the dispersion time limit of the shared account for one month, automatically disconnecting each associated user by the shared account when the balance of the shared account is 0, automatically returning the balance to each associated user on average when the dispersion time limit of the shared account is up, and disconnecting each associated user.
All the associated users charge money into the individual account through the bound bank card, and a certain amount of money is remitted into the shared account from the individual account according to the appointed users, so that the associated users can use the funds in the shared account through the code scanning function of the shared account.
All associated users in the shared account can set the names of the shared accounts and communicate in the chat rooms of the shared accounts, the fund entry and exit conditions and the chat records of the shared accounts are displayed in the chat rooms in real time, the associated users can edit the own fund names displayed in the chat rooms, and meanwhile, the fund entry and exit conditions of the shared accounts are checked and printed through a bill function.
And (3) the user in any shared account puts a doubt on the fund, the fund in the shared account can be immediately frozen by one key, all users in the shared account unfreeze the fund after the opinions of the users in the shared account are agreed, the intervention of customer service personnel which cannot be solved by the agreement is carried out, and the report related to the crime is sent to a public security organization for solving.
After the set time limit is reached, the balance in the shared account is averagely returned to each associated user, and each associated user is automatically disconnected.
The users described above may be businesses or individuals.
The user can also associate each user through code scanning, and the personal account of the user is provided with a bill function to check and print the fund entering and exiting condition of the personal account.
All associated users can charge money into the individual account through WeChat and Payment treasures, funds in the individual account and the shared account can generate benefits, and the associated users can use the funds in the shared account through a payment code of the shared account.
The user uses the fund of the personal account to invest stocks, the users related to the shared account can invest stocks together, the income and the risk are shared, the users related to buying and selling stocks are determined by a group of related users, the users related to the shared account can also freeze the fund in the shared account by one key to stop loss in time, and after the opinions of the users in the shared account are agreed, all the users in the shared account unfreeze the fund.
As described above, according to the present invention, since each user has a personal account and a newly created shared account, one of the users creates the shared account in association with the personal account of the other user, the personal account funds of each user are freely remitted into the shared account, and the shared account funds are remitted without permission or permission of partial or all of the associated accounts, the management of collective common funds in the shared account is more convenient, the use of collective common funds is facilitated, and the shared common funds can be used by all users of the common funds; because each associated user checks and prints the fund entering and exiting condition of the shared account through the bill function, the collective shared fund accounts in the shared account are clear and transparent, and mutual supervision is facilitated; the collective shared fund in the shared account has a balance automatic distribution and return mechanism, so the cost of the collective shared fund is fair and fair; because each associated user of each shared account is provided with an independent chat room, and the fund access condition and the chat records of the shared accounts are displayed in the chat room in real time, the real-time communication of the use of the collective shared fund is realized, the use is convenient, and the account is clear; because each sharing account is provided with the function of distributing the resolution period and the balance proportion, and the function is freely closed, the system is humanized in design, and the resolution period and the balance proportion are set according to the use requirement of a user; when the resolution period of the shared account is due, the balance is automatically returned to each associated user, and each associated user is disconnected, so that the fund is more timely and convenient to use; because balance users of the shared accounts actively return to all associated users and need to pass the permission of all associated accounts, each shared account is provided with a fund outflow auditing function, the auditing function is freely closed, the auditing function needs to be opened and passes the permission of all associated users, each shared account is provided with an independent shared password, the shared password function is freely closed, each shared account is provided with the shared password and needs to pass the permission of all associated users, and the shared password is automatically pushed to each user, so that the shared accounts participate in the determination, and the fund processing democratic fairness is reflected.
While embodiments of the invention have been disclosed above, it is not intended to be limited to the uses set forth in the specification and examples. It can be applied to all kinds of fields suitable for the present invention. Additional modifications will readily occur to those skilled in the art. The invention is therefore not to be limited to the specific details described herein, without departing from the general concept as defined by the appended claims and their equivalents.
Claims (9)
1. A multi-objective management based shared account, comprising: the method comprises the following steps that a plurality of users are provided, each user comprises a personal account and one or more newly-built shared accounts, the personal account of each user is associated with each newly-built shared account by default, the newly-built shared account of one user responds to other user requests and is associated with the personal accounts of the users, the personal account fund operation of each user does not need to be remitted into the shared account through permission, and the shared account fund outflow does not need to be permitted or is permitted by partial or all associated accounts;
each associated user checks and prints the fund entering and exiting condition of the shared account through a bill function;
the shared account balance is allocated to individual accounts of each associated user.
2. The multi-objective management based shared account as claimed in claim 1, wherein the names of the shared accounts are set by associated users, each associated user of the shared accounts is provided with an independent chat room, and the fund access and chat records of the shared accounts are displayed in real time in the chat room.
3. The multi-objective management based shared account of claim 2, wherein the associated users of the shared account can edit their own fund names and display them in real time in a chat room.
4. The multi-objective management-based shared account of claim 1, wherein each shared account is provided with a resolution period and balance ratio allocation function, which is freely closed and sets permissions to pass through all associated users.
5. The multi-objective management-based shared account of claim 4, wherein after the balance is automatically returned to each associated user, the shared account automatically disconnects each associated user;
when the balance of the sharing account is '0', the sharing account automatically disconnects each associated user;
when the resolution period of the shared account is up, the balance is automatically returned to each associated user, and each associated user is disconnected.
6. The multi-objective management based shared account of claim 1, wherein balance users of the shared account actively return to each associated user subject to permission from all associated accounts.
7. The multi-objective management based shared account of claim 1, wherein each shared account is provided with a fund flow auditing function, the auditing function is freely closed, and the opening of the auditing function is permitted by all associated users.
8. The multi-objective management based shared account as claimed in claim 1, wherein each shared account is provided with an independent shared password, the shared password function is freely turned off, and the setting of the shared password for each shared account is subject to permission of all associated users, and the shared password is automatically pushed to each user.
9. The multi-objective management based shared account of claim 1, wherein the users are added to the address book through account numbers and associated with each user through the address book or code scanning.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202011174448.7A CN112258182A (en) | 2020-10-28 | 2020-10-28 | Shared account based on multi-target management |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011174448.7A CN112258182A (en) | 2020-10-28 | 2020-10-28 | Shared account based on multi-target management |
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| CN112258182A true CN112258182A (en) | 2021-01-22 |
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| CN202011174448.7A Pending CN112258182A (en) | 2020-10-28 | 2020-10-28 | Shared account based on multi-target management |
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Citations (6)
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| US20160328692A1 (en) * | 2015-05-07 | 2016-11-10 | Changejar Inc. | Mobile cash change management system and method, and contribution and sharing system and method associated therewith |
| CN108009808A (en) * | 2017-11-28 | 2018-05-08 | 上海量明科技发展有限公司 | The method for developing functions and device of group's account |
| CN108399538A (en) * | 2017-02-06 | 2018-08-14 | 百度在线网络技术（北京）有限公司 | Operate the method and system of multiple accounts |
| JP2019053623A (en) * | 2017-09-15 | 2019-04-04 | 富士通株式会社 | Shared account management program, shared account management method and shared account management device |
| CN111091364A (en) * | 2019-12-19 | 2020-05-01 | 汇智点亮科技(北京)有限公司 | Account system, cooperative payment method, terminal and storage medium |
| CN111340341A (en) * | 2020-02-18 | 2020-06-26 | 中国工商银行股份有限公司 | Processing method and device for shared fund |
-
2020
- 2020-10-28 CN CN202011174448.7A patent/CN112258182A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20160328692A1 (en) * | 2015-05-07 | 2016-11-10 | Changejar Inc. | Mobile cash change management system and method, and contribution and sharing system and method associated therewith |
| CN108399538A (en) * | 2017-02-06 | 2018-08-14 | 百度在线网络技术（北京）有限公司 | Operate the method and system of multiple accounts |
| JP2019053623A (en) * | 2017-09-15 | 2019-04-04 | 富士通株式会社 | Shared account management program, shared account management method and shared account management device |
| CN108009808A (en) * | 2017-11-28 | 2018-05-08 | 上海量明科技发展有限公司 | The method for developing functions and device of group's account |
| CN111091364A (en) * | 2019-12-19 | 2020-05-01 | 汇智点亮科技(北京)有限公司 | Account system, cooperative payment method, terminal and storage medium |
| CN111340341A (en) * | 2020-02-18 | 2020-06-26 | 中国工商银行股份有限公司 | Processing method and device for shared fund |
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