CN113869898A

CN113869898A - Accounting method, accounting device, electronic device and medium

Info

Publication number: CN113869898A
Application number: CN202111156488.3A
Authority: CN
Inventors: 王圣昊; 郭松
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-09-29
Filing date: 2021-09-29
Publication date: 2021-12-31

Abstract

The disclosure provides a billing method which can be used in the financial field. The accounting method comprises the following steps: an account management service receiving a first user request to fund a first account and fund a payment from the first account based on the first user request; when the fund collection and payment processing of the first account is successful, the accounting service accounts for the account change condition of the first account in an accounting book; setting information of the first account in the accounting book in advance so as to account the first account; wherein the account management service is communicatively coupled with the billing service. The disclosure also provides a billing device, equipment and storage medium.

Description

Accounting method, accounting device, electronic device and medium

Technical Field

The present disclosure may be used in the field of finance, and more particularly, to a billing method, a billing apparatus, an electronic device, and a medium.

Background

The online accounting can meet the financial demand of people, and is more and more popular along with the convenience of use. However, at present, the online accounting is usually difficult to realize automatic accounting along with account change. Usually, a user needs to manually book accounts, or although some current book accounts software can automatically book accounts by reading bank short messages and the like received by the user, the user short messages need to be read in such a mode, information leakage of the user is easily caused, and potential safety hazards exist.

Disclosure of Invention

In view of this, the embodiments of the present disclosure provide a billing method, a billing apparatus, an electronic device, a medium, and a program product, which can realize more secure billing while accounting is performed on account changes.

In a first aspect of the disclosed embodiments, a billing method is provided. The accounting method comprises the following steps: an account management service receiving a first user request to fund a first account and fund a payment from the first account based on the first user request; when the fund collection and payment processing of the first account is successful, the accounting service accounts for the account change condition of the first account in an accounting book; setting information of the first account in the accounting book in advance so as to account the first account; wherein the account management service is communicatively coupled with the billing service.

According to an embodiment of the present disclosure, when the fund collection processing of the first account is successful, the billing service billing the account change of the first account in a billing book further includes: and when the fund collection and payment processing of the first account is successful under the condition that the accounting service obtains the user authorization for automatically accounting the first account, accounting is carried out by the accounting service in the accounting book aiming at the account change condition of the first account.

According to an embodiment of the present disclosure, when the fund collection processing of the first account is successful, the billing service billing the account change of the first account in a billing book further includes: when the account management service sends the account change notification of the first account to the user, the accounting service accounts for the account change of the first account in the accounting book.

According to an embodiment of the present disclosure, before the billing service performs billing on the account change condition of the first account in a billing policy, the method further includes: the accounting service creates the ledger based on a second user request and sets the first account in the ledger based on a setting operation of a user.

According to an embodiment of the present disclosure, the method further comprises: the accounting service adds or deletes participating users of the ledger based on a third user request, wherein requesters of the second user request and the third user request are creating users of the ledger, the creating users being different from the participating users.

According to an embodiment of the present disclosure, the method further comprises: the accounting service displays accounting report information of accounts recorded in the accounting book to a requester who sends the report viewing request based on the report viewing request of any one of the creating user and the participating user, wherein the accounts recorded in the accounting book include the first account.

According to an embodiment of the present disclosure, the method further comprises: the accounting service initiates a collection request for collecting money from the first account to at least one of the participating users of the ledger based on a request collection operation of the creating user. The account management service receives a first user request to fund a balance from a first account, comprising: the account management service receives a request from at least one of the participating users to transfer funds to the first account based on the collection request.

In a second aspect of the disclosed embodiments, an accounting device is provided. The accounting device comprises an account management service module and an account change automatic accounting module. The account management service module is configured to receive a first user request to fund a first account and to fund the first account based on the first user request. The account change automatic accounting module is used for accounting the account change condition of the first account in an accounting book when the fund balance processing of the first account is successful; and presetting the information of the first account in the accounting book so as to account the first account.

According to the embodiment of the disclosure, the accounting device further comprises an active accounting module. The active accounting module is used for creating the accounting book based on a second user request and setting the first account in the accounting book based on a setting operation of a user before accounting is carried out on account change conditions of the first account in the accounting book.

According to an embodiment of the present disclosure, the active billing module is further configured to add or delete a participating user of the ledger based on a third user request, wherein the requestor of the second user request and the third user request is a creating user of the ledger, the creating user being different from the participating user.

According to the embodiment of the disclosure, the accounting device further comprises a report module. The report module is configured to display, based on a report viewing request of any one of the creating user and the participating user, accounting report information of an account recorded in the accounting book to a requestor who sends the report viewing request, where the account recorded in the accounting book includes the first account.

According to the embodiment of the disclosure, the accounting device further comprises a collection module. The collection module is further configured to initiate a collection request for collecting money from the first account to at least one of the participating users of the ledger based on a requested collection operation of the creating user. The account management service module is further configured to receive a request from at least one of the participating users to transfer funds to the first account based on the collection request.

In a third aspect of the disclosed embodiments, an electronic device is provided. The electronic device includes one or more memories, and one or more processors. The one or more memories have executable instructions stored thereon. The one or more processors execute the executable instructions to implement the method as described above.

In a fourth aspect of the embodiments of the present disclosure, a computer-readable storage medium is provided, storing computer-executable instructions, which when executed, implement the method as described above.

In a fifth aspect of embodiments of the present disclosure, there is provided a computer program comprising computer executable instructions for implementing the method as described above when executed.

One or more of the above-described embodiments may provide the following advantages or benefits: automatic billing as account changes may be implemented, at least in part.

According to other embodiments of the disclosure, payment, AA sharing and corresponding accounting records can be realized in a multi-user shared accounting mode, and the method can be widely applied to a multi-user shared social consumption scene.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario diagram of a billing method, a billing apparatus, an electronic device, a medium, and a program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a system architecture of a billing method according to an embodiment of the present disclosure;

FIG. 3 schematically shows a flow diagram of a billing method according to an embodiment of the present disclosure;

fig. 4 schematically shows a flow chart of a billing method according to another embodiment of the present disclosure;

FIG. 5 schematically shows a flow diagram of a billing method according to another embodiment of the disclosure;

FIG. 6 schematically shows a block diagram of an accounting device according to an embodiment of the present disclosure; and

fig. 7 schematically shows a block diagram of an electronic device adapted to implement a billing method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

In this document, it is to be understood that any number of elements in the specification and drawings is to be considered exemplary rather than limiting, and that any nomenclature (e.g., first, second) is used for distinction only, and not in any limiting sense.

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated.

In the process of designing the scheme disclosed by the inventor, research and analysis are carried out on the problem that the online accounting is difficult to automatically account when the account changes. Research shows that the problem exists, and the main reason is that the account management provider and the online accounting provider are often divided into different operation subjects, and information isolation exists between the two due to information security and the like.

In view of this, embodiments of the present disclosure provide a method capable of automatic accounting, where the account management service and the accounting service may be communicatively connected, so that when the account management service successfully performs a fund collection process on a user account, the accounting service may perform accounting on account change conditions of the user account in an accounting book, thereby implementing automatic accounting.

The accounting method according to the embodiment of the disclosure comprises the following steps: the account management service receiving a first user request to fund from a first account and fund from the first account based on the first user request; when the fund collection and payment processing of the first account is successful, the accounting service accounts in the accounting book according to the account change condition of the first account; the method comprises the steps that information of a first account is preset in an accounting book so as to account the first account; wherein the account management service is communicatively coupled to the billing service. Correspondingly, the embodiment of the disclosure also provides an accounting device, an electronic device, a medium and a program product.

In practical applications, the provider of the account management service and the provider of the billing service may be the same operator. Such as a bank, a third party payment institution, an e-commerce platform, a theater, or a mall, etc. Alternatively, the provider of the account management service and the provider of the billing service in the embodiment of the present disclosure may also be different operation subjects, and the two parties may communicate with each other through technologies such as protocol and network security communication.

Fig. 1 schematically shows an application scenario diagram of a billing method, a billing apparatus, an electronic device, a medium, and a program product according to an embodiment of the present disclosure. It should be noted that fig. 1 is only an example of an application scenario in which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, but does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the application scenario 100 according to this embodiment may include one or more terminal devices (three

terminal devices

101, 102, 103 are illustrated in the figure), a network 104 and a server 105. The network 104 is a medium to provide communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have a shopping application, a cell phone banking App, or an online accounting application installed thereon.

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may provide account management services and billing services. The account management service may be used to manage the fund balance of the user's account. The accounting service may set one or more ledgers, in which any number of accounts may be set. When the account in the accounting book is the account managed by the account management service connected with the accounting service in a communication mode, the account change condition of the account can be automatically accounted in the accounting book.

In one embodiment, the server 105 may be, for example, a backend server of a banking system. Therefore, the accounting method according to the embodiment of the disclosure can deploy the accounting service based on the existing account management service of the bank, so that the bank can provide the accounting service for the user based on the bank account information of the user when providing the account management service for the user.

For example, an online accounting function module may be added to the mobile banking App and provided for the user of the

terminal device

101, 102, 103. Alternatively, the bank may separately develop the online accounting application, the user downloads and installs the client on the

terminal devices

101, 102, and 103, and the account management service and the accounting service provided by the server 105 are interacted in the background, so that when the account of the user changes, the change of the account is automatically recorded in the online accounting application. In this manner, embodiments according to the present disclosure may provide for automatic accounting of the user's respective accounts by a ledger, facilitating financial analysis by the user, such as when the user has one or more accounts (credit card account, savings card account, fund account, demand deposit account, and/or periodic deposit account, etc.) at a bank.

It should be noted that the above-mentioned server 105 is a background server of the banking system, which is only an example and does not limit the disclosure. The accounting method, the accounting device, the electronic device, the medium and the program product determined by the embodiments of the present disclosure may be applied to the financial field, and may also be applied to any fields other than the financial field (for example, the fields of catering, e-commerce, shopping, logistics, etc.), and the present disclosure does not limit the application field.

It is to be appreciated that the billing methods provided by the disclosed embodiments may be generally performed by the server 105. Accordingly, the accounting device provided by the embodiment of the present disclosure may be generally disposed in the server 105.

Alternatively, the accounting method provided by the embodiments of the present disclosure may also be performed by a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the accounting device provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

Still alternatively, the accounting method provided by the embodiment of the present disclosure may also be partially executed by the server 105 and partially executed by the

terminal devices

101, 102, and 103. For example, when the accounting service is a function in the mobile banking App, the server 105 may send an account change information reminding message to the

terminal devices

101, 102, and 103, and the message may be acquired from the accounting book in the mobile banking App and automatically accounted. As another example, operations of a user creating an ledger in an ledger, adding and deleting participating users of an ledger, and the like may be performed by a terminal device and then synchronized to the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 2 schematically shows a system architecture of a billing method according to an embodiment of the present disclosure.

As shown in FIG. 2, the system architecture 200 may provide an account management service 201 and a billing service 202, wherein the account management service 201 and the billing service 202 may be communicatively coupled. An accounting book, which may be an accounting book shared by multiple people, may be provided in the accounting service 202.

The account management service 201 may manage the funds balance for the first account. The ledger may also have a first account set therein.

When the account management service 201 performs a fund collection process on the first account to cause a change of the account condition of the first account, the accounting service 202 may acquire the account change condition of the first account, so as to account for the account change condition of the first account in the accounting book.

The process of the accounting service 202 acquiring the account change condition of the first account can be realized through protocol notification between the account management service 201 and the accounting service 202.

For example, in one embodiment, the information of account change for the first account may be pushed to the billing service 202 when the funds payment process for the first account by the account management service 201 is successful. For example, the account management service 201 may send an account change notification message or message to the user of the first account along with the account change information to the billing service 202.

In another embodiment, the billing service 202 may also monitor or subscribe to the account change information of the first account in the account management service 201 to realize automatic billing of the first account.

It is understood that there may be other accounts in the ledger than the first account, where the other accounts may or may not be accounts managed by the account management service 201.

The billing method of the disclosed embodiment will be described in detail through fig. 3 to 5 based on the scenario described in fig. 1 and the system architecture of fig. 2.

Fig. 3 schematically shows a flow chart of a billing method according to an embodiment of the present disclosure.

As shown in fig. 3, the billing method according to the embodiment of the present disclosure may include operations S301 to S302.

In operation S301, the account management service 201 receives a first user request for funds payment from a first account and funds payment from the first account based on the first user request.

In operation S302, when the fund collection process for the first account is successful, the billing service 202 performs billing in the billing book for the account change of the first account. Wherein, the information of the first account is preset in the accounting book to account the first account, wherein, the account management service 201 is connected with the accounting service 202 in communication.

In some embodiments, the performance of operation S302 may be performed only if the user authorization for the automatic billing is obtained. That is, in the case that the user allows the automatic accounting of the first account, when the fund collection and payment processing of the first account is successful, the accounting can be performed for the account change condition of the first account in the accounting book.

In some embodiments, operation S302 may be when the account management service 201 sends the account change notification of the first account to the user, accounting is performed in the accounting book for the account change of the first account.

Generally, according to the account change notification method selected by the user, when the balance change occurs in the user account, the bank may send a short message notification or a reminding message to the

terminal devices

101, 102, 103 of the user. The embodiment of the disclosure can perform self-accounting on the account change condition of the first account when the change notification is sent to the user. Therefore, the user can conveniently verify the automatic billing condition according to the account change condition notification.

Alternatively, in some embodiments, for example, when the accounting service 202 is a function in a mobile banking App, when the bank sends an account change reminding message to the mobile banking App in the

terminal device

101, 102, 103 of the user, the reminding message may also be acquired by the accounting service 202 in operation S302 and then automatically accounted.

According to an embodiment of the present disclosure, the billing service 202 may create a ledger based on the second user request and set a first account in the ledger based on the setting operation of the user before operation S302.

Further, in other embodiments, billing service 202 adds or deletes participating users of the ledger based on a third user request, thereby conducting multi-user shared billing, where the identity of the creating user of the ledger and the participating users may be different, and the permissions may also be different. For example, a creating user has the right to add or delete a participating user, while a participating user may not add or delete other users. For another example, the creating user may have the right to add or delete an account, and the participating users may only have the right to view accounts. The specific permission setting can be determined according to actual needs, and the disclosure is not limited.

Fig. 4 schematically shows a flow chart of a billing method according to another embodiment of the present disclosure. Fig. 5 schematically shows a flow diagram of a billing method according to another embodiment of the present disclosure.

As shown in fig. 4, the billing method according to the embodiment of the present disclosure may include operations S401 to S405. The method of fig. 4 may be used in the multi-person joint billing process shown in fig. 5, where an automatic billing process may be performed in the shared ledger based on the interaction of the account management service 201 and the billing service 202.

First, in operation S401, the account management service 201 performs a fund payment process on a first account based on a request sent by a creating user to make a fund payment from the first account. Such as creating a user to pay collectively for expenses common to multiple people.

Then, in operation S402, when the fund payment process for the first account is successful, the billing service 202 performs billing in the billing book for the account change of the first account.

The billing service 202 may then initiate a collection request to collect money from the first account to at least one participating user of the ledger based on the create user' S request to collect money operation at operation S403. For example, the creating user may initiate a checkout request to participating users that need to be amortized based on a common payout.

The account management service 201 then receives a request from at least one participating user to transfer funds to the first account based on the receipt request and transfers funds to the first account based on the request in operation S404.

And in operation S405, when the funds transfer process for the first account is successful, the accounting service 202 accounts in the accounting book for the account change condition of the first account.

Therefore, the accounting method of the embodiment of the disclosure can expand a multi-person accounting mode on the basis of single-person accounting, can be used for multi-person accounting behaviors such as co-hire for paying house rents and friends for travel, and common family expenses, and can assist in providing corresponding statistics and AA billing functions.

For example, in an accounting management scenario of a co-rental house rental, a friend traveling and the like, after a co-expenditure generation of a creating user is a payment, a collection can be initiated to a participating user in an accounting book through a collection request in the accounting book, so that the sharing is facilitated. In the whole process, the payment and collection conditions can be booked in the bookkeeping book, so that all participants can check conveniently.

Still further, the billing service 202 may also present the accounting report information of the account recorded in the accounting book to the requestor who sent the request to view the report based on the request to view the report of either the creating user or the participating user.

In this way, the demand that the user of the accounting book jointly completes accounting in a multi-user social scene can be better supported, and the user can be more conveniently and quickly accounted by means of automatic accounting of account number change.

Based on the accounting method in the embodiment of the disclosure, the embodiment of the disclosure further provides an accounting device. The apparatus will be described in detail below with reference to fig. 6.

Fig. 6 schematically shows a block diagram of an accounting apparatus 600 according to an embodiment of the present disclosure.

As shown in fig. 6, the accounting means 600 may include an account management service module 610 and an account change automatic accounting module 620.

The account management service module 610 may be configured to receive a first user request to fund a first account and fund a first account based on the first user request. In one embodiment, the account management service module 610 may provide the account management service 201 for performing operation S301.

The account change automatic accounting module 620 may be configured to account for the account change of the first account in the accounting book when the fund collection and payment processing of the first account is successful; the method comprises the steps of setting information of a first account in an accounting book in advance so as to account the first account. In one embodiment, the account change automated billing module 620 may provide the billing service 202 for performing operation S302.

The account change automatic billing module 620 may also automatically record the change to the billing book when the change occurs to the first account, such as a transfer, payment, etc., which results in a balance of the account, under the condition of obtaining the user authorization for automatic billing (e.g., the user actively starts automatic billing). The user can edit, modify and delete the accounting details afterwards.

With continued reference to fig. 6, the accounting apparatus 600 may further include an active accounting module 630, a reporting module 640, or a collection module 650 according to an embodiment of the present disclosure.

The active accounting module 630 is configured to create an accounting book based on the second user request and set the first account in the accounting book based on the setting operation of the user before accounting for the account change condition of the first account in the accounting book.

The active accounting module 630 is further configured to add or delete participating users of the ledger based on a third user request, where the second user request and the request of the third user request are created users of the ledger, and the created users are different from the participating users.

Through active accounting module 630, the user can create the ledger autonomously. The creating user can add and delete participating users at any time. After being invited, the participating users can actively confirm and then join the accounting book for joint accounting. Both the creating user and the participating user may see all billing details, but there may be a limit that only the creating user may delete and maintain entries.

The reporting module 640 is configured to, based on a report viewing request of a creating user or any one of participating users, display accounting report information of accounts recorded in an accounting book to a requestor who sends the report viewing request, where the accounts recorded in the accounting book include a first account. The creating user and the participating user can view and generate reports, and the statistical analysis and summary are carried out on the data in a certain time period.

The collection module 650 is further configured to initiate a collection request for collecting money from the first account to at least one participating user of the ledger based on the create user's request to collect money operation. The account management service module 610 is further operable to receive a request from at least one participating user to transfer funds to the first account based on the receipt request. In this manner, the payment module 650 may initiate an AA payment request to the first account and share the common disbursement in the shared billing mode with the payment received by the account management service module 610.

Any number of modules, sub-modules, units, sub-units, or at least part of the functionality of any number thereof according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules, sub-modules, units, and sub-units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, sub-modules, units, sub-units according to embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging a circuit, or in any one of or a suitable combination of software, hardware, and firmware implementations. Alternatively, one or more of the modules, sub-modules, units, sub-units according to embodiments of the disclosure may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

For example, any of the account management service module 610, the account change automated billing module 620, the active billing module 630, the reporting module 640, and the collection module 650 may be combined in one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the account management service module 610, the account change automatic billing module 620, the active billing module 630, the reporting module 640, and the collection module 650 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or any suitable combination of any of them. Alternatively, at least one of the account management service module 610, the account change automated billing module 620, the active billing module 630, the reporting module 640, and the collection module 650 may be at least partially implemented as a computer program module that, when executed, may perform corresponding functions.

Fig. 7 schematically shows a block diagram of an electronic device adapted to implement a billing method according to an embodiment of the present disclosure. The electronic device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 7, an electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. The processor 701 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 701 may also include on-board memory for caching purposes. The processor 701 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 703, various programs and data necessary for the operation of the electronic apparatus 700 are stored. The processor 701, the ROM 702, and the RAM 703 are connected to each other by a bus 704. The processor 701 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 702 and/or the RAM 703. Note that the programs may also be stored in one or more memories other than the ROM 702 and RAM 703. The processor 701 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 700 may also include input/output (I/O) interface 705, which input/output (I/O) interface 705 is also connected to bus 704, according to an embodiment of the present disclosure. The system 700 may also include one or more of the following components connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program, when executed by the processor 701, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 702 and/or the RAM 703 and/or one or more memories other than the ROM 702 and the RAM 703 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program comprising program code for performing the method provided by the embodiments of the present disclosure, when the computer program product is run on an electronic device, the program code being adapted to cause the electronic device to carry out the billing method provided by the embodiments of the present disclosure.

The computer program, when executed by the processor 701, performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via the communication section 709, and/or installed from the removable medium 711. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A billing method comprising:

an account management service receiving a first user request to fund a first account and fund a payment from the first account based on the first user request; and

when the fund collection processing of the first account is successful, the accounting service accounts for the account change condition of the first account in an accounting book; setting information of the first account in the accounting book in advance so as to account the first account;

wherein the account management service is communicatively coupled with the billing service.

2. The method of claim 1, wherein the billing service billing for the account change for the first account in a billing book when the funds payment process for the first account is successful further comprises:

and when the fund collection and payment processing of the first account is successful under the condition that the accounting service obtains the user authorization for automatically accounting the first account, accounting is carried out by the accounting service in the accounting book aiming at the account change condition of the first account.

3. The method of claim 1, wherein the billing service billing for the account change for the first account in a billing book when the funds payment process for the first account is successful further comprises:

when the account management service sends the account change notification of the first account to the user, the accounting service accounts for the account change of the first account in the accounting book.

4. The method of claim 1, wherein prior to the billing service billing for account changes to the first account in a billing book, the method further comprises:

the accounting service creates the ledger based on a second user request and sets the first account in the ledger based on a setting operation of a user.

5. The method of claim 4, wherein the method further comprises:

the accounting service adds or deletes participating users of the ledger based on a third user request, wherein requesters of the second user request and the third user request are creating users of the ledger, the creating users being different from the participating users.

6. The method of claim 5, wherein the method further comprises:

the accounting service displays accounting report information of accounts recorded in the accounting book to a requester who sends the report viewing request based on the report viewing request of any one of the creating user and the participating user, wherein the accounts recorded in the accounting book include the first account.

7. The method of claim 5, wherein,

the method further comprises the following steps: the accounting service initiates a collection request for collecting money from the first account to at least one of the participating users of the ledger based on a request collection operation of the creating user; and

the account management service receives a first user request to fund a balance from a first account, comprising: the account management service receives a request from at least one of the participating users to transfer funds to the first account based on the collection request.

8. An accounting device comprising:

an account management service module to receive a first user request to fund a first account and to fund the first account based on the first user request;

the account change automatic accounting module is used for accounting the account change condition of the first account in an accounting book when the fund collection and payment processing of the first account is successful; and presetting the information of the first account in the accounting book so as to account the first account.

9. An electronic device, comprising:

one or more memories storing executable instructions; and

one or more processors executing the executable instructions to implement the method of any one of claims 1-7.

10. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 7.