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1. WO2020199857 - ACCOUNT SYSTEM, TRANSACTION AND PROCESSING METHOD THEREFOR, TERMINAL, SYSTEM, APPARATUS AND MEDIUM

Publication Number WO/2020/199857
Publication Date 08.10.2020
International Application No. PCT/CN2020/078546
International Filing Date 10.03.2020
IPC
G06Q 20/22 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
CPC
G06Q 20/227
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
227characterized in that multiple accounts are available to the payer
G06Q 20/3223
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
32using wireless devices
322Aspects of commerce using mobile devices [M-devices]
3223Realising banking transactions through M-devices
G06Q 20/384
G06Q 20/386
Applicants
  • 汇智点亮科技(北京)有限公司 HUIZHIDIANLIANG TECHNOLOGY (BEIJING) CO., LTD. [CN]/[CN]
Inventors
  • 李晓林 LI, Xiaolin
Agents
  • 北京汉之知识产权代理事务所(普通合伙) BEIJING HANZHI IP ATTORNEY OFFICE
Priority Data
201910268927.604.04.2019CN
Publication Language Chinese (ZH)
Filing Language Chinese (ZH)
Designated States
Title
(EN) ACCOUNT SYSTEM, TRANSACTION AND PROCESSING METHOD THEREFOR, TERMINAL, SYSTEM, APPARATUS AND MEDIUM
(FR) SYSTÈME DE COMPTE, TRANSACTION ET SON PROCÉDÉ DE TRAITEMENT, TERMINAL, SYSTÈME, APPAREIL ET SUPPORT
(ZH) 账户系统、交易及其处理方法、终端、系统、装置及介质
Abstract
(EN)
An account system, a transaction and a processing method therefor, a terminal, a system, an apparatus and a medium. The account system provides at least one group account, each of the group accounts being able to be associated with one or more main accounts; each of the main accounts can invoke one or more currency accounts; and the group account serves as an interface for transactions between the main account and the outside. The technical solution of the present invention builds a “group account” concept based account system, and with respect to existing network payments which only take an individual as a unit, the invention is effectively applicable to and can support consumption application scenarios similar to a scenario taking family/group/community as a unit, bringing great convenience to cooperative consumption, cooperative payment, cooperative settlement/clearing and cooperative reconciliation between a plurality of independent accounts, and also facilitating supervision.
(FR)
L'invention concerne un système de compte, une transaction et un procédé de traitement associé, un terminal, un système, un appareil et un support. Le système de compte fournit au moins un compte de groupe, chacun des comptes de groupe pouvant être associé à un ou plusieurs comptes principaux ; chacun des comptes principaux peut invoquer un ou plusieurs comptes de devise ; et le compte de groupe sert d'interface pour des transactions entre le compte principal et l'extérieur. La solution technique de la présente invention construit un système de compte basé sur un concept de compte de groupe, et par rapport à des paiements de réseau existants qui ne prennent qu'un individu en tant qu'unité, l'invention est applicable de manière efficace à et peut prendre en charge des scénarios d'application de consommation similaires à un scénario prenant la famille/groupe/communauté en tant qu'unité, ce qui apporte une grande commodité à la consommation coopérative, au paiement coopératif, au règlement coopératif et au rapprochement coopératif entre une pluralité de comptes indépendants, et facilite également la supervision.
(ZH)
一种账户系统、交易及其处理方法、终端、系统、装置及介质,账户系统提供至少一个组账户;其中,每个所述组账户能与一或多个主体账户关联;每个所述主体账户能调用一或多个货币账户;所述组账户作为所述主体账户与外部进行交易的接口。本申请技术方案中构建基于"组账户"概念的账户系统,相对现有仅以单个主体为单位的网络支付来说,能有效的适用和支持类似家庭/群组/社区为单位的消费应用场景,为解决多个独立账户之间的协同消费、协同支付、协同结算/清算、协同对账带来巨大的方便性,也利于监管。
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