如果您是中小企业主又或是企业合伙人，如果您是幸福的富裕家庭成员又或准备构筑美好未来的夫妻，当遇到经营资金或家庭财产需要共同管理的时候，您是否曾经为此而烦恼呢？目前，一些银行推出了联名帐户，以应对这些问题。If you are a small and medium-sized business owner or a business partner, if you are a member of a happy and wealthy family or a couple who are planning to build a bright future, when you encounter business funds or family property that need to be managed jointly, have you ever been concerned about this? trouble? Currently, some banks have launched joint accounts to deal with these problems.

联名账户是银行为了满足中小企业主、富裕家庭等客户共管资金的需要而推出的一项新业务，能为客户提供自由、透明、互惠、互利的资金共管服务。它是由2-5名(含)个人客户为实现经营资金、家庭财产等多人共管的需要，在银行开立并共有的个人定活期账户，从而实现共管存款的目的。Joint account is a new business launched by the bank to meet the needs of small and medium-sized business owners, wealthy families and other customers for co-management of funds. It can provide customers with free, transparent, reciprocal and mutually beneficial fund co-management services. It is a personal fixed current account opened and shared by 2-5 (including) individual customers in order to realize the joint management of operating funds, family property, etc., so as to achieve the purpose of joint management of deposits.

联名帐户是如何实现资金共管的呢？在开立个人联名账户时，需通过签订相关协议，确定全体联名账户所有人对联名账户资金的拥有形式及占有份额，明确账户资金的共有方式--平均分配形式或设定比例形式。若账户资金的共有方式为设定比例形式，还须明确各联名账户所有人占有的份额。How does the joint account realize the co-management of funds? When opening an individual joint account, it is necessary to sign a relevant agreement to determine the ownership and share of the joint account funds by all joint account owners, and to clarify the joint mode of account funds - the form of equal distribution or the form of a set ratio. If the account funds are shared in the form of a set ratio, it is also necessary to clarify the share held by each joint account owner.

在办理联名账户支取业务时，不管是现金支取还是转账支取，联名帐户所有人均可以指定采取共同办理或授权办理的方式来支取：When handling the joint account withdrawal business, whether it is cash withdrawal or transfer withdrawal, the owner of the joint account can designate the method of joint handling or authorized handling to withdraw:

1、共同办理方式：指联名账户所有人在办理联名账户支取业务时，须全体联名账户所有人到联名账户开户地区任一营业网点，凭各自业务操作卡及卡密码共同办理的一种方式，该方式为联名账户所有人办理支取时的默认方式。1. Joint handling method: refers to a way in which all joint account owners must go to any business outlet in the area where the joint account is opened when handling the withdrawal business of the joint account, with their respective business operation cards and card passwords. This method is the default method for joint account holders to handle withdrawals.

2、授权办理方式：指在开立联名账户时，经全体联名账户所有人授权，指定其中一名或几名联名账户所有人为被授权人，被授权人可凭本人业务操作卡及卡密码单独办理联名账户支取业务。若选择授权办理方式，仍可通过共同办理方式办理支取业务。2. Authorization handling method: when opening a joint account, after being authorized by all joint account owners, one or several joint account owners are designated as the authorized person, and the authorized person can operate the card and the card password independently Handle joint account withdrawal business. If you choose the authorized processing method, you can still handle the withdrawal business through the joint processing method.

通常，联名账户所有人多采用共同办理的方式来对联名帐户进行管理。然而，由于采用共同办理的方式办理取款、转账等业务时，需在银行柜台办理，银行业务繁忙，办理业务需经过长时间的排队等待，给联名帐户持有人带来了诸多不便。Usually, the owners of the joint account usually manage the joint account through joint handling. However, due to the joint handling of withdrawals, transfers and other businesses, it needs to be handled at the bank counter, the banking business is busy, and the business needs to wait in line for a long time, which brings a lot of inconvenience to the joint account holders.

发明内容Contents of the invention

本发明的目的是提供一种银行交易系统及方法，通过该系统及方法便于银行和用户办理进行类似前面所述联名账业务，并且更方便和实用。The purpose of the present invention is to provide a bank transaction system and method, through which it is convenient for the bank and the user to handle the joint account business similar to the above, and it is more convenient and practical.

为解决本发明的技术问题，本发明公开一种银行交易系统，包括信息获取装置、信息显示装置、密码验证装置、账户操作装置和中央处理装置，该信息获取装置用于获取用户银行账户信息、用户账户密码信息、用户对其账户操作信息；信息显示装置用于显示操作界面、用户的输入操作、系统提示信息、系统反馈信息；密码验证装置用于验证用户银行账户对应的输入密码是否正确；账户操作装置用于对银行账户进行查询、存款、取款和/或转账操作；中央处理装置协调前述各装置操作，前述各装置将操作信息反馈给中央处理装置，中央处理装置对反馈信息处理后指令相应装置进行操作，该系统还包括特殊用户银行账户，其对应的特定输入密码需要分N次输入，所述的N大于或等于2，所述信息获取装置获取N次输入密码，所述密码验证装置在验证N次输入的密码均正确时则此特殊用户银行账户的输入密码正确。In order to solve the technical problem of the present invention, the present invention discloses a bank transaction system, including an information acquisition device, an information display device, a password verification device, an account operation device, and a central processing device. The information acquisition device is used to obtain user bank account information, User account password information, user operation information on its account; the information display device is used to display the operation interface, user input operations, system prompt information, and system feedback information; the password verification device is used to verify whether the input password corresponding to the user's bank account is correct; The account operation device is used to perform inquiries, deposits, withdrawals and/or transfer operations on bank accounts; the central processing device coordinates the operation of the aforementioned devices, and the aforementioned devices feed back the operation information to the central processing device, and the central processing device processes the feedback information and then instructs The corresponding device is operated, the system also includes a special user bank account, and the corresponding specific input password needs to be input in N times, and the N is greater than or equal to 2, and the information acquisition device obtains the input password for N times, and the password verification When the device verifies that the passwords input for N times are correct, the input password of the special user bank account is correct.

作为一个进一步的方案，所述的特殊用户银行账户对应N个普通用户银行账户信息，所述的N个普通用户银行账户与所述的N次输入密码中的N是相同的，每个普通用户银行账户与所述特殊用户银行账户相对应有一个关联密码，N个普通用户银行账户与所述特殊用户银行账户关联的密码共同组成此特殊用户银行账户的密码。As a further solution, the special user bank account corresponds to N ordinary user bank account information, and the N ordinary user bank accounts are the same as N in the N input passwords, and each ordinary user The bank account has an associated password corresponding to the bank account of the special user, and the passwords associated with the bank accounts of N ordinary users and the bank account of the special user together form the password of the bank account of the special user.

作为一个进一步的方案，所述的N为2。As a further scheme, said N is 2.

作为一个进一步的方案，所述信息获取装置获取的所述普通用户银行账户信息是在不同的输入终端设备上进行的，中央处理装置负责协调处理整体操作。As a further solution, the common user bank account information obtained by the information obtaining device is performed on different input terminal devices, and the central processing device is responsible for coordinating and processing the overall operation.

作为一个进一步的方案，所述信息获取装置获取的所述普通用户银行账户信息是在同一台柜员机上进行的，每个普通用户银行账户信息存储在一张银行卡上，在同一台柜员机内先后放入N张银行卡或同时放入N张银行卡。As a further solution, the ordinary user bank account information acquired by the information acquisition device is performed on the same teller machine, and each ordinary user bank account information is stored on a bank card, which is successively stored in the same teller machine Put in N bank cards or put in N bank cards at the same time.

作为一个进一步的方案，所述特殊用户银行账户是由一个普通用户银行账户通过信息获取装置输入信息通过银行交易系统向一方或多方普通用户银行账户发送邀约信息，然后由被邀约方的普通用户银行账户在信息获取装置输入同意信息后共同创建起来的。As a further solution, the special user bank account is an ordinary user bank account that sends invitation information to one or more ordinary user bank accounts through the bank transaction system through an information acquisition device input information, and then the ordinary user bank of the invited party The account is jointly created after the information acquisition device enters the consent information.

作为一个进一步的方案，所述的普通用户银行账户在建立所述特殊用户银行账户后仍然具有原来普通用户银行账户所具有的功能。As a further solution, the common user bank account still has the functions of the original common user bank account after the special user bank account is established.

作为一个进一步的方案，所述特殊用户银行账户在建了时各个建立的普通用户银行账户之间已经由银行交易系统通过所述信息获取装置获取的信息建立了一定规则，明确在特定条件下如何由系统对此特殊用户银行账户上的钱通过账户操作装置进行划分。As a further solution, when the special user bank account is established, certain rules have been established between the established ordinary user bank accounts by the bank transaction system through the information obtained by the information acquisition device, and it is clear how to The money on the bank account of this special user is divided by the system through the account operation device.

作为一个进一步的方案，所述的特殊用户银行账户可以由创建者中任一普通用户银行账户发送解散邀约，当信息获取装置获取到全体创建者中的全部普通用户银行账户都同意解散，则所述中央处理装置发送指令将此特殊用户银行账户销户。As a further solution, the special user bank account can be invited to dissolve by any ordinary user bank account in the creator, and when the information acquisition device obtains that all ordinary user bank accounts in all creators agree to dissolve, then all The central processing unit sends an instruction to cancel the special user bank account.

作为一个进一步的方案，所述中央处理装置根据系统设定的条件指令账户操作装置从普通用户银行账户转款到特殊用户银行账户。As a further solution, the central processing device instructs the account operating device to transfer funds from the bank account of the common user to the bank account of the special user according to the conditions set by the system.

与现有技术相比，一般一个账户只有一个用户信息和一个密码，而本发明的特殊用户银行账户可以有普通用户银行账户，且每个普通用户银行账户对应自独立密码，这样可以实现两个或两个以上普通用户银行账户对同一账户联合管理和对该账号进行操作，并且不用排队去银行柜台办理类似联名账户的业务，并且通过建立不同规则可以在没有支付宝的情况下实现类似的商品交易行为。Compared with the prior art, generally one account only has one user information and one password, but the special user bank account of the present invention can have ordinary user bank accounts, and each ordinary user bank account corresponds to an independent password, so that two passwords can be realized. Or two or more ordinary user bank accounts jointly manage and operate the same account, and do not need to queue up to the bank counter to handle business similar to joint accounts, and by establishing different rules, similar commodity transactions can be realized without Alipay Behavior.

附图说明Description of drawings

为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. For those skilled in the art, other drawings can also be obtained according to these drawings without any creative effort.

图1是本发明银行交易系统的示意图。Fig. 1 is a schematic diagram of the bank transaction system of the present invention.

图2是本发明简要账户对应关系示意图。Fig. 2 is a schematic diagram of a brief account correspondence relationship in the present invention.

具体实施方式detailed description

下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

请参阅图1，本发明的一种银行交易系统，包括201信息获取装置、202信息显示装置、204密码验证装置、203账户操作装置和205中央处理装置，该201信息获取装置用于获取用户银行账户信息、用户账户密码信息、用户对其账户操作信息；202信息显示装置用于显示操作界面、用户的输入操作、系统提示信息、系统反馈信息；204密码验证装置用于验证用户银行账户对应的输入密码是否正确；203账户操作装置用于对银行账户进行查询、存款、取款和/或转账操作；205中央处理装置协调前述各装置操作，前述各装置将操作信息反馈给205中央处理装置，205中央处理装置对反馈信息处理后指令相应装置进行操作，该系统还包括301特殊用户银行账户，其对应的特定输入密码需要分3次输入，所述201信息获取装置获取3次输入密码，所述204密码验证装置在验证3次输入的密码均正确时则此301特殊用户银行账户的输入密码正确，具体对应关系可以参照图2，有三个302普通用户银行账户对应于一个301特殊用户银行账户。其中，所述信息获取装置获取的所述普通用户银行账户信息可以是在3个不同的输入终端设备上进行的，205中央处理装置负责协调处理整体操作，例如在互联网时代，可以处于不同的城市甚至国家来实现这个操作。每个普通用户银行账户与所述特殊用户银行账户相对应有一个关联密码，3个302普通用户银行账户与所述301特殊用户银行账户关联的密码共同组成此特殊用户银行账户的密码。Please refer to Fig. 1, a kind of bank transaction system of the present invention includes 201 information acquisition device, 202 information display device, 204 password verification device, 203 account operation device and 205 central processing device, and this 201 information acquisition device is used for obtaining user bank Account information, user account password information, user operation information on its account; 202 information display device is used to display the operation interface, user input operation, system prompt information, system feedback information; 204 password verification device is used to verify the user's bank account corresponding Whether the input password is correct; the 203 account operation device is used to perform inquiry, deposit, withdrawal and/or transfer operations on the bank account; 205 the central processing device coordinates the operation of the aforementioned devices, and the aforementioned devices feed back the operation information to the 205 central processing device, 205 The central processing device instructs the corresponding device to operate after processing the feedback information. The system also includes 301 special user bank accounts, and the corresponding specific input password needs to be input in three times. The 201 information acquisition device obtains the input password for three times. When the 204 password verification device verifies that the passwords input for three times are correct, the input passwords of the 301 special user bank accounts are correct. The specific corresponding relationship can be referred to in Figure 2. There are three 302 common user bank accounts corresponding to one 301 special user bank account. Wherein, the bank account information of ordinary users obtained by the information obtaining device may be performed on three different input terminal devices, and the 205 central processing device is responsible for coordinating and processing the overall operation, for example, in the Internet age, it may be located in different cities Even countries to achieve this operation. Each ordinary user bank account has an associated password corresponding to the special user bank account, and the passwords associated with the 302 ordinary user bank accounts and the 301 special user bank accounts together form the password of the special user bank account.

当然，上面例子中的银行交易系统的三个普通用户银行账户也可以是在同一个终端上实现上面操作，例如普通用户银行账户信息是在同一台柜员机上进行的，每个普通用户银行账户信息存储在一张银行卡上，其中关联在一张银行卡上也可以理解为此处的存储，在同一台柜员机内先后放入3张银行卡或同时放入3张银行卡。可以是放入一张卡，输入相应密码，然后吐出该卡，然后放入下一张银行卡，输入相应密码，吐卡，再放入第三张银行卡，然后再输入相应密码。也可以是三张银行卡都放入柜员机之后输入相应密码，或每放一张输入一次密码，最后三张卡一起吐出。Of course, the three ordinary user bank accounts of the bank transaction system in the above example can also implement the above operations on the same terminal. For example, the bank account information of ordinary users is carried out on the same teller machine. Stored on a bank card, which can also be understood as the storage here when associated with a bank card, put 3 bank cards in the same teller machine successively or put 3 bank cards at the same time. It can be put in a card, enter the corresponding password, then spit out the card, then put in the next bank card, enter the corresponding password, spit out the card, put in the third bank card, and then enter the corresponding password. It can also be that all three bank cards are put into the teller machine and the corresponding password is input, or the password is input once for each bank card, and the last three cards are spit out together.

在网络时代，特殊用户银行账户可以是由一个普通用户银行账户通过信息获取装置输入信息通过银行交易系统向一方或多方普通用户银行账户发送邀约信息，例如特别是老婆邀约老公，将老公工资卡建立这个特殊用户银行账户，然后由被邀约方的普通用户银行账户在信息获取装置输入同意信息后共同创建起来的。这种邀约可以是临时的一种支付款项但又怕对方违约，建立一个类似第三方临时监管账户，交易顺利进行之后则此特殊用户银行账户注销。例如应用场景是想买一批货，货值在5万元左右，不是在阿里巴巴这样的平台上购买的，则卖方为了保障自己的利益可以邀约建立这么一个特殊用户银行账户，买方将款项转到此账户，买方收到货后可以确认注销此账户，相应款项转给卖家账户。具体可以在实际操作中约定不同规则，实现不同的目的。比较好的方式为普通用户银行账户在建立所述特殊用户银行账户后仍然具有原来普通用户银行账户所具有的功能。In the Internet age, a special user bank account can be an ordinary user bank account that inputs information through an information acquisition device and sends invitation information to one or more ordinary user bank accounts through the bank transaction system. This special user bank account is then jointly created by the common user bank account of the invitee after inputting the consent information in the information acquisition device. This kind of invitation can be a kind of temporary payment, but fearing that the other party will breach the contract, a temporary third-party supervision account is established. After the transaction goes smoothly, the bank account of this special user will be cancelled. For example, the application scenario is to buy a batch of goods, the value of which is about 50,000 yuan, and the purchase is not on a platform like Alibaba. In order to protect its own interests, the seller can invite to establish such a special user bank account, and the buyer transfers the money to After entering this account, the buyer can confirm to cancel this account after receiving the goods, and the corresponding funds will be transferred to the seller's account. Specifically, different rules can be agreed upon in actual operation to achieve different purposes. A better way is that the ordinary user bank account still has the functions of the original ordinary user bank account after the special user bank account is established.

本发明所称的特殊用户银行账户是与现有的普通用户银行账户相对而言的，主要是功能上与现有普通用户银行账户相比不同，功能比较特殊，其对应的密码被称为特定输入密码。特殊用户银行账户可以呈现给用户的帐号格式、长度与现有的普通银行账户基本相同，没有明显区别，也可以转入和转出款项，当然特殊用户银行账户也可以长度、帐号格式与普通银行账户完全不同，具体帐号的格式、存储格式并不是本发明的技术要点。在整个系统中特殊用户银行账户的特定输入密码是分N次输入的，本发明的权利要求中没有限定特定输入密码的N次输入具体顺序，在实际应用中N次输入的密码可以有顺序，也可以没有顺序。例如特定输入密码是分3次输入，没有顺序要求时，其中一次的密码是123456，一次的密码是345678，一次的密码是567890，顺次输入567890，123456，34567，验证密码输入正确；顺次输入34567，567890，123456，验证密码也是输入正确；顺次输入123456，567890，123456，验证密码输入错误。再例如特定输入密码是分3次输入，有顺序要求时，其中第一次的密码是123456，第二次的密码是345678，第三次的密码是567890，顺次输入123456，34567，567890，验证密码输入正确；顺次输入34567，567890，123456，验证密码是输入错误。The special user bank account referred to in the present invention is relative to the existing ordinary user bank account. enter password. The account number format and length of the special user bank account can be presented to the user is basically the same as that of the existing ordinary bank account, there is no obvious difference, and money can also be transferred in and out. Of course, the length and account number format of the special user bank account can also be the same as that of ordinary banks Accounts are completely different, and the format and storage format of specific accounts are not the technical points of the present invention. In the whole system, the specific input password of the special user's bank account is divided into N times of input. The specific order of N times of input of the specific input password is not limited in the claims of the present invention. In practical applications, the passwords of N times of input can have an order, It is also possible to have no order. For example, the specific input password is divided into three times, and when there is no sequence requirement, the password for one time is 123456, the password for one time is 345678, and the password for one time is 567890, and the passwords are entered in sequence 567890, 123456, 34567 to verify that the passwords are entered correctly; Enter 34567, 567890, 123456, and the verification password is also entered correctly; enter 123456, 567890, 123456 in sequence, and the verification password is entered incorrectly. For another example, the specific input password is input in three times. When there is a sequence requirement, the first password is 123456, the second password is 345678, and the third password is 567890. Input 123456, 34567, 567890 in sequence, The verification password is entered correctly; enter 34567, 567890, 123456 in sequence, and the verification password is entered incorrectly.

尽管结合优选实施方案具体展示和介绍了本发明，但所属领域的技术人员应该明白，在不脱离所附权利要求书所限定的本发明的精神和范围内，在形式上和细节上可以对本发明做出各种变化，均为本发明的保护范围。Although the present invention has been particularly shown and described in conjunction with preferred embodiments, it will be understood by those skilled in the art that changes in form and details may be made to the present invention without departing from the spirit and scope of the invention as defined by the appended claims. Making various changes is within the protection scope of the present invention.

Claims

1. a kind of bank transaction system, including information acquisition device, information display device, password authentication device, account operation dressPut and central processing unit, the information acquisition device is used to obtain user's bank account information, user account password information, userTo its account operation information；Information display device is used for operation display interface, the input operation of user, system prompt information, isSystem feedback information；Password authentication device is used to verify whether the corresponding input password of user's bank account is correct；Account operation is filledPut for being inquired about bank account, being deposited, withdrawn the money and/or transfer operation；Central processing unit coordinates foregoing each device behaviourMake, operation information is fed back to central processing unit by foregoing each device, and central processing unit after feedback information processing to instructing phaseDevice is answered to be operated, it is characterised in that：The system also includes special user's bank account, and its corresponding specific input password is neededPoint n times are inputted, and described N is more than or equal to 2, and described information acquisition device obtains n times input password, the password authentification dressThe input password for putting then this special user's bank account when the password for verifying n times input is correct is correct.

2. the bank transaction system described in claim 1, it is characterised in that described special user's bank account correspondence is N number of commonUser's bank account information, described N number of domestic consumer's bank account and the N in described n times input password is identical, oftenIndividual domestic consumer's bank account is relative with special user's bank account should an association password, N number of bank of domestic consumerAccount collectively constitutes the password of this special user's bank account with the password that special user's bank account is associated.

3. the bank transaction system described in claim 2, it is characterised in that described N is 2.

4. the bank transaction system described in claim 2, it is characterised in that the common use that described information acquisition device is obtainedFamily bank account information is carried out in different input terminal equipment, and central processing unit is responsible for Coordination Treatment and integrally graspedMake.

5. the bank transaction system described in claim 2, it is characterised in that the common use that described information acquisition device is obtainedFamily bank account information is carried out on same automatic teller machine, and each domestic consumer's bank account information is stored in a bankOn card, N bank cards are successively put into same automatic teller machine or while N bank cards are put into.

6. the bank transaction system described in claim 1,2,3,4 or 5, it is characterised in that special user's bank account be byIt is to a side or in many ways common by bank transaction system that one domestic consumer's bank account inputs information by information acquisition deviceUser's bank account sends and invites information, then same by being inputted by the domestic consumer's bank account for the side of inviting in information acquisition deviceIt is common after information of anticipating to create what is got up.

7. the bank transaction system described in claim 6, it is characterised in that described domestic consumer's bank account is setting up describedStill there is the function that original domestic consumer's bank account has after special user's bank account.

8. the bank transaction system described in claim 6, it is characterised in that special user's bank account when setting up eachThe information obtained via bank transaction system by described information acquisition device between domestic consumer's bank account of foundation is builtCertain rule has been found, it is clear and definite how account operation to be passed through to the money in this special user's bank account by system under given conditionsDevice is divided.

9. the bank transaction system described in claim 6, it is characterised in that described special user's bank account can be by creatingAny domestic consumer's bank account sends dismission and invited in person, when the whole that information acquisition device is got in all founders is generalGeneral family bank account is all agreed to dismiss, then the central processing unit sends instruction by this special user's bank account cancellation.

10. the bank transaction system described in claim 6, it is characterised in that the central processing unit is according to the bar of defaultPart instruction account operation device turns money to special user's bank account from domestic consumer's bank account.