Method and background system for realizing joint account service operation

The invention discloses a method for realizing joint account service operation, which comprises the following steps: receiving account information on a joint account card; inquiring joint owner information corresponding to a joint account and generating a transaction session number; performing password authentification one by one; if a password passes the authentification, registering a password authentification passing mark, a password passing time and the transaction session number as authentification information and executing a next step, and if the password does not pass the authentification, exiting the transaction, and disabling the transaction session number; and receiving a funds operation request of a customer and processing the funds operation request. Correspondingly, the invention also discloses a background system for realizing the joint account service operation. By implementing the embodiment of the invention, the links of inquiry, password authentification and service processing are associated by adopting the joint account card as an account medium and using a unique transaction session number; therefore, the finance activity space of the customer is promoted, the password authentification efficiency of a plurality of joint owners is improved, and the safety of the funds operation of the joint account is enhanced.