CN107563738A - The method and payment devices of selected payment account - Google Patents
The method and payment devices of selected payment account Download PDFInfo
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- CN107563738A CN107563738A CN201710757148.3A CN201710757148A CN107563738A CN 107563738 A CN107563738 A CN 107563738A CN 201710757148 A CN201710757148 A CN 201710757148A CN 107563738 A CN107563738 A CN 107563738A
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Abstract
The disclosure provides the method and payment devices of selected payment account, and the method for selected payment account includes：When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account；The payment interface for paying enabled instruction and being used to activate payment platform, candidate's account is the account for being used to pay with payment platform binding, and candidate's account includes at least one credit card；Export the payment interface paid by the target account.The technical scheme selectes one for paying in turn when user is paid from the account bound with payment platform.User carry out several times pay after, with payment platform binding each credit card can be used, so as to avoid credit card due to for a long time without using and produce annual fee, cause financial burden to user.
Description
Technical field
This disclosure relates to areas of information technology, more particularly to the method and payment devices of selected payment account.
Background technology
If without using there may be annual fee, financial burden is caused to user for a long time for credit card.
The content of the invention
The embodiment of the present disclosure provides the method and payment devices of selected payment account, and technical scheme is as follows：
According to the first aspect of the embodiment of the present disclosure, there is provided a kind of method of selected payment account, including：
When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account；The branch
The payment interface that enabled instruction is used to activate payment platform is paid, candidate's account is for branch with payment platform binding
The account paid, candidate's account include at least one credit card；
Export the payment interface paid by the target account.
The technical scheme that the disclosure provides, when user is paid, is selected in turn from the account bound with payment platform
Determine one to be used to pay.User carry out several times pay after, with payment platform binding each credit card can by with
Arrive, so as to avoid credit card due to for a long time without using and produce annual fee, cause financial burden to user.
In one embodiment, candidate's account includes more than one credit card, is taken turns in the account from candidate
Stream selectes one as target account, including：
One is selected in turn from the credit card in candidate's account as target account.
Candidate's account can include polytype account, such as deposit card account, credit card and payment platform
Account of offer etc..Paid in turn by using credit card, the overall frequency of use of credit card can be improved,
So as to avoid credit card due to for a long time without using and produce annual fee, in addition commonly using credit card beneficial to user safeguard
Preferable credit rating.
In one embodiment, candidate's account includes more than one credit card, is taken turns in the account from candidate
Stream selectes one as target account, including：
Target component is less than in the credit card of predetermined threshold value from candidate's account selectes one as mesh in turn
Mark account；
Wherein, the target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting in target time section
Score value.
The less credit card of target component, it is the less credit card used of user.By using these credits
Card account is paid in turn, can avoid credit card due to for a long time without using and produce annual fee, in addition commonly using credit
Card account is beneficial to user and safeguards preferable credit rating.
In one embodiment, candidate's account includes more than one credit card, is taken turns in the account from candidate
Stream selectes one as target account, including：
One conduct is selected in other credit cards from candidate's account in addition to credit card is suspended in turn
Target account；
Wherein, the pause credit card is the credit card that cumulative consumption volume exceedes bill limit in the current bill cycle
Account, the bill limit of credit card are less than the amount of credit card.
When the cumulative consumption volume of a credit card is larger, it can suspend and be paid using the credit card, and
Paid by other credit cards.On the one hand the frequency of use of other credit cards can be improved, is tieed up beneficial to user
Protect preferable credit rating.On the other hand, different credit cards generally refund the date difference, it is less by cumulative consumption volume
Credit card is paid, the refund pressure of dispersible user.
In one embodiment, one is selected in turn from credit card as target account, including：
Ordering according to credit card selectes one as target account in turn；
Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target
Account；
Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account
Family.
In multiple payment process, the flexible and changeable means of payment in turn can be used, to ensure multiple credit cards quilt
Use, preferable credit rating is safeguarded beneficial to user, and beneficial to the refund pressure of dispersion user.
According to the second aspect of the embodiment of the present disclosure, there is provided a kind of payment devices, including：
Account of withholing chosen module, for when receiving triggering payment enabled instruction, it to be selected in turn from candidate's account
One is used as target account；It is described to pay enabled instruction and be used to activating the payment interface of payment platform, candidate's account for institute
The account for being used to pay of payment platform binding is stated, candidate's account includes at least one credit card；
Output module, for exporting the payment interface paid by the target account.
In one embodiment, candidate's account includes more than one credit card, and the account of withholing selectes mould
Block includes credit card and selectes submodule；
The credit card selectes submodule, for selecting it in turn from the credit card in candidate's account
One is used as target account.
In one embodiment, candidate's account includes more than one credit card, and the account of withholing selectes mould
Block includes credit card and chooses submodule；
The credit card chooses submodule, for from candidate's account target component be less than the letter of predetermined threshold value
Target account is used as by the use of one is selected in card account in turn；
Wherein, the target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting in target time section
Score value.
In one embodiment, candidate's account includes more than one credit card, and the account of withholing selectes mould
Block includes credit card screening submodule；
The credit card screens submodule, for other from candidate's account in addition to credit card is suspended
One is selected in credit card in turn as target account；
Wherein, the pause credit card is the credit card that cumulative consumption volume exceedes bill limit in the current bill cycle
Account, the bill limit of credit card are less than the amount of credit card.
In one embodiment, the account chosen module of withholing includes control submodule in turn；
The control submodule in turn, one is selected in turn for the ordering according to credit card as target account
Family；Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target account；
Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account.
According to the third aspect of the embodiment of the present disclosure, there is provided a kind of payment devices, including：
Processor；
For storing the memory of processor-executable instruction；
Wherein, the processor is configured as：
When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account；The branch
The payment interface that enabled instruction is used to activate payment platform is paid, candidate's account is for branch with payment platform binding
The account paid, candidate's account include at least one credit card；
Export the payment interface paid by the target account.
According to the fourth aspect of the embodiment of the present disclosure, there is provided a kind of computer-readable recording medium, be stored thereon with calculating
Machine instructs, and the instruction realizes the step of first aspect provides method when being executed by processor.
It should be appreciated that the general description and following detailed description of the above are only exemplary and explanatory, not
The disclosure can be limited.
Brief description of the drawings
Accompanying drawing herein is merged in specification and forms the part of this specification, shows the implementation for meeting the disclosure
Example, and be used to together with specification to explain the principle of the disclosure.
Fig. 1 is the flow chart of the method for the selected payment account according to an exemplary embodiment.
Fig. 2 is the flow chart of the method for the selected payment account according to an exemplary embodiment.
Fig. 3 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 4 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 5 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 6 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 7 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 8 is the block diagram of the electronic equipment according to an exemplary embodiment.
Fig. 9 is the block diagram of the terminal device according to an exemplary embodiment.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the disclosure.On the contrary, they be only with it is such as appended
The example of the consistent apparatus and method of some aspects be described in detail in claims, the disclosure.
If credit card is for a long time without using may cause to produce annual fee, or credit card amount is turned down etc. and is unfavorable for
The situation of user, financial burden can be caused to user.In addition, for a long time without using be also possible to can image bank the credit of user is commented
Level, it is unfavorable for user and handles debt-credit or other financial services.
The purpose of the disclosure is, during user by payment platform repeatedly pay, in turn using multiple
Account is paid, and the usage frequency or cumulative consumption amount of each credit card is improved as far as possible, so as to avoid producing
Freely, good credit rating is maintained.
Fig. 1 is a kind of flow chart of the method for selected payment account according to an exemplary embodiment, and this method should
For payment devices, payment devices are the equipment that can be paid by paying the payment platforms such as application, net purchase application, including individual
People's computer, mobile phone, flat board etc..The method of selected payment account includes step 101-102：
In a step 101, when receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target
Account.
Pay the payment interface that enabled instruction is used to activate payment platform.
In one embodiment, payment devices are touch-screen mobile phone, and paying enabled instruction can be touched by the gesture operation of user
Hair.For example, user when being applied using net about car, is triggered when application interface clicks on " being paid to driver " and pays enabled instruction.
In one embodiment, payment devices are PC, and paying enabled instruction can be triggered by mouse action.Example
Such as, user's triggering when clicking on " clearing " after being placed an order on net purchase platform pays enabled instruction.
Above example is only that the exemplary illustration of enabled instruction is paid to triggering, and it is specific not to pay enabled instruction to triggering
The exhaustion of mode.
Candidate's account is the account for being used to pay with payment platform binding.Candidate's account includes at least one credit card account
Family.Payment platform includes but is not limited to various network payment instruments, mobile payment instrument etc..
Candidate's account may include polytype account, in addition to credit card, may also include deposit card account, branch
Pay account that platform provides etc..The quantity of a certain class T-account can be one or more.
Selected in turn from candidate's account first, referring to be paid using different accounts respectively in multiple pay.Example
Such as, all accounts in candidate's account are sorted according to a graded, after adjacent preceding once triggering payment enabled instruction, from time
Select and one is selected in account as target account.After once triggering pays enabled instruction after adjacent, selected from candidate's account
Next account is as target account.
In a step 102, the payment interface that output is paid by target account.
In one embodiment, payment interface includes Quick Response Code and bar code, and payment account explanation.Wherein branch is paid a bill
Family illustrates can be similar to " being paid using XX cards " such word for being used for explanation and being withholdd from target account.When beneficiary scans
When the Quick Response Code or bar code of payment interface, complete to pay.
In another embodiment, payment interface includes beneficiary identity explanation, Payment Amount input area, payment cipher input
Area's payment account explanation.Wherein beneficiary identity illustrates can be similar " being paid to XX " such text for being used to indicate beneficiary
Word.Complete to pay after user inputs payment cipher and confirms.
The method for the selected payment account that the embodiment of the present disclosure provides, when user is paid, is tied up from payment platform
One is selected in fixed account in turn to be used to pay.User is after pay several times, each letter with payment platform binding
Can be used with card account, so as to avoid credit card due to for a long time without using and produce annual fee, to user cause through
Ji burden.
The method of the selected payment account provided based on embodiment corresponding to above-mentioned Fig. 1, Fig. 2 is according to an exemplary implementation
A kind of flow chart of the method for the selected payment account exemplified, embodiment is only for the credit in candidate's account corresponding to Fig. 2
Card account illustrates.The step in content embodiment corresponding with Fig. 1 in which part step is same or like, below only
Difference in step is elaborated.Shown in reference picture 2, the method for the selected payment account that the present embodiment provides includes step
Rapid 201-202：
In step 201, when receiving triggering payment enabled instruction, selected in turn from the credit card in candidate's account
One is determined as target account.
Step 201 will be divided into two parts and illustrate, and Part I illustrates which credit card can be chosen to be mesh
Account is marked, i.e. which account can be used for paying in turn.Part II illustrates the mode paid in turn, you can be chosen to be mesh
How the credit card of mark account is paid in turn.
Part I, the credit card of target account can be chosen to be, three kinds of possible implementations are enumerated in the present embodiment
Mode.
The first embodiment, the credit card in candidate's account can be chosen as target account.
For example, candidate's account includes three credit cards, respectively credit card A, credit card B, credit altogether
Card account C.
Triggered in first time after paying enabled instruction, it is target account to select credit card A.
After second of triggering pays enabled instruction, it is target account to select credit card B.
After third time triggers and pays enabled instruction, it is target account to select credit card B.
Herein, it can be adjacent triggering three times that triggering, which pays enabled instruction, for the first time, for the second time, for the third time, can also
It is non-conterminous to trigger three times.For example, during using credit card to pay in turn, can intert using other kinds of
Account is paid (non-conterminous situation), or is preferentially paid (adjacent situation) using credit card to improve letter
With the frequency of use of card account, unless standby credit card does not pay and needed with other kinds of account in application scenes
Pay.
The present embodiment illustrates only for the credit card in candidate's account, to being carried out using other kinds of account
The situation of payment will not be described in great detail.
Second of embodiment, target component are less than selected target account in the credit card of predetermined threshold value.
Target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
For example, target component is the accumulative access times within past 6 months, predetermined threshold value is 10 (secondary).
Accumulative access times of the credit card A within past 6 months are 50 times.
Accumulative access times of the credit card B within past 6 months are 8 times.
Accumulative access times of the credit card C within past 6 months are 3 times.
Then credit card B and credit card C can be chosen to be target account.
In another example target component is the cumulative consumption volume within past 6 months, predetermined threshold value is 30,000 (blocks).
Cumulative consumption volumes of the credit card A within past 6 months is 1.5 ten thousand pieces.
Cumulative consumption volumes of the credit card B within past 6 months is 0.2 ten thousand pieces.
Cumulative consumption volumes of the credit card C within past 6 months is 5.3 ten thousand pieces.
Then credit card A and credit card B can be chosen to be target account.
For another example target component is the aggregate value method of weighting score value within past 6 months, predetermined threshold value is 5,000 (points).
Cumulative consumption volumes of the credit card A within past 6 months is 1.5 thousand points.
Cumulative consumption volumes of the credit card B within past 6 months is 8.3 thousand points.
Cumulative consumption volumes of the credit card C within past 6 months is 2.5 thousand points.
Then credit card A and credit card C can be chosen to be target account.
The less credit card of target component, it is the less credit card for using (number, the amount of consumption are less) of user.
Paid in turn by using these credit cards, can avoid credit card due to for a long time without using and produce annual fee,
It is beneficial to user commonly using credit card in addition and safeguards preferable credit rating.
The third embodiment, selected target account in the less credit card of cumulative consumption volume in the current bill cycle
Family.
Payment devices are that a credit card account sets a bill limit, and generally, bill limit is less than the credit card account
Number amount.Bill limit can be default value or User Defined value.
When credit card current bill cycle (being usually 1 month) the interior cumulative consumption volume exceedes the bill of the credit card account
During limit, it can suspend within the current bill cycle and be paid using the credit card account, and other credit card accounts from candidate's account
One is selected in family as target account.
For example, credit card A amount is 50,000 pieces, corresponding bill limit is 1.5 ten thousand, account current bill week
Cumulative consumption volume is 0.8 ten thousand in phase.
Credit card B amount is 50,000 pieces, and corresponding bill limit is 2.0 ten thousand, is tired out in the current bill cycle account
It is 1.5 ten thousand to count the amount of consumption.
Credit card C amount is 50,000 pieces, and corresponding bill limit is 1.0 ten thousand, is tired out in the current bill cycle account
It is 1.1 ten thousand to count the amount of consumption.
Then credit card A and credit card B can be chosen to be target account.
When the cumulative consumption volume of a credit card is larger, can suspend using the credit card within the current bill cycle
Account is paid, and is paid by other credit cards.On the one hand the use of other credit cards can be improved
Frequency, preferable credit rating is safeguarded beneficial to user.On the other hand, different credit cards generally refund the date difference, pass through
The less credit card of cumulative consumption volume is paid, the refund pressure of dispersible user.
Part II, the mode paid in turn, three kinds of possible embodiments is enumerated in the present embodiment.
The first embodiment, one is selected in turn as target account according to the ordering of credit card.
For example, credit card A, credit card B and credit card C are can be chosen to be target account three
Credit card.The ordering of three credit cards is：Credit card A is before credit card B, credit card B
Before credit card C.
Triggered in first time after paying enabled instruction, it is target account to select credit card A.
After second of triggering pays enabled instruction, it is target account to select credit card B.
After third time triggers and pays enabled instruction, it is target account to select credit card B.
Herein, it can be adjacent triggering three times that triggering, which pays enabled instruction, for the first time, for the second time, for the third time, can also
It is non-conterminous to trigger three times.
Second of embodiment, it is selected in turn according to accumulative access times of the credit card within the current bill cycle
One is used as target account.
For example, accumulative access times of the credit card A within the current bill cycle are 5 times.
Accumulative access times of the credit card B within the current bill cycle are 12 times.
Accumulative access times of the credit card C within the current bill cycle are 3 times.
Then this payment can select credit card C as target account, pay next time and still select credit card C works
For target account., can be in credit card after accumulative access times of the credit card C within the current bill cycle reach 5 times
Selected in turn between account A and credit card C.When accumulative access times of 3 credit cards within the current bill cycle
After reaching 12 times, it can be selected in turn between 3 credit cards, it is possible thereby to reach averagely different account access times
Effect.
The third embodiment, one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle
As target account.
For example, cumulative consumption volumes of the credit card A within the current bill cycle is 1.5 ten thousand.
Cumulative consumption volumes of the credit card B within the current bill cycle is 0.4 ten thousand.
Cumulative consumption volumes of the credit card C within the current bill cycle is 0.3 ten thousand.
Then this payment can select credit card C as target account.When credit card C is within the current bill cycle
Cumulative consumption volume reach 0.4 ten thousand after, can be selected in turn between credit card B and credit card C.When 3 credits
After cumulative consumption volume of the card account within the current bill cycle reaches 1.5 ten thousand, it can be selected in turn between 3 credit cards
Select, it is possible thereby to have the function that averagely different account debits, beneficial to the refund pressure of dispersion user..
In step 202, the payment interface that output is paid by target account.
The method for the selected payment account that the embodiment of the present disclosure provides, when user is paid, is tied up from payment platform
One is selected in fixed account in turn to be used to pay.User is after pay several times, each letter with payment platform binding
Can be used with card account, so as to avoid credit card due to for a long time without using and produce annual fee, to user cause through
Ji burden.
Following is disclosure apparatus embodiments, can be used for performing embodiments of the present disclosure.
Fig. 3 is the block diagram of a kind of electronic equipment according to an exemplary embodiment, and the equipment can be by software, hard
Part or both is implemented in combination with its some or all of function, for performing described in embodiment corresponding to Fig. 1-Fig. 2
The method of selected payment account.As shown in figure 3, electronic equipment includes：
Account of withholing chosen module 301, for when receiving triggering payment enabled instruction, being selected in turn from candidate's account
One is as target account.Pay enabled instruction and be used to activating the payment interface of payment platform, candidate's account is and payment platform
The account for being used to pay of binding, candidate's account include at least one credit card.
Output module 302, for exporting the payment interface paid by target account.
As shown in figure 4, in one embodiment, candidate's account includes more than one credit card, account of withholing is selected
Module 301 includes credit card and selectes submodule 3011.
Credit card selectes submodule 3011, makees for selecting one in turn from the credit card in candidate's account
For target account.
As shown in figure 5, in one embodiment, candidate's account includes more than one credit card, account of withholing is selected
Module 301 includes credit card and chooses submodule 3012.
Credit card choose submodule 3012, for from candidate's account target component be less than predetermined threshold value credit card
One is selected in account in turn as target account.
Wherein, target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
As shown in fig. 6, in one embodiment, candidate's account includes more than one credit card, account of withholing is selected
Module 301 includes credit card screening submodule 3013.
Credit card screens submodule 3013, for other credits from candidate's account in addition to credit card is suspended
One is selected in card account in turn as target account.
Wherein, it is the credit card account that cumulative consumption volume exceedes bill limit in the current bill cycle to suspend credit card
Family, the bill limit of credit card are less than the amount of credit card.
As shown in fig. 7, in one embodiment, account of withholing chosen module 301 includes control submodule 3014 in turn.
Control submodule 3014 in turn, one is selected in turn for the ordering according to credit card as target account
Family.Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target account.
Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account.
The electronic equipment that the embodiment of the present disclosure provides, when user is paid, from the account bound with payment platform
One is selected in turn to be used to pay.User is equal with each credit card of payment platform binding after pay several times
Can be used, so as to avoid credit card due to for a long time without using and produce annual fee, cause financial burden to user.
Fig. 8 is the block diagram of a kind of electronic equipment according to an exemplary embodiment, and the equipment can be by software, hard
Part or both is implemented in combination with as some or all of of electronic equipment, and the electronic equipment is used to perform above-mentioned Fig. 1-Fig. 2
The method of selected payment account described in corresponding embodiment.As shown in figure 8, the electronic equipment 80 includes：
Processor 801.
For storing the memory 802 of the executable instruction of processor 801.
Wherein, processor 801 is configured as：
When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account.Payment is opened
Dynamic instruction is used for the payment interface for activating payment platform, and candidate's account is the account for being used to pay with payment platform binding, is waited
Account is selected to include at least one credit card.
The payment interface that output is paid by target account.
In one embodiment, candidate's account includes more than one credit card, and above-mentioned processor 801 can also be configured
For：
One is selected in turn from the credit card in candidate's account as target account.
In one embodiment, candidate's account includes more than one credit card, and above-mentioned processor 801 can also be configured
For：
Target component is less than in the credit card of predetermined threshold value from candidate's account selectes one as target account in turn
Family.
Wherein, target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
In one embodiment, candidate's account includes more than one credit card, and above-mentioned processor 801 can also be configured
For：
One is selected in other credit cards from candidate's account in addition to credit card is suspended in turn as target
Account.
Wherein, it is the credit card account that cumulative consumption volume exceedes bill limit in the current bill cycle to suspend credit card
Family, the bill limit of credit card are less than the amount of credit card.
In one embodiment, above-mentioned processor 801 is also configured to：
Ordering according to credit card selectes one as target account in turn.
Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target
Account.
Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account
Family.
The electronic equipment that the embodiment of the present disclosure provides, when user is paid, from the account bound with payment platform
One is selected in turn to be used to pay.User is equal with each credit card of payment platform binding after pay several times
Can be used, so as to avoid credit card due to for a long time without using and produce annual fee, cause financial burden to user.
The electronic equipment that the embodiment of the present disclosure provides can be a terminal device as shown in Figure 9, and Fig. 9 is shown according to one
Example property implements the block diagram of a kind of terminal device exemplified, and the terminal device 90 can be smart mobile phone, tablet personal computer etc., the end
End equipment 90 is used for the method for performing the selected payment account described in embodiment corresponding to above-mentioned Fig. 1-Fig. 2.
Terminal device 90 can include following one or more assemblies：Processing component 901, memory 902, power supply module
903, multimedia groupware 904, audio-frequency assembly 905, the interface 906 of input/output (I/O), sensor cluster 907, and communication
Component 908.
Processing component 901 generally controls the integrated operation of terminal device 90, is such as communicated with display, call, data,
The operation that camera operation and record operation are associated.Processing component 901 can include one or more processors 9011 to perform
Instruction, to complete all or part of step of above-mentioned method.In addition, processing component 901 can include one or more modules,
The interaction being easy between processing component 901 and other assemblies.For example, processing component 901 can include multi-media module, with convenient
Interaction between multimedia groupware 904 and processing component 901.
Memory 902 is configured as storing various types of data to support the operation in terminal device 90.These data
Example include being used for the instruction of any application program or method operated on terminal device 90, contact data, telephone directory
Data, message, picture, video etc..Memory 902 can by any kind of volatibility or non-volatile memory device or it
Combination realize, such as static RAM (English full name：Static Random Access Memory, English letter
Claim：SRAM), Electrically Erasable Read Only Memory (English full name：Electrically Erasable Programmable
Read Only Memory, English abbreviation：EEPROM), Erasable Programmable Read Only Memory EPROM (English full name：Erasable
Programmable Read Only Memory, English abbreviation：EPROM), programmable read only memory (English full name：
Programmable Read Only Memory, English abbreviation：PROM), read-only storage (English full name：Read Only
Memory, English abbreviation：ROM), magnetic memory, flash memory, disk or CD.
Power supply module 903 provides electric power for the various assemblies of terminal device 90.Power supply module 903 can include power management
System, one or more power supplys, and other components associated with generating, managing and distributing electric power for terminal device 90.
Multimedia groupware 904 is included in the screen of one output interface of offer between terminal device 90 and user.One
In a little embodiments, screen can include liquid crystal display (English full name：Liquid Crystal Display, English abbreviation：
) and touch panel (English full name LCD：Touch Panel, English abbreviation：TP).If screen includes touch panel, screen can
To be implemented as touch-screen, to receive the input signal from user.Touch panel include one or more touch sensors with
Gesture on sensing touch, slip and touch panel.Touch sensor can the not only border of sensing touch or sliding action, and
And also detection and the duration and pressure touched or slide is related.In certain embodiments, multimedia groupware 904 includes
One front camera and/or rear camera.When terminal device 90 is in operator scheme, such as screening-mode or video mode
When, front camera and/or rear camera can receive outside multi-medium data.Each front camera and rearmounted shooting
Head can be a fixed optical lens system or have focusing and optical zoom capabilities.
Audio-frequency assembly 905 is configured as output and/or input audio signal.For example, audio-frequency assembly 905 includes a Mike
Wind (English full name：Microphone, English abbreviation：MIC), when terminal device 90 is in operator scheme, such as call model, record
When pattern and speech recognition mode, microphone is configured as receiving external audio signal.The audio signal received can be entered
One step is stored in memory 902 or sent via communication component 908.In certain embodiments, audio-frequency assembly 905 also includes one
Loudspeaker, for exports audio signal.
I/O interfaces 906 provide interface between processing component 901 and peripheral interface module, and above-mentioned peripheral interface module can
To be keyboard, click wheel, button etc..These buttons may include but be not limited to：Home button, volume button, start button and lock
Determine button.
Sensor cluster 907 includes one or more sensors, for providing the state of various aspects for terminal device 90
Assess.For example, sensor cluster 907 can detect opening/closed mode of terminal device 90, the relative positioning of component, example
Such as the display and keypad that component is terminal device 90, sensor cluster 907 can be set with detection terminal equipment 90 or terminal
The position of standby 90 1 components changes, the existence or non-existence that user contacts with terminal device 90, the orientation of terminal device 90 or plus
Speed/deceleration and the temperature change of terminal device 90.Sensor cluster 907 can include proximity transducer, be configured to do not having
There is the presence that object nearby is detected during any physical contact.Sensor cluster 907 can also include optical sensor, such as complementary gold
Belong to oxide semiconductor (English full name：Complementary Metal Oxide Semiconductor, English abbreviation：
) or charge coupled cell (English full name CMOS：Charge Coupled Device, English abbreviation：CCD) imaging sensor, use
In being used in imaging applications.In certain embodiments, the sensor cluster 907 can also include acceleration transducer, gyro
Instrument sensor, Magnetic Sensor, pressure sensor or temperature sensor.
Communication component 908 is configured to facilitate the communication of wired or wireless way between terminal device 90 and other equipment.
Terminal device 90 can access the wireless network based on communication standard, such as Wireless Fidelity (English full name：Wireless-
Fidelity, English abbreviation：WiFi), 2G or 3G, or combinations thereof.In one exemplary embodiment, communication component 908
Broadcast singal or broadcast related information from external broadcasting management system are received via broadcast channel.In an exemplary implementation
In example, communication component 908 also includes near-field communication (English full name：Near Field Communication, English abbreviation：
NFC) module, to promote junction service.For example, radio frequency identification (English full name can be based in NFC module：Radio Frequency
Identification, English abbreviation：RFID) technology, Infrared Data Association's (English full name：Infrared Data
Association, English abbreviation：IrDA) technology, ultra wide band (English full name：Ultra Wideband, English abbreviation：UWB) skill
Art, bluetooth (English full name：Bluetooth, English abbreviation：BT) technology and other technologies are realized.
In the exemplary embodiment, terminal device 90 can be by one or more application specific integrated circuits (English full name：
Application Specific Integrated Circuit, English abbreviation：ASIC), (English is complete for digital signal processor
Claim：Digital Signal Processing, English abbreviation：DSP), digital signal processing appts (English full name：Digital
Signal Processing Device, English abbreviation：DSPD), PLD (English full name：Programmable
Logic Device, English abbreviation：PLD), field programmable gate array (English full name：Field Programmable Gate
Array, English abbreviation：FPGA), controller, microcontroller, microprocessor or other electronic components are realized, above-mentioned for performing
The method of selected payment account described in embodiment corresponding to Fig. 1-Fig. 2.
In the exemplary embodiment, a kind of non-transitorycomputer readable storage medium including instructing, example are additionally provided
Such as include the memory 902 of instruction, above-mentioned instruction can be performed to complete the above method by the processing component 901 of terminal device 90.
For example, non-transitorycomputer readable storage medium can be ROM, random access memory (English full name：Random
Access Memory, English abbreviation：RAM), CD-ROM, tape, floppy disk and optical data storage devices etc..When in storage medium
When instruction is performed by the processing component 901 of terminal device 90 so that terminal device 90 is able to carry out real corresponding to above-mentioned Fig. 1-Fig. 2
The method for applying the selected payment account described in example, this method include：
When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account.Payment is opened
Dynamic instruction is used for the payment interface for activating payment platform, and candidate's account is the account for being used to pay with payment platform binding, is waited
Account is selected to include at least one credit card.
The payment interface that output is paid by target account.
In one embodiment, candidate's account includes more than one credit card, and this method includes：
One is selected in turn from the credit card in candidate's account as target account.
In one embodiment, candidate's account includes more than one credit card, and this method includes：
Target component is less than in the credit card of predetermined threshold value from candidate's account selectes one as target account in turn
Family.
Wherein, target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
In one embodiment, candidate's account includes more than one credit card, and this method includes：
One is selected in other credit cards from candidate's account in addition to credit card is suspended in turn as target
Account.
Wherein, it is the credit card account that cumulative consumption volume exceedes bill limit in the current bill cycle to suspend credit card
Family, the bill limit of credit card are less than the amount of credit card.
In one embodiment, this method includes：
Ordering according to credit card selectes one as target account in turn.
Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target
Account.
Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account
Family.
The embodiment of the present disclosure provide terminal device and storage medium, when user is paid, from payment platform
One is selected in the account of binding in turn to be used to pay.User is each with payment platform binding after pay several times
Credit card can be used, so as to avoid credit card due to for a long time without using and produce annual fee, caused to user
Financial burden.
Those skilled in the art will readily occur to the disclosure its after considering specification and putting into practice disclosure disclosed herein
Its embodiment.The application is intended to any modification, purposes or the adaptations of the disclosure, these modifications, purposes or
Person's adaptations follow the general principle of the disclosure and including the undocumented common knowledges in the art of the disclosure
Or conventional techniques.Description and embodiments are considered only as exemplary, and the true scope of the disclosure and spirit are by following
Claim is pointed out.
It should be appreciated that the precision architecture that the disclosure is not limited to be described above and is shown in the drawings, and
And various modifications and changes can be being carried out without departing from the scope.The scope of the present disclosure is only limited by appended claim.
Claims (12)
- A kind of 1. method of selected payment account, it is characterised in that including：When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account；The payment is opened Dynamic instruction is used for the payment interface for activating payment platform, and candidate's account is to be used for what is paid with what the payment platform was bound Account, candidate's account include at least one credit card；Export the payment interface paid by the target account.
- 2. according to the method for claim 1, it is characterised in thatCandidate's account includes more than one credit card, selectes one in the account from candidate in turn as target account Family, including：One is selected in turn from the credit card in candidate's account as target account.
- 3. according to the method for claim 1, it is characterised in thatCandidate's account includes more than one credit card, selectes one in the account from candidate in turn as target account Family, including：Target component is less than in the credit card of predetermined threshold value from candidate's account selectes one as target account in turn Family；Wherein, the target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
- 4. according to the method for claim 1, it is characterised in thatCandidate's account includes more than one credit card, selectes one in the account from candidate in turn as target account Family, including：One is selected in other credit cards from candidate's account in addition to credit card is suspended in turn as target Account；Wherein, the pause credit card is the credit card account that cumulative consumption volume exceedes bill limit in the current bill cycle Family, the bill limit of credit card are less than the amount of credit card.
- 5. according to the method described in claim 2,3 or 4, it is characterised in that select one conduct in turn from credit card Target account, including：Ordering according to credit card selectes one as target account in turn；Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target account Family；Or one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account.
- A kind of 6. payment devices, it is characterised in that including：Account of withholing chosen module, for when receiving triggering payment enabled instruction, selecting one work in turn from candidate's account For target account；The payment interface for paying enabled instruction and being used to activate payment platform, candidate's account are and the branch The account for being used to pay of platform binding is paid, candidate's account includes at least one credit card；Output module, for exporting the payment interface paid by the target account.
- 7. equipment according to claim 6, it is characterised in thatCandidate's account includes more than one credit card, and the account chosen module of withholing is selected including credit card Submodule；The credit card selectes submodule, makees for selecting one in turn from the credit card in candidate's account For target account.
- 8. equipment according to claim 6, it is characterised in thatCandidate's account includes more than one credit card, and the account chosen module of withholing is chosen including credit card Submodule；The credit card chooses submodule, for from candidate's account target component be less than the credit card of predetermined threshold value One is selected in account in turn as target account；Wherein, the target component is accumulative access times, cumulative consumption volume or the aggregate value method of weighting score value in target time section.
- 9. equipment according to claim 6, it is characterised in thatCandidate's account includes more than one credit card, and the account chosen module of withholing is screened including credit card Submodule；The credit card screens submodule, for other credits from candidate's account in addition to credit card is suspended One is selected in card account in turn as target account；Wherein, the pause credit card is the credit card account that cumulative consumption volume exceedes bill limit in the current bill cycle Family, the bill limit of credit card are less than the amount of credit card.
- 10. according to the equipment described in claim 7,8 or 9, it is characterised in that the account chosen module of withholing includes controlling in turn System module；The control submodule in turn, one is selected in turn for the ordering according to credit card as target account； Or one is selected in turn according to accumulative access times of the credit card within the current bill cycle as target account；Or Person, one is selected in turn according to cumulative consumption volume of the credit card within the current bill cycle as target account.
- A kind of 11. payment devices, it is characterised in that including：Processor；For storing the memory of processor-executable instruction；Wherein, the processor is configured as：When receiving triggering payment enabled instruction, one is selected in turn from candidate's account as target account；The payment is opened Dynamic instruction is used for the payment interface for activating payment platform, and candidate's account is to be used for what is paid with what the payment platform was bound Account, candidate's account include at least one credit card；Export the payment interface paid by the target account.
- 12. a kind of computer-readable recording medium, is stored thereon with computer instruction, it is characterised in that the instruction is by processor The step of any one of claim 1-5 methods described is realized during execution.
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| CN201710757148.3A CN107563738A (en) | 2017-08-29 | 2017-08-29 | The method and payment devices of selected payment account |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710757148.3A CN107563738A (en) | 2017-08-29 | 2017-08-29 | The method and payment devices of selected payment account |
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| CN110619519A (en) * | 2019-09-18 | 2019-12-27 | 重庆欣业邦网络技术有限公司 | Electronic card management system and method |
| CN112258178A (en) * | 2018-01-23 | 2021-01-22 | 创新先进技术有限公司 | Binding method and trust evaluation method and device of payment card and electronic equipment |
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| CN112258178A (en) * | 2018-01-23 | 2021-01-22 | 创新先进技术有限公司 | Binding method and trust evaluation method and device of payment card and electronic equipment |
| CN112258178B (en) * | 2018-01-23 | 2024-01-26 | 创新先进技术有限公司 | Binding method of payment card, trust evaluation method, device and electronic equipment |
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