CN104992321B - A kind of transfer account method and its system based on special relationship - Google Patents
A kind of transfer account method and its system based on special relationship Download PDFInfo
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- CN104992321B CN104992321B CN201510370414.8A CN201510370414A CN104992321B CN 104992321 B CN104992321 B CN 104992321B CN 201510370414 A CN201510370414 A CN 201510370414A CN 104992321 B CN104992321 B CN 104992321B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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Abstract
A kind of transfer account method and its system based on special relationship, wherein the method includes:Transfer mechanism establishment step:In the step, first movement terminal user sends transfer mechanism to the second mobile terminal by the first movement terminal and establishes request;On the basis of allowing foundation, second mobile terminal will obtain the payment accounts of the first movement terminal and be special account by its number remarks;Transferring step:In the step, the first movement terminal user sends request for information by the first movement terminal to second mobile terminal, and the amount of money is asked for wherein being carried in the request for information;Second mobile terminal receives and will ask for the amount of money according to after the request for information and be transferred to the corresponding amount of money to the payment accounts of the first movement terminal.It can so transfer accounts in time to first movement terminal user, and can ensure the safety of second mobile terminal user's account, be brought convenience to two parties.
Description
Technical field
The present invention relates to information technology fields, more particularly to a kind of transfer account method and its system based on special relationship.
Background technology
As the continuous propulsion of mobile-phone payment business and development, more and more users begin to use mobile phone payment platform example
Such as Alipay come carry out on-line payment, trading business of transferring accounts, mobile-phone payment become a kind of life style of prevalence.
In actual life, also begin to transfer accounts using mobile phone payment platform between many parents and child, especially outside
When the parent of ground work gives the cost of living to the child to study.However, having a drawback in that among these, since parent's work is numerous
It is busy, the matters transferred accounts to child can not be remembered constantly, are often forgotten or are turned late, to cause certain trouble.
Therefore, the special relationship based on payer and recipient, the present inventor satisfy the wound for being engaged in related field for many years with it
Make design and professional manufacturing experience, energetically carrying out research for a kind of transfer account method and its system based on special relationship changes
It is good, the present invention is developed finally under the scrupulous consideration of each side's condition.
Invention content
For the above situation, the shortcomings that in order to overcome the prior art, an embodiment of the present invention provides one kind being based on special pass
The transfer account method and its system of system can effectively solve the problems, such as to mention in above-mentioned background technology.
The embodiment of the present invention adopts the following technical scheme that:
A kind of transfer account method based on special relationship, including:
Transfer mechanism establishment step:In the step, first movement terminal user is by the first movement terminal to second
Mobile terminal sends transfer mechanism and establishes request;On the basis of allowing foundation, second mobile terminal will be described in acquisition
The payment accounts of first movement terminal and by its number remarks be special account;
Transferring step:In the step, the first movement terminal user is by the first movement terminal to described second
Mobile terminal sends request for information, and the amount of money is asked for wherein being carried in the request for information;Second mobile terminal receives
The amount of money, which will be asked for, after the request for information according to is transferred to the corresponding amount of money to the payment accounts of the first movement terminal;Institute
The second mobile terminal is stated to ask for according to before the amount of money is transferred to the corresponding amount of money to the payment accounts of the first movement terminal,
The method further includes:
The amount of money is asked for described in second acquisition for mobile terminal and judges whether it is less than or equal to preset cost, if being less than
Or equal to then continuing to execute step;Wherein preset cost is configured and is changed by second mobile terminal user.
As an implementation, second mobile terminal asks for the amount of money to the first movement terminal according to
Payment accounts are transferred to before the corresponding amount of money, and the method further includes:
The second acquisition for mobile terminal current date simultaneously judges whether identical as the default date, if the same continues to hold
Row step;The wherein default date is configured and is changed by second mobile terminal user.
As an implementation, when judge it is described ask for the amount of money higher than the preset cost when, then will determine that described
Urgent mark whether is carried in request for information, if carrying, is continued to execute step, otherwise will be terminated.
A kind of fund transfer system based on special relationship, including first movement terminal and the second mobile terminal, described first moves
Dynamic terminal includes:
Request sending module is established, is moved to second by the request sending module of establishing for first movement terminal user
Dynamic terminal sends transfer mechanism and establishes request;
Request for information sending module, for the first movement terminal user by the request for information sending module to institute
It states the second mobile terminal and sends request for information, the amount of money is asked for wherein being carried in the request for information;
Wherein described second mobile terminal includes:
Account acquisition module, for being based on the basis of allowing foundation, the account acquisition module will obtain described first
The payment accounts of mobile terminal and by its number remarks be special account;
The amount of money is transferred to module, and gold will be asked for according to described after receiving the request for information for second mobile terminal
Volume is transferred to module by the amount of money and is transferred to the corresponding amount of money to the payment accounts of the first movement terminal;Second movement
Terminal further includes:
Amount of money judgment module, for asking for the amount of money described in second acquisition for mobile terminal and judging whether it is less than or waits
In preset cost, wherein preset cost is configured and is changed by second mobile terminal user.
As an implementation, second mobile terminal further includes:
Date judgment module for the second acquisition for mobile terminal current date and judges whether and default date phase
Together, wherein the default date is configured and is changed by second mobile terminal user.
As an implementation, second mobile terminal further includes:
Urgent mark judgment module, for when judge it is described ask for the amount of money higher than the preset cost when, then will determine that
Whether urgent mark is carried in the request for information.
The advantageous effect that technical solution provided in an embodiment of the present invention is brought is:Technical solution using the present invention, passes through
The execution of transfer mechanism is established, the second mobile terminal will obtain the payment accounts of first movement terminal and be special by its number remarks
Account can then pass through the first movement when first movement terminal user needs to ask for the amount of money to the second mobile terminal user
Terminal sends request for information to second mobile terminal, and the amount of money is asked for wherein being carried in the request for information, and described second
Mobile terminal will ask for the amount of money to the payment accounts of the first movement terminal turn after receiving the request for information according to
Enter the corresponding amount of money, can so transfer accounts in time to first movement terminal user, and can ensure second mobile terminal user's account
The safety at family, brings convenience to two parties.In addition to this, the second mobile terminal user can also be arranged the default date, preset
Amount of money threshold value come control transfer accounts matters implementation reasonability, avoid repeatedly transferring accounts and the excessive amount of money transferred accounts.
Description of the drawings
In order to which the above-mentioned and other purposes of the present invention, feature, advantage can be clearer and more comprehensible, embodiment will hereafter be described
Needed in attached drawing make one simply introduce, it should be apparent that, the accompanying drawings in the following description be only the present invention one
A little embodiments, for those of ordinary skill in the art, do not pay create it is laborious under the premise of, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of application connection diagram for transfer account method based on special relationship that the embodiment of the present invention one provides;
Fig. 2 is a kind of application connection diagram of the transfer account method based on special relationship provided by Embodiment 2 of the present invention;
Fig. 3 is a kind of application connection diagram for transfer account method based on special relationship that the embodiment of the present invention three provides;
Fig. 4 is a kind of fund transfer system structural schematic diagram based on special relationship that the embodiment of the present invention four provides.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
His embodiment, belongs to protection scope of the present invention.
Embodiment one
Referring to FIG. 1, the application that Fig. 1 is a kind of transfer account method based on special relationship that the embodiment of the present invention one provides connects
Connect schematic diagram.Specifically, the present embodiment provides a kind of transfer account method based on special relationship, include the following steps:
Transfer mechanism establishment step:In the step, first movement terminal user is by the first movement terminal to second
Mobile terminal sends transfer mechanism and establishes request;On the basis of allowing foundation, second mobile terminal will be described in acquisition
The payment accounts of first movement terminal and by its number remarks be special account;
Transferring step:In the step, the first movement terminal user is by the first movement terminal to described second
Mobile terminal sends request for information, and the amount of money is asked for wherein being carried in the request for information;Second mobile terminal receives
The amount of money, which will be asked for, after the request for information according to is transferred to the corresponding amount of money to the payment accounts of the first movement terminal.
Wherein, it when executing the transferring step, first has to complete the transfer mechanism establishment step.
Wherein, the first movement terminal user is sent to second mobile terminal by the first movement terminal and is turned
When account Mechanism establishing is asked, the payment accounts of the first movement terminal will be carried in request.Second mobile terminal is receiving
To the transfer mechanism foundation request when, user can by second mobile terminal execute refusal establish operation with
And allow the operation established.
In the transferring step, for example, setting first movement terminal user needs the second mobile terminal to transfer accounts 500 to it
Member, then can be by opening corresponding payment software in first movement terminal, and the amount of money 500 is asked in input on preset interface
Member, after input, the first movement terminal entrains into above-mentioned 500 yuan of the amount of money of asking in request for information and by the request for information
It is sent on second mobile terminal.
After second mobile terminal receives the request for information, 500 yuan of the amount of money is asked for by what is carried in reading information, is read
After taking, second mobile terminal will determine that the first movement terminal account whether be remarks be special account, if
Then 500 yuan are transferred to the payment accounts of the first movement terminal.
Wherein, whether the success of the amount of money, which is transferred to also to be based on having to be greater than or equal in the second mobile terminal account, asks for gold
The residual amount of volume.
Embodiment two
Referring to FIG. 2, the application that Fig. 2 is a kind of transfer account method based on special relationship provided by Embodiment 2 of the present invention connects
Connect schematic diagram.Specifically, the present embodiment and embodiment one are substantially consistent, difference place is, in the present embodiment, described second
Mobile terminal is asked for according to before the amount of money is transferred to the corresponding amount of money to the payment accounts of the first movement terminal, the side
Method further includes:
The second acquisition for mobile terminal current date simultaneously judges whether identical as the default date, if the same continues to hold
Row step;The wherein default date is configured and is changed by second mobile terminal user.
Wherein, the second mobile terminal user can confer with first movement terminal user and transfer accounts the date automatically, such as one month
Fixation some day or a few days, i.e., at other times in can not execute and transfer accounts automatically.
For example, it is No. 30 that the date is preset in setting, then after second mobile terminal receives the request for information, will obtain
Current date simultaneously judges whether it is No. 30, no if being then transferred to the corresponding amount of money to the payment accounts of the first movement terminal
Action of transferring accounts will not then be executed.
Embodiment three
Referring to FIG. 3, the application that Fig. 3 is a kind of transfer account method based on special relationship that the embodiment of the present invention three provides connects
Connect schematic diagram.Specifically, the present embodiment and embodiment one are substantially consistent, difference place is, in the present embodiment, described second
Mobile terminal is asked for according to before the amount of money is transferred to the corresponding amount of money to the payment accounts of the first movement terminal, the side
Method further includes:
The amount of money is asked for described in second acquisition for mobile terminal and judges whether it is less than or equal to preset cost, if being less than
Or equal to then continuing to execute step;Wherein preset cost is configured and is changed by second mobile terminal user.
For example, setting preset cost is 1000 yuan, then after second mobile terminal receives the request for information, will obtain
The amount of money is asked for described in taking and judges whether to be less than or equal to 1000 yuan, if then turning to the payment accounts of the first movement terminal
Enter the corresponding amount of money.
As one embodiment of the present invention, in the present embodiment, the method further includes:
When judge it is described ask for the amount of money higher than the preset cost when, then will determine that in the request for information whether carry
There is urgent mark, if carrying, continues to execute step, otherwise will terminate.
Wherein, when first movement terminal has emergency events to need to ask for the numerical value higher than preset cost to the second mobile terminal
When, it can be by opening corresponding payment software in first movement terminal, and urgent mark, input are inputted on preset interface
After, the first movement terminal entrains into the urgent mark in request for information.
For example, when second mobile terminal judge it is described ask for the amount of money higher than 1000 yuan when, then will read the rope
It wants information and judges whether it carries the urgent mark, be transferred to pair to the payment accounts of the first movement terminal if having
Otherwise the amount of money answered will not execute action of transferring accounts.
If the function described in the present embodiment method is realized in the form of SFU software functional unit and as independent product pin
It sells or in use, can be stored in a computing device read/write memory medium.Based on this understanding, the embodiment of the present invention
The part of the part that contributes to existing technology or the technical solution can be expressed in the form of software products, this is soft
Part product is stored in a storage medium, including some instructions are used so that a computing device(Can be personal computer,
Server, mobile computing device or network equipment etc.)Execute all or part of step of each embodiment the method for the present invention
Suddenly.And storage medium above-mentioned includes:U disks, mobile hard disk, read-only memory(ROM, Read-Only Memory), at random deposit
Access to memory(RAM, Random Access Memory), the various media that can store program code such as magnetic disc or CD.
Example IV
Referring to FIG. 4, Fig. 4 is a kind of fund transfer system structural representation based on special relationship that the embodiment of the present invention four provides
Figure.A kind of fund transfer system 400 based on special relationship is present embodiments provided, including first movement terminal 401 and second moves
Terminal 402, wherein the first movement terminal 401 includes:
Request sending module 403 is established, request sending module is established by described for 401 user of first movement terminal
403 send transfer mechanism to the second mobile terminal 402 establishes request;
Request for information sending module 404 sends mould for 401 user of first movement terminal by the request for information
Block 404 sends request for information to second mobile terminal 402, and the amount of money is asked for wherein being carried in the request for information;
Wherein second mobile terminal 402 includes:
Account acquisition module 405, for being based on the basis of allowing foundation, the account acquisition module 405 will obtain institute
It states the payment accounts of first movement terminal 401 and is special account by its number remarks;
The amount of money is transferred to module 406, will be according to described after receiving the request for information for second mobile terminal 402
It asks for the amount of money module 406 is transferred to by the amount of money and be transferred to the corresponding amount of money to the payment accounts of the first movement terminal 401.
As one embodiment of the present invention, in the present embodiment, second mobile terminal 402 further includes:
Date judgment module 407 gets Date for second mobile terminal 402 and judges whether and default day
Phase is identical, wherein the default date is configured and is changed by 402 user of the second mobile terminal.
As one embodiment of the present invention, in the present embodiment, second mobile terminal 402 further includes:
Amount of money judgment module 408 obtains for second mobile terminal 402 and described ask for the amount of money and judge whether it is low
In or be equal to preset cost, wherein preset cost is configured and changed by 402 user of the second mobile terminal.
As one embodiment of the present invention, in the present embodiment, second mobile terminal 402 further includes:
Urgent mark judgment module 409, for when judge it is described ask for the amount of money higher than the preset cost when, then will sentence
Urgent mark whether is carried in the disconnected request for information.
It should be understood that the specific implementation process in example IV can be corresponding with the description of above method embodiment, herein
It is not described in detail.
The system that above-described embodiment four is provided only the example of the division of the above functional modules actually is answered
In, it will can appeal function distribution as needed and be completed by different function modules, i.e., by first movement in the system
Terminal is divided into different function modules from the internal structure of the second mobile terminal, described above all or part of to complete
Function.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Following advantages can be achieved in the present invention:
By the present invention, by establishing the execution of transfer mechanism, the second mobile terminal will obtain the branch of first movement terminal
The number of paying a bill and by its number remarks be special account, when first movement terminal user needs to ask for the amount of money to the second mobile terminal user
When, then request for information can be sent to second mobile terminal by the first movement terminal, wherein in the request for information
It carries and asks for the amount of money, second mobile terminal will be according to the amount of money of asking for described after receiving the request for information
The payment accounts of one mobile terminal are transferred to the corresponding amount of money, can so transfer accounts in time to first movement terminal user, and can
The safety for ensureing second mobile terminal user's account, brings convenience to two parties.In addition to this, the second mobile terminal user
The default date can be also set, preset cost threshold value controls the reasonability for matters implementation of transferring accounts, avoid repeatedly transferring accounts and mistake
The big amount of money is transferred accounts.
Claims (6)
1. a kind of transfer account method based on special relationship, which is characterized in that including:
Transfer mechanism establishment step:In the step, first movement terminal user is moved by the first movement terminal to second
Terminal sends transfer mechanism and establishes request;On the basis of allowing foundation, second mobile terminal will obtain described first
The payment accounts of mobile terminal and by its number remarks be special account;
Transferring step:In the step, the first movement terminal user is moved by the first movement terminal to described second
Terminal sends request for information, and the amount of money is asked for wherein being carried in the request for information;Second mobile terminal receives described
The amount of money, which will be asked for, after request for information according to is transferred to the corresponding amount of money to the payment accounts of the first movement terminal;Described
Two mobile terminals are asked for according to before the amount of money is transferred to the corresponding amount of money to the payment accounts of the first movement terminal, described
Method further includes:
The amount of money is asked for described in second acquisition for mobile terminal and judges whether it is less than or equal to preset cost, if being less than or waiting
In then continuing to execute step;Wherein preset cost is configured and is changed by second mobile terminal user.
2. a kind of transfer account method based on special relationship as described in claim 1, which is characterized in that second mobile terminal
It is asked for before the amount of money is transferred to the corresponding amount of money to the payment accounts of the first movement terminal according to described, the method is also wrapped
It includes:
The second acquisition for mobile terminal current date simultaneously judges whether identical as the default date, if the same continues to execute step
Suddenly;The wherein default date is configured and is changed by second mobile terminal user.
3. a kind of transfer account method based on special relationship as described in claim 1, which is characterized in that when judging described ask for
It when the amount of money is higher than the preset cost, then will determine that whether carry urgent mark in the request for information, if carrying, continue
Step is executed, otherwise will be terminated.
4. a kind of fund transfer system based on special relationship, including first movement terminal and the second mobile terminal, which is characterized in that institute
Stating first movement terminal includes:
Request sending module is established, is moved eventually to second by the request sending module of establishing for first movement terminal user
End sends transfer mechanism and establishes request;
Request for information sending module, for the first movement terminal user by the request for information sending module to described the
Two mobile terminals send request for information, and the amount of money is asked for wherein being carried in the request for information;
Wherein described second mobile terminal includes:
Account acquisition module, for being based on the basis of allowing foundation, the account acquisition module will obtain the first movement
The payment accounts of terminal and by its number remarks be special account;
The amount of money is transferred to module, will be led to according to the amount of money of asking for after receiving the request for information for second mobile terminal
It crosses the amount of money and is transferred to module and be transferred to the corresponding amount of money to the payment accounts of the first movement terminal;Second mobile terminal
Further include:
Amount of money judgment module, for asking for the amount of money described in second acquisition for mobile terminal and judging it whether less than or equal to pre-
If the amount of money, wherein preset cost is configured and is changed by second mobile terminal user.
5. a kind of fund transfer system based on special relationship as claimed in claim 4, which is characterized in that second mobile terminal
Further include:
Date judgment module, for the second acquisition for mobile terminal current date and judge whether it is identical as the default date,
In preset the date be configured and changed by second mobile terminal user.
6. a kind of fund transfer system based on special relationship as claimed in claim 4, which is characterized in that second mobile terminal
Further include:
Urgent mark judgment module, for when judge it is described ask for the amount of money higher than the preset cost when, then will determine that described
Whether urgent mark is carried in request for information.
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CN106815723A (en) * | 2017-02-10 | 2017-06-09 | 深圳前海微众银行股份有限公司 | Transfer account method and device |
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CN101080737A (en) * | 2004-07-19 | 2007-11-28 | 亚马逊科技公司 | Automatic authorization of programmatic transactions |
CN101884051A (en) * | 2007-11-29 | 2010-11-10 | 美国银行公司 | Sub-account mechanism |
CN204215492U (en) * | 2014-11-28 | 2015-03-18 | 张文 | One is pre-recorded into account bank card and Data Enter device thereof |
CN104616141A (en) * | 2014-11-27 | 2015-05-13 | 深圳市腾讯计算机系统有限公司 | Information processing method and payment platform |
Family Cites Families (1)
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KR20140094801A (en) * | 2013-01-23 | 2014-07-31 | 주식회사 케이티 | Mobile terminal with an instant messenger and Method of trading mileage using the same mobile terminal |
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Patent Citations (4)
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CN101080737A (en) * | 2004-07-19 | 2007-11-28 | 亚马逊科技公司 | Automatic authorization of programmatic transactions |
CN101884051A (en) * | 2007-11-29 | 2010-11-10 | 美国银行公司 | Sub-account mechanism |
CN104616141A (en) * | 2014-11-27 | 2015-05-13 | 深圳市腾讯计算机系统有限公司 | Information processing method and payment platform |
CN204215492U (en) * | 2014-11-28 | 2015-03-18 | 张文 | One is pre-recorded into account bank card and Data Enter device thereof |
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Effective date of registration: 20180725 Address after: 361005 Fujian Xiamen software park two phase 44, 301 F unit. Applicant after: Xiamen Yun Ding Weiye information technology Co., Ltd. Address before: 215400 B building, No. 88 Beijing East Road, Taicang Development Zone, Suzhou, Jiangsu. Applicant before: SUZHOU YINCHU INFORMATION TECHNOLOGY CO., LTD. |
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