CN105405041A - Information processing method and terminal - Google Patents
Information processing method and terminal Download PDFInfo
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- CN105405041A CN105405041A CN201510724742.3A CN201510724742A CN105405041A CN 105405041 A CN105405041 A CN 105405041A CN 201510724742 A CN201510724742 A CN 201510724742A CN 105405041 A CN105405041 A CN 105405041A
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
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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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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Abstract
The invention discloses an information processing method and a terminal. The method comprises the following steps: a first terminal initiates a first request to a second terminal so as to request a second terminal user to authorize or accept a business application that a first terminal user is allowed to a vertical business of the second terminal user, and pre-payment information related to the business application and service life information of the virtual business are carried in the first request; the first terminal receives a first request response fed back by the second terminal, and, according to the first request response, the second terminal authorizes or accepts the virtual business application and performs vouching confirmation on the service life in a rental manner; and the first terminal transfers full or part of the pre-payment information to an account, where the second terminal user locates, according to actual payment information, and authorizes or accepts the fact that use right and interest of the passed virtual business are recovered by the second terminal.
Description
Technical field
The present invention relates to mechanics of communication, particularly relate to a kind of information processing method and terminal.
Background technology
Present inventor, in the process realizing the embodiment of the present application technical scheme, at least finds to there is following technical matters in correlation technique:
Along with the rise and development of intelligent terminal, realize becoming trend of the times by Internet technology by the increasing service for life of intelligent terminal support, user only needs a portable intelligent terminal, the terminal that certain tradition is not portable, as desktop computer, all-in-one goes for this trend too.Such as, a kind of application scenarios is: user pays water, electricity, gas charge has not needed sales counter to handle, and the application only needing terminal to install just can be realized by payment platform.But, for the application scenarios of Lease way, also there is not corresponding Internet technology solution at present.
Summary of the invention
In view of this, the embodiment of the present invention is desirable to provide a kind of information processing method and terminal, solve at least the problem of prior art, Internet technology can be utilized realize lease, more quick and convenient, more convenient life for user provides, and not by region and territorial restrictions, accepts a transacting business without the need to user at the entities business of locality.
The technical scheme of the embodiment of the present invention is achieved in that
A kind of information processing method of the embodiment of the present invention, described method comprises:
First terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, in described first request, carry the pre-paid information relevant to described business application and the term of life information of virtual service;
First terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life;
First terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
In such scheme, described first terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, comprising:
The usufructuary applicant of virtual account logging in first terminal initiates described first request to the owner of the virtual account of login second terminal, asks the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and uses virtual account business;
Accordingly, the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business is carried in described first request.
In such scheme, the usufructuary applicant of virtual account of described login first terminal initiates described first request to the owner of the virtual account of login second terminal, comprising:
Inquire the owner of one or more virtual account, and be defined as destination object;
What at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for;
Respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In such scheme, described first terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, comprising:
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In such scheme, the usufructuary applicant of virtual account of described login first terminal initiates described first request to the owner of the virtual account of login second terminal, comprising:
Log in the first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In such scheme, described first terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, comprising:
Between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality;
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In such scheme, described first terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, the use rights and interests of authorizing or accept the described virtual service passed through are reclaimed by described second terminal, comprising:
Reach according to the term of life that described authorization code parses described lease term of life information corresponding, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
A kind of terminal of the embodiment of the present invention, described terminal comprises:
Request unit, for initiating the first request to the second terminal, to ask described second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service; The pre-paid information relevant to described business application and the term of life information of virtual service is carried in described first request;
Receiving element, for receiving the first request response of the second terminal feedback, the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life;
Detecting unit, detect that corresponding term of life reaches for first terminal, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
In such scheme, described request unit, be further used for: the usufructuary applicant of virtual account logging in first terminal initiates described first request to the owner of the virtual account of login second terminal, asks the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and uses virtual account business;
Accordingly, the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business is carried in described first request.
In such scheme, described request unit, is further used for:
Inquire the owner of one or more virtual account, and be defined as destination object;
What at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for;
Respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In such scheme, described receiving element, be further used for: if the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In such scheme, described request unit, is further used for:
Log in the first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In such scheme, described receiving element, be further used for: between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality;
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In such scheme, described detecting unit, is further used for:
Reach according to the term of life that described authorization code parses described lease term of life information corresponding, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
The information processing method of the embodiment of the present invention, comprise: first terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, in described first request, carry the pre-paid information relevant to described business application and the term of life information of virtual service; First terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life; First terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
Adopt the embodiment of the present invention, owing to being first of term of life information by carrying the pre-paid information relevant to described business application and virtual service ask to file an application, confirmed by the first request response, so that for described second terminal user authorization or accept virtual service application and with lease form confirmation is of use to term of life, this by utilizing Internet technology to realize the mechanism of lease, more quick and convenient, more convenient life for user provides, and not by region and territorial restrictions, a transacting business is accepted at the entities business of locality without the need to user.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of each side's hardware entities of carrying out information interaction in the embodiment of the present invention;
Fig. 2 is a realization flow schematic diagram of the embodiment of the present invention one;
Fig. 3 is a realization flow schematic diagram of the embodiment of the present invention two;
Fig. 4 is a composition structural representation of the embodiment of the present invention six;
Fig. 5 is a hardware composition structural representation of the embodiment of the present invention seven;
Fig. 6 is the schematic diagram of the application embodiment of the present invention one application scenarios.
Embodiment
Be described in further detail below in conjunction with the enforcement of accompanying drawing to technical scheme.
Fig. 1 is the schematic diagram of each side's hardware entities of carrying out information interaction in the embodiment of the present invention, Fig. 1 comprises: server 11, terminal device 21-24, terminal device 21-24 carries out information interaction by cable network or wireless network and server, and terminal device comprises the types such as mobile phone, desktop computer, PC, all-in-one.Adopt the embodiment of the present invention, based on the system shown in above-mentioned Fig. 1, first terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, in described first request, carry the pre-paid information relevant to described business application and the term of life information of virtual service; First terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life; First terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.First terminal user and the second terminal user can carry out data relay by server, also can directly carry out mutual.There is various problem in the Lease way due to off-line, such as must user to sales counter transacting business, especially concerning virtual service, in fact be exactly carry out alternately between user, there is no concrete sales counter, have concrete admissibility staff to accept at sales counter yet, very inconvenient.Adopt the embodiment of the present invention this by utilizing Internet technology to realize the mechanism of lease, more quick and convenient, more convenient the life for user provides, and not by region and territorial restrictions, accepts a transacting business without the need to user at the entities business of locality.
The example of above-mentioned Fig. 1 just realizes a system architecture example of the embodiment of the present invention, and the embodiment of the present invention is not limited to the system architecture described in above-mentioned Fig. 1, based on this system architecture, proposes each embodiment of the present invention.
Embodiment one:
A kind of information processing method of the embodiment of the present invention, as shown in Figure 2, described method comprises:
Step 101, first terminal initiate the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, in described first request, carry the pre-paid information relevant to described business application and the term of life information of virtual service.
Here, for example, first terminal user can be applicant A, under the scene of charter business, be specially the applicant of charter business, the second terminal user can be charter business owner, described pre-paid information can be payment in advance, virtual service can be virtual account business, and for virtual service, an example of the second terminal user can be: the second terminal user is virtual account owner; Another example of second terminal user is: for entities business, and the second terminal user is the person of accepting at service handling place, as accepted the service handling person of business at business sales counter.
Step 102, first terminal receive the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life.
Here, the scene of charter business is the one that the form of online payment realizes daily life service class example, does not limit this embody rule scene.For the scene of charter business, for virtual service, want to have the virtual service (such as virtual account) of the second terminal user or the first terminal user with the shared virtual service (such as virtual account) of the second terminal user, apply for the second terminal user the right to use that there is certain term of validity with the form of lease, the second terminal user having virtual service (such as virtual account) receives the rear examination & verification of application and passes through, first terminal user can be authorized to use this virtual service (such as virtual account) before the deadline, the term of validity by time freeze the right to use of first terminal user, first terminal user needs the right to use of acquisition second terminal user virtual service (such as virtual account), need to pay, this paying is that the rental basis possessing certain term of validity realizes.
Step 103, first terminal detect that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
Embodiment two:
A kind of information processing method of the embodiment of the present invention, as shown in Figure 3, described method comprises:
Step 201, the usufructuary applicant of virtual account logging in first terminal initiate the first request to the owner of the virtual account of login second terminal, ask the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and use virtual account business, in described first request, carry the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business.
Here, for example, first terminal user can be applicant A, under the scene of charter business, be specially the applicant of charter business, second terminal user can be charter business owner, and for virtual service, an example can be: the second terminal user is the virtual account owner in this step; Another example is: for entities business, and the second terminal user is the person of accepting at service handling place, as accepted the service handling person of business at business sales counter.
The first request response that the owner that step 202, the usufructuary applicant of virtual account logging in first terminal receive the virtual account of login second terminal feeds back, the first request response is that the owner of described virtual account authorizes or accepts virtual service application and be of use confirmation with the form of lease to term of life.
Here, the scene of charter business is the one that the form of online payment realizes daily life service class example, does not limit this embody rule scene.For the scene of charter business, for virtual service, want to have the virtual service (such as virtual account) of the second terminal user or the first terminal user with the shared virtual service (such as virtual account) of the second terminal user, apply for the second terminal user the right to use that there is certain term of validity with the form of lease, the second terminal user having virtual service (such as virtual account) receives the rear examination & verification of application and passes through, first terminal user can be authorized to use this virtual service (such as virtual account) before the deadline, the term of validity by time freeze the right to use of first terminal user, first terminal user needs the right to use of acquisition second terminal user virtual service (such as virtual account), need to pay, this paying is that the rental basis possessing certain term of validity realizes.
Step 203, first terminal detect that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, log in the usufructuary applicant of virtual account of first terminal according to all or part of account that proceed to the owner place of the virtual account of login second terminal of described actual delivery information by described pre-paid information, to authorize or owner that the use rights and interests that accept the described virtual service passed through are logged the virtual account of the second terminal reclaims.
Embodiment three:
Based on above-described embodiment two, a kind of scene is: user enters and charters the page and see information of lease, and send lease application, micro-letter or QQ wallet can be adopted to carry out pre-paid, and this scene is the transaction to determining price, without the need to holding consultation between multiple user.For virtual service (such as virtual account), the usufructuary applicant of described virtual account initiates described first request to the owner of virtual account, specifically comprises:
Step 301, inquire the owner of one or more virtual account, and be defined as destination object;
What step 302, at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for;
Step 303, respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation.
Here, described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
Certainly be not limited to the lease of above-mentioned virtual service, can also be the lease of entities business, do not repeat here.
In the embodiment of the present invention one embodiment, for virtual service (such as virtual account), described receive first request response, first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, specifically comprises:
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
Certainly be not limited to the lease of above-mentioned virtual service, can also be the lease of entities business, do not repeat here.
Embodiment four:
Based on above-described embodiment two, a kind of scene is: user enters the information of lease chartered the page and see, and sending lease application, micro-letter or QQ wallet can be adopted to carry out pre-paid, and this scene is held consultation between multiple user to the transaction of uncertain price.For virtual service (such as virtual account), the usufructuary applicant of described virtual account initiates described first request to the owner of virtual account, specifically comprises:
Step 401, login first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Step 402, described pre-paid information possess freezes the term of validity, described in freeze the term of validity and lease term of life information match.
Certainly be not limited to the lease of above-mentioned virtual service, can also be the lease of entities business, do not repeat here.
In the embodiment of the present invention one embodiment, for virtual service (such as virtual account), described receive first request response, first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, specifically comprises:
Between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality;
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
Embodiment five:
Based on above-described embodiment and embodiment, the information processing method of the embodiment of the present invention also comprises: reach according to the term of life that described authorization code parses described lease term of life information corresponding, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
Embodiment six:
A kind of terminal of the embodiment of the present invention, as shown in Figure 4, described terminal comprises:
Request unit 11, for initiating the first request to the second terminal, to ask described second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service; The pre-paid information relevant to described business application and the term of life information of virtual service is carried in described first request;
Receiving element 12, for receiving the first request response of the second terminal feedback, the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life.
Detecting unit 13, detect that corresponding term of life reaches for first terminal, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
Here, for example, first terminal user can be applicant A, under the scene of charter business, be specially the applicant of charter business, the second terminal user can be charter business owner, described pre-paid information can be payment in advance, virtual service can be virtual account business, and for virtual service, an example of the second terminal user can be: the second terminal user is virtual account owner; Another example of second terminal user is: for entities business, and the second terminal user is the person of accepting at service handling place, as accepted the service handling person of business at business sales counter.
Here, the scene of charter business is the one that the form of online payment realizes daily life service class example, does not limit this embody rule scene.For the scene of charter business, for virtual service, want to have the virtual service (such as virtual account) of the second terminal user or the first terminal user with the shared virtual service (such as virtual account) of the second terminal user, apply for the second terminal user the right to use that there is certain term of validity with the form of lease, the second terminal user having virtual service (such as virtual account) receives the rear examination & verification of application and passes through, first terminal user can be authorized to use this virtual service (such as virtual account) before the deadline, the term of validity by time freeze the right to use of first terminal user, first terminal user needs the right to use of acquisition second terminal user virtual service (such as virtual account), need to pay, this paying is that the rental basis possessing certain term of validity realizes.
In the embodiment of the present invention one embodiment, described request unit, be further used for: the usufructuary applicant of virtual account logging in first terminal initiates described first request to the owner of the virtual account of login second terminal, asks the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and uses virtual account business; Accordingly, the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business is carried in described first request.
In the embodiment of the present invention one embodiment, described request unit, is further used for: the owner inquiring one or more virtual account, and is defined as destination object; What at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for; Respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation.Wherein, described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In the embodiment of the present invention one embodiment, described receiving element, be further used for: if the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In the embodiment of the present invention one embodiment, described request unit, be further used for: log in the first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation.Wherein, described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
In the embodiment of the present invention one embodiment, described receiving element, be further used for: between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality; If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
In the embodiment of the present invention one embodiment, described detecting unit, the term of life being further used for parsing described lease term of life information corresponding according to described authorization code reaches, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
Here it is pointed out that above-mentioned client can for this electronic equipment of PC, can also be as PAD, panel computer, this mancarried electronic aid of laptop computer, can also be intelligent mobile terminal as this in mobile phone, is not limited to description here; Described server can be consisted of group system, the electronic equipment of one or each Elementary Function split setting is merged into for realizing each Elementary Function, client and server all at least comprises the database for storing data and the processor for data processing, or comprises the storage medium be arranged in server or the storage medium independently arranged.
Wherein, for the processor for data processing, when performing process, microprocessor, central processing unit (CPU can be adopted, CentralProcessingUnit), digital signal processor (DSP, DigitalSingnalProcessor) or programmable logic array (FPGA, Field-ProgrammableGateArray) realize; For storage medium, comprise operational order, this operational order can be computer-executable code, realizes each step in the invention described above embodiment information processing method flow process, as shown in embodiment seven by described operational order.
Embodiment seven:
This client and this server as hardware entities S11 an example as shown in Figure 5.Described device comprises processor 31, storage medium 32 and at least one external communication interface 33; Described processor 31, storage medium 32 and external communication interface 33 are all connected by bus 34.
Here it is to be noted: the description relating to terminal and server entry above, it is similar for describing with said method, and the beneficial effect with method describes, and does not repeat.For the ins and outs do not disclosed in terminal of the present invention and server example, please refer to the description of the inventive method embodiment.
For a real world applications scene, the embodiment of the present invention is described below:
This application scene is one and pays by micro-letter the technical scheme realizing lease, can send payment in advance to buy the mandate of application by micro-letter red packet mode.Specifically, in prior art, the service for life provided for user comprises: the mortgage in traditional economy pattern and rental basis service.Along with the development of the Internet technology of coming in, can serve easily for user provides various, during but the service of this type is served under also resting on existing line, such as, by swiping the card or cash settlement, very inconvenient, user must conclude the business at the scene, not bad in locality, if could business be processed in strange land, then deal with more inconvenient, after particularly internet rises, process is needed than the more substantial virtual service of entities business, if also adopt prior art, cannot be resolved, for these problems, for the lease scene of this virtual service, payment in advance can be adopted on line to be of use the pattern of virtual account rights of using, such as, an example processes payment in advance by micro-letter payment, that is: the temporary Authorization by utilizing micro-letter red packet mode to send payment in advance purchase virtual application.This process setting up mandate is exactly a kind of mode that the lease mechanism of non-internet is realized by the means of internet.
As shown in Figure 6, application user A initiates account request for utilization to account owner B, can by the mode of micro-letter red packet, pay certain payment in advance (containing term of life information), this process is also equivalent to the key (key) of account mandate simultaneously, after being used to complete, payment in advance is lifted a ban, according to needing settlement amounts, part enters account owner account, and account rights of using are retracted.Wherein, the term of life recorded in the payment in advance sent, be the valid period of account mandate key, in the key term of validity, temporary Authorization function can be realized, can by feedback validation code to user, or retain identifying code in second terminal user this locality, or all retain the form of identifying code to confirm the validity the phase first terminal user and the second terminal user, the term of life of virtual account can be consistent with valid period, such as, second terminal user accepts first terminal user effort 200 pieces and uses certain virtual 2 week of account, after 2 week, freeze the right to use of user, by freeze 200 pieces directly or transferred to the account of the second terminal user by payment platform (concrete form is server), second terminal user's arbitrage success.Key due to temporary Authorization has the amount of money of substantial upfront money to assure, therefore, agreement authorizes stability is high.Wherein, described key can be called authorization code, then this application scene adopts the embodiment of the present invention, by the mechanism of internet, applications micro-letter red packet technology and authorization code, the lease of non-internet mechanism is realized by the means of internet, achieves the lease implementation of pattern on line.
The concrete treatment scheme of scene comprises following content as shown in Figure 6:
One, apply for that user A initiates account request for utilization to account owner B;
Two, account request for utilization is initiated by the mode application user A of micro-letter red packet to account owner B;
Three, in the process set up in application, payment in advance comprises (term of life information) sets up an interim account mandate key, within the time limit of payment in advance as guaranty fund, authorizes key can be applied user A and uses;
Four, by authorizing key, be the account of B belonging to A is licensed;
Five, thaw payment in advance, settles accounts;
Six, payment in advance is lifted a ban, and according to needing settlement amounts, part enters account owner account, and account rights of using are retracted.
In several embodiments that the application provides, should be understood that disclosed equipment and method can realize by another way.Apparatus embodiments described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, and as: multiple unit or assembly can be in conjunction with, maybe can be integrated into another system, or some features can be ignored, or do not perform.In addition, the coupling each other of shown or discussed each ingredient or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of equipment or unit or communication connection can be electrical, machinery or other form.
The above-mentioned unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, also can be distributed in multiple network element; Part or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in various embodiments of the present invention can all be integrated in a processing unit, also can be each unit individually as a unit, also can two or more unit in a unit integrated; Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.
One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can have been come by the hardware that programmed instruction is relevant, aforesaid program can be stored in a computer read/write memory medium, this program, when performing, performs the step comprising said method embodiment; And aforesaid storage medium comprises: movable storage device, ROM (read-only memory) (ROM, Read-OnlyMemory), random access memory (RAM, RandomAccessMemory), magnetic disc or CD etc. various can be program code stored medium.
Or, if the above-mentioned integrated unit of the present invention using the form of software function module realize and as independently production marketing or use time, also can be stored in a computer read/write memory medium.Based on such understanding, the technical scheme of the embodiment of the present invention can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in a storage medium, comprises some instructions and performs all or part of of method described in each embodiment of the present invention in order to make a computer equipment (can be personal computer, server or the network equipment etc.).And aforesaid storage medium comprises: movable storage device, ROM, RAM, magnetic disc or CD etc. various can be program code stored medium.
The above; be only the specific embodiment of the present invention, but protection scope of the present invention is not limited thereto, is anyly familiar with those skilled in the art in the technical scope that the present invention discloses; change can be expected easily or replace, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of described claim.
Claims (14)
1. an information processing method, is characterized in that, described method comprises:
First terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, in described first request, carry the pre-paid information relevant to described business application and the term of life information of virtual service;
First terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life;
First terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
2. method according to claim 1, is characterized in that, described first terminal initiates the first request to the second terminal, to ask the second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service, comprising:
The usufructuary applicant of virtual account logging in first terminal initiates described first request to the owner of the virtual account of login second terminal, asks the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and uses virtual account business;
Accordingly, the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business is carried in described first request.
3. method according to claim 2, is characterized in that, the usufructuary applicant of virtual account of described login first terminal initiates described first request to the owner of the virtual account of login second terminal, comprising:
Inquire the owner of one or more virtual account, and be defined as destination object;
What at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for;
Respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
4. method according to claim 3, it is characterized in that, described first terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, comprising:
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
5. method according to claim 2, is characterized in that, the usufructuary applicant of virtual account of described login first terminal initiates described first request to the owner of the virtual account of login second terminal, comprising:
Log in the first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
6. method according to claim 5, it is characterized in that, described first terminal receives the first request response of the second terminal feedback, and the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life, comprising:
Between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality;
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
7. the method according to claim 4 or 6, it is characterized in that, described first terminal detects that corresponding term of life reaches, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, the use rights and interests of authorizing or accept the described virtual service passed through are reclaimed by described second terminal, comprising:
Reach according to the term of life that described authorization code parses described lease term of life information corresponding, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
8. a terminal, is characterized in that, described terminal comprises:
Request unit, for initiating the first request to the second terminal, to ask described second terminal user authorization or to accept the business application that first terminal user allows use second terminal user virtual service; The pre-paid information relevant to described business application and the term of life information of virtual service is carried in described first request;
Receiving element, for receiving the first request response of the second terminal feedback, the first request response is described second terminal user authorization or accepts virtual service application and be of use confirmation with the form of lease to term of life;
Detecting unit, detect that corresponding term of life reaches for first terminal, by described pre-paid information and the comparison of actual delivery information, and according to all or part of account that proceed to second terminal user place of described actual delivery information by described pre-paid information, to authorize or the use rights and interests that accept the described virtual service passed through are reclaimed by described second terminal.
9. terminal according to claim 8, it is characterized in that, described request unit, be further used for: the usufructuary applicant of virtual account logging in first terminal initiates described first request to the owner of the virtual account of login second terminal, asks the owner of described virtual account to authorize or accept the usufructuary applicant of described virtual account and uses virtual account business;
Accordingly, the lease term of life information of the pre-paid information relevant to the application of virtual account business and virtual account business is carried in described first request.
10. terminal according to claim 9, is characterized in that, described request unit, is further used for:
Inquire the owner of one or more virtual account, and be defined as destination object;
What at least one obtained in the scope of business according to described destination object support lease, lease expenses, lease term of life generated treats the target information that user applies for;
Respond described target information, to initiate described first request, and enter optional one or more channel of disbursement to obtain pre-paid information, in described first request, send to the owner of one or more virtual account to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
11. terminals according to claim 10, it is characterized in that, described receiving element, be further used for: if the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
12. terminals according to claim 9, is characterized in that, described request unit, is further used for:
Log in the first application, first using user interface opens channel of disbursement, to obtain pre-paid information, in described first request, the owner of one or more virtual account is sent to carry out authorizing or accepting examination & approval described pre-paid information and lease term of life Information encapsulation;
Described pre-paid information possesses freezes the term of validity, described in freeze the term of validity and lease term of life information match.
13. terminals according to claim 12, it is characterized in that, described receiving element, be further used for: between the usufructuary applicant of virtual account and the owner of described one or more virtual account, according at least one in the scope of business of described destination object support lease, lease expenses, lease term of life generate treat the target information that user applies for and described first ask in described pre-paid information and lease term of life information and consult alternately, and consult to confirm that actual delivery information leases term of life information with reality;
If the owner of described one or more virtual account authorizes or accepts examination & approval by rear, the usufructuary applicant of virtual account receives the authorization code of owner's feedback of described one or more virtual account, uses virtual account business according to described authorization code.
14. terminals according to claim 11 or 13, it is characterized in that, described detecting unit, is further used for:
Reach according to the term of life that described authorization code parses described lease term of life information corresponding, then described pre-paid information is carried out freezing to lift a ban, according to actual settlement amounts, by all or part of account proceeding to the owner of one or more virtual account of described pre-paid information, the owner of described one or more virtual account regains the mandate to the virtual account Interim use time limit that the usufructuary applicant of described virtual account authorizes or accept examination & approval to pass through.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510724742.3A CN105405041B (en) | 2015-10-30 | 2015-10-30 | Information processing method and terminal |
| PCT/CN2016/079941 WO2017071168A1 (en) | 2015-10-30 | 2016-04-21 | Information processing method and terminal, and computer storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510724742.3A CN105405041B (en) | 2015-10-30 | 2015-10-30 | Information processing method and terminal |
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| CN105405041A true CN105405041A (en) | 2016-03-16 |
| CN105405041B CN105405041B (en) | 2021-02-05 |
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| CN201510724742.3A Active CN105405041B (en) | 2015-10-30 | 2015-10-30 | Information processing method and terminal |
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| CN (1) | CN105405041B (en) |
| WO (1) | WO2017071168A1 (en) |
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| WO2017071168A1 (en) * | 2015-10-30 | 2017-05-04 | 腾讯科技（深圳）有限公司 | Information processing method and terminal, and computer storage medium |
| CN106981008A (en) * | 2017-03-03 | 2017-07-25 | 北京小米移动软件有限公司 | Method of commerce, device and the terminal of e-book |
| CN109831322A (en) * | 2019-01-15 | 2019-05-31 | 中国联合网络通信集团有限公司 | Management method, equipment and storage medium in multisystem account authority set |
| CN112995094A (en) * | 2019-12-13 | 2021-06-18 | 中盈优创资讯科技有限公司 | Dynamic management method and system for account number authority of network equipment |
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| CN108200145A (en) * | 2017-12-28 | 2018-06-22 | 努比亚技术有限公司 | Account sharing method, device and computer readable storage medium |
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Also Published As
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| CN105405041B (en) | 2021-02-05 |
| WO2017071168A1 (en) | 2017-05-04 |
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