CN106062798A

CN106062798A - Account information management method and apparatus

Info

Publication number: CN106062798A
Application number: CN201580002222.XA
Authority: CN
Inventors: 常新苗; 李国庆
Original assignee: Huawei Technologies Co Ltd
Current assignee: Huawei Technologies Co Ltd
Priority date: 2015-02-13
Filing date: 2015-02-13
Publication date: 2016-10-26
Also published as: WO2016127407A1

Abstract

An account information management method and apparatus. The method comprises: enabling a virtual card of an electronic application of a terminal, and associating identification information about the virtual card with user information about the electronic application (S101);acquiring application accounts of all sub-applications loaded in the electronic application, and establishing a mapping relationship between the application accounts of all the sub-applications and account information thereabout and the identification information about the virtual card (S102);when a user operation instruction of an application account is received, according to a target application account of at least one target sub-application carried in the user operation instruction, querying the mapping relationship, and determining account information about the target application account (S103); and according to a management operation mode carried in the user operation instruction, managing the account information about the target application account (S104).The method and apparatus have the advantages of achieving the unified management of multiple pieces of account information about the same user in the same type of applications, improving the flexibility of account information management, and enhancing the user experience of an electronic application.

Description

A kind of method and device of accounts information management

Technical field

The present invention relates to the method and device of communication technical field, more particularly to a kind of management of accounts information.

Background technology

It is current as communication, electronic technology are developed rapidly, the convenience service that people can enjoy is also more and more, stored value card or e-credit that the terminal such as by mobile phone or computer is paid etc..As the improvement of people's living standards, same user's (such as same identity card) often possesses multiple accounts of same class convenience service, for example, can have multiple electronic cash accounts in a stored value card.Because a stored value card can associate multiple chip bank cards, and each chip bank card can open an electronic cash account, so can have multiple electronic cash accounts in a stored value card.

In the prior art, due to each electronic cash account one bank card of correspondence, therefore each electronic cash account is independent, and the management of each electronic cash account is also independent, it is impossible to be managed collectively as managing cash in reality.Inquired about when electronic purse customer is wanted to check the transaction details of electronic cash or wallet balances, it is necessary to manually select some specific electronic cash account.If desired multiple electronic cash accounts are inquired about, then need repeatedly to manually select, cumbersome, search efficiency is low.In addition, when electronic purse customer is paid using stored value card, if the electronic cash account of stored value card acquiescence can not complete the when of paying (such as Sorry, your ticket has not enough value), stored value card can not select other electronic cash accounts to be paid.Now, user needs to abandon the mode of electronic cash payment, uses the online mode such as swipe the card instead, and delivery operation is dumb, and Consumer's Experience is low.

The content of the invention

The embodiments of the invention provide a kind of method and device of accounts information management, the unified management of multiple accounts informations of same user in same class application can be achieved, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

First aspect of the embodiment of the present invention provides a kind of method that accounts information is managed, and it may include：

The virtual card of the electronic application of terminal is enabled, the identification information of the virtual card and the user profile of the electronic application are associated；

The application account of all sub- applications loaded in the electronic application is obtained, the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations；

When receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account；

The accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction.

With reference in a first aspect, in the first possible implementation, the virtual card of the electronic application for enabling terminal, after the user profile of the identification information of the virtual card and the electronic application is associated, methods described also includes：

When the electronic application for detecting the terminal, which is loaded with new son, to be applied, the application account of the new sub- application is obtained；

The accounts information of the new sub- application is obtained, the identification information of the application account and accounts information of the new sub- application and the virtual card is set up into mapping relations.

With reference to first aspect or first aspect the first possible implementation, in second of possible implementation, the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.

With reference to second of possible implementation of first aspect, in the third possible implementation, the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.

With reference to first aspect in the third possible implementation, in the 4th kind of possible implementation, the management mode of operation carried in the user operation instruction is data query；

It is described that the accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction, including：

The query interface provided according to the virtual card, inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults；

Wherein, the accounts information of the intended application account of the inquiry includes：Shift at least one of data amount, the title of sub- Application issuance side and data transfer record.

With reference to the 4th kind of possible implementation of first aspect, in the 5th kind of possible implementation, the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is removed for data；

It is described according to the management mode of operation carried in the user operation instruction to the intended application account Accounts information be managed, including：

According to the transfer path carried in the user operation instruction, the transfer data amount of the intended application account is transferred to the application account of the corresponding specified sub- application of the transfer path；

Delete the application account of the target application and its mapping relations of accounts information and the identification information of the virtual card.

The third possible implementation with reference to first aspect, in the 6th kind of possible implementation, includes the management mode of operation carried in the transfer data amount of the application account, the user operation instruction and is updated for data in the accounts information of the application account；

Goal displacement size of data is obtained according to the more new route carried in the user operation instruction, the transfer data amount of the intended application account is changed according to the goal displacement size of data.

With reference to the 4th kind of possible implementation of first aspect into the 6th kind of possible implementation of first aspect it is any, in the 7th kind of possible implementation, the application account and its accounts information by each sub- application and the identification information of the virtual card are set up after mapping relations, and methods described also includes：

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table.

With reference to the 7th kind of possible implementation of first aspect, in the 8th kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

The application account and its accounts information by each sub- application and the mapping relations of the identification information of the virtual card are stored as after mapping table, and methods described also includes：

The transfer priority of the transfer data of the application account of the sub- application of each in the mapping table is set, the transfer priority is added to the mapping table；

Wherein, when the transfer priority is used to indicate the transfer data of the transfer electronic application, the selecting sequence of the goal displacement data is selected in the transfer data of the application account of each the sub- application included from the mapping table.

With reference to the 8th kind of possible implementation of first aspect, in the 9th kind of possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

It is described when receiving the user operation instruction using account, methods described also includes：

According to the transfer priority, searched from the mapping table and obtain the transfer highest priority Son application application account；

The corresponding goal displacement size of data of specified size of data carried in the transfer instruction is deducted from the transfer data amount of the application account of the transfer highest priority.

With reference to the 7th kind of possible implementation of first aspect, in the tenth kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

The transition rule of the transfer data of the application account for each sub- application that the mapping table is included is set, the transition rule is added to the mapping table；

Wherein, the transition rule is specially：When the transfer data amount of the application account of any sub- application in the mapping table is more than or equal to goal displacement size of data, the goal displacement size of data is deducted from the transfer data amount of the application account of the sub- application.

With reference to the tenth kind of possible implementation of first aspect, in a kind of the tenth possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

The goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched；

When the transfer data amount of any application account in the mapping table is more than or equal to the goal displacement size of data, is deducted from the transfer data amount of the application account and shift data amount with the goal displacement size of data identical.

With reference to first aspect into a kind of possible implementation of first aspect the tenth it is any, in the 12nd kind of possible implementation, the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

The identification information of the virtual card of the electronic application is specially：The application identities AID, the AID of the virtual card are used for virtual card described in unique mark.

With reference to the 12nd kind of possible implementation of first aspect, in the 13rd kind of possible implementation, the identification information of the virtual card and the user profile of the electronic application are associated by the virtual card for enabling terminal electronic application, including：

User's mark of user's input is received, the administration authority for activating the virtual card is identified according to the user；

The user profile of user's input is received, the AID of the virtual card is associated with the user profile；

Wherein, user's mark includes：At least one of user's name, user's pet name, and user identity card number；

The user profile includes：At least one of communication mode, birthday, former name, native place, residence, or the personal identification number of the management account of user setting, password protection problem.

Second aspect of the embodiment of the present invention provides the device that a kind of accounts information is managed, and it may include：

The identification information of the virtual card and the user profile of the electronic application are associated by starting module, the virtual card of the electronic application for enabling terminal；

Mapping block, the application account for obtaining all sub- applications loaded in the electronic application that the starting module starts, mapping relations are set up by the identification information of the application account and its accounts information of each sub- application and the virtual card；

Enquiry module, for when receiving the user operation instruction using account, the mapping relations that the mapping block according to the intended application account inquiries of at least one target son application carried in the user operation instruction is set up, determine the accounts information of the intended application account；

Processing module, the accounts information of the intended application account for being inquired about according to the management mode of operation carried in the user operation instruction the enquiry module is managed.

With reference to second aspect, in the first possible implementation, the mapping block is additionally operable to：

When the electronic application for detecting the terminal is loaded with new son and applied, the application account of the new sub- application is obtained；

With reference to second aspect or second aspect the first possible implementation, in second of possible implementation, the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.

With reference to second of possible implementation of second aspect, in the third possible implementation, the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.

The third possible implementation with reference to second aspect, in the 4th kind of possible implementation, the management mode of operation carried in the user operation instruction is data query；

The processing module, specifically for：

The third possible implementation with reference to second aspect, in the 5th kind of possible implementation, includes the management mode of operation carried in the transfer data amount of the application account, the user operation instruction and is removed for data in the accounts information of the application account；

The processing module specifically for：

With reference to second aspect in the third possible implementation, in the 6th kind of possible implementation, the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account to update for data；

The processing module specifically for：

With reference to the 4th kind of possible implementation of second aspect into the 6th kind of possible implementation of second aspect it is any, in the 7th kind of possible implementation, described device also includes：

Memory module, the mapping relations for the mapping block to be set up to the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table.

With reference to the 7th kind of possible implementation of second aspect, in the 8th kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

Described device also includes：

The transfer priority is added to the mapping table by setup module, the transfer priority of the transfer data of the application account for setting the sub- application of each in the mapping table；

Wherein, when the transfer priority is used to indicate the transfer data of the transfer electronic application, the target is selected to turn in the transfer data of the application account of each the sub- application included from the mapping table Move the selecting sequence of data.

With reference to the 8th kind of possible implementation of second aspect, in the 9th kind of possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

The enquiry module specifically for：

According to the transfer priority, the application account for the son application for obtaining the transfer highest priority is searched from the mapping table；

The processing module specifically for：

With reference to the 7th kind of possible implementation of second aspect, in the tenth kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

Described device also includes：

The transition rule is added to the mapping table by setup module, the transition rule of the transfer data of the application account for setting each sub- application that the mapping table is included；

With reference to the tenth kind of possible implementation of second aspect, in a kind of the tenth possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

The enquiry module specifically for：

The processing module specifically for：

When the transfer data amount of any application account in the mapping table that the enquiry module is inquired about is more than or equal to the goal displacement size of data, is deducted from the transfer data amount of the application account and shift data amount with the goal displacement size of data identical.

With reference to second aspect into a kind of possible implementation of second aspect the tenth it is any, in the 12nd kind of possible implementation, the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

The identification information of the virtual card of the electronic application is specially：The application identities AID of the virtual card, The AID is used for virtual card described in unique mark.

With reference to the 12nd kind of possible implementation of second aspect, in the 13rd kind of possible implementation, the starting module, including：

Unit is activated, user's mark for receiving user's input identifies the administration authority for activating the virtual card according to the user；

Associative cell, the user profile for receiving user's input, the AID of the virtual card is associated with the user profile；

The third aspect of the embodiment of the present invention provides a kind of terminal, and it may include：Receiver, memory and processor；

The memory, for store program codes；

The processor is used to call the described program code stored in the memory, performs following operation：

With reference to the third aspect, in the first possible implementation, the processor is additionally operable to：

With reference to the third aspect or the third aspect the first possible implementation, possible realized at second In mode, the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.

With reference to second of possible implementation of the third aspect, in the third possible implementation, the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.

The third possible implementation with reference to the third aspect, in the 4th kind of possible implementation, the management mode of operation carried in the user operation instruction is data query；

The processor specifically for：

The third possible implementation with reference to the third aspect, in the 5th kind of possible implementation, includes the management mode of operation carried in the transfer data amount of the application account, the user operation instruction and is removed for data in the accounts information of the application account；

The processor specifically for：

The third possible implementation with reference to the third aspect, in the 6th kind of possible implementation, includes the management mode of operation carried in the transfer data amount of the application account, the user operation instruction and is updated for data in the accounts information of the application account；

The processor specifically for：

With reference to the 4th kind of possible implementation of the third aspect into the 6th kind of possible implementation of the third aspect it is any, in the 7th kind of possible implementation, the memory is additionally operable to：

With reference to the 7th kind of possible implementation of the third aspect, in the 8th kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

The processor is additionally operable to：

With reference to the 8th kind of possible implementation of the third aspect, in the 9th kind of possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

The processor is additionally operable to：

With reference to the 7th kind of possible implementation of the third aspect, in the tenth kind of possible implementation, the transfer data amount of the application account is included in the accounts information of the application account；

The processor is additionally operable to：

With reference to the tenth kind of possible implementation of the third aspect, in a kind of the tenth possible implementation, the management mode of operation carried in the user operation instruction shifts for data；

The processor is additionally operable to：

When the transfer data amount of any application account in the mapping table is more than or equal to the goal displacement size of data, deducted and the mesh from the transfer data amount of the application account Mark transfer size of data identical transfer data amount.

With reference to the third aspect into a kind of possible implementation of the third aspect the tenth it is any, in the 12nd kind of possible implementation, the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

With reference to the 12nd kind of possible implementation of the third aspect, in the 13rd kind of possible implementation, the processor specifically for：

The user profile that the virtual card that the embodiment of the present invention can apply terminal electronic is applied with terminal electronic is associated, and then can be by the accounts information with all application accounts of user information correlation, mapping relations are set up with the identification information of virtual card, each is associated using the accounts information of account and the identification information of virtual card, and then each can be inquired about using the accounts information of account by virtual card, managed.When receiving the user operation instruction using the accounts information of account, each can be inquired about according to user operation instruction using account and the mapping relations of the identification information of virtual card, lookup obtains intended application account, and then intended application account is managed according to user operation instruction.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class is managed collectively, and improve the flexibility of accounts information management, enhance the Consumer's Experience of terminal electronic application.

Brief description of the drawings

Technical scheme in order to illustrate the embodiments of the present invention more clearly, the required accompanying drawing used in embodiment will be briefly described below, apparently, drawings in the following description are only some embodiments of the present invention, for those of ordinary skill in the art, on the premise of not paying creative work, also Other accompanying drawings can be obtained according to these accompanying drawings.

Fig. 1 is the first embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention；

Fig. 2 is the second embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention；

Fig. 3 is the 3rd embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention；

Fig. 4 is the fourth embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention；

Fig. 5 is the 5th embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention；

Fig. 6 is the sixth embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention

Fig. 7 is the first embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention；

Fig. 8 is the second embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention；

Fig. 9 is the 3rd embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention；

Figure 10 is the fourth embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention；

Figure 11 is the 5th example structure schematic diagram of the device of accounts information management provided in an embodiment of the present invention；

Figure 12 is the sixth embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention

Figure 13 is the example structure schematic diagram of terminal provided in an embodiment of the present invention.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only a part of embodiment of the invention, rather than Whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art are obtained under the premise of creative work is not made belongs to the scope of protection of the invention.

In embodiments of the present invention, the terminal described in the embodiment of the present invention can include：The mobile terminal devices such as tablet personal computer, smart mobile phone, notebook computer, palm PC and mobile internet device (Mobile Internet Device, MID).Above-mentioned terminal is illustrated, and non exhaustive, including but not limited to above-mentioned terminal, will be specifically described below with mobile phone.

Terminal electronic application described in the embodiment of the present invention is concretely：Social network services (Social Network Software, SNS) the related mobile phone electronic application of business, or wireless near field communication (Near Field Communication, NFC) the related mobile phone electronic application of platform, it may also include related mobile phone electronic application of closely payment system environment (Proximity Payment Systems Environment, PPSE) etc..Above-mentioned mobile phone electronic application is only citing, and non exhaustive, including but not limited to the related mobile phone electronic application of above-mentioned platform.

In the specific implementation, the mobile phone electronic application that the method for accounts information provided in an embodiment of the present invention management can apply on above-mentioned SNS platform, or above-mentioned NFC, PPSE environmental correclation mobile phone electronic application, for example：Mobile phone electronic wallet (or mobile wallet) or credit card.

Stored value card is can to deposit electronic money in a kind of means of payment in shopping activity, stored value card in ecommerce, such as electronic cash, electronics change, e-credit or online currency.Existing stored value card is mostly installed in the intelligent movable equipment such as mobile phone, for bank card, the management of electronic cash or coupons etc. and the means of payment.Electronic cash be the cash of small amount payment electronically, holder is stored in the electronic cash of certain amount of money in electronic cash account in advance, and directly dealing money is deducted from electronic cash account during transaction.

Electronic cash account is to be exclusively used in the sub- account that small amount is quickly consumed under financial chip card (being also chip bank card), the electronic cash amount of money on the account has the upper limit amount of money, it is impossible to overdraw, without password, if financial chip card lost, the electronic cash account can not also be reported the loss.Wherein, above-mentioned financial chip card typically all has electronic cash function, and the card with debit account and electronic cash account is referred to as the financial chip card with main account.Electronic cash account default association main account (debit account) in financial chip card with main account, main account directly can be deposited or enclosed to electronic cash account progress circle and carry, without signing.Electronic cash account can also bind any debit card (i.e. bank card) by way of signing, deposited or enclosed to electronic cash account circle by above-mentioned debit card and carry.

Financial chip card can be both physically present on a bank card, can also be present on mobile phone, can Applied in NFC payment systems.What the operation and management that the high security data of phy chip card are present in the business and data inside the high safety storage region of cell phone intelligent, chip card were still just as either on physics card in mobile phone.When chip card is on mobile phone, mobile phone, which can be provided, to be carried out the external interface of a stored value card to call or check the bank account information being stored in mobile phone high safety region, and externally the data interaction with POS can be by the NFC chip on mobile phone.

The method and device that can apply to the accounts information management of the application account (i.e. electronic cash account) of above-mentioned electronic cash application is specifically described below in conjunction with Fig. 1-Figure 13.

It is the first embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 1.Method described in the embodiment of the present invention, including step：

S101, enables the virtual card of the electronic application of terminal, and the identification information of the virtual card and the user profile of the electronic application are associated.

In some feasible embodiments, cellphone subscriber installs mobile phone electronic application APP in mobile phone in advance, and then the unified management of the application account applied to each height loaded in the application of above-mentioned mobile phone electronic and its accounts information can be realized in above-mentioned mobile phone electronic application APP.In implementing, cellphone subscriber can be by the operation instruction on above-mentioned mobile phone electronic application APP user interface, triggering mobile phone enables the virtual card in mobile phone electronic application, i.e., the application account and its management module of accounts information for managing each height application loaded in mobile phone electronic application that the publisher that the mobile phone electronic is applied issues.

In implementing, when mobile phone acquires the triggering command for enabling virtual card, the virtual card management module of above-mentioned mobile phone electronic application can be enabled, is managed with the application account and its accounts information applied by above-mentioned virtual card management module to each height loaded in virtual card.After enabling above-mentioned virtual card, the user profile backed up in mobile phone electronic application can be obtained, the user profile that the identification information of virtual card and the mobile phone electronic are applied is associated, and then the virtual card that can apply the mobile phone electronic is bound with user profile, improves the security of virtual card.After virtual card and user profile are associated, then it can be managed by the virtual card come the application account and its accounts information applied to each height of the user information correlation.

In some feasible embodiments, the mobile phone electronic described in the embodiment of the present invention is using concretely mobile phone electronic wallet, i.e. the stored value card on mobile phone, for example, mobile wallet APP.Cellphone subscriber is mounted with after stored value card on mobile phone, then can activate above-mentioned stored value card, enables the virtual card in stored value card.Wherein, above-mentioned virtual card can be used for managing each electronic cash account associated with cellphone subscriber.The embodiment of the present invention can increase a virtual card management module in mobile wallet, and the management module is used for each electronic cash account for managing virtual card association, and above-mentioned virtual card is used to associate each electronic cash account Accounts information.In embodiments of the present invention, mobile wallet can pass through publisher (concretely its operator, such as mobile communication) distribute an identification information for virtual card, application identities (the Application Identifier of such as virtual card, AID), the AID of above-mentioned virtual card is used for the above-mentioned virtual card of unique mark.Mobile phone is enabled after the virtual card in above-mentioned mobile wallet, the AID of above-mentioned virtual card can be then associated with user profile, such as user name (user's name, user's pet name or former name) or identity card etc., and then the accounts information with each electronic cash account of the subscriber information management can be associated by the virtual card.

S102, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

In some feasible embodiments, after the identification informations such as the AID of virtual card and user profile are associated by mobile phone, the application account with user information correlation can be then inquired about in the management system that above-mentioned mobile phone electronic is applied, the application account and its accounts information of all sub- applications loaded in the mobile phone electronic application with user information correlation are obtained from system.Mobile phone is acquired after the application account with each height application of user information correlation, the accounts information of the application account of each height application can also be obtained, and then each can be applied the identification informations such as the AID of account and its accounts information and virtual card set up mapping relations, to be managed by virtual card to each using the accounts information of account.Wherein, the application account of the above-mentioned sub- application AID that concretely son is applied, for example, the AID of electronic cash application, accounts information Bank Account Number that concretely electronic cash is applied of the application account of sub- application etc..

In some feasible embodiments, if above-mentioned mobile phone electronic is applied as mobile wallet.After then the AID of the virtual card of mobile wallet and mobile wallet user profile are associated by mobile phone, operator's management platform inquiry from the user profile of mobile wallet to mobile wallet and all electronic cash accounts (the application account of sub- application) of the user information correlation that then can be according to, obtain the accounts information of each electronic cash account.In embodiments of the present invention, each electronic cash application loaded in the specially mobile wallet of each height application loaded in mobile wallet, each electronic cash application one electronic cash account of correspondence, each electronic cash account includes its accounts information.Wherein, the accounts information of above-mentioned electronic cash account includes：The information such as main account (including Bank Name, the account of main account, for example, the Bank Name of debit card, card number etc.), electronic cash balances belonging to electronic cash account.After the accounts information for acquiring each electronic cash account, then the information such as the AID of above-mentioned electronic cash account and virtual card can be set up mapping relations, to be associated by virtual card to the accounts information of each electronic cash account.For example, if cellphone subscriber is loaded with multiple bank cards in mobile wallet, and the electronic cash account inside every bank card of activation line, respectively The accounts information of individual electronic cash account has all been carried in inside mobile wallet, the accounts information of each electronic cash account can be obtained by then moving the corresponding virtual card management module of virtual card of wallet, the information such as the AID by each electronic cash account and its accounts information and virtual card set up mapping relations, such as table 1 below：

Table 1

Wherein, above-mentioned table 1 be mobile wallet virtual card and its association each using account (electronic cash account) accounts information mapping relations.Cellphone subscriber can manage the accounts information with each electronic cash account of its user information correlation by virtual card, specifically, the accounts information for each electronic cash account that can be associated by the corresponding virtual card management module of virtual card to virtual card is managed.

S103, when receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account.

In some feasible embodiments, cellphone subscriber want inquiry or manage some in the application of above-mentioned mobile phone electronic using account or some application accounts accounts information when, the corresponding user operation instruction of management platform transmission that can be applied by mobile phone or with the equipment of mobile phone interaction to the mobile phone electronic.Specifically, cellphone subscriber can be inquired about or be managed the accounts information for the application account that specific a certain height is applied by virtual card, the accounts information of the application account of all sub- applications of the identification information association of virtual card also can be inquired about or managed simultaneously.Cellphone subscriber can on mobile phone or equipment with mobile phone interaction selection it is specific inquire about or management target son application intended application account, the management platform applied to mobile phone electronic sends the user operation instructions such as the inquiry or management of the intended application account, also can on mobile phone or equipment with mobile phone interaction the multiple targets applications of simultaneous selection multiple intended application accounts, the management platform applied to mobile phone electronic sends above-mentioned many The user operation instructions such as the inquiry or management of the accounts information of individual intended application account.When the management platform of mobile phone electronic application receives the user operation instruction using account, specific some or multiple intended application accounts can be obtained from above-mentioned user operation instruction, the accounts information of intended application account is determined from above-mentioned mapping relations using account and its mapping relations of accounts information with each according to the identification information of above-mentioned intended application account inquiries virtual card.And then, the accounts information of above-mentioned intended application account either can be presented to the equipment of mobile phone interaction by user by the display interface of mobile phone or handled the progress of above-mentioned accounts information is corresponding.

S104, is managed according to the management mode of operation carried in the user operation instruction to the accounts information of the intended application account.

In some feasible embodiments, mobile phone is inquired about according to above-mentioned mapping relations after the accounts information for obtaining intended application account, then the accounts information of above-mentioned intended application account can be managed according to the management mode of operation carried in above-mentioned user operation instruction.For example, if cellphone subscriber wants to be managed the accounts information of some electronic cash account in mobile wallet, specified location some specific electronic cash account can be selected in mobile wallet, the user operation instruction of the accounts information of the electronic cash account is sent to the virtual card management module of mobile wallet, and the management mode of operation being managed to electronic cash account is set in above-mentioned user operation instruction.Or, if cellphone subscriber wants to be managed the accounts information of all application accounts in mobile wallet, all electronic cash accounts then can be selected in mobile wallet, the user operation instruction of all electronic cash accounts is managed from the virtual card management module sending tube of mobile wallet, and the management mode of operation being managed to electronic cash account is set in above-mentioned user operation instruction.When the virtual card management module of mobile wallet acquires the user operation instruction using the accounts information of account, the specific intended application account to be inquired about (concretely name on account) can be obtained from above-mentioned user operation instruction, according to the mapping relations showed in the above-mentioned table 1 of above-mentioned intended application account inquiries, the accounts information of intended application account is determined according to above-mentioned mapping relations, for example, card number, remaining sum etc..Further, after virtual card management module acquires the accounts information of above-mentioned intended application account, then the accounts information of above-mentioned intended application account can be managed according to the management mode of operation carried in above-mentioned user operation instruction.For example, when above-mentioned user operation instruction is query statement, the management mode of operation carried in above-mentioned query statement is data query, virtual card management module is obtained according to the intended application account inquiries carried in above-mentioned query statement after the accounts information of above-mentioned intended application account, then the accounts information (such as name on account, the transfer data amount of account) for inquiring about obtained intended application account can be presented into user.Specifically, may be output to display interface of mobile phone, the accounts information of application account is presented to by user by display interface of mobile phone.

In embodiments of the present invention, mobile phone can enable the virtual card of mobile phone electronic application, by mobile phone electronic application Virtual card be associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, and then each can be inquired about using the accounts information of account by virtual card, managed.When receiving the user operation instruction using the accounts information of account, the mapping relations of each identification information for applying account and virtual card can be inquired about according to user operation instruction by the corresponding management module of virtual card, lookup obtains intended application account, and then according to the management mode of operation carried in user operation instruction to being managed to intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class is managed collectively, and improve the flexibility of accounts information management, enhance the Consumer's Experience of terminal electronic application.

It is the second embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 2.The method of accounts information management described in the embodiment of the present invention, including step：

S201, the publisher applied to the terminal electronic sends the request of opening of virtual card, receives the publisher according to the identification information for opening the virtual card that request is returned.

In some feasible embodiments, user can in the terminal such as mobile phone or computer installing terminal electronic application APP, the mobile phone electronic application APP such as installing mobile wallet on mobile phone.After startup mobile phone electronic application APP, user can be according to the operation instruction on mobile phone electronic application APP user interface, corresponding option of operation is selected, sending the virtual card of mobile phone electronic application to trigger the provider that is applied to mobile phone electronic of management module of mobile phone electronic application opens request.For example, user can open option by selection virtual card on the user interface of mobile wallet, what the publisher's (for example moving the operator of wallet, mobile communication) for triggering virtual card management module to mobile wallet sent virtual card opens request.

In some feasible embodiments, the publisher of mobile phone electronic application receive mobile phone send virtual card open request after, the user submitted to user mark (such as user's name or user identity card) is verified.Required if above-mentioned user identifier is closed, a virtual card can be distributed for user, and then user's mark and the virtual card can be associated, the identification information of virtual card is handed down to mobile phone.Wherein, the identification information of above-mentioned virtual card is specially the AID of virtual card, and the AID of above-mentioned virtual card is used for the above-mentioned virtual card of unique mark.Mobile phone is received after the AID for obtaining virtual card, then can determine that opening for virtual card has succeeded, and then the accounts information for the application account that can be applied by the virtual card to each height loaded in mobile phone electronic application is managed.

For example, when user to the operator of mobile wallet sends when opening request of virtual card, can be by user name User's mark such as title or identification card number is sent to mobile operator.Operator is received after above-mentioned user's mark, it then can verify that whether above-mentioned user's name has been used, or whether whether above-mentioned identification card number is legal or have been used, if above-mentioned user's name is not used by or above-mentioned identification card number is legal and is not used by, a virtual card can be issued to the user.Operator is issued after a virtual card, then can be associated the AID of user's mark of the user and virtual card, and then the mobile wallet that can be handed down to the identification information such as the AID of virtual card and its user of association mark on mobile phone.The virtual card management module configured in mobile wallet on mobile phone is received after the AID for the virtual card that above-mentioned operator returns and its user's mark of association, then can determine that virtual card opens success.

S202, receives user's mark of user's input, the administration authority for activating the virtual card is identified according to the user.

In some feasible embodiments, the publisher of mobile phone electronic application can also authorize the administration authority of virtual card while distributing a virtual card for user, the accounts information of the application account of the son application with being loaded in the virtual card, including the authority that the application account associated with the user of virtual card mark is associated with virtual card can be managed by the virtual card.Mobile phone electronic application is received after the identification information for the virtual card that publisher issues, and can receive the information such as user's mark of user's input of mobile phone electronic application, and user mark is verified, after being verified, then the administration authority of the virtual card can be activated.For example, mobile wallet is received after the identification informations such as the AID and its association user mark of virtual card, then can receive user's mark of user's input, judges that the user of user's input identifies whether that the user's mark associated with virtual card is consistent, if judging consistent, the administration authority of virtual card can be activated.And then, it the administration authority of virtual card can be used to be associated each electronic cash account associated with the user of virtual card mark, the accounts information of each electronic cash account can be also managed.

S203, receives the user profile of user's input, the AID of the virtual card is associated with the user profile.

In some feasible embodiments, after the mobile phone electronic application activating administration authority of virtual card, the user profile of user's input can be also received, the identification information and user profile of virtual card be associated.Specifically, user can input more personal information in addition to user's name or user identity card on the user interface that mobile phone electronic is applied, to improve the user profile that the identification information of the virtual card is managed.Wherein, above-mentioned user profile may include：Communication mode (such as cell-phone number either mailing address), birthday, former name, native place, personal identification number, the password protection problem of the virtual card of residence or user's sets itself etc..Wherein, above-mentioned user's mark may also include the information such as user's pet name, user's head portrait or user fingerprints data.

For example, mobile wallet is activated by virtual card management module after the application functions such as the administration authority of virtual card, the user profile that user inputs on the user interface of mobile wallet can also be received, and then the identification informations such as the AID of virtual card and user profile can be associated, to strengthen the specificity and security of virtual card.

S204, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

In some feasible embodiments, the administration authority of its virtual card of mobile phone electronic application activating, and after associating the identification information of virtual card and user profile foundation, the application account of all sub- applications with the user-association loaded in mobile phone electronic application can be then inquired about according to user profile, and then the application account and its identification information of accounts information and virtual card that can apply each height set up mapping relations, such as upper table 1.In the specific implementation, above-mentioned acquisition each apply the accounts information of account, and each is implemented into process reference can be made to step S102 in above-mentioned first embodiment, will not be repeated here using what the identification information of account and its accounts information and virtual card set up mapping relations.

Further, during the use that mobile phone electronic is applied, if user has newly opened the application account of a son application, or has newly set up one and apply account, the information of the application account for the new sub- application that user can newly open this is added in the management content of virtual card.For example, on user interface in mobile phone electronic application the newly-increased son application of selection application account, and then the content such as the accounts information of application account by new sub- application is added in the management platform of mobile phone electronic application.When the mobile phone electronic application that the management module detection of virtual card obtains above-mentioned user information correlation has increased an application account newly, the accounts information for applying account can be obtained.After the accounts information for acquiring newly-increased application account, then this can be applied the accounts information of account and the identification information of virtual card set up mapping relations.For example, when user is newly loaded with a bank card (i.e. in mobile wallet, user is handled to the user profile such as the user's name or card number information of bank card association to be loaded into mobile wallet) when, the virtual card management module of mobile wallet can detect the user profile of above-mentioned new bank card.The virtual card management module detection of mobile wallet is obtained after the user profile of above-mentioned new bank card, can acquire the main account information of the bank card, and then can determine whether whether the main account supports electronic cash application.If the main account supports electronic cash application, the accounts information of the electronic cash account of the main account can be obtained, and then the identification informations such as the AID of the accounts information of the electronic cash account and virtual card can be set up mapping relations.

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table by S205.

In some feasible embodiments, the identification information of above-mentioned virtual card also includes the data storage path of virtual card.When the publisher of mobile phone electronic application distributes a virtual card for user, also a data storage path can be distributed for the virtual card, such as the data space under the management platform of publisher.Mobile phone electronic, which is applied, sets up each of user information correlation after mapping relations using the identification information of account and its accounts information and virtual card, using the mapping relations of account and its identification information of accounts information and virtual card each can be stored as into a mapping table.And then, above-mentioned mapping table can be stored into the data storage path of virtual card, the renewal or change of the mapping relations recorded in above-mentioned mapping table can call data from above-mentioned data storage path, and concrete operations mode is not limited herein.For example, the mapping relations of the identification informations such as the AID of virtual card and the accounts information of each electronic cash account can be stored as a mapping table by mobile wallet by virtual card management module, such as upper table 1, and then above-mentioned mapping table can be stored into the data storage paths such as mobile operator management platform.

It should be noted that, the accounts information of electronic cash account described in the embodiment of the present invention is only Bank Name, card number, balance amount information or the transaction record of the main account (such as debit card) belonging to electronic cash account, the particular transactions information and dealing money of electronic cash account are stored in safe unit, and the data manipulation such as particular transactions information or dealing money is performed by the processing terminal of each bank.

S206, when receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account.

In some feasible embodiments, mobile phone electronic is applied to be associated after management by its virtual card to each using account and its accounts information, a query interface (such as inquiry button or query path) can be provided by virtual card management module, user can send the user operation instruction (concretely query statement) of the accounts information of specific some or all application accounts by above-mentioned query interface to the management module of virtual card.After the query statement for the accounts information that mobile phone receives the account that is applied by the management module of virtual card, then the accounts information of intended application account can be determined according to the above-mentioned mapping relations of intended application account inquiries carried in above-mentioned query statement.In the specific implementation, the accounts information of above-mentioned inquiry intended application account implements process reference can be made to step S103 in above-mentioned first embodiment, will not be repeated here.

S207, the query interface provided according to the virtual card inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults.

In some feasible embodiments, the management module of mobile phone electronic application refers to according to the inquiry received Order is searched after the accounts information for obtaining intended application account, the query interface that can be also provided according to virtual card management module inquires about the accounts information of above-mentioned intended application account, and export the accounts information of the intended application account of above-mentioned inquiry to specified display interface, so that user is consulted.For example, when user selects inquiry button in the user interface of mobile wallet, the query interface that virtual card management module is provided being pointed to by the inquiry button, query statement is sent to virtual card management module.Virtual card management module reception is obtained after above-mentioned query statement, and target electronic cash account (such as electronic cash account 1) can be acquired from above-mentioned query statement.Virtual card management module can inquire about above-mentioned mapping table (such as table 1) according to above-mentioned electronic cash account 1, obtain the accounts information of electronic cash account, and then can be according to the management mode of operation carried in above-mentioned query statement (such as showing paths the result of data query), the accounts information of above-mentioned electronic cash account is shown to the above results and showed paths on (such as display interface of mobile phone), so that user consults.User can also can simultaneously inquire about the accounts information of multiple electronic cash accounts, as long as the electronic cash account that the AID of virtual card is associated with, is obtained with can inquire about per family simultaneously by the accounts information of some specific electronic cash account of mobile terminal enquiry.Without electronic cash account inquiries one by one, one query can grasp the accounts information state of all electronic cash accounts, improve the search efficiency of the accounts information of electronic cash account.

Further, in embodiments of the present invention, when some not specified specific electronic cash application (i.e. not specified target electronic cash application) in above-mentioned user operation instruction, then the accounts information of all electronic cash application (i.e. electronic cash account) managed virtual card, which is exported to specified display interface, to be shown.Further, the summation of the account balance of all electronic cash applications can be also shown on display interface is specified.The display mode of above-mentioned inquiry mode and its Query Result is only citing, can specifically be set, is not limited herein according to practical application scene.

It should be noted that in embodiments of the present invention, above-mentioned each may include using the accounts information of account：Account number, account password, transfer data amount (such as electronic cash account balance), sub- Application issuance side (such as the affiliated main account bank of electronic cash account), or hour of log-on etc..Wherein, above-mentioned accounts information is only citing, and non exhaustive, including but not limited to above- mentioned information.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be inquired about using the accounts information of account by virtual card., can be by the corresponding management module of virtual card according to looking into when receiving the query statement using the accounts information of account Ask instructions query each using the mapping relations of the identification information of account and virtual card, lookup obtains intended application account, inquires about each accounts information for applying account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class is managed collectively, and improve the flexibility of accounts information management, enhance the Consumer's Experience of terminal electronic application.

It is the 3rd embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 3.The method of accounts information management provided in an embodiment of the present invention, including step：

S301, the publisher applied to the terminal electronic sends the request of opening of virtual card, receives the publisher according to the identification information for opening the virtual card that request is returned.

S302, receives user's mark of user's input, the administration authority for activating the virtual card is identified according to the user.

S303, receives the user profile of user's input, the AID of the virtual card is associated with the user profile.

S304, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table by S305.

In some feasible embodiments, each above-mentioned step described in the embodiment of the present invention, implementation including step S301-S305 is identical with the implementation described by each step in above-mentioned second embodiment, process is implemented reference can be made to step S201-S205 in above-mentioned second embodiment, will not be repeated here.

S306, when receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account.

In some feasible embodiments, the user operation instruction described in the embodiment of the present invention may include：Query statement, removal instruction, more new command, and data transfer instruction etc..The management mode of operation carried in above-mentioned user operation instruction is respectively：Data query, data are removed, data update or data are shifted etc..Wherein, when above-mentioned user operation instruction is query statement, according to query statement to each using the implementation that is managed of accounts information of account reference can be made to the step S206-S207 in above-mentioned second embodiment, will not be repeated here.

Further, when user removed in mobile phone electronic application it is specific some apply account when, can pass through The user interface of above-mentioned cellphone subscriber sends to the management module of virtual card and removes instruction.The management module of virtual card is received after removal instruction, the above-mentioned mapping relations of intended application account inquiries that can be carried according to removing in instruction, determines the accounts information of user's intended application account to be removed.For example, when user removes a bank card in mobile wallet, mobile wallet is detected after bank card is removed, and can be sent to virtual card management module and be removed instruction.Virtual card management module is received after removal instruction, the target electronic cash account (such as electronic cash account 1) that can be carried according to removing in instruction inquires about above-mentioned mapping table, the accounts information of above-mentioned electronic cash account 1 is determined, such as the remaining sum of electronic cash account.

S307, according to the transfer path carried in the user operation instruction, the transfer data amount of the intended application account is transferred to the application account of the corresponding specified sub- application of the transfer path, the application account of the target application and its mapping relations of accounts information and the identification information of the virtual card are deleted.

In some feasible embodiments, mobile phone electronic is acquired using the management module by its virtual card after the accounts information of intended application account, it can then obtain and management mode of operation is carried in removal instruction, wherein, above-mentioned management mode of operation may include the transfer path of the account data of intended application account, and then the transfer data of intended application account are transferred to the application account of the corresponding specified sub- application of above-mentioned transfer path.Further, above-mentioned intended application account and its mapping relations of the identification information of accounts information and virtual card can also be deleted from above-mentioned mapping table.

For example, mobile wallet is inquired about by virtual card management module after the accounts information for obtaining electronic cash account 1, then whether the remaining sum that can determine whether above-mentioned electronic cash account 1 is zero.If the remaining sum of above-mentioned electronic cash account 1 is not zero, it can prompt the user to choose whether that carrying out circle to remaining sum in electronic cash account 1 carries.If user's selection circle is carried, can then the transfer path associated be instructed by set in advance remove of user, by the application account (such as in the account of electronic cash account 2, or in the main account of the corresponding bank card of electronic cash account 1) of the balance transfer of electronic cash account 1 to the corresponding specified sub- application of above-mentioned transfer path.Specifically, user can set the transfer path that each electronic cash account balance circle is carried in mobile wallet in advance, such as by the main account of the electronic cash account.When user's selection circle puies forward the remaining sum of specified electronic cash account, then directly the remaining sum circle of the electronic cash account can be carried to the debit card of the main account of the electronic cash account.If user does not preset, user can be pointed out to fill in the corresponding specified electronic cash account of transfer path, such as the electronic cash account contracts the specified electronic cash account of the balance transfer of binding when user's selection circle is carried.

, then can be by electronic cash account and its accounts information after mobile wallet is mentioned the remaining sum circle of electronic cash account 1 on the debit card of its main account by virtual card management module in some feasible embodiments Deleted with the mapping relations of the identification information such as the AID of virtual card, i.e., the data of the correlation of electronic cash account 1 are deleted from above-mentioned mapping table 1.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.When user's selection removes the accounts information that some applies account, the mapping relations of each identification information for applying account and virtual card can be inquired about according to query statement by the corresponding management module of virtual card, lookup obtains intended application account, and the accounts information of intended application account is deleted.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, can also the management such as transfer processing or deletion be carried out to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the fourth embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 4.The method of accounts information management provided in an embodiment of the present invention, including step：

S401, the publisher applied to the terminal electronic sends the request of opening of virtual card, receives the publisher according to the identification information for opening the virtual card that request is returned.

S402, receives user's mark of user's input, the administration authority for activating the virtual card is identified according to the user.

S403, receives the user profile of user's input, the AID of the virtual card is associated with the user profile.

S404, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table by S405.

In some feasible embodiments, each above-mentioned step described in the embodiment of the present invention, implementation including step S401-S405 is identical with the implementation described by each step in above-mentioned second embodiment, process is implemented reference can be made to step S201-S205 in above-mentioned second embodiment, will not be repeated here.

S406, when receiving the user operation instruction using account, takes according in the user operation instruction Mapping relations described in the intended application account inquiries of at least one target son application of band, determine the accounts information of the intended application account.

In some feasible embodiments, during the use that mobile phone electronic is applied, user can be updated to each using the accounts information of account, including addition fresh information, either delete information or change information etc., be not limited herein.Specifically, user can select corresponding option of operation (for example on the user interface that mobile phone electronic is applied, intended application account is chosen, and selects the option of operation such as information updating), the more new command of accounts information is sent using the management module of corresponding virtual card to mobile phone electronic.Management module is received after above-mentioned more new command, then can be according to the above-mentioned mapping relations of intended application account inquiries carried in above-mentioned more new command, the accounts information of above-mentioned intended application account is determined, and then, above-mentioned accounts information can be modified or deleted etc. updates operation.

For example, user can select an electronic cash account in mobile wallet, and pass through the bank card main account belonging to electronic cash account, either the bank card main account of electronic cash account signing binding carries out the bank card main account that circle is deposited or carried the remaining sum circle of electronic cash account to its affiliated bank card main account or its binding.Specifically, user can choose target electronic cash account (such as electronic cash account 1) in the user interface of mobile wallet, remaining sum circle is chosen to deposit again, the mobile wallet of triggering can send the more new command of the remaining sum of electronic cash account 1 to virtual card management module.After the more new command for the remaining sum that virtual card management module receives above-mentioned electronic cash account 1, then above-mentioned mapping table can be inquired about according to above-mentioned electronic cash account 1, determine the accounts information of above-mentioned electronic cash account 1, including：Affiliated bank, card number or balance amount information etc., and then the circle that can be selected according to user deposits the information such as the remaining sum of amount of money renewal electronic cash account 1.

S407, goal displacement size of data is obtained according to the more new route carried in the user operation instruction, and the transfer data amount of the intended application account is changed according to the goal displacement size of data.

In some feasible embodiments, user trigger management module from mobile phone to virtual card send more new command when, the more new route that can be also updated the data by above-mentioned more new command to management module transmission, interpolation data corresponding management mode of operation, including more new route can be updated in above-mentioned more new command.For example, more new route is selected from the user interface that mobile phone electronic is applied, or more new route is added in relevant position in user interface.Above-mentioned more new route can be carried and virtual card management module is sent in more new command by mobile phone electronic application.Virtual card management module can obtain updating the data for intended application account according to the more new route carried in more new command, and then can update the accounts information of the intended application account recorded in mapping table according to above-mentioned update the data.For example, when user deposits to electronic cash account progress circle, selection can enclose the bank information deposited on the user interface of mobile wallet, that is, enclose and deposit path.If being specified in mobile wallet without binding Bank, then can fill in bank information in the user interface of mobile wallet, be deposited with carrying out circle to electronic cash account by above-mentioned bank.Mobile wallet is received after above-mentioned circle deposits instruction, and the AID such as the card number of above-mentioned bank card can be sent to virtual card management module, also with information such as the AID of bank card Transaction Information (such as circle deposits the amount of money) can be sent into virtual card management module.Virtual card management module is received after the AID and Transaction Information of above-mentioned bank card, then the remaining sum of the information such as amount of money change electronic cash account 1 can be deposited according to above-mentioned circle, realizes and the circle of the remaining sum of electronic cash account 1 is deposited.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.When user selects to be updated some using the accounts information of account, can by the corresponding management module of virtual card according to the intended application account inquiries carried in renewal each using the identification information of account and virtual card mapping relations, lookup obtains intended application account, updates the accounts information of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, it the management such as can also be updated to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the 5th embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 5.The method of accounts information management provided in an embodiment of the present invention, including step：

S501, the publisher applied to the terminal electronic sends the request of opening of virtual card, receives the publisher according to the identification information for opening the virtual card that request is returned.

S502, receives user's mark of user's input, the administration authority for activating the virtual card is identified according to the user.

S503, receives the user profile of user's input, the AID of the virtual card is associated with the user profile.

S504, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table by S505.

In some feasible embodiments, each above-mentioned step described in the embodiment of the present invention, implementation including step S501-S505 is identical with the implementation described by each step in above-mentioned second embodiment, process is implemented reference can be made to step S201-S205 in above-mentioned second embodiment, will not be repeated here.

S506, sets the transfer priority of the transfer data of the application account of each sub- application in the mapping table, and the transfer priority is added into the mapping table.

In some feasible embodiments, mobile phone electronic applies the identification information of the application account for applying each height and its accounts information and virtual card to set up mapping relations, and be stored as each after mapping table using the mapping relations of account and its identification information of accounts information and virtual card, it can also set the transfer priority of the transfer data of the application account of each height application in above-mentioned mapping table.Further, above-mentioned transfer priority can be also stored into above-mentioned mapping table, the mapping table comprising above-mentioned transfer priority is stored to the data storage path of virtual card.In embodiments of the present invention, when above-mentioned transfer priority is used to indicate the transfer data of the above-mentioned mobile phone electronic application of transfer, the selecting sequence of user's transfer data to be shifted is selected in the accounts information of the application account of each height application from above-mentioned mapping table.When the user interface that user is applied by mobile phone electronic sends the transfer instruction of transfer data to the management module of virtual card, and intended application account is not carried in above-mentioned transfer instruction, the management module of virtual card then can be according to above-mentioned transfer priority, selection transfer highest priority or most low application account from above-mentioned mapping table, select to specify data to be shifted from the transfer data of above-mentioned application account.

For example, user can set the payment priority of the remaining sum of each electronic cash account in PPSE, and store the payment priority of the remaining sum of each above-mentioned electronic cash account into above-mentioned mapping table, the payment priority of the remaining sum of each above-mentioned electronic cash account is stored to the management platform of the operator belonging to virtual card together with other accounts informations.Wherein, when the payment priority of the remaining sum of each above-mentioned electronic cash account is used for instruction user using above-mentioned mobile wallet progress payment transaction, when mobile wallet deducts payment from each electronic cash account that its virtual card is associated, the order for selecting each electronic cash account to be paid.Virtual card management module can set the payment order of each electronic cash account in movement wallet according to above-mentioned payment priority, for example, paying the liquidation expenses are to be paid,as a matter of priority of the electronic cash account of highest priority, pay the finally payment etc. of the minimum electronic cash account of priority.For example, when user sets the payment highest priority of electronic cash account 1, the payment priority of electronic cash account 2 is taken second place, when the payment priority of electronic cash account 3 is minimum, when the mobile wallet of user's selection is paid, mobile wallet can select electronic cash account 1 to be paid first.If electronic cash account 1 pays failure, electronic cash account 2 may be selected and is paid.If electronic cash account 2 pays failure, electronic cash account 3 may be selected and is paid, by that analogy.

S507, when receiving the user operation instruction using account, according to the transfer priority, searches the application account for the son application for obtaining the transfer highest priority from the mapping table.

In some feasible embodiments, user can mobile phone electronic apply user interface on selected target application account, and the diversion option of data transfer is selected on user interface, transfer instruction is sent using to the management module of virtual card to trigger mobile phone electronic, to carry out data transfer to the accounts information of intended application account.Or, mobile phone electronic application to the management module of virtual card can send transfer instruction by the terminal that is interacted with mobile phone, to carry out data transfer to the accounts information of intended application account.When the management module of virtual card receives the transfer instruction of the accounts information of above-mentioned application account, can be according to the transfer priority recorded in above-mentioned mapping table, the application account for obtaining shifting highest priority is searched from above-mentioned mapping table, and then the transfer data of above-mentioned application account can be shifted.For example, when user carries out a certain delivery operation by mobile wallet, corresponding option of operation can be selected in mobile wallet, payment instruction is sent to virtual card management module to trigger mobile wallet.Or, as user by POS come brush mobile phone, mobile phone is acquired after the interactive information with POS, and the management module (such as operator's management platform) that can trigger mobile phone movement wallet sends payment instruction to virtual card management module.Virtual card management module is acquired after payment instruction, the electronic cash account (such as electronic cash account 1) that inquiry in the corresponding data storage path of virtual card, the mapping table stored from above-mentioned store path gets paid highest priority can then be inquired about.

S508, deducts the corresponding goal displacement size of data of specified size of data carried in the transfer instruction from the transfer data amount of the application account of the transfer highest priority.

In some feasible embodiments, the management module of virtual card is searched from mapping table after the application account for obtaining shifting highest priority, the corresponding goal displacement size of data of the specified size of data carried in above-mentioned transfer instruction can be then deducted from above-mentioned application account, above-mentioned goal displacement size of data is shifted.For example, virtual card management module is searched from above-mentioned mapping table get paid the electronic cash account (such as electronic cash account 1) of highest priority after, the payment size identical amount of money with being carried in payment instruction can be deducted from above-mentioned electronic cash account 1, this delivery operation is completed.If electronic cash account 1 pays failure, it can be searched from above-mentioned mapping table and get paid electronic cash account (such as electronic cash account 2) of the priority after electronic cash account 1 and paid.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then can be by the accounts information and virtual card with all application accounts of user information correlation Identification information set up mapping relations, each is associated using the accounts information and the identification information of virtual card of account, further, each can be managed using the accounts information of account by virtual card.When some that user is managed virtual card is shifted using the transfer data of account, the corresponding management module of virtual card inquires about each using account and the mapping relations of the identification information of virtual card according to transfer instruction, lookup obtains intended application account, and the transfer data of selection target transfer size of data are shifted from the transfer data of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, also the transfer data of intended application account can be carried out the management such as shifting, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the sixth embodiment schematic flow sheet of the method for accounts information management provided in an embodiment of the present invention referring to Fig. 6.The method of accounts information management provided in an embodiment of the present invention, including step：

S601, the publisher applied to the terminal electronic sends the request of opening of virtual card, receives the publisher according to the identification information for opening the virtual card that request is returned.

S602, receives user's mark of user's input, the administration authority for activating the virtual card is identified according to the user.

S603, receives the user profile of user's input, the AID of the virtual card is associated with the user profile.

S604, obtains the application account of all sub- applications loaded in the electronic application, and the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations.

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table by S605.

In some feasible embodiments, each above-mentioned step described in the embodiment of the present invention, implementation including step S601-S605 is identical with the implementation described by each step in above-mentioned second embodiment, process is implemented reference can be made to step S201-S205 in above-mentioned second embodiment, will not be repeated here.

S606, sets the transition rule of the transfer data of the application account for each sub- application that the mapping table is included, and the transition rule is added into the mapping table.

In some feasible embodiments, mobile phone electronic is applied sets up mapping relations by each using the identification information of account and its accounts information and virtual card, and be stored as each after mapping table using the mapping relations of account and its identification information of accounts information and virtual card, it can also set transition rule of each in above-mentioned mapping table using the transfer data of account.Further, above-mentioned transition rule can also be stored to In above-mentioned mapping table, the mapping table comprising above-mentioned transition rule is stored to the data storage path of virtual card.In embodiments of the present invention, above-mentioned transition rule is, when the transfer data amount of the application account of any sub- application in above-mentioned mapping table is more than or equal to the size of goal displacement data, above-mentioned goal displacement size of data is deducted from the transfer data amount of the application account of above-mentioned sub- application.

When the user interface that user is applied by mobile phone electronic sends the transfer instruction of transfer data to the management module of virtual card, and intended application account is not carried in above-mentioned transfer instruction, the management module of virtual card then can be according to above-mentioned transition rule, the goal displacement size of data carried in Conjugative tiansfer instruction selector from above-mentioned mapping table closes the intended application account for the target son application for stating transition rule, and goal displacement data are deducted from the transfer data amount of above-mentioned intended application account.

For example, user can set the payment rule of the remaining sum of each electronic cash account in PPSE, and store the payment rule of the remaining sum of each above-mentioned electronic cash account into above-mentioned mapping table, the payment rule of the remaining sum of each above-mentioned electronic cash account is stored to the management platform of the operator belonging to virtual card together with other accounts informations.Wherein, when the payment rule of the remaining sum of each above-mentioned electronic cash account is used for instruction user using above-mentioned mobile wallet progress payment transaction, when mobile wallet deducts payment from each electronic cash account that its virtual card is associated, the rule for selecting each electronic cash account to be paid.Virtual card management module can set the payment rule of each electronic cash account in mobile wallet according to above-mentioned payment rule, for example, according to the tandem of each electronic cash account recorded in mapping table, matched since first electronic cash account, when the remaining sum of electronic cash account is more than or equal to amount of money size specified in delivery operation, paid etc. using the electronic cash account.For example, virtual card management module can be matched since above-mentioned mapping table first electronic cash account (the electronic cash account 1 in such as table 1), if the remaining sum of electronic cash account 1 is more than or equal to as defined in delivery operation during amount of money size, then paid using electronic cash account 1, otherwise, then the amount of money of electronic cash account 2 is matched with the amount of money as defined in delivery operation.If the remaining sum of electronic cash account 2 is more than or equal to as defined in delivery operation during amount of money size, is paid, otherwise, then matched the amount of money of electronic cash account 3 with the amount of money as defined in delivery operation, by that analogy using electronic cash account 2.

S607, when receiving the user operation instruction using account, the goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched.

S608, when the transfer data amount of any application account in the mapping table is more than or equal to the goal displacement size of data, is deducted and institute from the transfer data amount of the application account State goal displacement size of data identical transfer data amount.

In some feasible embodiments, user can mobile phone electronic apply user interface on selected target application account, and the diversion option of data transfer is selected on user interface, transfer instruction is sent using to the management module of virtual card to trigger mobile phone electronic, to carry out data transfer to the accounts information of intended application account.Or, mobile phone electronic application to the management module of virtual card can send transfer instruction by the terminal that is interacted with mobile phone, to carry out data transfer to the accounts information of intended application account.When the management module of virtual card receives the transfer instruction of the accounts information of above-mentioned application account, it may be determined that the goal displacement size of data carried in above-mentioned transfer instruction, above-mentioned mapping table is inquired about according to above-mentioned goal displacement size of data.Specifically, above-mentioned goal displacement size of data can be matched with each in mapping table using the transfer data amount of account, searched from above-mentioned mapping table and obtain intended application account, and then the deduction goal displacement data from the transfer data amount of above-mentioned intended application account.

For example, when user carries out a certain delivery operation by mobile wallet, corresponding option of operation can be selected in mobile wallet, payment instruction is sent to virtual card management module to trigger mobile wallet.Or, as user by POS come brush mobile phone, mobile phone is acquired after the interactive information with POS, and the management module (such as operator's management platform) that can trigger mobile phone movement wallet sends payment instruction to virtual card management module.Virtual card management module is acquired after payment instruction, it then can determine that the payment size carried in above-mentioned payment instruction, above-mentioned payment size is matched with the remaining sum of the electronic cash account of each in mapping table, inquiry obtains target electronic cash account (such as electronic cash account 1) from above-mentioned mapping table.

In some feasible embodiments, the management module of virtual card is searched from mapping table and obtains intended application account, that is the transfer data amount of application account is more than or equal to after goal displacement size of data, then the corresponding transfer data of above-mentioned goal displacement size of data can be deducted from above-mentioned intended application account.For example, virtual card management module is searched from above-mentioned mapping table to be obtained the amount of money and is more than after the electronic cash account (such as electronic cash account 1) of payment specified in delivery operation, the payment size identical amount of money with being carried in payment instruction can be deducted from above-mentioned electronic cash account 1, this delivery operation is completed.If electronic cash account 1 pay failure, can be searched from above-mentioned mapping table obtain next amount of money be more than payment size electronic cash account (such as electronic cash account 2) paid.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then can be by the accounts information and virtual card with all application accounts of user information correlation Identification information set up mapping relations, each is associated using the accounts information and the identification information of virtual card of account, further, each can be managed using the accounts information of account by virtual card.When user shifts to the transfer data of application account, the mapping relations of each identification information for applying account and virtual card can be inquired about according to transfer instruction by the corresponding management module of virtual card, the intended application account for obtaining meeting transition rule is searched, goal displacement data are deducted from the transfer data amount of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, can also the management such as data transfer be carried out to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the first embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention referring to Fig. 7.The device of accounts information management provided in an embodiment of the present invention, including：

The identification information of the virtual card and the user profile of the electronic application are associated by starting module 10, the virtual card of the electronic application for enabling terminal.

Mapping block 20, the application account for obtaining all sub- applications loaded in the electronic application that the starting module starts, mapping relations are set up by the identification information of the application account and its accounts information of each sub- application and the virtual card.

Enquiry module 30, for when receiving the user operation instruction using account, the mapping relations that the mapping block according to the intended application account inquiries of at least one target son application carried in the user operation instruction is set up, determine the accounts information of the intended application account.

Processing module 40, the accounts information of the intended application account for being inquired about according to the management mode of operation carried in the user operation instruction the enquiry module is managed.

In some feasible embodiments, the device of accounts information management provided in an embodiment of the present invention, the concretely mobile phone described by the embodiment of the present invention, the terminals such as computer, or the specific functional modules in the terminal such as mobile phone or computer, virtual card management module such as described in the embodiment of the present invention, it is not limited herein, virtual card management module described by above-described embodiment can be the operational blocks which partition system in the device of the management of the accounts information described in the embodiment of the present invention, the action that modules are performed in the device that can be specifically managed according to management module and accounts information is determined, it is not limited herein.

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can pass through its each functional module (including starting module, mapping mould Block, enquiry module and processing module) implementation described in the method for above-mentioned accounts information management is performed, process is implemented reference can be made to implementation described in the first embodiment of the method for above-mentioned accounts information management, will not be repeated here.

In embodiments of the present invention, mobile phone can enable the virtual card of mobile phone electronic application, the virtual card that mobile phone electronic is applied is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, and then each can be inquired about using the accounts information of account by virtual card, managed.When receiving the user operation instruction using the accounts information of account, each can be inquired about according to user operation instruction using account and the mapping relations of the identification information of virtual card, lookup obtains intended application account, and then intended application account is managed according to user operation instruction.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class is managed collectively, and improve the flexibility of accounts information management, enhance the Consumer's Experience of terminal electronic application.

It is the second embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention referring to Fig. 8.Device provided in an embodiment of the present invention, including：

The identification information of the virtual card and the user profile of the electronic application are associated by starting module 50, the virtual card of the electronic application for enabling terminal.

Processing module 80, the accounts information of the intended application account for being inquired about according to the management mode of operation carried in the user operation instruction the enquiry module is managed.

In some feasible embodiments, above-mentioned starting module 50 can perform the implementation of the starting module 10 described in above-described embodiment, can also carry out following operation：

Specifically, above-mentioned starting module 50 includes：

Unit 51 is activated, user's mark for receiving user's input identifies the administration authority for activating the virtual card according to the user；

Associative cell 52, the user profile for receiving user's input, the AID of the virtual card is associated with the user profile；

In some feasible embodiments, the device described in the embodiment of the present invention also includes：

Memory module 70, the mapping relations for the mapping block to be set up to the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table.

In some feasible embodiments, above-mentioned mapping block 20 is additionally operable to：

In some feasible embodiments, above-mentioned processing module 80 can perform the implementation performed by the processing module 40 described in above-described embodiment, can also carry out following operation：

When above-mentioned user operation instruction is query statement, above-mentioned processing module 80, specifically for：

The query interface provided according to the virtual card, inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults.

In some feasible embodiments, the device of accounts information management provided in an embodiment of the present invention, the concretely mobile phone described by the embodiment of the present invention, the terminals such as computer, or the specific functional modules in the terminal such as mobile phone or computer, virtual card management module such as described in the embodiment of the present invention, it is not limited herein, the management module of virtual card described by above-described embodiment can be the operational blocks which partition system in the device of the management of the accounts information described in the embodiment of the present invention, the action that modules are performed in the device that can be specifically managed according to management module and accounts information is determined, it is not limited herein.

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can perform the implementation described in the method that above-mentioned accounts information is managed by its each functional module (including starting module, mapping block, memory module, enquiry module and processing module), implement process reference can be made to each in the second embodiment of the method for above-mentioned accounts information management Implementation described by individual step, will not be repeated here.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be inquired about using the accounts information of account by virtual card.When receiving the query statement using the accounts information of account, each can be inquired about according to query statement using account and the mapping relations of the identification information of virtual card, lookup obtains intended application account, inquire about each accounts information for applying account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class is managed collectively, and improve the flexibility of accounts information management, enhance the Consumer's Experience of terminal electronic application.

It is the 3rd embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention referring to Fig. 9.Device provided in an embodiment of the present invention includes：Starting module 50, mapping block 20, enquiry module 30 and memory module 70 described in above-mentioned second embodiment, will not be repeated here.

Further, in addition to：Processing module 81；

In some feasible embodiments, the processing module 81 described in the embodiment of the present invention can perform the implementation performed by the processing module 80 described in above-mentioned second embodiment, further, can also carry out following operation：

Above-mentioned processing module 81, specifically for：

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can perform the implementation described in the method that above-mentioned accounts information is managed by its each functional module (including starting module, mapping block, memory module, enquiry module and processing module), process is implemented reference can be made to implementation in the 3rd embodiment of the method for above-mentioned accounts information management described by each step, will not be repeated here.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.When user's selection removes the accounts information that some applies account, each can be inquired about according to query statement using account and the mapping relations of the identification information of virtual card, lookup obtains intended application account, by the accounts information deletion of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, can also the management such as transfer processing or deletion be carried out to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the fourth embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention referring to Figure 10.Device provided in an embodiment of the present invention, including：Starting module 50, mapping block 20, enquiry module 30 and memory module 70 described in above-mentioned second embodiment, will not be repeated here.

Further, in addition to：Processing module 82；

In some feasible embodiments, the processing module 82 described in the embodiment of the present invention can perform the implementation performed by the processing module 80 described in above-mentioned second embodiment, further, can also carry out following operation：

Above-mentioned processing module 82, specifically for：

In some feasible embodiments, the device of accounts information provided in an embodiment of the present invention management, in the terminal such as mobile phone, computer concretely described by the embodiment of the present invention, or the terminal such as mobile phone or computer Specific functional modules, virtual card management module such as described in the embodiment of the present invention, it is not limited herein, virtual card management module described by above-described embodiment can be the operational blocks which partition system in the device of the management of the accounts information described in the embodiment of the present invention, the action that modules are performed in the device that can be specifically managed according to management module and accounts information is determined, is not limited herein.

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can perform the implementation described in the method that above-mentioned accounts information is managed by its each functional module (including starting module, mapping block, memory module, enquiry module and processing module), process is implemented reference can be made to implementation in the fourth embodiment of the method for above-mentioned accounts information management described by each step, will not be repeated here.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.When user selects to be updated some using the accounts information of account, can according to the intended application account inquiries carried in more new command each using the identification information of account and virtual card mapping relations, lookup obtains intended application account, updates the accounts information of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, it the management such as can also be updated to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the 5th example structure schematic diagram of the device of accounts information management provided in an embodiment of the present invention referring to Figure 11.Device provided in an embodiment of the present invention, including：Starting module 50, mapping block 20 and memory module 70 described in above-mentioned second embodiment, will not be repeated here.

Further, in addition to：Enquiry module 31, setup module 90 and processing module 83.

In some feasible embodiments, the enquiry module 31 described in the embodiment of the present invention can perform the implementation performed by the enquiry module 30 described in above-mentioned second embodiment, further, can also carry out following operation：

According to the transfer priority, searched from the mapping table and obtain the transfer highest priority Son application application account.

In some feasible embodiments, the processing module 83 described in the embodiment of the present invention can perform the implementation performed by the processing module 80 described in above-mentioned second embodiment, further, can also carry out following operation：

The corresponding goal displacement size of data of specified size of data carried in the transfer instruction is deducted in the transfer data amount for the application account that the obtained transfer highest priority is inquired about from the enquiry module.

In some feasible embodiments, the transfer priority is added to the mapping table by above-mentioned setup module 90, the transfer priority of the transfer data of the application account for setting the sub- application of each in the mapping table；

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can perform the implementation described in the method that above-mentioned accounts information is managed by its each functional module (including starting module, mapping block, memory module, enquiry module, setup module and processing module), process is implemented reference can be made to implementation in the 5th embodiment of the method for above-mentioned accounts information management described by each step, will not be repeated here.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.The corresponding management of virtual card when some that user is managed virtual card is shifted using the transfer data of account Module inquires about each using account and the mapping relations of the identification information of virtual card according to transfer instruction, and lookup obtains intended application account, and the transfer data of selection target transfer size of data are shifted from the transfer data of intended application account.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, also the transfer data of intended application account can be carried out the management such as shifting, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the sixth embodiment structural representation of the device of accounts information management provided in an embodiment of the present invention referring to Figure 12.Device provided in an embodiment of the present invention, including：Starting module 50, mapping block 20 and memory module 70 described in above-mentioned second embodiment, will not be repeated here.

Further, in addition to：Enquiry module 32, setup module 91 and processing module 84.

In some feasible embodiments, the enquiry module 32 described in the embodiment of the present invention can perform the implementation performed by enquiry module 30 or enquiry module 31 described in above-described embodiment, further, can also carry out following operation：

The goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched.

In some feasible embodiments, the processing module 83 described in the embodiment of the present invention can perform the implementation performed by the processing module 80 described in above-described embodiment, further, can also carry out following operation：

In some feasible embodiments, the setup module 91 described in the embodiment of the present invention can perform the implementation performed by the setup module 91 described in above-described embodiment, further, can also carry out following operation：

Set the transition rule of the transfer data of the application account of each in the mapping table；

The transition rule is added to the mapping table by above-mentioned memory module 70, the transition rule of the transfer data of the application account for setting each sub- application that the mapping table is included；

Implementation in the method that the accounts information that the device of accounts information management provided in an embodiment of the present invention can perform embodiments of the present invention offer is managed described by each step.Specifically, the device of accounts information management described by the embodiment of the present invention can perform the implementation described in the method that above-mentioned accounts information is managed by its each functional module (including starting module, mapping block, memory module, enquiry module, setup module and processing module), process is implemented reference can be made to implementation in the sixth embodiment of the method for above-mentioned accounts information management described by each step, will not be repeated here.

In embodiments of the present invention, the management platform that mobile phone can be applied to mobile phone electronic opens virtual card, the administration authority of the virtual card of activation, the virtual card for being applied mobile phone electronic by the administration authority of virtual card is associated with user profile, and then the accounts information of all application accounts and the identification information of virtual card with user information correlation can be set up mapping relations, each is associated using the accounts information of account and the identification information of virtual card, further, each can be managed using the accounts information of account by virtual card.When user shifts to the transfer data of application account, the mapping relations of each identification information for applying account and virtual card can be inquired about according to transfer instruction by the corresponding management module of virtual card, the intended application account for obtaining meeting transition rule is searched, the transfer data of intended application account are shifted.The embodiment of the present invention can realize that the accounts information of multiple application accounts of the same user applied to same class carries out unified query, can also the management such as data transfer be carried out to the accounts information of intended application account, the flexibility of accounts information management is improved, the Consumer's Experience of terminal electronic application is enhanced.

It is the example structure schematic diagram of terminal provided in an embodiment of the present invention referring to Figure 13.Terminal provided in an embodiment of the present invention may include：Receiver 1000, processor 2000, memory 3000 and transmitter 4000.Wherein, above-mentioned receiver 1000, processor 2000, memory 3000 and generator 4000 are connected by bus 5000.

The memory 3000, for store program codes；

The processor 2000 is used to call the described program code stored in the memory 3000, performs Following operation：

In some feasible embodiments, above-mentioned processor 2000 is additionally operable to：

In some feasible embodiments, the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.

In some feasible embodiments, the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.

In some feasible embodiments, the management mode of operation carried in the user operation instruction is data query；

The processor 2000 specifically for：

In some feasible embodiments, the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is removed for data；

The processor 2000 specifically for：

In some feasible embodiments, the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is updated for data；

The processor 2000 specifically for：

In some feasible embodiments, above-mentioned memory 3000 is additionally operable to：

In some feasible embodiments, the transfer data amount of the application account is included in the accounts information of the application account；

The processor 2000 is additionally operable to：

In some feasible embodiments, the management mode of operation carried in the user operation instruction shifts for data；

The processor 2000 is additionally operable to：

In some feasible embodiments, the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

In some feasible embodiments, the processor 2000 specifically for：

In the specific implementation, the physical manifestation for the device that terminal described by the embodiment of the present invention can manage for accounts information provided in an embodiment of the present invention, the concretely terminal such as mobile phone or computer.Terminal described in the embodiment of the present invention can perform the first embodiment of the method for accounts information provided in an embodiment of the present invention management to the implementation described in sixth embodiment.Terminal described in the embodiment of the present invention can be by it The modules such as generator, receiver, memory and processor realize the management of accounts information, it implements process reference can be made to implementation of the first embodiment into sixth embodiment described by each step of the method for accounts information provided in an embodiment of the present invention management, will not be repeated here.

One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, computer program is can be by instruct the hardware of correlation to complete, described program can be stored in computer read/write memory medium, the program is upon execution, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, described storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory (Random Access Memory, RAM) etc..

Above disclosure is only preferred embodiment of present invention, can not limit the interest field of the present invention, therefore the equivalent variations made according to the claims in the present invention with this certainly, still belongs to the scope that the present invention is covered.

Claims

A kind of method of accounts information management, it is characterised in that including：

The virtual card of the electronic application of terminal is enabled, the identification information of the virtual card and the user profile of the electronic application are associated；

The application account of all sub- applications loaded in the electronic application is obtained, the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations；

When receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account；

The accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction.
The method as described in claim 1, it is characterised in that the virtual card of the electronic application for enabling terminal, after the user profile of the identification information of the virtual card and the electronic application is associated, methods described also includes：

When the electronic application for detecting the terminal, which is loaded with new son, to be applied, the application account of the new sub- application is obtained；

The accounts information of the new sub- application is obtained, the identification information of the application account and accounts information of the new sub- application and the virtual card is set up into mapping relations.
Method as claimed in claim 1 or 2, it is characterised in that the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.
Method as claimed in claim 3, it is characterised in that the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.
Method as claimed in claim 4, it is characterised in that carried in the user operation instruction Management mode of operation is data query；

It is described that the accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction, including：

The query interface provided according to the virtual card, inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults；

Wherein, the accounts information of the intended application account of the inquiry includes：Shift at least one of data amount, the title of sub- Application issuance side and data transfer record.
Method as claimed in claim 4, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is removed for data；

It is described that the accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction, including：

According to the transfer path carried in the user operation instruction, the transfer data amount of the intended application account is transferred to the application account of the corresponding specified sub- application of the transfer path；

Delete the application account of the target application and its mapping relations of accounts information and the identification information of the virtual card.
Method as claimed in claim 4, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is updated for data；

It is described that the accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction, including：

Goal displacement size of data is obtained according to the more new route carried in the user operation instruction, the transfer data amount of the intended application account is changed according to the goal displacement size of data.
Method as described in claim any one of 5-7, it is characterised in that the application account and its accounts information by each sub- application and the identification information of the virtual card are set up after mapping relations, and methods described also includes：

By the identification information of the application account and its accounts information of each sub- application and the virtual card Mapping relations are stored as mapping table.
Method as claimed in claim 8, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

The application account and its accounts information by each sub- application and the mapping relations of the identification information of the virtual card are stored as after mapping table, and methods described also includes：

The transfer priority of the transfer data of the application account of the sub- application of each in the mapping table is set, the transfer priority is added to the mapping table；

Wherein, when the transfer priority is used to indicate the transfer data of the transfer electronic application, the selecting sequence of the goal displacement data is selected in the transfer data of the application account of each the sub- application included from the mapping table.
Method as claimed in claim 9, it is characterised in that the management mode of operation carried in the user operation instruction shifts for data；

It is described when receiving the user operation instruction using account, methods described also includes：

According to the transfer priority, the application account for the son application for obtaining the transfer highest priority is searched from the mapping table；

The corresponding goal displacement size of data of specified size of data carried in the transfer instruction is deducted from the transfer data amount of the application account of the transfer highest priority.
Method as claimed in claim 8, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

The application account and its accounts information by each sub- application and the mapping relations of the identification information of the virtual card are stored as after mapping table, and methods described also includes：

The transition rule of the transfer data of the application account for each sub- application that the mapping table is included is set, the transition rule is added to the mapping table；

Wherein, the transition rule is specially：When the transfer data amount of the application account of any sub- application in the mapping table is more than or equal to goal displacement size of data, the goal displacement size of data is deducted from the transfer data amount of the application account of the sub- application.
Method as claimed in claim 11, it is characterised in that the management mode of operation carried in the user operation instruction shifts for data；

It is described when receiving the user operation instruction using account, methods described also includes：

The goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched；

When the transfer data amount of any application account in the mapping table is more than or equal to the goal displacement size of data, is deducted from the transfer data amount of the application account and shift data amount with the goal displacement size of data identical.
Method as described in claim any one of 1-12, it is characterised in that the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

The identification information of the virtual card of the electronic application is specially：The application identities AID, the AID of the virtual card are used for virtual card described in unique mark.
Method as claimed in claim 13, it is characterised in that the virtual card for enabling terminal electronic application, the identification information of the virtual card and the user profile of the electronic application are associated, including：

User's mark of user's input is received, the administration authority for activating the virtual card is identified according to the user；

The user profile of user's input is received, the AID of the virtual card is associated with the user profile；

Wherein, user's mark includes：At least one of user's name, user's pet name, and user identity card number；

The user profile includes：At least one of communication mode, birthday, former name, native place, residence, or the personal identification number of the management account of user setting, password protection problem.
A kind of device of accounts information management, it is characterised in that including：

The identification information of the virtual card and the user profile of the electronic application are associated by starting module, the virtual card of the electronic application for enabling terminal；

Mapping block, all sons loaded for obtaining in the electronic application that the starting module starts should Application account, mapping relations are set up by the identification information of the application account and its accounts information of each sub- application and the virtual card；

Enquiry module, for when receiving the user operation instruction using account, the mapping relations that the mapping block according to the intended application account inquiries of at least one target son application carried in the user operation instruction is set up, determine the accounts information of the intended application account；

Processing module, the accounts information of the intended application account for being inquired about according to the management mode of operation carried in the user operation instruction the enquiry module is managed.
Device as claimed in claim 15, it is characterised in that the mapping block is additionally operable to：

When the electronic application for detecting the terminal is loaded with new son and applied, the application account of the new sub- application is obtained；

The accounts information of the new sub- application is obtained, the identification information of the application account and accounts information of the new sub- application and the virtual card is set up into mapping relations.
Device as described in claim 15 or 16, it is characterised in that the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.
Device as claimed in claim 17, it is characterised in that the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.
Device as claimed in claim 18, it is characterised in that the management mode of operation carried in the user operation instruction is data query；

The processing module, specifically for：

The query interface provided according to the virtual card, inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults；

Wherein, the accounts information of the intended application account of the inquiry includes：Shift at least one of data amount, the title of sub- Application issuance side and data transfer record.
Device as claimed in claim 18, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is removed for data；

The processing module specifically for：

According to the transfer path carried in the user operation instruction, the transfer data amount of the intended application account is transferred to the application account of the corresponding specified sub- application of the transfer path；

Delete the application account of the target application and its mapping relations of accounts information and the identification information of the virtual card.
Device as claimed in claim 18, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is updated for data；

The processing module specifically for：

Goal displacement size of data is obtained according to the more new route carried in the user operation instruction, the transfer data amount of the intended application account is changed according to the goal displacement size of data.
Device as described in claim any one of 19-21, it is characterised in that described device also includes：

Memory module, the mapping relations for the mapping block to be set up to the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table.
Device as claimed in claim 22, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

Described device also includes：

The transfer priority is added to the mapping table by setup module, the transfer priority of the transfer data of the application account for setting the sub- application of each in the mapping table；

Wherein, when the transfer priority is used to indicate the transfer data of the transfer electronic application, the selecting sequence of the goal displacement data is selected in the transfer data of the application account of each the sub- application included from the mapping table.
Method as claimed in claim 23, it is characterised in that carried in the user operation instruction Management mode of operation be data transfer；

The enquiry module specifically for：

According to the transfer priority, the application account for the son application for obtaining the transfer highest priority is searched from the mapping table；

The processing module specifically for：

The corresponding goal displacement size of data of specified size of data carried in the transfer instruction is deducted from the transfer data amount of the application account of the transfer highest priority.
Device as claimed in claim 22, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

Described device also includes：

The transition rule is added to the mapping table by setup module, the transition rule of the transfer data of the application account for setting each sub- application that the mapping table is included；

Wherein, the transition rule is specially：When the transfer data amount of the application account of any sub- application in the mapping table is more than or equal to goal displacement size of data, the goal displacement size of data is deducted from the transfer data amount of the application account of the sub- application.
Device as claimed in claim 25, it is characterised in that the management mode of operation carried in the user operation instruction shifts for data；

The enquiry module specifically for：

The goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched；

The processing module specifically for：

When the transfer data amount of any application account in the mapping table that the enquiry module is inquired about is more than or equal to the goal displacement size of data, is deducted from the transfer data amount of the application account and shift data amount with the goal displacement size of data identical.
Device as described in claim any one of 15-26, it is characterised in that the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

The identification information of the virtual card of the electronic application is specially：The application identities AID, the AID of the virtual card are used for virtual card described in unique mark.
Device as claimed in claim 27, it is characterised in that the starting module, including：

Unit is activated, user's mark for receiving user's input identifies the administration authority for activating the virtual card according to the user；

Associative cell, the user profile for receiving user's input, the AID of the virtual card is associated with the user profile；

Wherein, user's mark includes：At least one of user's name, user's pet name, and user identity card number；

The user profile includes：At least one of communication mode, birthday, former name, native place, residence, or the personal identification number of the management account of user setting, password protection problem.
A kind of terminal, it is characterised in that including：Receiver, memory and processor；

The memory, for store program codes；

The processor, the described program code stored for calling in the memory performs following operation：

The virtual card of the electronic application of terminal is enabled, the identification information of the virtual card and the user profile of the electronic application are associated；

The application account of all sub- applications loaded in the electronic application is obtained, the identification information of the application account and its accounts information of each sub- application and the virtual card is set up into mapping relations；

When receiving the user operation instruction using account, the mapping relations according to the intended application account inquiries of at least one target son application carried in the user operation instruction determine the accounts information of the intended application account；

The accounts information of the intended application account is managed according to the management mode of operation carried in the user operation instruction.
Terminal as claimed in claim 29, it is characterised in that the processor is additionally operable to：

When the electronic application for detecting the terminal, which is loaded with new son, to be applied, the application account of the new sub- application is obtained；

Obtain the accounts information of the new sub- application, by the application account and accounts information of the new sub- application with The identification information of the virtual card sets up mapping relations.
Terminal as described in claim 29 or 30, it is characterised in that the accounts information of the application account of the sub- application includes：At least one of account number, name on account, account password, transfer data amount, sub- Application issuance side, and hour of log-on.
Terminal as claimed in claim 31, it is characterised in that the management mode of operation carried in the user operation instruction of the application account includes：At least one of data query, data are removed, data update, and data transfer.
Terminal as claimed in claim 32, it is characterised in that the management mode of operation carried in the user operation instruction is data query；

The processor specifically for：

The query interface provided according to the virtual card, inquires about the accounts information of the intended application account, and the accounts information of the intended application account of inquiry is exported to specified display interface, so that user consults；

Wherein, the accounts information of the intended application account of the inquiry includes：Shift at least one of data amount, the title of sub- Application issuance side and data transfer record.
Terminal as claimed in claim 32, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is removed for data；

The processor specifically for：

According to the transfer path carried in the user operation instruction, the transfer data amount of the intended application account is transferred to the application account of the corresponding specified sub- application of the transfer path；

Delete the application account of the target application and its mapping relations of accounts information and the identification information of the virtual card.
Terminal as claimed in claim 32, it is characterised in that the management mode of operation carried in the transfer data amount of the application account, the user operation instruction is included in the accounts information of the application account and is updated for data；

The processor specifically for：

Goal displacement size of data is obtained according to the more new route carried in the user operation instruction, the transfer data amount of the intended application account is changed according to the goal displacement size of data.
Terminal as described in claim any one of 32-35, it is characterised in that the memory is additionally operable to：

The mapping relations of the application account and its accounts information of each sub- application and the identification information of the virtual card are stored as mapping table.
Terminal as claimed in claim 36, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

The processor is additionally operable to：

The transfer priority of the transfer data of the application account of the sub- application of each in the mapping table is set, the transfer priority is added to the mapping table；

Wherein, when the transfer priority is used to indicate the transfer data of the transfer electronic application, the selecting sequence of the goal displacement data is selected in the transfer data of the application account of each the sub- application included from the mapping table.
Terminal as claimed in claim 37, it is characterised in that the management mode of operation carried in the user operation instruction shifts for data；

The processor is additionally operable to：

According to the transfer priority, the application account for the son application for obtaining the transfer highest priority is searched from the mapping table；

The corresponding goal displacement size of data of specified size of data carried in the transfer instruction is deducted from the transfer data amount of the application account of the transfer highest priority.
Terminal as claimed in claim 36, it is characterised in that the transfer data amount of the application account is included in the accounts information of the application account；

The processor is additionally operable to：

Set turn of the transfer data of the application account for each sub- application that the mapping table is included Rule is moved, the transition rule is added to the mapping table；

Wherein, the transition rule is specially：When the transfer data amount of the application account of any sub- application in the mapping table is more than or equal to goal displacement size of data, the goal displacement size of data is deducted from the transfer data amount of the application account of the sub- application.
Terminal as claimed in claim 39, it is characterised in that the management mode of operation carried in the user operation instruction shifts for data；

The processor is additionally operable to：

The goal displacement size of data carried in the user operation instruction is determined, the transfer data amount of the goal displacement size of data and each in the mapping table application account is matched；

When the transfer data amount of any application account in the mapping table is more than or equal to the goal displacement size of data, is deducted from the transfer data amount of the application account and shift data amount with the goal displacement size of data identical.
Terminal as described in claim any one of 29-40, it is characterised in that the electronic application includes：Electronic application in electronic application on social network services SNS platform, or wireless near field communication NFC platforms；

The identification information of the virtual card of the electronic application is specially：The application identities AID, the AID of the virtual card are used for virtual card described in unique mark.
Terminal as claimed in claim 41, it is characterised in that the processor specifically for：

User's mark of user's input is received, the administration authority for activating the virtual card is identified according to the user；

The user profile of user's input is received, the AID of the virtual card is associated with the user profile；

Wherein, user's mark includes：At least one of user's name, user's pet name, and user identity card number；

The user profile includes：At least one of communication mode, birthday, former name, native place, residence, or the personal identification number of the management account of user setting, password protection problem.