CN106127463A

CN106127463A - One is transferred accounts control method and terminal unit

Info

Publication number: CN106127463A
Application number: CN201610516544.2A
Authority: CN
Inventors: 梁文栋
Original assignee: Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Current assignee: Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
Priority date: 2016-06-30
Filing date: 2016-06-30
Publication date: 2016-11-16
Anticipated expiration: 2036-06-30
Also published as: CN106127463B

Abstract

The embodiment of the invention discloses one to transfer accounts control method and terminal unit, method therein includes: detect user by the Net silver of terminal unit transfer accounts function request produce with reference to the amount of money from target bank card time, it is judged that with reference to the amount of money whether more than preset cost；If being more than, then obtain the type I information associated with target bank card and the Equations of The Second Kind information of the current number-associated of networking with terminal unit；According to type I information and Equations of The Second Kind information, determine that target is to account duration and target to the account amount of money；Transmission carries target and is producing the target in target bank card after target to account duration to the account amount of money to account duration and target to the transfer request message of the account amount of money, instruction banking system.The embodiment of the invention also discloses corresponding terminal unit.The technical scheme that the embodiment of the present invention provides, it can be avoided that the unrestricted Instant Transfer of internet bank function, is conducive to improving reviewed to the duration that wholesale is transferred accounts, the probability improve illicit money location, recovering, promotes account transfer safety.

Description

One is transferred accounts control method and terminal unit

Technical field

The present invention relates to the communications field, be specifically related to one and transfer accounts control method and terminal unit.

Background technology

The major reason that present telecommunication fraud is very rampant is commonly using of bank card and Net silver, offender The bank card that often people's identity card of some remote districts of purchase is done is as the gathering account number of swindle, even if the police have caught gathering The reality of account number everyone, also cannot follow the trail of again because hold gathering account number everyone oneself have no ability to undertake at all Oneself lend the consequence that personal information is brought, cause actual swindler just can use others' name with the lowest cost and use net The instrument transfer swindle funds such as silver.

Owing to swindle molecule informs that during swindle the shroff account number of victim is the account bought, so victim exists After money is proceeded to shroff account number, swindle molecule is badly in need of fast transfer illicit money so that illicit money flow to produce rapidly from shroff account number and Become to be difficult to track and localization, the method that swindle molecule often uses Net silver etc, but the people of the information that gives myself away is the most basic Net silver will not be used.

The address list blacklist function of some application at present, it is possible to obtain by application server anti-by gathering a large number of users The possible swindle number that feedforward information marks, and when user mobile phone receives the incoming call requests of labeled number, eject warning Message may be as fraudulent call with prompting user of incoming call, and note situation is also similar.

Summary of the invention

Embodiments provide one to transfer accounts control method and terminal unit, be subject to defrauding of offender After victimization fund, limit the function of transferring accounts of offender.

Embodiment of the present invention first aspect provides one to transfer accounts control method, including:

Detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to the amount of money time, Judge that whether the described reference amount of money is more than preset cost；

It is more than preset cost if described with reference to the amount of money, then obtains the type I information associated with described target bank card, with And the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit；

According to described type I information and described Equations of The Second Kind information, determine that the described target with reference to the amount of money is to account duration and mesh Mark is to the account amount of money, and wherein, described target to the account amount of money is less than or equal to the described reference amount of money；

Send and carry described target to account duration and described target to the transfer request message of the account amount of money, described in transfer accounts and ask Ask message for indicating banking system producing the described target in described target bank card after described target to account duration To the account amount of money.

In conjunction with first aspect, in the implementation that some are possible, described according to described type I information and described second Category information, determine the described target with reference to the amount of money to account duration and target to the account amount of money, including:

According to described type I information and described Equations of The Second Kind information, determine and produce the described reference safety etc. with reference to the amount of money Level；

According to the mapping relations between default safe class and target to account duration and target to the account amount of money, determine described With reference to target corresponding to safe class to account duration and target to the account amount of money.

In conjunction with first aspect, in the implementation that some are possible, described type I information includes described target bank card Registered address, described Equations of The Second Kind information includes the real name state of the current number of networking of described terminal unit；

Described according to described type I information with described Equations of The Second Kind information, determine that the described target with reference to the amount of money is to account duration With target to the account amount of money, including:

When the registered address described target bank card being detected belongs to predeterminable area, the real name shape of described current networking number When state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first safe class；

When the registered address described target bank card being detected is not belonging to described predeterminable area, described current networking number When real name state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class；

When the real name state described current networking number being detected is real-name authentication, determines and produce the described reference amount of money It is the 3rd safe class with reference to safe class；

Described 3rd safe class is higher than described second safe class, and described second safe class is higher than described first safety Grade, and the target of high safety grade to account duration less than the target of lower security grade to account duration, the target of high safety grade It is more than the target of lower security grade to the account amount of money to the account amount of money.

In conjunction with first aspect, in the implementation that some are possible,

Described type I information includes that registrant's information of described target bank card, described Equations of The Second Kind information include described end The real name state of the current number of networking of end equipment；

When the registrant's information described target bank card being detected belongs to default registrant's information, described current networking number Real name state when being non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first safe class；

When the registered address described target bank card being detected is not belonging to described registrant's information, described current networking number Real name state when being non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class；

In conjunction with first aspect, in the implementation that some are possible, produce the described reference safety with reference to the amount of money when determining Grade is first or during the second safe class, and described transmission carries described target to account duration and described target to the account amount of money After transfer request message, described method also includes:

Determine described target bank card the last time receive proceed to the time of the amount of money and described proceed to the amount of money produce silver Row card；

Proceed to the time of the amount of money when detecting that described target bank card the last time receives and detect that user passes through end The Net silver of end equipment transfer accounts function request time between interval duration less than preset duration time, to the described bank card that produces Number bound in internet bank function sends reminder message, and described reminder message produces the user of bank card described in point out the Determine whether to be deceived in one preset period of time, and determine be deceived in the case of target bank card described in request for freezing, wherein, described The duration of the first preset period of time is less than described target to account duration.

In conjunction with first aspect, in the implementation that some are possible, described target bank card belongs to default bank card set； Described detecting that user's function request of being transferred accounts by the Net silver of terminal unit is produced with reference to before the amount of money from target bank card, institute Method of stating also includes:

Obtain the bank card interpolation instruction information carrying described target bank card information that described banking system sends；

Described target bank card is added described default bank card set；

Wherein, described bank card adds instruction information is that described banking system is judging that described target bank card meets one Generate during at least one in lower condition:

The non-real-name authentication of number bound in internet bank function of described target bank card,

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,

The amount of money that described target bank card is transferred accounts to secondary account more than described target bank card the enchashment amount of money,

Time interval between the time of keeping accounts and the time of transferring accounts of described target bank card is less than preset duration, and described The frequency of transferring accounts of target bank card is less than predeterminated frequency threshold value.

Embodiment of the present invention second aspect provides one to transfer accounts control terminal unit, including:

Judging unit, for detect user by the Net silver of terminal unit transfer accounts function request turn from target bank card When going out with reference to the amount of money, it is judged that whether the described reference amount of money is more than preset cost；

Acquiring unit, if being more than preset cost for described with reference to the amount of money, then acquisition associates with described target bank card Type I information, and the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit；

Determine unit, for according to described type I information and described Equations of The Second Kind information, determine the described mesh with reference to the amount of money Mark is to account duration and target to the account amount of money, and wherein, described target to the account amount of money is less than or equal to the described reference amount of money；

Transmitting element, carries described target for transmission and disappears to the transfer request of the account amount of money to account duration and described target Breath, described transfer request message is used for indicating banking system producing described target bank card after described target to account duration In described target to the account amount of money.

In conjunction with second aspect, in the implementation that some are possible, described determine unit, specifically for according to described first Category information and described Equations of The Second Kind information, determine and produce the described reference safe class with reference to the amount of money；According to default safe class And target to account duration and target to the account amount of money between mapping relations, determine that the described target corresponding with reference to safe class is to account Duration and target are to the account amount of money.

In conjunction with second aspect, in the implementation that some are possible, described type I information includes described target bank card Registered address, described Equations of The Second Kind information includes the real name state of the current number of networking of described terminal unit；

Described determine unit, specifically for when detect that the registered address of described target bank card belongs to predeterminable area, institute When stating the real name state of current networking number for non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the One safe class；When the registered address described target bank card being detected is not belonging to described predeterminable area, described current networking number When the real name state of code is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class； When the real name state described current networking number being detected is real-name authentication, determines and produce the described reference safety with reference to the amount of money Grade is the 3rd safe class；Described 3rd safe class is higher than described second safe class, and described second safe class is higher than Described first safe class, and the target of high safety grade to account duration less than the target of lower security grade to account duration, Gao An The target of congruence level is more than the target of lower security grade to the account amount of money to the account amount of money.

In conjunction with second aspect, in the implementation that some are possible, described type I information includes described target bank card Registrant's information, described Equations of The Second Kind information includes the real name state of the current number of networking of described terminal unit；

Described determine unit, specifically for when detect that registrant's information of described target bank card belongs to default registrant Information, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference safety with reference to the amount of money Grade is the first safe class；

In conjunction with second aspect, in the implementation that some are possible, produce the described reference safety with reference to the amount of money when determining Grade is first or during the second safe class, and described terminal unit also includes:

Reminding unit, sends at described transmitting element and carries described target to account duration and described target to the account amount of money After transfer request message, proceed to the time of the amount of money for determining that described target bank card the last time receives and described proceed to The amount of money produce bank card；Proceed to the time of the amount of money when detecting that described target bank card the last time receives and use detected Family by the Net silver of terminal unit transfer accounts function request time between interval duration less than preset duration time, produce to described Number bound in the internet bank function of bank card sends reminder message, and described reminder message produces bank card described in pointing out User determines whether to be deceived in the first preset period of time, and determine be deceived in the case of target bank card described in request for freezing, Wherein, the duration of described first preset period of time is less than described target to account duration.

Described target bank card belongs to default bank card set；Described terminal unit also includes:

Information acquisition unit, for described judging unit detect user by the Net silver of terminal unit transfer accounts function please Asking before target bank card produces with reference to the amount of money, obtain the transmission of described banking system carries described target bank card information Bank card add instruction information；

Adding device, for adding described default bank card set by described target bank card；

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,

It can be seen that in embodiment of the present invention technical scheme, detecting that user is transferred accounts merit by the Net silver of terminal unit Can request that when target bank card produces with reference to the amount of money, it is judged that whether the described reference amount of money is more than preset cost, if described reference The amount of money is more than preset cost, then obtain the type I information associated with described target bank card, and acquisition sets with described terminal The Equations of The Second Kind information of standby current number-associated of networking, and according to described type I information and described Equations of The Second Kind information, determine institute Stating the target with reference to the amount of money to account duration and target to the account amount of money, wherein, described target to the account amount of money is less than or equal to described ginseng Examine the amount of money, send and carry described target to account duration and described target to the transfer request message of the account amount of money, to indicate bank System is producing the described target in described target bank card to the account amount of money after described target to account duration.Visible, this Bright embodiment by the information of the number of universal bank's card information and terminal unit, based on a determination that the account duration that is restricted to determine mesh Mark is to account duration, and then avoids the unrestricted Instant Transfer of internet bank function, is conducive to improving that wholesale transfers accounts reviews Duration, the probability improve illicit money location, recovering, promote account transfer safety.

Accompanying drawing explanation

In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is the present invention Some embodiments, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to according to These accompanying drawings obtain other accompanying drawing.

Fig. 1 is the schematic flow sheet of a kind of control method of transferring accounts that first embodiment of the invention provides；

Fig. 2 is the schematic flow sheet of a kind of control method of transferring accounts that second embodiment of the invention provides；

Fig. 3 is the schematic flow sheet of a kind of control method of transferring accounts that third embodiment of the invention provides；

Fig. 4 is that a kind of the transferring accounts that fourth embodiment of the invention provides controls the structural representation of terminal unit；

Fig. 5 is that a kind of the transferring accounts that fifth embodiment of the invention provides controls the structural representation of terminal unit.

Detailed description of the invention

In order to make those skilled in the art be more fully understood that the present invention program, below in conjunction with in the embodiment of the present invention Accompanying drawing, is clearly and completely described the technical scheme in the embodiment of the present invention, it is clear that described embodiment is this Bright a part of embodiment rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not having Have and make the every other embodiment obtained under creative work premise, broadly fall into the scope of protection of the invention.

Term " first " in description and claims of this specification and above-mentioned accompanying drawing, " second ", " the 3rd ", " Four " it is etc. for distinguishing different object rather than for describing particular order.Additionally, " including " and " having " and they appoint What deformation, it is intended that cover non-exclusive comprising.Such as contain series of steps or the process of unit, method, system, product Product or equipment are not limited to step or the unit listed, but the most also include step or the unit do not listed, or The most also include other steps intrinsic for these processes, method, product or equipment or unit.

Referenced herein " embodiment " is it is meant that the special characteristic, structure or the characteristic that describe can be wrapped in conjunction with the embodiments It is contained at least one embodiment of the present invention.It is identical that each position in the description occurs that this phrase might not each mean Embodiment, be not and the independent of other embodiments mutual exclusion or alternative embodiment.Those skilled in the art explicitly and Implicitly being understood by, embodiment described herein can combine with other embodiments.

Refer to the schematic flow sheet that Fig. 1, Fig. 1 are a kind of control methods of transferring accounts that first embodiment of the invention provides, as Shown in Fig. 1, the control method of transferring accounts in the embodiment of the present invention comprises the following steps:

S101, detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to gold During volume, it is judged that whether the described reference amount of money is more than preset cost.

Specifically, in the present embodiment, user inputs phase on the Net silver of terminal unit transfers accounts function application or the page The transfer request answered, and the request of this transferred account service is sent to server, i.e. user turning on the page that terminal unit is shown Account amount of money input area input described with reference to the amount of money.

Wherein, the corresponding Net silver on the terminal unit of user is transferred accounts and is inputted that transfer accounts accordingly please in function displayed page Before asking, need user to log in, i.e. log in the accounts information of the target bank card initiating transfer request, only logging in it After could continue relevant transfer request, therefore, this service request is also carried the accounts information of target bank card.

Believe more than preset cost, the then first kind that acquisition associates with described target bank card with reference to the amount of money if S102 is described Breath, and the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit.

Wherein, the type I information associated with described target bank card can be the registered address of described target bank card, Can also be registrant's occupational information or the assets information of registrant's information of described target bank card, such as target bank card Deng；Can be the current networking number of described terminal unit with the Equations of The Second Kind information of the current networking number-associated of described terminal unit The real name state of code.

S103, according to described type I information and described Equations of The Second Kind information, when determining the described target with reference to the amount of money to account Length and target are to the account amount of money, and wherein, described target to the account amount of money is less than or equal to the described reference amount of money.

Specifically, terminal unit can determine produce described ginseng according to described type I information and described Equations of The Second Kind information Examine the reference safe class of the amount of money, and according to reflecting between default safe class and target to account duration and target to the account amount of money Penetrate relation, determine described with reference to target corresponding to safe class to account duration and target to the account amount of money.

Or, terminal unit can directly according to described type I information and described Equations of The Second Kind information, and according to preset Type I information and Equations of The Second Kind information and target to account duration and target to the account amount of money between mapping relations, determine described The one category information target corresponding with described Equations of The Second Kind information is to account duration and target to the account amount of money.

Wherein, described target to account duration can be to be referenced to account duration and be restricted to the summation of account duration, wherein said Be referenced to account duration be user can with unrestricted choice to account duration, such as to account and arrive account etc. in two days in two hours.Move Dynamic terminal can be according to described type I information and described Equations of The Second Kind information, and determine the described reference amount of money is restricted to account duration.

Specifically, when described type I information includes the registered address of described target bank card, described Equations of The Second Kind information bag When including the real name state of current networking number of described terminal unit, when the registered address described target bank card being detected belongs to Predeterminable area, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference with reference to the amount of money Safe class is the first safe class；When the registered address described target bank card being detected is not belonging to described predeterminable area, institute When stating the real name state of current networking number for non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the Two safe classes；When the real name state described current networking number being detected is real-name authentication, determines and produce described reference gold The reference safe class of volume is the 3rd safe class.

Such as, a present telecommunication fraud very rampant important reason is spreading unchecked and Net silver of bank card Commonly using, offender often buys the identity card of the people of some remote districts and the bank card gathering account as swindle Number, though therefore the police caught gathering account number reality everyone, also cannot follow the trail of again because hold gathering account number institute Someone has no ability to undertake at all and oneself lends the consequence that personal information is brought, and causes actual swindler with the lowest cost Just can use others' name and use the instrument transfer swindle funds such as Net silver.It is additionally, since present phone real-name authentication, Therefore, belong to predeterminable area (when such as presetting remote areas) in the registered address described target bank card being detected, described work as When the real name state of front networking number is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first peace Congruence level, determines the second safe class, the 3rd safe class by that analogy.Wherein, described 3rd safe class is higher than described the Two safe classes, described second safe class is higher than described first safe class, and the target of high safety grade is little to account duration In the target of lower security grade to account duration, the target of high safety grade to the account amount of money is golden to account more than the target of lower security grade Volume.

Specifically, when described type I information includes registrant's information of described target bank card, described Equations of The Second Kind information During including the real name state of the current networking number of described terminal unit, when the registrant's information described target bank card being detected Belong to default registrant's information, when the real name state of described current networking number is non-real-name authentication, determines and produce described reference The reference safe class of the amount of money is the first safe class；When the registered address described target bank card being detected is not belonging to described note Volume people's information, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference with reference to the amount of money Safe class is the second safe class；When the real name state described current networking number being detected is real-name authentication, determines and turn Going out the described reference safe class with reference to the amount of money is the 3rd safe class.

Such as, above-mentioned registrant's information can include occupational information or the assets information etc. of registrant.Offender is frequent Buying the identity card of the people of some remote districts and the bank card gathering account number as swindle, the people of these remote districts is often There is no stable occupation or fixing assets.Therefore, belong to default when the registrant's information described target bank card being detected Registrant's information (the most unstable occupation, or there is no fixed assets), the real name state of described current networking number is not During real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first safe class, determines second by that analogy Safe class, the 3rd safe class.Wherein, described 3rd safe class is higher than described second safe class, described second safety Grade be higher than described first safe class, and the target of high safety grade to account duration be less than lower security grade target to account time Long, the target of high safety grade to the account amount of money is more than the target of lower security grade to the account amount of money.

S104, send and carry described target to account duration and described target to the transfer request message of the account amount of money, described Transfer request message is for indicating banking system producing the institute in described target bank card after described target to account duration State target to the account amount of money.

Optionally, in some embodiments of the invention, when determining that producing the described reference safe class with reference to the amount of money is first Or during the second safe class, described transmission carries described target and disappears to the transfer request of the account amount of money to account duration and described target After breath, described terminal unit can also carry out following operation:

Optionally, in some embodiments of the invention, described target bank card belongs to default bank card set；Described in detection Being produced with reference to before the amount of money from target bank card to user by the function request of transferring accounts of the Net silver of terminal unit, described method is also wrapped Include:

Described target bank card is added described default bank card set；

The non-real-name authentication of number bound in internet bank function of described target bank card, the surf time of described number are less than First preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has the amount of money that the record of transferring accounts of described terminal unit, described target bank card are transferred accounts to secondary account More than the enchashment amount of money of described target bank card, described target bank card the time of keeping accounts and the time of transferring accounts between time interval Less than preset duration, and the frequency of transferring accounts of described target bank card is less than predeterminated frequency threshold value.Specifically, described target bank The non-real-name authentication of number bound in internet bank function of card, i.e. phone is not my phone, owing to present phone is real Name system, if not the phone of real name, then this target bank card belongs to default bank card set, i.e. dangerous bank card set, peace Total index number mark reduces.Whether the surf time of described number has use mobile phone less than the first preset time threshold, i.e. this user The record of number online, if this cell-phone number is never used for surfing the Net, telephone charge is also little, then this target bank card belongs to default bank Card set, i.e. dangerous bank card set, safety index mark reduces；Data base does not has the record of transferring accounts of described terminal unit, Whether this number i.e. turns over account with mobile phone, without, then then there is certain risk with Net silver transfer substantial contribution suddenly, because of This, this target bank card belongs to default bank card set, and i.e. dangerous bank card set, safety index mark reduces；Described target Bank card is more than the enchashment amount of money of described target bank card to the amount of money that secondary account is transferred accounts, and the most whether turns to the money of two grades of account numbers The both less than amount of enchashment, if the fund after fast transfer is smaller than enchashment amount, then this target bank card belongs to default Bank card set, i.e. dangerous bank card set, safety index mark reduces；The time that keeps accounts of described target bank card with when transferring accounts Time interval between is less than preset duration, i.e. shifts the time interval of fund, and common people's gathering will not transfer at once, if It is the fund transferred at once, then this target bank card belongs to default bank card set, i.e. dangerous bank card set, safety index Mark reduces；The frequency of transferring accounts of described target bank card is less than predeterminated frequency threshold value, or the service life of account number, Ruo Kaika people Have wholesale income once opening card, transfer the most at once, but if the most never using, this target bank card belongs to default silver Row card set, i.e. dangerous bank card set, safety index mark reduces.

Refer to the schematic flow sheet that Fig. 2, Fig. 2 are a kind of control methods of transferring accounts that second embodiment of the invention provides, as Shown in Fig. 2, the control method of transferring accounts in the embodiment of the present invention comprises the following steps:

S201, detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to gold During volume, it is judged that whether the described reference amount of money is more than preset cost.

Believe more than preset cost, the then first kind that acquisition associates with described target bank card with reference to the amount of money if S202 is described Breath, and the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit.

S203, according to described type I information and described Equations of The Second Kind information, determine that producing described reference with reference to the amount of money pacifies Congruence level.

Wherein, described type I information includes that the registered address of described target bank card, described Equations of The Second Kind information include institute State the real name state of the current number of networking of terminal unit；

Wherein, described type I information can also include registrant's information of described target bank card, and described Equations of The Second Kind is believed Breath includes the real name state of the current number of networking of described terminal unit；

S204, according to the safe class preset and target to account duration and target to the account amount of money between mapping relations, really The most described fixed target corresponding with reference to safe class is to account duration and target to the account amount of money.

Wherein, described target is less than or equal to described with reference to the amount of money to the account amount of money.

S205, send and carry described target to account duration and described target to the transfer request message of the account amount of money, described Transfer request message is for indicating banking system producing the institute in described target bank card after described target to account duration State target to the account amount of money.

S206, when determining that producing the described reference safe class with reference to the amount of money is first or during the second safe class, determines Described target bank card the last time receive proceed to the time of the amount of money and described proceed to the amount of money produce bank card.

S207, when detect described target bank card the last time receive proceed to the amount of money time and detect user lead to Cross the Net silver of terminal unit transfer accounts function request time between interval duration less than preset duration time, produce bank to described The number bound in internet bank function of card sends reminder message, and described reminder message produces the user of bank card described in point out Determine whether to be deceived in the first preset period of time, and determine be deceived in the case of target bank card described in request for freezing, wherein, The duration of described first preset period of time is less than described target to account duration.

Specifically, general payee receive proceed to fund time, will not transfer at once, if target bank card is the last Receive proceed to the amount of money time and detect user by the Net silver of terminal unit transfer accounts function request time between When duration is less than preset duration, then the terminal unit that target bank card is corresponding is tied up to the described internet bank function producing bank card Fixed number sends reminder message, or accepts the server of transfer request to bound in the described internet bank function producing bank card Number send reminder message.

Wherein, the associated description of embodiment of the present invention step S201 to S207 is referred in first embodiment of the invention step The associated description of rapid S101 to S104.

Refer to the schematic flow sheet that Fig. 3, Fig. 3 are a kind of control methods of transferring accounts that third embodiment of the invention provides, as Shown in Fig. 3, the control method of transferring accounts in the embodiment of the present invention comprises the following steps:

S301, detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to gold During volume, it is judged that whether the described reference amount of money is more than preset cost.

Believe more than preset cost, the then first kind that acquisition associates with described target bank card with reference to the amount of money if S302 is described Breath, and the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit.

S303, according to described type I information and described Equations of The Second Kind information, determine that producing described reference with reference to the amount of money pacifies Congruence level.

When the real name state described current networking number being detected is real-name authentication, determines and produce the described reference amount of money It is the 3rd safe class with reference to safe class.

S304, according to the safe class preset and target to the mapping relations between account duration, determine described reference safety Target corresponding to grade is to account duration.

Or, according to the mapping relations between default safe class and target to the account amount of money, determine described with reference to safety Target corresponding to grade is to the account amount of money, wherein, described target to the account amount of money less than or equal to described with reference to the amount of money.

Wherein, described 3rd safe class is higher than described second safe class, and described second safe class is higher than described the One safe class, and the target of high safety grade to account duration less than the target of lower security grade to account duration, or, high safety The target of grade is more than the target of lower security grade to the account amount of money to the account amount of money.

S305, send and carry described target to account duration and described target to the transfer request message of the account amount of money, described Transfer request message is for indicating banking system producing the institute in described target bank card after described target to account duration State target to the account amount of money.

S306, when determining that producing the described reference safe class with reference to the amount of money is first or during the second safe class, determines Described target bank card the last time receive proceed to the time of the amount of money and described proceed to the amount of money produce bank card.

S307, when detect described target bank card the last time receive proceed to the amount of money time and detect user lead to Cross the Net silver of terminal unit transfer accounts function request time between interval duration less than preset duration time, produce bank to described The number bound in internet bank function of card sends reminder message, and described reminder message produces the user of bank card described in point out Determine whether to be deceived in the first preset period of time, and determine be deceived in the case of target bank card described in request for freezing, wherein, The duration of described first preset period of time is less than described target to account duration.

Wherein, the associated description of embodiment of the present invention step S301 to S307 is referred in first embodiment of the invention step The associated description of rapid S101 to S104.

Being apparatus of the present invention embodiment below, apparatus of the present invention embodiment is used for performing the inventive method embodiment one to two The method realized, for convenience of description, illustrate only the part relevant to the embodiment of the present invention, and concrete ins and outs do not disclose , refer to the embodiment of the present invention one and embodiment two.

Referring to Fig. 4, Fig. 4 is that a kind of the transferring accounts that fourth embodiment of the invention provides controls the structural representation of terminal unit Figure, as shown in Figure 4, the control terminal unit of transferring accounts in the embodiment of the present invention includes with lower unit:

Judging unit 401, for detecting that user transfers accounts function request from target bank by the Net silver of terminal unit When card produces with reference to the amount of money, it is judged that whether the described reference amount of money is more than preset cost；

Acquiring unit 402, if being more than preset cost for described with reference to the amount of money, then obtains and associates with described target bank card Type I information, and obtain the Equations of The Second Kind information of current number-associated of networking with described terminal unit；

Determine unit 403, for according to described type I information and described Equations of The Second Kind information, determining the described reference amount of money Target is to account duration and target to the account amount of money, wherein, described target to the account amount of money less than or equal to described with reference to the amount of money；

Transmitting element 404, carrying described target for transmission please to transferring accounts of the account amount of money to account duration and described target Message, described transfer request message is asked to be used for indicating banking system producing described target silver after described target to account duration Described target in row card is to the account amount of money.

Optionally, described determine unit 403, specifically for according to described type I information and described Equations of The Second Kind information, really Surely the described reference safe class with reference to the amount of money is produced；Golden to account with target to account duration and target according to default safe class Mapping relations between volume, determine described with reference to target corresponding to safe class to account duration and target to the account amount of money.

Optionally, described type I information includes that the registered address of described target bank card, described Equations of The Second Kind information include The real name state of the current number of networking of described terminal unit；

Described determine unit 403, specifically for when detect that the registered address of described target bank card belongs to predeterminable area, When the real name state of described current networking number is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is First safe class；When the registered address described target bank card being detected is not belonging to described predeterminable area, described current networking When the real name state of number is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is second safely etc. Level；When the real name state described current networking number being detected is real-name authentication, determines and produce the described reference with reference to the amount of money Safe class is the 3rd safe class；Described 3rd safe class is higher than described second safe class, described second safe class Higher than described first safe class, and the target of high safety grade to account duration less than the target of lower security grade to account duration, The target of high safety grade is more than the target of lower security grade to the account amount of money to the account amount of money.

Optionally, described type I information includes registrant's information of described target bank card, described Equations of The Second Kind information bag Include the real name state of the current number of networking of described terminal unit；

Described determine unit 403, specifically for presetting note when detecting that registrant's information of described target bank card belongs to Volume people's information, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference with reference to the amount of money Safe class is the first safe class；

Optionally, when determining that producing the described reference safe class with reference to the amount of money is first or during the second safe class, institute State terminal unit also to include:

Reminding unit 405, carries described target in the transmission of described transmitting element golden to account to account duration and described target After the transfer request message of volume, for determining that described target bank card the last time receives the time of the amount of money and described of proceeding to Proceed to the amount of money produces bank card；Time and the detection of the amount of money is proceeded to when detecting that described target bank card the last time receives To user by the Net silver of terminal unit transfer accounts function request time between interval duration less than preset duration time, to described Produce number bound in the internet bank function of bank card and send reminder message, described reminder message be used for pointing out described in produce bank The user of card determines whether to be deceived in the first preset period of time, and determine be deceived in the case of target bank described in request for freezing Card, wherein, the duration of described first preset period of time is less than described target to account duration.

Optionally, described target bank card belongs to default bank card set；Described terminal unit also includes:

At described judging unit 401, information acquisition unit, for detecting that user is transferred accounts merit by the Net silver of terminal unit Can request that before target bank card produces with reference to the amount of money, obtain the transmission of described banking system carries described target bank card The bank card of information adds instruction information；

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,

Concrete, the implementing of above-mentioned unit refers to retouching of correlation step in Fig. 1 to Fig. 3 correspondence embodiment State, be not repeated herein.

Refer to Fig. 5, Fig. 5 is that a kind of the transferring accounts that fifth embodiment of the invention provides controls the structural representation of terminal unit Figure.As it is shown in figure 5, the control terminal unit of transferring accounts in the embodiment of the present invention includes: at least one processor 501, such as CPU, At least one receptor 503, at least one memorizer 504, at least one transmitter 505, at least one communication bus 502.Its In, communication bus 502 is for realizing the connection communication between these assemblies.Wherein, the receptor of device in the embodiment of the present invention 503 and transmitter 505 can be wired transmission port, it is also possible to for wireless device, such as, include antenna assembly, for and other Node device carries out the communication of signaling or data.Memorizer 504 can be high-speed RAM memorizer, it is also possible to be non-labile Memorizer (non-volatile memory), for example, at least one disk memory.Memorizer 504 optionally can also is that to A few storage device being located remotely from aforementioned processor 501.Memorizer 504 stores batch processing code, and described process Device 501 can pass through communication bus 502, calls the function that in memorizer 504, the code of storage is correlated with execution.

Described processor 501, for detecting that user transfers accounts function request from target silver by the Net silver of terminal unit When row card produces with reference to the amount of money, it is judged that whether the described reference amount of money is more than preset cost；If it is described golden more than presetting with reference to the amount of money Volume, then obtain the type I information associated with described target bank card, and obtain the current networking number with described terminal unit The Equations of The Second Kind information of code association；According to described type I information and described Equations of The Second Kind information, determine the described target with reference to the amount of money To account duration and target to the account amount of money, wherein, described target to the account amount of money less than or equal to described with reference to the amount of money；Transmission carries Described target is used for indicating bank to account duration and described target to the transfer request message of the account amount of money, described transfer request message System is producing the described target in described target bank card to the account amount of money after described target to account duration.

Optionally, described processor 501, for according to described type I information and described Equations of The Second Kind information, determines described During with reference to the target of the amount of money to account duration and target to the account amount of money, specifically for according to described type I information and described Equations of The Second Kind Information, determines and produces the described reference safe class with reference to the amount of money；According to default safe class with target to account duration and mesh Mark arrives the mapping relations between the account amount of money, determines that the described target corresponding with reference to safe class is golden to account to account duration and target Volume.

Described processor 501, for according to described type I information and described Equations of The Second Kind information, determines described with reference to gold When the target of volume is to account duration and target to the account amount of money, specifically for when detect that the registered address of described target bank card belongs to Predeterminable area, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference with reference to the amount of money Safe class is the first safe class；When the registered address described target bank card being detected is not belonging to described predeterminable area, institute When stating the real name state of current networking number for non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the Two safe classes；When the real name state described current networking number being detected is real-name authentication, determines and produce described reference gold The reference safe class of volume is the 3rd safe class；Described 3rd safe class be higher than described second safe class, described second Safe class is higher than described first safe class, and the target of high safety grade arrives to account duration less than the target of lower security grade Account duration, the target of high safety grade to the account amount of money is more than the target of lower security grade to the account amount of money.

Described processor 501, for according to described type I information and described Equations of The Second Kind information, determines described with reference to gold When the target of volume is to account duration and target to the account amount of money, specifically for belonging to when the registrant's information that described target bank card be detected In default registrant's information, when the real name state of described current networking number is non-real-name authentication, determines and produce described reference gold The reference safe class of volume is the first safe class；When the registered address described target bank card being detected is not belonging to described registration People's information, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference peace with reference to the amount of money Congruence level is the second safe class；When the real name state described current networking number being detected is real-name authentication, determines and produce The described reference safe class with reference to the amount of money is the 3rd safe class；Described 3rd safe class is higher than described second safely etc. Level, described second safe class is higher than described first safe class, and the target of high safety grade is less than lower security to account duration The target of grade is to account duration, and the target of high safety grade to the account amount of money is more than the target of lower security grade to the account amount of money.

Optionally, when determining that producing the described reference safe class with reference to the amount of money is first or during the second safe class, institute State processor 501 for send carry described target to account duration and described target to the transfer request message of the account amount of money it After, it is also possible to for determine described target bank card the last time receive proceed to the time of the amount of money and described proceed to the amount of money turn Go out bank card；Proceed to the time of the amount of money when detecting that described target bank card the last time receives and detect that user passes through end The Net silver of end equipment transfer accounts function request time between interval duration less than preset duration time, to the described bank card that produces Number bound in internet bank function sends reminder message, and described reminder message produces the user of bank card described in point out the Determine whether to be deceived in one preset period of time, and determine be deceived in the case of target bank card described in request for freezing, wherein, described The duration of the first preset period of time is less than described target to account duration.

Optionally, described target bank card belongs to default bank card set；Described, described processor 501 detects being used for Transferring accounts function request before target bank card produces with reference to the amount of money by the Net silver of terminal unit, it is also possible to is used for user:

Described target bank card is added described default bank card set；

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,

The embodiment of the present invention also provides for a kind of computer-readable storage medium, and wherein, this computer-readable storage medium can store journey Sequence, this program includes the part of the monitoring method of any service processes described in said method embodiment or full when performing Portion's step.

It should be noted that for aforesaid each method embodiment, in order to be briefly described, therefore it is all expressed as a series of Combination of actions, but those skilled in the art should know, the present invention is not limited by described sequence of movement because According to the present invention, some step can use other orders or carry out simultaneously.Secondly, those skilled in the art also should know Knowing, embodiment described in this description belongs to preferred embodiment, involved action and the unit not necessarily present invention Necessary.

The sequence of steps of the method for the embodiment of the present invention can be adjusted according to actual needs, merges or delete.This The unit of the terminal of bright embodiment can carry out integrating according to actual needs, Further Division or delete.

In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, and does not has the portion described in detail in certain embodiment Point, may refer to the associated description of other embodiments.

In several embodiments provided herein, it should be understood that disclosed device, can be by another way Realize.Such as, device embodiment described above is schematic, the division of the most described unit, for a kind of logic function Divide, actual can have when realizing other dividing mode, the most multiple unit or assembly can in conjunction with or be desirably integrated into Another system, or some features can ignore, or do not perform.Another point, shown or discussed coupling each other or Direct-coupling or communication connection can be the INDIRECT COUPLING by some interfaces, device or unit or communication connection, can be electricity Property or other form.

The described unit illustrated as separating component can be or may not be physically separate, shows as unit The parts shown can be or may not be physical location, i.e. may be located at a place, or can also be distributed to multiple On NE.Some or all of unit therein can be selected according to the actual needs to realize the mesh of the present embodiment scheme 's.

It addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, it is also possible to It is that unit is individually physically present, it is also possible to two or more unit are integrated in a unit.Above-mentioned integrated list Unit both can realize to use the form of hardware, it would however also be possible to employ the form of SFU software functional unit realizes.

If described integrated unit realizes and as independent production marketing or use using the form of SFU software functional unit Time, can be stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially The part that in other words prior art contributed or this technical scheme completely or partially can be with the form of software product Embodying, this computer software product is stored in a storage medium, including some instructions with so that a computer Equipment (can be for personal computer, server or the network equipment etc.) perform the whole of method described in each embodiment of the present invention or Part steps.And aforesaid storage medium includes: USB flash disk, read only memory (ROM, Read-Only Memory), random access memory are deposited Reservoir (RAM, Random Access Memory), portable hard drive, magnetic disc or CD etc. are various can store program code Medium.

One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is can Completing instructing relevant hardware by program, this program can be stored in a computer-readable recording medium, storage Medium may include that flash disk, read only memory (English: Read-Only Memory, ROM), random access device (English be called for short: RAM), disk or CD etc. literary composition: Random Access Memory, is called for short:.

The one provided the embodiment of the present invention above transfers accounts control method and terminal unit is described in detail, this Applying specific case in literary composition to be set forth principle and the embodiment of the present invention, the explanation of above example is only intended to Help to understand method and the core concept thereof of the present invention；Simultaneously for one of ordinary skill in the art, according to the think of of the present invention Thinking, the most all will change, in sum, it is right that this specification content should not be construed as The restriction of the present invention.

Claims

1. a control method of transferring accounts, it is characterised in that including:

Detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to the amount of money time, it is judged that Whether the described reference amount of money is more than preset cost；

It is more than preset cost if described with reference to the amount of money, then obtains the type I information associated with described target bank card, and obtain Take the Equations of The Second Kind information of current number-associated of networking with described terminal unit；

According to described type I information and described Equations of The Second Kind information, determine that the described target with reference to the amount of money arrives to account duration and target The account amount of money, wherein, described target to the account amount of money is less than or equal to the described reference amount of money；

Sending and carry described target to account duration and described target to the transfer request message of the account amount of money, described transfer request disappears Breath is for indicating banking system producing the described target in described target bank card after described target to account duration to account The amount of money.

2. the method for claim 1, it is characterised in that described believe according to described type I information and described Equations of The Second Kind Breath, determine the described target with reference to the amount of money to account duration and target to the account amount of money, including:

According to described type I information and described Equations of The Second Kind information, determine and produce the described reference safe class with reference to the amount of money；

According to the mapping relations between default safe class and target to account duration and target to the account amount of money, determine described reference Target corresponding to safe class is to account duration and target to the account amount of money.

3. method as claimed in claim 2, it is characterised in that

Described type I information includes that the registered address of described target bank card, described Equations of The Second Kind information include described terminal unit The real name state of current number of networking；

Described according to described type I information with described Equations of The Second Kind information, determine that the described target with reference to the amount of money is to account duration and mesh Mark arrives the account amount of money, including:

When the registered address described target bank card being detected belongs to predeterminable area, and the real name state of described current networking number is During non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first safe class；

When the registered address described target bank card being detected is not belonging to described predeterminable area, the real name of described current networking number When state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class；

When the real name state described current networking number being detected is real-name authentication, determines and produce the described reference with reference to the amount of money Safe class is the 3rd safe class；

Described 3rd safe class is higher than described second safe class, and described second safe class is higher than described first safely etc. Level, and the target of high safety grade to account duration be less than lower security grade target arrive to account duration, the target of high safety grade The account amount of money is more than the target of lower security grade to the account amount of money.

4. method as claimed in claim 2, it is characterised in that

Described type I information includes that registrant's information of described target bank card, described Equations of The Second Kind information include that described terminal sets The real name state of standby current number of networking；

When the registrant's information described target bank card being detected belongs to default registrant's information, the reality of described current networking number When name state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first safe class；

When the registered address described target bank card being detected is not belonging to described registrant's information, the reality of described current networking number When name state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class；

5. according to the method described in claim 3 or 4, it is characterised in that produce the described reference safety with reference to the amount of money when determining Grade is first or during the second safe class, and described transmission carries described target to account duration and described target to the account amount of money After transfer request message, described method also includes:

Determine described target bank card the last time receive proceed to the time of the amount of money and described proceed to the amount of money produce bank card；

Proceed to the time of the amount of money when detecting that described target bank card the last time receives and detect that user is set by terminal Standby Net silver transfer accounts function request time between interval duration less than preset duration time, to the described Net silver producing bank card Number bound in function sends reminder message, and the user that described reminder message produces bank card described in point out is pre-first If determining whether in the period to be deceived, and determine be deceived in the case of target bank card described in request for freezing, wherein, described first The duration of preset period of time is less than described target to account duration.

6. according to the method described in any one of claim 1-4, it is characterised in that described target bank card belongs to default bank card Set；Described detect user by the Net silver of terminal unit transfer accounts function request from target bank card produce with reference to the amount of money it Before, described method also includes:

Described target bank card is added described default bank card set；

Wherein, described bank card adds instruction information is that described banking system is judging that described target bank card meets bar Generate during at least one in part:

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,

Time interval between the time of keeping accounts and the time of transferring accounts of described target bank card is less than preset duration, and described target The frequency of transferring accounts of bank card is less than predeterminated frequency threshold value.

7. a control terminal unit of transferring accounts, it is characterised in that described terminal unit includes:

Judging unit, for detect user by the Net silver of terminal unit transfer accounts function request produce ginseng from target bank card When examining the amount of money, it is judged that whether the described reference amount of money is more than preset cost；

Acquiring unit, if being more than preset cost for described with reference to the amount of money, then obtains first associated with described target bank card Category information, and the Equations of The Second Kind information of the current number-associated of networking of acquisition and described terminal unit；

Determine unit, for according to described type I information and described Equations of The Second Kind information, determine that the described target with reference to the amount of money arrives Account duration and target are to the account amount of money, and wherein, described target to the account amount of money is less than or equal to the described reference amount of money；

Transmitting element, carries described target to account duration and described target to the transfer request message of the account amount of money for sending, Described transfer request message is used for indicating banking system producing in described target bank card after described target to account duration Described target to the account amount of money.

8. terminal unit as claimed in claim 7, it is characterised in that

Described determine unit, specifically for according to described type I information and described Equations of The Second Kind information, determining and produce described reference The reference safe class of the amount of money；Close to the mapping between the account amount of money to account duration and target according to default safe class and target System, determine described with reference to target corresponding to safe class to account duration and target to the account amount of money.

9. terminal unit as claimed in claim 8, it is characterised in that

Described determine unit, specifically for when detect that the registered address of described target bank card belongs to predeterminable area, described work as When the real name state of front networking number is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the first peace Congruence level；When the registered address described target bank card being detected is not belonging to described predeterminable area, described current networking number When real name state is non-real-name authentication, determine that producing the described reference safe class with reference to the amount of money is the second safe class；Work as inspection Measure the real name state of described current networking number when being real-name authentication, determine and produce the described reference safe class with reference to the amount of money It it is the 3rd safe class；Described 3rd safe class is higher than described second safe class, and described second safe class is higher than described First safe class, and the target of high safety grade to account duration less than the target of lower security grade to account duration, high safe etc. The target of level is more than the target of lower security grade to the account amount of money to the account amount of money.

10. terminal unit as claimed in claim 8, it is characterised in that

Described determine unit, specifically for when detect that registrant's information of described target bank card belongs to default registrant letter Breath, when the real name state of described current networking number is non-real-name authentication, determines and produces the described reference safety etc. with reference to the amount of money Level is the first safe class；

11. according to the terminal unit described in claim 9 or 10, it is characterised in that produce the described ginseng with reference to the amount of money when determining Examining safe class is first or during the second safe class, and described terminal unit also includes:

Reminding unit, described transmitting element send carry described target to account duration and described target transferring accounts to the account amount of money After request message, proceed to the time of the amount of money for determining that described target bank card the last time receives and described proceed to the amount of money Produce bank card；Proceed to the time of the amount of money when detecting that described target bank card the last time receives and detect that user is led to Cross the Net silver of terminal unit transfer accounts function request time between interval duration less than preset duration time, produce bank to described The number bound in internet bank function of card sends reminder message, and described reminder message produces the user of bank card described in point out Determine whether to be deceived in the first preset period of time, and determine be deceived in the case of target bank card described in request for freezing, wherein, The duration of described first preset period of time is less than described target to account duration.

12. according to the terminal unit described in any one of claim 7 or 10, it is characterised in that described target bank card belongs to pre- If bank card set；Described terminal unit also includes:

Information acquisition unit, for described judging unit detect user by the Net silver of terminal unit transfer accounts function request from Target bank card produces with reference to before the amount of money, obtains the silver carrying described target bank card information that described banking system sends Row card adds instruction information；

The surf time of described number less than the first preset time threshold,

The use time of described number less than the second preset time threshold,

Data base does not has described terminal unit record of transferring accounts,