CN106779649A - Transfer accounts processing method and processing device - Google Patents
Transfer accounts processing method and processing device Download PDFInfo
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- CN106779649A CN106779649A CN201611191414.2A CN201611191414A CN106779649A CN 106779649 A CN106779649 A CN 106779649A CN 201611191414 A CN201611191414 A CN 201611191414A CN 106779649 A CN106779649 A CN 106779649A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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Abstract
Transferred accounts processing method and processing device the invention discloses one kind, be related to electronic information technical field.Wherein method includes：The order for receiving user pays request and the selected means of payment of user；Judge whether the selected means of payment of user is local bank's payment by the transfer of accounts mode；If judging the selected means of payment of user for local bank's payment by the transfer of accounts mode, determine whether whether the geographical position residing for user is default geographic area；If judging, the geographical position residing for user is default geographic area, shows the transfer information that payment and settlement system unified in the default geographic area is provided.Using this programme, it is possible to achieve the optimization of e-commerce platform transfer mechanism, achieve raising and transfer accounts efficiency, the beneficial effect for cutting operating costs.
Description
Technical field
The present invention relates to electronic information technical field, and in particular to one kind is transferred accounts processing method and processing device.
Background technology
At present, money transfer payments of transferring accounts mode has turned into addition to credit card many Foreign trade electronic commerce platforms for client provides
One of means of payment.Wherein, money transfer payments of transferring accounts mode is transferred accounts comprising local bank and is remitted money and other methods of remittance of transferring accounts, such as
Unified payment and settlement system that some regions have etc..
Local bank's remittance of transferring accounts is a kind of traditional pattern of transferring accounts, and is usually present fund and confirms the disadvantages such as the account cycle is long
End, although and the unified payment and settlement system of some regions can reduce fund to the account cycle, reduce gathering cost, by
In local bank transfer accounts remittance it is applied widely, popularity rate is high the features such as still turn into except credit card in addition to overseas customer often select
One of means of payment.
As can be seen here, in the region with unified payment and settlement system, user still selects local silver when remittance is transferred accounts
Capable funds transfer system of transferring accounts, so as to cause fund to confirm, the account cycle is long, it is relatively costly to collect money and there is the drawbacks such as loss on foreign exchange.
The content of the invention
In view of the above problems, it is proposed that the present invention so as to provide one kind overcome above mentioned problem or at least in part solve on
State the processing method and processing device of transferring accounts of problem.
According to an aspect of the invention, there is provided processing method of transferring accounts, the method includes：
The order for receiving user pays request and the selected means of payment of user；
Judge whether the selected means of payment of user is local bank's payment by the transfer of accounts mode；
If judging, the selected means of payment of user, for local bank's payment by the transfer of accounts mode, determines whether user institute
Whether the geographical position at place is default geographic area；
If judging, the geographical position residing for user is default geographic area, shows unification in the default geographic area
The transfer information that payment and settlement system is provided.
According to another aspect of the present invention, there is provided processing unit of transferring accounts, the device includes：
Receiver module, the order for receiving user pays request and the selected means of payment of user；
First judge module, for judging whether the selected means of payment of user is local bank's payment by the transfer of accounts mode；
Second judge module, if judging that the selected means of payment of user is local silver for first judge module
Row payment by the transfer of accounts mode, then determine whether whether the geographical position residing for user is default geographic area；
Display module, if judging for second judge module, the geographical position residing for user is default geographic region
Domain, then show the transfer information that payment and settlement system unified in the default geographic area is provided.
Processing method and processing device of transferring accounts of the invention, is paid selected by request and user by the order for receiving user
The means of payment selected, and judge whether the selected means of payment of user is local bank's payment by the transfer of accounts mode, if judging to use
The selected means of payment in family be local bank's payment by the transfer of accounts mode, then determine whether the geographical position residing for user whether be
Default geographic area, if judging, the geographical position residing for user is default geographic area, is shown in the default geographic area
The transfer information that unified payment and settlement system is provided.Using this programme, it is possible to achieve e-commerce platform transfer mechanism it is excellent
Change, achieve raising and transfer accounts efficiency, the beneficial effect for cutting operating costs.
Described above is only the general introduction of technical solution of the present invention, in order to better understand technological means of the invention,
And can be practiced according to the content of specification, and in order to allow the above and other objects of the present invention, feature and advantage can
Become apparent, below especially exemplified by specific embodiment of the invention.
Brief description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit is common for this area
Technical staff will be clear understanding.Accompanying drawing is only used for showing the purpose of preferred embodiment, and is not considered as to the present invention
Limitation.And in whole accompanying drawing, identical part is denoted by the same reference numerals.In the accompanying drawings：
Fig. 1 shows the flow chart of the processing method of transferring accounts provided according to one embodiment of the invention；
Fig. 2 shows the flow chart of the processing method of transferring accounts provided according to one embodiment of the invention；
Fig. 3 shows the illustrative view of functional configuration of the processing unit of transferring accounts provided according to one embodiment of the invention；
Fig. 4 shows the illustrative view of functional configuration of the processing unit of transferring accounts provided according to one embodiment of the invention.
Specific embodiment
The exemplary embodiment of the disclosure is more fully described below with reference to accompanying drawings.Although showing the disclosure in accompanying drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the disclosure without should be by embodiments set forth here
Limited.Conversely, there is provided these embodiments are able to be best understood from the disclosure, and can be by the scope of the present disclosure
Complete conveys to those skilled in the art.
Fig. 1 shows the flow chart of the processing method of transferring accounts provided according to one embodiment of the invention.As shown in figure 1, should
Method is comprised the following steps：
Step 101, the order for receiving user pays request and the selected means of payment of user.
After order generation, the order for receiving user pays request and the selected means of payment of user.Order is provided can
For the means of payment of user's selection.Wherein, the means of payment for being available for user to select includes：Credit Card Payments, local bank transfer accounts
And other means of payment etc..
Step 102, judges whether the selected means of payment of user is local bank's payment by the transfer of accounts mode, if so, then holding
Row step 103.
Judge whether the selected means of payment of the user received in step 101 is local bank's payment by the transfer of accounts mode.
If so, then performing step 103；If it is not, then this method terminates.
Step 103, judges whether the geographical position residing for user is default geographic area, if so, then performing step 104.
If the selected means of payment of the user judged in step 102 is local bank's payment by the transfer of accounts mode, further
Judge whether the geographical position residing for user is default geographic area.
When the selected means of payment of the user judged in step 102 is local bank's payment by the transfer of accounts mode, then further
The geographical position residing for user is obtained, and judges whether the geographical position residing for user is default geographic area.Wherein, preset ground
Reason region is the region with unified payment and settlement system of setting, for example, default geographic area can be European Union area.
Step 104, shows the transfer information that payment and settlement system unified in the default geographic area is provided.
If the geographical position residing for the user judged in step 103 shows the default geographic region to preset geographic area
The transfer information that payment and settlement system unified in domain is provided.If for example, default geographic area is European Union area, in step 103
The geographical position residing for user for judging is France, then show the letter of transferring accounts that the unified payment and settlement system in European Union area is provided
Breath, i.e. single Euro of SEPA (The Single Euro Payments Area) pays the transfer information that area's fund transfer system is provided.
As can be seen here, processing method of transferring accounts of the invention, request and user are paid by the order for receiving user
The selected means of payment, and judge whether the selected means of payment of user is local bank's payment by the transfer of accounts mode, if judging
Go out the selected means of payment of user for local bank's payment by the transfer of accounts mode, then determine whether that the geographical position residing for user is
No is default geographic area, if judging, the geographical position residing for user is default geographic area, shows the default geographic region
The transfer information that payment and settlement system unified in domain is provided.Using this programme, it is possible to achieve e-commerce platform transfer mechanism
Optimization, achieve raising and transfer accounts efficiency, the beneficial effect for cutting operating costs.
Fig. 2 shows the flow chart of the processing method of transferring accounts provided according to one embodiment of the invention.As shown in Fig. 2 should
Method is comprised the following steps：
Step 201, the order for receiving user pays request and the selected means of payment of user.
After order is generated, O/No. is obtained, order payment request and the user for receiving user's triggering are selected
The means of payment.Order provides the means of payment for being available for user to select.Wherein, the means of payment for being available for user to select includes：Credit
Card pays, local bank transfers accounts and other means of payment etc..
Step 202, the payment environment to user carries out safety detection.
Detect whether the payment environment of user is safe, if so, then performing step 203；Otherwise, interrupt and this time pay request.
The safety of user account safety is threatened in the payment environment of detection user with the presence or absence of malicious code or virus etc.
Hidden danger, specific detection method those skilled in the art can voluntarily be set, and not repeat one by one herein.If the payment environment of the user of detection is deposited
In exception, then interrupt and this time pay request；If the payment environment security of the user of detection is higher, step 203 is performed.
Step 203, judges whether the selected means of payment of user is local bank's payment by the transfer of accounts mode, if so, then holding
Row step 204.
Judge whether the selected means of payment of the user received in step 201 is local bank's payment by the transfer of accounts mode.
If so, then performing step 204；If it is not, then this method terminates.
Step 204, obtains the geographical position residing for user.
When whether the selected means of payment of user that step 203 judges is local bank's payment by the transfer of accounts mode, then enter one
Step obtains the geographical position residing for user.
Can by obtaining the IP reference address of user, or, obtain the methods such as GPS location information of user and obtain user's
Geographical position.
Step 205, judges whether the geographical position residing for user is default geographic area, if so, then performing step 206；
Otherwise, step 207 is performed.
The geographical position of the user obtained according to step 204, judges whether the geographical position residing for user is default geography
Region, if so, then performing step 206；Otherwise, step 207 is performed.
Wherein, default geographic area is the region with unified payment and settlement system of setting, for example, default geographic region
Domain can be European Union area, if the geographical position residing for the user obtained in step 204 is France, the geographical position residing for user
Default geographic area is set to, if the geographical position residing for the user obtained in step 204 is China, the geographical position residing for user
It is set to non-default geographic area.
Step 206, the transfer information that unified payment and settlement system is provided in the default geographic area of display.
If the geographical position residing for the user judged in step 205 shows the default geographic region to preset geographic area
The transfer information that payment and settlement system unified in domain is provided.If default geographic area is European Union area, judge in step 205
Geographical position residing for user is European Union area, then show the transfer information that the unified payment and settlement system in European Union area is provided,
That is single Euro of SEPA pays the transfer information that area's credit fund transfer system is provided.
Optionally, the transfer information that payment and settlement system unified in the default geographic area is provided, such as payee are shown
Name, transfer amounts, transfer monetary title etc., sales counter is transferred accounts under entering line according to transfer information for user；Or, in display
After the transfer information that payment and settlement system unified in the default geographic area is provided, there is provided the unified payment and settlement system
Login interface on line, so that user is transferred accounts by the unified payment and settlement system in the region.
It is further alternative, if providing login interface on the line of the unified payment and settlement system, in user according to the system
One payment and settlement system transfer accounts after remitting money, and obtains remittance odd numbers of transferring accounts, and the O/No. obtained with step 201 is carried out
Association, so that user obtains remittance progress of transferring accounts according to order number.
Step 207, the transfer information that the corresponding local bank's fund transfer system in display geographical position is provided.
If the geographical position residing for the user judged in step 205 is non-default geographic area, the geographical position is shown
The transfer information that corresponding local bank's fund transfer system is provided.If for example, default geographic area is European Union area, in step 204
The geographical position of the user of acquisition is that the geographical position residing for the user that judges is non-EU area in India, i.e. step 205, then
The transfer information that display India area local bank fund transfer system is provided.Wherein, transfer information includes payee name, gold of transferring accounts
Volume, transfer monetary title etc..
As can be seen here, processing method of transferring accounts of the invention, request and user are paid by the order for receiving user
The selected means of payment, judge in the case of by payment environment safety monitoring the selected means of payment of user whether be
Local bank's payment by the transfer of accounts mode, if judging, the selected means of payment of user, for local bank's payment by the transfer of accounts mode, is entered
One step obtains the geographical position of user, and judges whether the geographical position residing for user is default geographic area, if judging to use
Geographical position residing for family is default geographic area, then show what payment and settlement system unified in the default geographic area was provided
Transfer information.Using this programme, can avoid the area's intra domain user with unified payment and settlement system transfer accounts remittance when still
Selection local bank transfers accounts funds transfer system, so as to the fund for causing confirms that the account cycle is long, it is relatively costly to collect money and there is foreign exchange
The drawbacks such as loss, realize the optimization of e-commerce platform transfer mechanism, and improve the security and efficiency of transferring accounts of user account, drop
Low running cost.
Fig. 3 shows the illustrative view of functional configuration of the processing unit of transferring accounts provided according to one embodiment of the invention.Such as Fig. 3
Shown, the device includes：Receiver module 31, the first judge module 32, the second judge module 33, display module 34.
Receiver module 31, the order for receiving user pays request and the selected means of payment of user.
After order generation, the order for receiving user pays request and the selected means of payment of user.Order is provided can
For the means of payment of user's selection.Wherein, the means of payment for being available for user to select includes：Credit Card Payments, local bank transfer accounts
And other means of payment etc..
First judge module 32, for judging whether the selected means of payment of user is payment by the transfer of accounts side of local bank
Formula.
Judge whether the selected means of payment of the user received in receiver module 31 is payment by the transfer of accounts side of local bank
Formula.If so, then entering the second judge module 33.
Second judge module 33, if judging that the selected means of payment of user is local silver for the first judge module 32
Row payment by the transfer of accounts mode, then determine whether whether the geographical position residing for user is default geographic area.
If the selected means of payment of user judged in the first judge module 32 is local bank's payment by the transfer of accounts mode,
Determine whether whether the geographical position residing for user is default geographic area.
When the selected means of payment of user judged in the first judge module 32 is local bank's payment by the transfer of accounts mode, then
The geographical position residing for user is further obtained, and judges whether the geographical position residing for user is default geographic area.Wherein,
Default geographic area is the region with unified payment and settlement system of setting, for example, default geographic area can be European Union
Area.
Display module 34, if judging for the second judge module, the geographical position residing for user is default geographic area,
Then show the transfer information that payment and settlement system unified in the default geographic area is provided.
If the geographical position residing for the user judged in the second judge module 33 shows that this is preset to preset geographic area
The transfer information that payment and settlement system unified in geographic area is provided.If for example, default geographic area is European Union area, user
Residing geographical position is France, then show the transfer information that the unified payment and settlement system in European Union area is provided, i.e. SEPA
The transfer information that (The Single Euro Payments Area) single Euro of payment area credit fund transfer system is provided.
As can be seen here, processing unit of transferring accounts of the invention, the order for receiving user by receiver module pays request
And the selected means of payment of user, and judge whether the selected means of payment of user is local by the first judge module
The bank transfer means of payment, if the first judge module judges that the selected means of payment of user is payment by the transfer of accounts side of local bank
Formula, then further judge whether the geographical position residing for user is default geographic area, if second sentences by the second judge module
Disconnected module judges that the geographical position residing for user is default geographic area, then show the default geographic area by display module
The transfer information that interior unified payment and settlement system is provided.Using this programme, it is possible to achieve e-commerce platform transfer mechanism
Optimization, achieves raising and transfers accounts efficiency, the beneficial effect for cutting operating costs.
Fig. 4 shows the illustrative view of functional configuration of the processing unit of transferring accounts provided according to one embodiment of the invention.Such as Fig. 4
Shown, on the basis of the processing unit of transferring accounts shown in Fig. 3, the processing unit of transferring accounts that the present embodiment is provided also includes：Safety inspection
Survey module 41, acquisition module 42.
Safety detection module 41, safety detection is carried out for the payment environment to user.
Detect whether the payment environment of user is safe, if so, then entering the first judge module 32；Otherwise, interrupt and this time prop up
Pay request.
The safety of user account safety is threatened in the payment environment of detection user with the presence or absence of malicious code or virus etc.
Hidden danger, specific detection method those skilled in the art can voluntarily be set, and not repeat one by one herein.If the payment environment of the user of detection is deposited
In exception, then interrupt and this time pay request；If the payment environment security of the user of detection is higher, into the first judge module
32。
Acquisition module 42, for obtaining the geographical position residing for user.
When the selected means of payment of user that the first judge module 32 judges is local bank's payment by the transfer of accounts mode, then enter
One step obtains the geographical position residing for user.
Can by obtaining the IP reference address of user, or, obtain the methods such as GPS location information of user and obtain user's
Geographical position.
If display module 34 is further used for the second judge module 33 judges that the geographical position residing for user is non-default
Geographic area, then show the transfer information that the corresponding local bank's fund transfer system in the geographical position is provided.
If the geographical position residing for the user that the second judge module 33 judges is non-default geographic area, the geographical position of display
Put the transfer information that corresponding local bank's fund transfer system is provided.If for example, default geographic area is European Union area, acquisition module
Geographical position of the geographical position of the user obtained in 42 residing for the user that judges in India, i.e. the second judge module 33 is as non-
European Union area, then show the transfer information that India's area local bank fund transfer system is provided.Wherein, transfer information includes payee
Name, transfer amounts, transfer monetary title etc..
As can be seen here, the processing unit of transferring accounts for being provided according to the present invention, is guaranteed payment environment by safety monitoring module
Security, and the geographical position residing for user is judged for the second judge module by the geographical position that acquisition module obtains user
Whether it is default geographic area, if judging, the geographical position residing for user is non-default geographic area, shows geographical position
The transfer information that corresponding local bank's fund transfer system is provided.Using this programme, can avoid with unified payment and settlement system
Area's intra domain user of system still selects local bank to transfer accounts funds transfer system when remittance is transferred accounts, so as to the fund for causing confirms account week
Phase is long, gathering is relatively costly and there is the drawbacks such as loss on foreign exchange, realizes the optimization of e-commerce platform transfer mechanism, and improve use
The security of family account and efficiency of transferring accounts, cut operating costs.
So far, although those skilled in the art will appreciate that detailed herein have shown and described multiple of the invention and show
Example property embodiment, but, without departing from the spirit and scope of the present invention, still can be directly true according to disclosure of invention
Determine or derive many other variations or modifications for meeting the principle of the invention.Therefore, the scope of the present invention is it should be understood that and recognize
It is set to and covers all these other variations or modifications.
It will be appreciated by those skilled in the art that embodiments of the present invention can be implemented as a kind of system, device, equipment,
Method or computer program product.Additionally, the present invention is not also directed to any certain programmed language, it should be appreciated that can be using each
The content that programming language realizes present invention description is planted, and the description done to language-specific above is of the invention in order to disclose
Preferred forms.
Although it should be noted that describe some modules of processing unit of transferring accounts in superincumbent explanation in detail,
It is this to divide what is be merely exemplary, it is not enforceable.It will be understood to those skilled in the art that indeed, it is possible to right
Module in embodiment is adaptively changed, by the multiple block combiners in embodiment an into module, also can be by one
Individual Module Division is into multiple modules.
Additionally, although describing the present invention with particular order in the accompanying drawings implements operation, this is not required that or secretly
Showing must perform these operations according to the particular order, or the operation having to carry out shown in whole could realize desired knot
Really.Some steps can be omitted, multiple steps are merged into a step performs, or a step is divided into multiple steps and held
OK.
In sum, using processing method and processing device of transferring accounts of the present invention, can avoid with unified payment knot
Area's intra domain user of calculation system still selects local bank to transfer accounts funds transfer system when remittance is transferred accounts, so as to the fund for causing is confirmed
The account cycle is long, gathering is relatively costly and there is the drawbacks such as loss on foreign exchange, realizes the optimization of e-commerce platform transfer mechanism, and carry
The security of user account high and efficiency of transferring accounts, cut operating costs.
The method of the present invention and specific implementation method are described in detail above, and give corresponding implementation
Example.Certainly, in addition to the implementation, the present invention can also have other embodiment, all use equivalents or equivalent transformation shape
Into technical scheme, all fall within invention which is intended to be protected.
Claims (10)
1. one kind is transferred accounts processing method, it is characterised in that methods described includes：
The order for receiving user pays request and the selected means of payment of user；
Judge whether the selected means of payment of user is local bank's payment by the transfer of accounts mode；
If judging, the selected means of payment of user, for local bank's payment by the transfer of accounts mode, is determined whether residing for user
Whether geographical position is default geographic area；
If judging, the geographical position residing for user is default geographic area, shows payment unified in the default geographic area
The transfer information that settlement system is provided.
2. method according to claim 1, it is characterised in that pay request and user in the order of the reception user
After the selected means of payment, methods described also includes：
Payment environment to user carries out safety detection.
3. method according to claim 1, it is characterised in that the selected means of payment of user is local silver if judging
Row payment by the transfer of accounts mode, then before whether the geographical position determined whether residing for user is default geographic area, institute
Stating method also includes：
Obtain the geographical position residing for the user.
4. method according to claim 3, it is characterised in that the geographical position residing for the acquisition user is by following
At least one method is obtained：
Obtain the IP reference address of the user；
Or, obtain the GPS location information of the user.
5. the method according to claim any one of 1-4, it is characterised in that methods described also includes：If judging user
Residing geographical position is non-default geographic area, then show turning for the corresponding local bank's fund transfer system offer in the geographical position
Account information.
6. one kind is transferred accounts processing unit, it is characterised in that described device includes：
Receiver module, the order for receiving user pays request and the selected means of payment of user；
First judge module, for judging whether the selected means of payment of user is local bank's payment by the transfer of accounts mode；
Second judge module, if judging that the selected means of payment of user turns for local bank for first judge module
The account means of payment, then determine whether whether the geographical position residing for user is default geographic area；
Display module, if judging for second judge module, the geographical position residing for user is default geographic area,
Show the transfer information that payment and settlement system unified in the default geographic area is provided.
7. device according to claim 6, it is characterised in that described device also includes：
Safety detection module, safety detection is carried out for the payment environment to user.
8. device according to claim 6, it is characterised in that described device also includes：
Acquisition module, for obtaining the geographical position residing for the user.
9. device according to claim 8, it is characterised in that the acquisition module is further used for：
Obtain the IP reference address of the user；
Or, obtain the GPS location information of the user.
10. the device according to claim any one of 6-9, it is characterised in that the display module is further used for：If institute
State the second judge module and judge that the geographical position residing for user is non-default geographic area, then show that the geographical position is corresponding
The transfer information that local bank's fund transfer system is provided.
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| CN201611191414.2A CN106779649B (en) | 2016-12-21 | 2016-12-21 | Transfer processing method and device |
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|---|---|---|---|
| CN201611191414.2A CN106779649B (en) | 2016-12-21 | 2016-12-21 | Transfer processing method and device |
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