CN106815723A - Transfer account method and device - Google Patents
Transfer account method and device Download PDFInfo
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- CN106815723A CN106815723A CN201710077492.8A CN201710077492A CN106815723A CN 106815723 A CN106815723 A CN 106815723A CN 201710077492 A CN201710077492 A CN 201710077492A CN 106815723 A CN106815723 A CN 106815723A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The invention discloses a kind of transfer account method, methods described includes：In Bank application, gathering object is determined based on the user characteristics for receiving；The account of the inquiry gathering object binding；Transfer amounts in bank account are forwarded in the account of the gathering object binding.The invention also discloses a kind of transfer device.Can be forwarded directly to transfer amounts in the account of gathering object by the present invention, improve the convenience and security transferred accounts, and also further increasing the intelligent of the mode of transferring accounts.
Description
Technical field
The present invention relates to financial technology field, more particularly to a kind of transfer account method and device.
Background technology
With the development of science and technology, the phenomenon of electronic transaction is increasingly common, and electronic transaction mainly has mobile payment, turns
Account etc..Existing mode of transferring accounts is primary following several：
1st, transferred accounts to the bank card of good friend by bank card, this mode of transferring accounts is, it is necessary to know the bank card of good friend
Number, and when transferring accounts every time, input good friend bank card number.Obviously, this mode of transferring accounts operates relatively complicated, and needs prior
Inquiry good friend bank card number, is unfavorable for the protection of privacy information, and security is relatively low.
2nd, when user A by social platform (such as wechat or Alipay) to oneself social connections people (such as wechat good friend, branch
Pay precious good friend) when initiating to transfer accounts, payment platform first deducts corresponding from the bank account or its payment of balance's account of user A bindings
Service charge, right rear line B send one gathering prompting message, when user click on gathering message when, payment platform is remitted money again
Into the account of user B.This mode of transferring accounts is, it is necessary to other side good friend confirmation reception, just calculates and transfer accounts successfully, if good friend forgets to connect
Receive, then can cause to transfer accounts unsuccessfully.Obviously, this mode of transferring accounts is, it is necessary to manual confirmation, intelligent relatively low.
The content of the invention
It is a kind of based on transfer account method and device it is a primary object of the present invention to propose, it is intended to solve the existing side of transferring accounts
Formula, cumbersome, security and intelligent all relatively low technical problem.
To achieve the above object, a kind of transfer account method that the present invention is provided, the transfer account method includes：
In Bank application, gathering object is determined based on the user characteristics for receiving；
The account of the inquiry gathering object binding；
Transfer amounts in bank account are forwarded in the account of the gathering object binding.
Preferably, it is described in Bank application, include the step of determine gathering object based on the user characteristics that receives：
In Bank application, the social networks chain information of association is extracted；
In the social networks chain information for extracting, gathering object is determined based on the user characteristics for receiving.
Preferably, it is described in the social networks chain information for extracting, gathering is determined based on the user characteristics for receiving
The step of object, includes：
In the social networks chain information for extracting, the identification information of the gathering object of user input is received；
Gathering object is determined based on the identification information for receiving, wherein, the identification information includes name；
Or, in the social networks chain information for extracting, show the selection interface of associated person information；
Using contact person of the user based on selection interface selection as gathering object.
Preferably, it is described using user be based on the selection interface selection contact person as gathering object the step of include：
When contact person of the user based on selection interface selection is detected, name input window is shown, for user
It is input into the name of the contact person；
The name of the contact person is being verified without mistaking, using the contact person as gathering object.
Preferably, the step of account of the inquiry gathering object binding includes：
The type of the account that the identification gathering object is opened up in the social networks chain information；
When the type of the account for opening up is II classes family, if user's selection is transferred accounts in I classes family, it is determined that the II classes family thing
The I classes family for first associating；
Account of the I classes family that the II classes family is associated in advance as the gathering object binding.
Preferably, the transfer amounts by bank account are forwarded to the step in the account of the gathering object binding
Including：
The affiliated bank of the account of the inquiry gathering object binding；
If the affiliated bank of the account of the gathering object binding is different from the affiliated bank of the Bank application, will be described
The affiliated bank of the account of gathering object binding is used as third party bank；
Transfer amounts in current account are forwarded to the third party bank, by the third party bank by transfer amounts
It is forwarded in the account of the gathering object binding.
Preferably, it is described in Bank application, the step of determine gathering object based on the user characteristics that receives before, institute
Stating transfer account method also includes：
When the Bank application opens up bank account, the prompt message at output binding I classes family, and the I that user is selected
Bound with the bank account at class family；And
Determine user in the corresponding social networks chain information of social platform；
The incidence relation of the social networks chain information and the Bank application is set up, to realize the Bank application and society
The binding of friendship relation chain information.
Preferably, the transfer account method also includes：
When account prompt message is received, output is described to account prompt message, for user based on described to account prompting
Information, views the specific details of account in the account to account.
Additionally, to achieve the above object, the present invention also proposes a kind of transfer device, and the transfer device includes：
Determining module, in Bank application, gathering object being determined based on the user characteristics for receiving；
Enquiry module, the account for inquiring about the gathering object binding；
Forwarding module, for the transfer amounts in bank account to be forwarded in the account of the gathering object binding.
Preferably, the determining module includes：
Extracting sub-module, in Bank application, extracting the social networks chain information of association；
First determination sub-module, in the social networks chain information for extracting, based on the user characteristics for receiving
It is determined that gathering object.
Preferably, first determination sub-module includes：
Receiving unit, the mark of the gathering object in the social networks chain information for extracting, receiving user input
Knowledge information, wherein, the identification information includes name；
Determining unit, for determining gathering object based on the identification information for receiving；
Or；
Display unit, in the social networks chain information for extracting, showing the selection interface of associated person information；
Processing unit, for using user be based on the selection interface selection contact person as gathering object.
Preferably, the processing unit includes：
Display subelement, for when contact person of the user based on selection interface selection is detected, display name to be defeated
Enter window, for the name of contact person described in user input；
Treatment subelement, for verifying the name of the contact person without mistaking, using the contact person as gathering object.
Preferably, the enquiry module includes：
Identification submodule, the class for recognizing the account that the gathering object is opened up in the social networks chain information
Type；
Second determination sub-module, is II classes family for the type when the account for opening up, if user's selection is transferred accounts to I classes family
In, it is determined that the I classes family of II classes family association in advance；
First treatment submodule, for using the I classes family of II classes family association in advance as the gathering object binding
Account.
Preferably, the forwarding module includes：
Inquiry submodule, the affiliated bank of the account for inquiring about the gathering object binding；
Second processing submodule, if affiliated bank and the Bank application for the account of the gathering object binding
Affiliated bank is different, using the affiliated bank of the account of the gathering object binding as third party bank；
Forwarding submodule, for the transfer amounts in current account to be forwarded into the third party bank, by the described 3rd
Be forwarded to transfer amounts in the account of the gathering object binding by Fang Yinhang.
Preferably, the transfer device also includes：
Output module, for when the Bank application opens up bank account, the prompt message at I classes family to be bound in output, and
Bound with the bank account at the I classes family that user is selected；
The determining module, is additionally operable to determine user in the corresponding social networks chain information of social platform；
Module is set up, the incidence relation for setting up the social networks chain information and the Bank application, to realize
State the binding of Bank application and social networks chain information.
Preferably, the output module, is additionally operable to when account prompt message is received, and output is described to point out letter to account
Breath, the specific details of account are viewed for user to account prompt message based on described in the account to account.
Transfer account method proposed by the present invention and device, first in Bank application, determine to receive based on the user characteristics for receiving
Money object, then inquires about the account of the gathering object binding, then the transfer amounts in current account are forwarded into the gathering
In the account of object binding, to realize transferring accounts, the card number of gathering object is manually entered again without user, the object that need not also collect money enters
Row manual confirmation completes to transfer accounts, and can be forwarded directly to transfer amounts in the account of gathering object by the present invention, improve what is transferred accounts
Convenience and security, also further increasing the intelligent of the mode of transferring accounts.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of transfer account method preferred embodiment of the present invention；
Fig. 2 is the refinement schematic flow sheet of step S10 in Fig. 1；
Fig. 3 is the refinement schematic flow sheet of step S20 in Fig. 1；
Fig. 4 is the refinement schematic flow sheet of step S30 in Fig. 1；
Fig. 5 is the high-level schematic functional block diagram of transfer device preferred embodiment of the present invention；
Fig. 6 is the refinement high-level schematic functional block diagram of determining module 10 in Fig. 5；
Fig. 7 is the refinement high-level schematic functional block diagram of enquiry module 20 in Fig. 5；
Fig. 8 is the refinement high-level schematic functional block diagram of forwarding module 30 in Fig. 5.
The realization of the object of the invention, functional characteristics and advantage will be described further referring to the drawings in conjunction with the embodiments.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly：First in Bank application, determined based on the user characteristics for receiving
Gathering object, then inquires about the account of the gathering object binding, then the transfer amounts in current account are forwarded into the receipts
In the account of money object binding, to realize transferring accounts.To solve existing mode of transferring accounts, cumbersome, security and it is intelligent all
Relatively low problem.
The present invention provides a kind of transfer account method.
Reference picture 1, Fig. 1 is the schematic flow sheet of transfer account method first embodiment of the present invention.
In the present embodiment, the transfer account method includes：
In Bank application, gathering object is determined based on the user characteristics for receiving；The inquiry gathering object binding
Account；Transfer amounts in bank account are forwarded in the account of the gathering object binding.
In the present embodiment, the transfer account method is preferably applied in terminal, and the terminal is provided with Bank application
The mode of transferring accounts in terminal, i.e. the present embodiment is realized by the Bank application in terminal.The terminal includes not limiting
In the intelligent terminal of user, such as mobile phone, PAD or intelligent watch terminal, the Bank application is not limited, according to actual needs
It is configured.
Wherein, before the step of described " in Bank application, gathering object being determined based on the user characteristics for receiving ", institute
Stating transfer account method includes：
1st, when the Bank application opens up bank account, the prompt message at output binding I classes family, and user is selected
Bound with the bank account at I classes family；And
2nd, determine user in the corresponding social networks chain information of social platform；
3rd, set up the incidence relation of the social networks chain information and the Bank application, with realize the Bank application with
The binding of social networks chain information.
That is, before being transferred accounts by Bank application, I classes family is first bound in the bank account of Bank application, and
The social networks chain information of user bound in Bank application.Specifically, Bank application can be first logged in user, and in silver
In row application during login account, user is pointed out bind I classes family in bank account, when the selected I class family of user is detected,
The I classes family that user is selected is bound with the bank account, subsequently, is carried out from the bank account by the amount of money transferred accounts
Produce.
Meanwhile, when registering bank account in Bank application, point out user binding social networks chain information, certainly, also may be used
During follow-up use, if detecting unbound social networks chain information, to reresent user and be bound.It is social in binding
Before relation chain information, first determine that user, in the corresponding social networks chain information of social platform, then sets up the social networks
The incidence relation of chain information and the Bank application, it is described to realize the binding of the Bank application and social networks chain information
Social networks chain information, including cell phone system address list, wechat address list, QQ address lists etc..In the present embodiment, can be simultaneously
Bind various different social networks chain informations, it is also possible to only bind one kind therein, do not limit specifically.
Operated more than, you can the I classes family of bank account is bound in Bank application, and is bound in Bank application
The social networks chain information of user.
It should be appreciated that the I classes family mentioned in this programme, i.e., the account for being opened up in cabinet face in traditional sense, can access existing
Gold, with the account managed money matters, transfer accounts, pay the fees, pays etc., such as the bank card account of various banks；
II classes family hereinafter can be also referred to, the II classes family refers to that can meet direct selling bank, financial management in the Internet product etc. to pay
Demand, it is impossible to access the account of cash, consumption and payment and payment odd-numbered day not more than 10,000, such as Web bank of each big bank
Account.
The following is the specific steps transferred accounts are done step-by-step in the present embodiment：
Step S10, in Bank application, gathering object is determined based on the user characteristics for receiving；
That is, in the case where Bank application starts, if receiving user is based on the use that the default interface of Bank application is input into
Family feature, gathering object is determined based on the user characteristics for receiving, wherein, the user characteristics is included but is not limited to：User's hand
Machine number, ID, address name, user social platform identification information, such as micro-signal, No. QQ, using the pet name, the use
Family feature is actually the identification information that can uniquely determine user.Specifically, reference picture 2, the step S10 includes：
Step S11, in Bank application, extracts the social networks chain information of association；
Step S12, in the social networks chain information for extracting, determines that gathering is right based on the user characteristics for receiving
As.
That is, in Bank application, the social networks chain information of association binding in advance is first extracted, is had been mentioned above, can
To be only to associate a kind of social networks chain information in advance, such as wechat address list, or various social networks are associated with advance
Chain information, such as wechat address list and QQ address lists.So, after the social networks chain information for extracting association, you can carrying
In the social networks chain information for taking, the user characteristics based on user input determines gathering object, specifically, the step
The implementation method of S12 includes：
1) mode one, the step S12 include：
Step a, in the social networks chain information for extracting, receives the identification information of the gathering object of user input；
Step b, gathering object is determined based on the identification information for receiving, wherein, the identification information includes name；
I.e., it is possible in the social networks chain information for extracting, the identification information of the gathering object of user input is received,
Such as collect money the cell-phone number of object, micro-signal, using the pet name, name or No. QQ, due to being collected money by user input
The identification information of object, and social networks chain information potentially includes multiple, as such, it can be that the Bank application provides one searching
Rope window, the identification information of object of being collected money by user input, terminal searches for the gathering right in each social networks chain of association
The identification information of elephant, to determine final gathering object, the process is visual process, can be presented to user and check.
Further, it is also possible to the identification information of the gathering object according to user input, determines social networks chain letter to be searched
Breath, it is determined that social networks chain information in, yet further go to determine gathering object, such as naming rule of micro-signal and No. QQ
Naming rule it is different, then the specific rules of the identification information of the gathering object according to user input, you can right to locking onto
The social networks chain information answered, then carry out the matching of gathering object.
2) mode two, the step S12 include：
Step c, in the social networks chain information for extracting, shows the selection interface of associated person information；
Step d, using contact person of the user based on selection interface selection as gathering object.
That is, in the social networks chain information for extracting, the selection interface of associated person information is directly displayed, then in the choosing
Selecting when detect user in interface and clicking on any one contact person, you can the contact person for clicking on user is used as gathering object.Work as society
When handing over relation chain information including multiple, the selection interface of social networks chain information can be first exported, so that user selects one of them
Social networks chain information, carries out the selected of object of collecting money.
It should be appreciated that in aforesaid way two, directly in selection interface, contact person is selected as gathering object, without defeated
The information such as access customer mark, name and card number will be input into relative to existing any bank transfer, and the present embodiment is equivalent to province
The process of input card number has been omited, the convenience that gathering object determines has been further increasing.
Further, in order to improve the security transferred accounts, the step d includes：
Step d1, when contact person of the user based on selection interface selection is detected, shows name input window, with
For the name of contact person described in user input；
Step d2, is verifying the name of the contact person without mistaking, using the contact person as gathering object.
Safer consideration is based on, in the present embodiment, the contact that the selection interface is selected is based on user is detected
During people, while requiring the name of the contact person of user input selection ensures security.
Step S20, inquires about the account of the gathering object binding；
After determining gathering object based on the user characteristics for receiving in the Bank application, you can the inquiry gathering object
The account of binding.Specifically, the type of the account that the gathering object is opened up in the social networks chain information is recognized, according to
The selection of the type and user of identification determines the account of gathering object binding, wherein, the implementation method bag of the step S20
Include：
If 1) type of the account that mode one, the gathering object are opened up in the social networks chain information is I classes family,
And user selection transfer accounts in I classes family, you can directly using the account as gathering object binding account.
If 2) type of the account that mode two, the gathering object are opened up in the social networks chain information is II classes
Family, II classes family is hereinbefore had been explained, and user's selection is transferred accounts in II classes family, now, can directly by the II classes family
Account as gathering object binding account.
3) mode three, reference picture 3, the step S20 include：
Step S21, recognizes the type of the account that the gathering object is opened up in the social networks chain information；
Step S22, when the type of the account for opening up is II classes family, if user's selection is transferred accounts in I classes family, it is determined that described
The I classes family of II classes family association in advance；
Step S23, account of the I classes family that the II classes family is associated in advance as the gathering object binding.
That is, the exportable selection interface of the present embodiment, so that user's selection is transferred accounts into I classes family or II classes family, if knowing
The type for being clipped to the current account for opening up is II classes family, and user's selection is transferred accounts in I classes family, then first determine the II classes family thing
The I classes family for first associating, then using the II classes family in advance association I classes family as it is described gathering object binding account, subsequently
Transfer amounts are forwarded in the I classes family.It should be appreciated that user can only open up an I classes family in every bank at present,
Remaining account newly opened is II classes family, without the II classes family that cabinet dough figurine work was examined, it is necessary to an I class is bound when opening
Family.Therefore, when the type of the account for opening up is II class families, the I classes family of II classes family association in advance is determined, so as to by described in
II classes family in advance association I classes family as it is described gathering object binding account.
Step S30, the transfer amounts in bank account are forwarded in the account of the gathering object binding.
After the account for inquiring the gathering object binding, the transfer amounts in current bank account are gone to described
In the account of object binding of collecting money.Specifically, reference picture 4, the step S30 includes：
Step S31, inquires about the affiliated bank of the account of the gathering object binding；
Step S32, if the affiliated bank of affiliated bank and the Bank application of the account of the gathering object binding is not
Together, using the affiliated bank of the account of the gathering object binding as third party bank；
Transfer amounts in current account are forwarded to the third party bank by step S33, will by the third party bank
Transfer amounts are forwarded in the account of the gathering object binding.
That is, the affiliated bank of the account of the gathering object binding is first inquired about, then by the account of the gathering object binding
The affiliated bank at family compares with the affiliated bank of the Bank application, if the affiliated bank of the account of the gathering object binding
Affiliated bank from the Bank application is different, now, using the affiliated bank of the account of the gathering object binding as the 3rd
Fang Yinhang, and the transfer amounts in current account are forwarded into the third party bank, will be transferred accounts gold by the third party bank
Volume is forwarded in the account of the gathering object binding.That is, when the side of transferring accounts and beneficiary are subordinate to different bank, first by
The bank of the side of transferring accounts goes to transfer amounts in the bank of beneficiary, then transfer amounts are transferred accounts to the receipts by beneficiary bank
In the account of money object binding.
It should be appreciated that in this implementation, the bank card of other rows can be forwarded directly to, it is also possible to be forwarded in II classes family,
Can also be forwarded in the I classes family of II classes family association so that the mode of bank transfer, it is more flexibly, unrestricted.
Further, the transfer account method also includes：
When account prompt message is received, output is described to account prompt message, for user based on described to account prompting
Information, views the specific details of account in the account to account.
In the present embodiment, the terminal can not only be transferred accounts by Bank application, can also receive other terminals
The amount of money transferred accounts by Bank application.When the terminal receives account prompt message, first output is described in default interface
To account prompt message, account prompt message is such as shown in locking screen interface, or be shown in the predeterminable area of mobile phone display screen
Account prompt message, the specific details of account are viewed for user to account prompt message based on described in the account to account.That is,
When terminal receives the amount of money that other terminals are transferred accounts, the information such as the amount of money of account directly can be inquired in the account to account i.e.
Can, confirm without clicking on manually again, improve the convenience transferred accounts and intelligent.
The transfer account method that the present embodiment is proposed, first in Bank application, determines that gathering is right based on the user characteristics for receiving
As then inquiring about the account of the gathering object binding, then the transfer amounts in current account are forwarded into the gathering object
In the account of binding, to realize transferring accounts, the card number of gathering object is manually entered again without user, the object that need not also collect money carries out hand
Dynamic to confirm that completion is transferred accounts, can be forwarded directly to transfer amounts in the account of gathering object by the present invention, improve the facility transferred accounts
Property and security, also further increasing the intelligent of the mode of transferring accounts.
The present invention further provides a kind of transfer device.
Reference picture 5, Fig. 5 is the high-level schematic functional block diagram of transfer device first embodiment of the present invention.
It is emphasized that it will be apparent to those skilled in the art that functional block diagram shown in Fig. 5 is only one preferably real
The exemplary plot of example is applied, those skilled in the art can easily carry out new work(around the functional module of the transfer device shown in Fig. 5
The supplement of energy module；The title of each functional module is self-defined title, is only used for aiding in each program for understanding the transfer device
Functional block, is not used in restriction technical scheme, and the core of technical solution of the present invention is, the function mould of each self-defined title
The function to be reached of block.
In the present embodiment, the transfer device includes：
Determining module 10, in Bank application, gathering object being determined based on the user characteristics for receiving；
Enquiry module 20, the account for inquiring about the gathering object binding；
Forwarding module 30, for the transfer amounts in bank account to be forwarded in the account of the gathering object binding.
In the present embodiment, the transfer device is preferably applied in terminal, and the terminal is provided with Bank application
The mode of transferring accounts in terminal, i.e. the present embodiment is realized by the Bank application in terminal.The terminal includes not limiting
In the intelligent terminal of user, such as mobile phone, PAD or intelligent watch terminal, the Bank application is not limited, according to actual needs
It is configured.
Wherein, described " determining module 10 in Bank application, gathering object being determined based on the user characteristics for receiving " it
Before, the I classes family of bank account is first bound in Bank application, and the social networks chain of user bound is believed in Bank application
Breath, specifically, is realized, the module includes output module, determining module and sets up module by presetting module；
Wherein, the output module, for when the Bank application opens up bank account, carrying for I classes family to be bound in output
Show information, and the I classes family that user is selected is bound with the bank account；
The determining module, is additionally operable to determine user in the corresponding social networks chain information of social platform；
It is described to set up module, the incidence relation for setting up the social networks chain information and the Bank application, with reality
The binding of the existing Bank application and social networks chain information.
That is, before being transferred accounts by Bank application, I classes family is first bound in the bank account of Bank application, and
The social networks chain information of user bound in Bank application.Specifically, Bank application can be first logged in user, and in silver
In row application during login account, output module prompting user binds I classes family in bank account, selected one user is detected
During I class families, the I classes family that user is selected is bound with the bank account, subsequently, from bank's account by the amount of money transferred accounts
Produced in family.
Meanwhile, when registering bank account in Bank application, point out user binding social networks chain information, certainly, also may be used
During follow-up use, if detecting unbound social networks chain information, to reresent user and be bound.It is social in binding
Before relation chain information, determining module first determines that user, in the corresponding social networks chain information of social platform, then sets up module
The incidence relation of the social networks chain information and the Bank application is set up, to realize the Bank application and social networks chain
The binding of information, the social networks chain information, including cell phone system address list, wechat address list, QQ address lists etc..This reality
Apply in example, can simultaneously bind various different social networks chain informations, it is also possible to only bind one kind therein, do not limit specifically
It is fixed.
Operated more than, you can the I classes family of bank account is bound in Bank application, and is bound in Bank application
The social networks chain information of user.
It should be appreciated that the I classes family mentioned in this programme, i.e., the account for being opened up in cabinet face in traditional sense, can access existing
Gold, with the account managed money matters, transfer accounts, pay the fees, pays etc., such as the bank card account of various banks；
II classes family hereinafter can be also referred to, the II classes family refers to that can meet direct selling bank, financial management in the Internet product etc. to pay
Demand, it is impossible to access the account of cash, consumption and payment and payment odd-numbered day not more than 10,000, such as Web bank of each big bank
Account.
The following is the concrete function of the modules for realizing transferring accounts in the present embodiment：
Wherein, the determining module 10, in Bank application, determining that gathering is right based on the user characteristics for receiving
As；
That is, in the case where Bank application starts, if receiving user is based on the use that the default interface of Bank application is input into
Family feature, the user characteristics that determining module 10 is based on receiving determines gathering object, wherein, the user characteristics includes but does not limit
In：User mobile phone number, ID, address name, user social platform identification information, such as micro-signal, No. QQ, using the pet name
Deng the user characteristics is actually the identification information that can uniquely determine user.Specifically, reference picture 6, the determining module
10 include：
Extracting sub-module 11, in Bank application, extracting the social networks chain information of association；
First determination sub-module 12, it is special based on the user for receiving in the social networks chain information for extracting
Levy determination gathering object.
That is, in Bank application, extracting sub-module 11 first extracts the social networks chain information of association binding in advance, above
It has been already mentioned that can only associate a kind of social networks chain information in advance, such as wechat address list, or it be associated with advance many
Plant social networks chain information, such as wechat address list and QQ address lists.So, extract association social networks chain information it
Afterwards, the first determination sub-module 12 can be in the social networks chain information for extracting, and the user characteristics based on user input is true
Surely collect money object, specifically, the implementation method of first determination sub-module 12 includes：
1) mode one, first determination sub-module 12 include：
Receiving unit, the mark of the gathering object in the social networks chain information for extracting, receiving user input
Knowledge information；
Determining unit, for determining gathering object based on the identification information for receiving, wherein, the identification information includes surname
Name；
That is, receiving unit in the social networks chain information for extracting, can receive the gathering object of user input
Identification information, such as the gathering cell-phone number of object, micro-signal, using the pet name, name or No. QQ, due to being in this case by user
The identification information of input gathering object, and social networks chain information potentially includes multiple, as such, it can be that the Bank application is carried
For a search window, the identification information of object of being collected money by user input, determining unit in each social networks chain of association,
The identification information of the gathering object is searched for, to determine final gathering object, the process is visual process, can be presented to use
Family is checked.
Further, it is also possible to the identification information of the gathering object according to user input, determining unit determines social activity to be searched
Relation chain information, it is determined that social networks chain information in, yet further go determine gathering object, such as micro-signal name rule
Naming rule then with No. QQ is different, then the specific rules of the identification information of the gathering object according to user input, you can arrive
Lock onto corresponding social networks chain information, then the matching for carrying out gathering object.
2) mode two, first determination sub-module 12 include：
Display unit, in the social networks chain information for extracting, showing the selection interface of associated person information；
Processing unit, for using user be based on the selection interface selection contact person as gathering object.
That is, display unit directly displays the selection interface of associated person information, then in the social networks chain information for extracting
When user is detected in the selection interface clicking on any one contact person, the contact person that processing unit can click on user makees
It is gathering object.When social networks chain information includes multiple, can first export the selection interface of social networks chain information, for
Family selects one of social networks chain information, carries out the selected of object of collecting money.
It should be appreciated that in aforesaid way two, directly in selection interface, contact person is selected as gathering object, without defeated
The information such as access customer mark, name and card number will be input into relative to existing any bank transfer, and the present embodiment is equivalent to province
The process of input card number has been omited, the convenience that gathering object determines has been further increasing.
Further, in order to improve the security transferred accounts, the processing unit includes：
Display subelement, for when contact person of the user based on selection interface selection is detected, display name to be defeated
Enter window, for the name of contact person described in user input；
Treatment subelement, for verifying the name of the contact person without mistaking, using the contact person as gathering object.
Safer consideration is based on, in the present embodiment, the contact that the selection interface is selected is based on user is detected
During people, while requiring the name of the contact person of user input selection ensures security.
Wherein, the enquiry module 20, the account for inquiring about the gathering object binding；
After determining gathering object based on the user characteristics for receiving in the Bank application, enquiry module 20 can inquiry institute
State the account of gathering object binding.Specifically, the account that the gathering object is opened up in the social networks chain information is recognized
Type, according to identification type and user selection determine gathering object binding account, wherein, the enquiry module 20
Implementation method include：
If 1) type of the account that mode one, the gathering object are opened up in the social networks chain information is I classes family,
And user selection transfer accounts in I classes family, you can directly using the account as gathering object binding account.
If 2) type of the account that mode two, the gathering object are opened up in the social networks chain information is II classes
Family, II classes family is hereinbefore had been explained, and user's selection is transferred accounts in II classes family, now, can directly by the II classes family
Account as gathering object binding account.
3) mode three, reference picture 7, the enquiry module 20 include：
Identification submodule 21, the class for recognizing the account that the gathering object is opened up in the social networks chain information
Type；
Second determination sub-module 22, is II classes family for the type when the account for opening up, if user's selection is transferred accounts to I classes family
In, it is determined that the I classes family of II classes family association in advance；
First treatment submodule 23, for using the I classes family of II classes family association in advance as the gathering object binding
Account.
That is, the exportable selection interface of the present embodiment, so that user's selection is transferred accounts into I classes family or II classes family, if knowing
The type that small pin for the case module 21 recognizes the current account for opening up is II classes family, and user's selection is transferred accounts in I classes family, then second is true
Stator modules 22 determine the I classes family of II classes family association in advance, and then the first treatment submodule 23 is prior by the II classes family
Subsequently be forwarded to transfer amounts in the I classes family as the account of the gathering object binding by the I classes family of association.Should
Work as understanding, current user can only open up an I classes family in every bank, and remaining account newly opened is II classes family, without cabinet
The II classes family that dough figurine work was examined, it is necessary to an I classes family is bound when opening.Therefore, when the type of the account for opening up is II classes
During family, determine the I classes family of II classes family association in advance, so as to using the I classes family of II classes family association in advance as the receipts
The account of money object binding.
Wherein, the forwarding module 30, for the transfer amounts in bank account to be forwarded into the gathering object binding
Account in.
After the account for inquiring the gathering object binding, forwarding module 30 is by the gold of transferring accounts in current bank account
Volume is gone in the account of the gathering object binding.Specifically, reference picture 8, the forwarding module 30 includes：
Inquiry submodule 31, the affiliated bank of the account for inquiring about the gathering object binding；
Second processing submodule 32, if affiliated bank and the Bank application for the account of the gathering object binding
Affiliated bank it is different, using the affiliated bank of the account of the gathering object binding as third party bank；
Forwarding submodule 33, for the transfer amounts in current account to be forwarded into the third party bank, by described the
Be forwarded to transfer amounts in the account of the gathering object binding by tripartite bank.
That is, inquiry submodule 31 first inquires about the affiliated bank of the account of the gathering object binding, then second processing
Module 32 compares the affiliated bank of account of the gathering object binding with the affiliated bank of the Bank application, if described
The affiliated bank of the account of gathering object binding is different from the affiliated bank of the Bank application, now, by the gathering object
Transfer amounts in current account are forwarded to institute by the affiliated bank of the account of binding as third party bank, forwarding submodule 33
Third party bank is stated, transfer amounts are forwarded in the account of the gathering object binding by the third party bank.Namely
Say, when the side of transferring accounts and beneficiary are subordinate to different bank, transfer amounts are first gone to the bank of beneficiary by the bank of the side of transferring accounts
In, then transfer amounts are transferred accounts into the account of the gathering object binding by beneficiary bank.
It should be appreciated that in this implementation, the bank card of other rows can be forwarded directly to, it is also possible to be forwarded in II classes family,
Can also be forwarded in the I classes family of II classes family association so that the mode of bank transfer, it is more flexibly, unrestricted.
Further, the output module, is additionally operable to when account prompt message is received, and output is described to point out letter to account
Breath, the specific details of account are viewed for user to account prompt message based on described in the account to account.
In the present embodiment, the terminal can not only be transferred accounts by Bank application, can also receive other terminals
The amount of money transferred accounts by Bank application.When account prompt message is received, first output is described in default interface for output module
To account prompt message, account prompt message is such as shown in locking screen interface, or be shown in the predeterminable area of mobile phone display screen
Account prompt message, the specific details of account are viewed for user to account prompt message based on described in the account to account.That is,
When receiving the amount of money that other terminals are transferred accounts, the information such as the amount of money of account, nothing can be directly inquired in the account to account
Confirmation must be manually clicked on again, improve the convenience transferred accounts and intelligent.
The transfer device that the present embodiment is proposed, first in Bank application, determines that gathering is right based on the user characteristics for receiving
As then inquiring about the account of the gathering object binding, then the transfer amounts in current account are forwarded into the gathering object
In the account of binding, to realize transferring accounts, the card number of gathering object is manually entered again without user, the object that need not also collect money carries out hand
Dynamic to confirm that completion is transferred accounts, can be forwarded directly to transfer amounts in the account of gathering object by the present invention, improve the facility transferred accounts
Property and security, also further increasing the intelligent of the mode of transferring accounts.
It should be noted that herein, term " including ", "comprising" or its any other variant be intended to non-row
His property is included, so that process, method, article or device including a series of key elements not only include those key elements, and
And also include other key elements being not expressly set out, or also include for this process, method, article or device institute are intrinsic
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there is other identical element in the process of key element, method, article or device.
The embodiments of the present invention are for illustration only, and the quality of embodiment is not represented.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably implementation method.Based on such understanding, technical scheme is substantially done to prior art in other words
The part for going out contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used to so that a station terminal equipment (can be mobile phone, computer, clothes
Business device, air-conditioner, or network equipment etc.) perform method described in each embodiment of the invention.
The preferred embodiments of the present invention are these are only, the scope of the claims of the invention is not thereby limited, it is every to utilize this hair
Equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (16)
1. a kind of transfer account method, it is characterised in that the transfer account method includes：
In Bank application, gathering object is determined based on the user characteristics for receiving；
The account of the inquiry gathering object binding；
Transfer amounts in bank account are forwarded in the account of the gathering object binding.
2. transfer account method as claimed in claim 1, it is characterised in that described in Bank application, based on the user for receiving
The step of feature determines gathering object includes：
In Bank application, the social networks chain information of association is extracted；
In the social networks chain information for extracting, gathering object is determined based on the user characteristics for receiving.
3. transfer account method as claimed in claim 2, it is characterised in that described in the social networks chain information for extracting,
The step of determining gathering object based on the user characteristics for receiving includes：
In the social networks chain information for extracting, the identification information of the gathering object of user input is received；
Gathering object is determined based on the identification information for receiving, wherein, the identification information includes name；
Or, in the social networks chain information for extracting, show the selection interface of associated person information；
Using contact person of the user based on selection interface selection as gathering object.
4. transfer account method as claimed in claim 3, it is characterised in that the connection that user is based on selection interface selection
The step of being people as gathering object includes：
When contact person of the user based on selection interface selection is detected, name input window is shown, for user input
The name of the contact person；
The name of the contact person is being verified without mistaking, using the contact person as gathering object.
5. transfer account method as claimed in claim 2, it is characterised in that the step of the account of the inquiry gathering object binding
Suddenly include：
The type of the account that the identification gathering object is opened up in the social networks chain information；
When the type of the account for opening up is II classes family, if user's selection is transferred accounts in I classes family, it is determined that close in advance at the II classes family
The I classes family of connection；
Account of the I classes family that the II classes family is associated in advance as the gathering object binding.
6. transfer account method as claimed in claim 1, it is characterised in that the transfer amounts by bank account are forwarded to institute
The step stated in the account of gathering object binding includes：
The affiliated bank of the account of the inquiry gathering object binding；
If the affiliated bank of the account of the gathering object binding is different from the affiliated bank of the Bank application, by the gathering
The affiliated bank of the account of object binding is used as third party bank；
Transfer amounts in current account are forwarded to the third party bank, transfer amounts is forwarded by the third party bank
Into the account of the gathering object binding.
7. the transfer account method as described in claim any one of 2-5, it is characterised in that described in Bank application, based on reception
Before the step of user characteristics for arriving determines gathering object, the transfer account method also includes：
When the Bank application opens up bank account, the prompt message at output binding I classes family, and the I classes family that user is selected
Bound with the bank account；And
Determine user in the corresponding social networks chain information of social platform；
The incidence relation of the social networks chain information and the Bank application is set up, to realize that the Bank application is closed with social
The binding of tethers information.
8. transfer account method as claimed in claim 7, it is characterised in that the transfer account method also includes：
When account prompt message is received, output is described to account prompt message, for user based on described to account prompt message,
The specific details of account are viewed in the account to account.
9. a kind of transfer device, it is characterised in that the transfer device includes：
Determining module, in Bank application, gathering object being determined based on the user characteristics for receiving；
Enquiry module, the account for inquiring about the gathering object binding；
Forwarding module, for the transfer amounts in bank account to be forwarded in the account of the gathering object binding.
10. transfer device as claimed in claim 9, it is characterised in that the determining module includes：
Extracting sub-module, in Bank application, extracting the social networks chain information of association；
First determination sub-module, in the social networks chain information for extracting, being determined based on the user characteristics for receiving
Gathering object.
11. transfer devices as claimed in claim 10, it is characterised in that first determination sub-module includes：
Receiving unit, the mark letter of the gathering object in the social networks chain information for extracting, receiving user input
Breath, wherein, the identification information includes name；
Determining unit, for determining gathering object based on the identification information for receiving；
Or；
Display unit, in the social networks chain information for extracting, showing the selection interface of associated person information；
Processing unit, for using user be based on the selection interface selection contact person as gathering object.
12. transfer devices as claimed in claim 11, it is characterised in that the processing unit includes：
Display subelement, for when contact person of the user based on selection interface selection is detected, showing name input window
Mouthful, for the name of contact person described in user input；
Treatment subelement, for verifying the name of the contact person without mistaking, using the contact person as gathering object.
13. transfer devices as claimed in claim 10, it is characterised in that the enquiry module includes：
Identification submodule, the type for recognizing the account that the gathering object is opened up in the social networks chain information；
Second determination sub-module, is II classes family for the type when the account for opening up, if user's selection is transferred accounts in I classes family,
Determine the I classes family of II classes family association in advance；
First treatment submodule, for using the II classes family in advance association I classes family as it is described gathering object binding account.
14. transfer devices as claimed in claim 9, it is characterised in that the forwarding module includes：
Inquiry submodule, the affiliated bank of the account for inquiring about the gathering object binding；
Second processing submodule, if for it is described gathering object binding account affiliated bank with belonging to the Bank application
Bank is different, using the affiliated bank of the account of the gathering object binding as third party bank；
Forwarding submodule, for the transfer amounts in current account to be forwarded into the third party bank, by third party silver
It is about to transfer amounts to be forwarded in the account of the gathering object binding.
15. transfer device as described in claim any one of 10-13, it is characterised in that the transfer device also includes：
Output module, for when the Bank application opens up bank account, the prompt message at I classes family to be bound in output, and will be used
Bound with the bank account at the selected I classes family in family；
The determining module, is additionally operable to determine user in the corresponding social networks chain information of social platform；
Module is set up, the incidence relation for setting up the social networks chain information and the Bank application, to realize the silver
Row applies the binding with social networks chain information.
16. transfer devices as claimed in claim 15, it is characterised in that the output module, are additionally operable to receiving account
During prompt message, output is described to account prompt message, is looked into the account to account to account prompt message based on described for user
See the specific details of account.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710077492.8A CN106815723A (en) | 2017-02-10 | 2017-02-10 | Transfer account method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710077492.8A CN106815723A (en) | 2017-02-10 | 2017-02-10 | Transfer account method and device |
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| CN106815723A true CN106815723A (en) | 2017-06-09 |
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| CN201710077492.8A Pending CN106815723A (en) | 2017-02-10 | 2017-02-10 | Transfer account method and device |
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| CN107610370A (en) * | 2017-08-29 | 2018-01-19 | 深圳怡化电脑股份有限公司 | Not plug-in card ATM and not plug-in card financial trade method |
| CN109242472A (en) * | 2018-08-28 | 2019-01-18 | 深圳市必发达科技有限公司 | Wechat barcode scanning mode of payment, storage medium and computer equipment |
| CN109697607A (en) * | 2018-12-28 | 2019-04-30 | 中国银联股份有限公司 | A kind of Electronic Transfer method, apparatus and storage medium |
| CN110827035A (en) * | 2019-11-06 | 2020-02-21 | 支付宝(杭州)信息技术有限公司 | Verification method and device for collection account |
| CN111353774A (en) * | 2020-02-26 | 2020-06-30 | 中国邮政储蓄银行股份有限公司 | Method and device for processing transfer information |
| CN111429124A (en) * | 2019-01-10 | 2020-07-17 | 达声蔚 | Transfer method, device, storage medium and terminal based on face recognition |
| TWI772639B (en) * | 2019-04-29 | 2022-08-01 | 第一商業銀行股份有限公司 | Transfer system and method for generating transfer object list |
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Application publication date: 20170609 |