CN106845959A - Transfer account method and device - Google Patents
Transfer account method and device Download PDFInfo
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- CN106845959A CN106845959A CN201710046773.7A CN201710046773A CN106845959A CN 106845959 A CN106845959 A CN 106845959A CN 201710046773 A CN201710046773 A CN 201710046773A CN 106845959 A CN106845959 A CN 106845959A
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- Prior art keywords
- transfer
- account
- money
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- amount
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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
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
Abstract
The invention discloses a kind of transfer account method, the method comprising the steps of：When transfer instructions are received, whether detection receives the account amount of money of the transfer instructions corresponding account less than the corresponding transfer amounts of the transfer instructions；If the account amount of money is less than the transfer amounts, judge the account amount of money and the account can borrowing balance sum whether more than or equal to the transfer amounts；If the account amount of money and it is described can borrowing balance sum be more than or equal to the transfer amounts, according to the transfer instructions perform transfer operation.The invention also discloses a kind of transfer device.The present invention is realized when account amount of money is less than transfer amounts, such as transfer operation can be completed to bank loan where the account by completing transfer operation to corresponding mechanism loaning bill, to improve success rate 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
In transfer procedure, only when account amount of money is more than or equal to transfer amounts, transfer operation can be just completed.
When account amount of money is less than transfer amounts, it is impossible to complete transfer operation.If user wants to be less than transfer amounts in account amount of money
When complete transfer operation, it is necessary to be first stored in certain amount of money in the account, making the account amount of money be more than transfer amounts.
The content of the invention
It is a primary object of the present invention to provide a kind of transfer account method and device, it is intended to solve existing account amount of money and be less than
During transfer amounts, the technical problem of failure of transferring accounts.
To achieve the above object, the present invention provides a kind of transfer account method, and the transfer account method includes step：
When transfer instructions are received, whether detection receives the account amount of money of the transfer instructions corresponding account less than institute
State the corresponding transfer amounts of transfer instructions；
If the account amount of money is less than the transfer amounts, the borrowed money gold of the account amount of money and the account is judged
Whether volume sum is more than or equal to the transfer amounts；
If the account amount of money and it is described can borrowing balance sum be more than or equal to the transfer amounts, according to described
Transfer instructions perform transfer operation.
Preferably, if the account amount of money be less than the transfer amounts, judge the account amount of money and it is described can
The step of whether borrowing balance sum is more than or equal to the transfer amounts include：
If the account amount of money is less than the transfer amounts, detect whether the account once borrowed money, and whether on time
Refund；
If the account was once borrowed money and refunded on time, or the account was not borrowed money, then judge the account amount of money and institute
State can borrowing balance sum whether more than or equal to the transfer amounts.
Preferably, if the account amount of money is less than the transfer amounts, detect whether the account once borrowed money, with
And whether on time refund the step of after, also include：
If the account was once borrowed money and do not refunded on time, point out to borrow money overdue.
Preferably, if the account amount of money is less than the transfer amounts, the account amount of money and the account are judged
Family can borrowing balance sum whether more than or equal to the transfer amounts the step of after, also include：
If the account amount of money and it is described can borrowing balance sum be less than the transfer amounts, point out insufficient funds.
Preferably, the step of execution transfer operation according to the transfer instructions includes：
User is pointed out to confirm loaning bill information and transfer information according to the transfer instructions；
When the confirmation for confirming the loaning bill information and transfer information instruction is received, user input trading password is pointed out；
Verify the correctness of the trading password；
When the trading password is correct, transfer operation is performed.
Preferably, described when transfer instructions are received, detection receives the account gold of the transfer instructions corresponding account
After the step of whether volume is less than the transfer instructions corresponding transfer amounts, also include：
If the account amount of money is more than or equal to the transfer amounts, the behaviour that transfers accounts is performed according to the transfer instructions
Make.
Additionally, to achieve the above object, the present invention also provides a kind of transfer device, and the transfer device includes：
Detection module, for when transfer instructions are received, detection to receive the account of the transfer instructions corresponding account
Whether the amount of money is less than the corresponding transfer amounts of the transfer instructions；
Judge module, if being less than the transfer amounts for the account amount of money, judges the account amount of money and described
Account can borrowing balance sum whether be more than or equal to the transfer amounts；
Performing module, if for the account amount of money and it is described can borrowing balance sum more than or equal to the gold of transferring accounts
Volume, then perform transfer operation according to the transfer instructions.
Preferably, the judge module includes：
Detection unit, if being less than the transfer amounts for the account amount of money, detects whether the account once borrowed money,
And whether refund on time；
Judging unit, if once borrowed money for the account and refunded on time, or the account was not borrowed money, then judge described
Account amount of money and it is described can borrowing balance sum whether be more than or equal to the transfer amounts.
Preferably, the transfer device also includes：
First reminding module, if once borrowed money for the account and do not refunded on time, points out to borrow money overdue.
Preferably, the transfer device also includes：
Second reminding module, if for the account amount of money and it is described can borrowing balance sum be less than the transfer amounts,
Then point out insufficient funds.
Preferably, the performing module includes：
Tip element, for pointing out user to confirm loaning bill information and transfer information according to the transfer instructions；When receiving
When confirming that the confirmation of the loaning bill information and transfer information is instructed, user input trading password is pointed out；
Authentication unit, the correctness for verifying the trading password；
Execution unit, for when the trading password is correct, performing transfer operation.
Preferably, if the performing module is additionally operable to the account amount of money more than or equal to the transfer amounts, root
Transfer operation is performed according to the transfer instructions.
The present invention is by the way that when transfer instructions are received, detection receives the account amount of money of the transfer instructions corresponding account
Whether the corresponding transfer amounts of the transfer instructions are less than, if the account amount of money is less than the transfer amounts, judge described
Account amount of money and the account can borrowing balance sum whether be more than or equal to the transfer amounts；If the account amount of money
With it is described can borrowing balance sum be more than or equal to the transfer amounts, then according to the transfer instructions perform transfer operation.
Realize when account amount of money is less than transfer amounts, transfer operation can be completed by corresponding mechanism loaning bill, such as to the account
Place bank loan completes transfer operation, to improve success rate 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；
If Fig. 2 be the embodiment of the present invention in the account amount of money be less than the transfer amounts, judge the account amount of money
With it is described can borrowing balance sum whether more than or equal to the transfer amounts a kind of schematic flow sheet；
Fig. 3 is the high-level schematic functional block diagram of transfer device preferred embodiment of the present invention；
Fig. 4 is a kind of high-level schematic functional block diagram of judge module in the embodiment of the present invention.
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 present invention provides a kind of transfer account method.
Reference picture 1, Fig. 1 is the schematic flow sheet of transfer account method preferred embodiment of the present invention.
In the present embodiment, the transfer account method includes：
Step S10, when transfer instructions are received, the account amount of money that detection receives the transfer instructions corresponding account is
No transfer amounts corresponding less than the transfer instructions；
The executive agent of the embodiment of the present invention can be smart mobile phone, panel computer, personal computer and ATM (Automatic
Teller Machine, ATM) equipment such as machine, the non-bank such as smart mobile phone, panel computer and personal computer
Equipment can realize function of transferring accounts by installing corresponding APP.
When the transfer instructions of user's triggering are received, acquisition user input, transfer amounts corresponding with transfer instructions,
And the account amount of money in detection and transfer instructions corresponding account, judge account amount of money whether less than transfer amounts.It is appreciated that
, the information such as payee and gathering card number can be also learnt according to transfer instructions.Receive the account of transfer instructions, i.e. Send only Account
Possess savings function and loaning bill function.
Step S20, if the account amount of money is less than the transfer amounts, judges the account amount of money and the account
Can borrowing balance sum whether be more than or equal to the transfer amounts；
Step S30, if the account amount of money and it is described can borrowing balance sum be more than or equal to the transfer amounts,
Transfer operation is performed according to the transfer instructions.
When account amount of money is less than transfer amounts, obtain account can borrowing balance, calculate account amount of money and can borrow money gold
Volume sum, and judge account amount of money and can borrowing balance sum whether more than or equal to transfer amounts.When account amount of money and can
When borrowing balance sum is more than or equal to transfer amounts, transfer operation is performed according to transfer instructions.It should be noted that the account
Family can borrowing balance by provide this can borrowing balance mechanism according to the credit record of the account, and the factor such as property is true
It is fixed, i.e., this can borrowing balance pre-set.In the present embodiment, can borrowing balance be appreciated that can the amount of the loan.
Further, when account amount of money and can borrowing balance sum be more than or equal to transfer amounts when, point out user choosing
Repayment date, and mode of repayment are selected, mode of repayment includes disposably repaying capital with interest, or repeatedly repays capital with interest.When receiving use
When family selects the operational order of repayment date and mode of repayment, loaning bill information is exported.Loaning bill information include but is not limited to borrowing balance,
Rate per diem, gross interest, repayment date, mode of repayment and borrower.Such as borrowing balance：10000；Rate per diem 0.04%；Gross interest
600.23 (borrow full 30 days and amount to)；Repayment date：2016-12-26；Mode of repayment：Disposably repay capital with interest；Borrower：Wang.
Further, the step of execution transfer operation according to the transfer instructions includes：
Step a, points out user to confirm loaning bill information and transfer information according to the transfer instructions；
Step b, when the confirmation for confirming the loaning bill information and transfer information instruction is received, points out user input transaction
Password；
Step c, verifies the correctness of the trading password；
Step d, when the trading password is correct, performs transfer operation.
During transfer operation is performed according to transfer instructions, user is pointed out to confirm loaning bill information.When receiving user
When confirming that the confirmation of loaning bill information is instructed, according to loaning bill information and account amount of money generation transfer information, and user is pointed out to confirm to be somebody's turn to do
Transfer information.Wherein, the transfer information include but is not limited to transfer amounts, payee name, gathering card number, receiving bank and
Paying bank.
When the confirmation for confirming transfer information instruction is received, user input trading password is pointed out.It is defeated when user is received
During the trading password for entering, the correctness of trading password is verified.If trading password is correct, transfer operation is performed；If trading password
Mistake, then point out user to be input into trading password again.When the trading password number of times of user input is more than preset times, and it is close to conclude the business
When code is all wrong, output prompt message prompting customer transaction code error is transferred accounts unsuccessfully.It should be noted that preset times are
Pre-set, such as may be configured as 3 times or 5 times.Further, after transfer operation is completed, export prompt message to carry
Show that user transfers accounts successfully.After transfer operation is completed, can be sent with trigger message and instructed, to send a notification message to gathering
People, to notify that payee transfers accounts successfully.
Step S40, if the account amount of money and it is described can borrowing balance sum be less than the transfer amounts, point out fund
It is not enough.
When account amount of money and can borrowing balance sum be less than transfer amounts when, output prompt message prompting user fund is not
Foot.Further, when insufficient funds, point out user to change transfer amounts and complete transfer operation, or terminate the behaviour that transfers accounts
Make.Specifically, can also point out user its currently can borrow the amount of money amount, can be completed so that user understands its also poor how many fund
Transfer operation.
Further, the transfer account method also includes：
Step f, if the account amount of money is more than or equal to the transfer amounts, performs according to the transfer instructions and turns
Account is operated.
Further, when account amount of money is more than or equal to transfer amounts, directly performed according to the transfer instructions and transferred accounts
Operation.
The present embodiment is by the way that when transfer instructions are received, detection receives the account gold of the transfer instructions corresponding account
Whether volume is less than the corresponding transfer amounts of the transfer instructions, if the account amount of money is less than the transfer amounts, judges institute
State account amount of money and the account can borrowing balance sum whether more than or equal to the transfer amounts；If the account gold
Volume and it is described can borrowing balance sum be more than or equal to the transfer amounts, then performed according to the transfer instructions and transferred accounts behaviour
Make.Realize when account amount of money is less than transfer amounts, can be by completing transfer operation to corresponding mechanism loaning bill, such as to the account
Bank loan where family completes transfer operation, improving success rate of transferring accounts.
Further, transfer account method second embodiment of the present invention is proposed.
The transfer account method second embodiment is that reference picture 2 is described with the difference of the transfer account method first embodiment
Step S20 includes：
Step S21, if the account amount of money is less than the transfer amounts, detects whether the account once borrowed money, and
Whether refund on time；
Step S22, if the account was once borrowed money and refunded on time, or the account was not borrowed money, then judge the account
The amount of money and it is described can borrowing balance sum whether be more than or equal to the transfer amounts.
When account amount of money is less than transfer amounts, whether whether the detection account once borrowed money, and refund on time.If the account
Family was once borrowed money and was refunded on time, or the account does not borrow money, then calculate account amount of money and can borrowing balance sum, and sentence
Disconnected account amount of money and can borrowing balance sum whether be more than or equal to transfer amounts.It should be noted that refund include on time
User borrows money not yet due, and user borrows money and has expired, but user completes operation of refunding within the payback period.
Further, when account amount of money is less than transfer amounts, judge whether the account has borrowing power.If the user does not have
There is borrowing power, then directly terminate transfer operation；If there is borrowing power the account, whether the detection account once borrowed money, and
Whether refund on time.
Further, the transfer account method also includes：
Step g, if the account was once borrowed money and do not refunded on time, points out to borrow money overdue.
Further, when on time the account once borrowed money and did not refunded, then export prompt message prompting and borrow money overdue.Further
Ground, when borrowing money overdue, points out user to complete transfer operation by changing transfer amounts, or selection directly terminates to turn
Account is operated.It should be noted that account was once borrowed money and do not refunded may include two kinds of situations on time, one kind is the money borrowed the account
Have expired and do not go back also；Another kind is that the money borrowed the account has been gone back, but operation of refunding is completed after the payback period.
The present embodiment increased and borrow by when account amount of money is less than transfer amounts, transfer operation being completed by borrowing money
Money, that is, the usage scenario provided a loan improves the utilization rate and success rate of loan.Meanwhile, make loan function and functional cohesion of transferring accounts
Together, the use flow of loan is simplified.
The present invention further provides a kind of transfer device.
Reference picture 3, Fig. 3 is the high-level schematic functional block diagram of the preferred embodiment of transfer device of the present invention.
It is emphasized that it will be apparent to those skilled in the art that module map shown in Fig. 3 is only a preferred embodiment
Exemplary plot, those skilled in the art can easily carry out the benefit of new module around the module of the transfer device shown in Fig. 3
Fill；The title of each module is self-defined title, is only used for aiding in each program function block for understanding the transfer device, is not used in limit
Determine technical scheme, the core of technical solution of the present invention is, the function to be reached of module of each self-defined title.
In the present embodiment, the transfer device includes：
Detection module 10, for when transfer instructions are received, detection to receive the account of the transfer instructions corresponding account
Whether the family amount of money is less than the corresponding transfer amounts of the transfer instructions；
The executive agent of the embodiment of the present invention can be smart mobile phone, panel computer, personal computer and ATM (Automatic
Teller Machine, ATM) equipment such as machine, the non-bank such as smart mobile phone, panel computer and personal computer
Equipment can realize function of transferring accounts by installing corresponding APP.
When the transfer instructions of user's triggering are received, acquisition user input, transfer amounts corresponding with transfer instructions,
Whether the account amount of money in the detection of detection module 10 and transfer instructions corresponding account, judge account amount of money less than transfer amounts.Can
To understand, the information such as payee and gathering card number can be also learnt according to transfer instructions.Receive the account of transfer instructions, payable at sight
Money account possesses savings function and loaning bill function.
Judge module 20, if being less than the transfer amounts for the account amount of money, judges the account amount of money and institute
State account can borrowing balance sum whether more than or equal to the transfer amounts；
Performing module 30, if for the account amount of money and it is described can borrowing balance sum transferred accounts more than or equal to described
The amount of money, then perform transfer operation according to the transfer instructions.
When account amount of money is less than transfer amounts, obtain account can borrowing balance, calculate account amount of money and can borrow money gold
Volume sum, judge module 20 judge account amount of money and can borrowing balance sum whether more than or equal to transfer amounts.Work as account
The amount of money and can borrowing balance sum when being more than or equal to transfer amounts, performing module 30 is performed according to transfer instructions and transferred accounts behaviour
Make.It should be noted that the account can borrowing balance by provide this can borrowing balance mechanism according to the credit of the account remember
Record, and the factor such as property determines, i.e., this can borrowing balance pre-set.In the present embodiment, can borrowing balance can
Understanding can the amount of the loan.
Further, when account amount of money and can borrowing balance sum be more than or equal to transfer amounts when, point out user choosing
Repayment date, and mode of repayment are selected, mode of repayment includes disposably repaying capital with interest, or repeatedly repays capital with interest.When receiving use
When family selects the operational order of repayment date and mode of repayment, loaning bill information is exported.Loaning bill information include but is not limited to borrowing balance,
Rate per diem, gross interest, repayment date, mode of repayment and borrower.Such as borrowing balance：10000；Rate per diem 0.04%；Gross interest
600.23 (borrow full 30 days and amount to)；Repayment date：2016-12-26；Mode of repayment：Disposably repay capital with interest；Borrower：Wang.
Further, the performing module 30 includes：
Tip element, for pointing out user to confirm loaning bill information and transfer information according to the transfer instructions；When receiving
When confirming that the confirmation of the loaning bill information and transfer information is instructed, user input trading password is pointed out；
Authentication unit, the correctness for verifying the trading password；
Execution unit, for when the trading password is correct, performing transfer operation.
During performing module 30 performs transfer operation according to transfer instructions, Tip element prompting user confirm to borrow money
Information.When the confirmation for receiving user's confirmation loaning bill information is instructed, according to loaning bill information and account amount of money generation transfer information,
Tip element prompting user confirms the transfer information.Wherein, the transfer information includes but is not limited to transfer amounts, payee's surname
Name, gathering card number, receiving bank and paying bank.
When the confirmation for confirming transfer information instruction is received, Tip element prompting user input trading password.Work as reception
To user input trading password when, authentication unit verify trading password correctness.If trading password is correct, execution unit is then
Perform transfer operation；If trading password mistake, Tip element then points out user to be input into trading password again.When the friendship of user input
When easy password number of times is all wrong more than preset times, and trading password, output prompt message prompting customer transaction code error turns
Account fails.It should be noted that preset times pre-set, such as may be configured as 3 times or 5 times.Further, when complete
Into after transfer operation, export prompt message to point out user to transfer accounts successfully.After transfer operation is completed, can be sent out with trigger message
Instruction is sent, to send a notification message to payee, to notify that payee transfers accounts successfully.
Further, the transfer device also includes：
Second reminding module, if for the account amount of money and it is described can borrowing balance sum be less than the transfer amounts,
Then point out insufficient funds.
Further, when account amount of money and can borrowing balance sum be less than transfer amounts when, the second reminding module output carry
Show information alert user's insufficient funds.Further, when insufficient funds, point out user to change transfer amounts and complete to transfer accounts
Operation, or terminate transfer operation.Specifically, can also point out user its currently can borrow the amount of money amount, so that user understands it
Also poor how many funds can complete transfer operation.
Further, if the performing module 30 is additionally operable to the account amount of money more than or equal to the transfer amounts,
Then transfer operation is performed according to the transfer instructions.
Further, when account amount of money is more than or equal to transfer amounts, performing module 30 is directly according to the finger of transferring accounts
Order performs transfer operation.
The present embodiment is by the way that when transfer instructions are received, detection receives the account gold of the transfer instructions corresponding account
Whether volume is less than the corresponding transfer amounts of the transfer instructions, if the account amount of money is less than the transfer amounts, judges institute
State account amount of money and the account can borrowing balance sum whether more than or equal to the transfer amounts；If the account gold
Volume and it is described can borrowing balance sum be more than or equal to the transfer amounts, then performed according to the transfer instructions and transferred accounts behaviour
Make.Realize when account amount of money is less than transfer amounts, can be by completing transfer operation to corresponding mechanism loaning bill, such as to the account
Bank loan where family completes transfer operation, improving success rate of transferring accounts.
Further, transfer device second embodiment of the present invention is proposed.
The transfer device second embodiment is that reference picture 4 is described with the difference of the transfer device first embodiment
Judge module 20 includes：
Detection unit 21, if being less than the transfer amounts for the account amount of money, detects whether the account once borrowed
Money, and whether refund on time；
Judging unit 22, if once borrowed money for the account and refunded on time, or the account was not borrowed money, then judge institute
State account amount of money and it is described can borrowing balance sum whether more than or equal to the transfer amounts.
When account amount of money is less than transfer amounts, whether the detection account of detection unit 21 once borrowed money, and whether on time
Refund.If the account once borrowed money and refunded on time, or the account does not borrow money, then calculate account amount of money and the gold that can borrow money
Volume sum, judging unit 22 judge account amount of money and can borrowing balance sum whether more than or equal to transfer amounts.Need
Bright, refunding on time, it is not yet due to include that user borrows money, and user borrows money and has expired, but user completes also within the payback period
Money is operated.
Further, when account amount of money is less than transfer amounts, judge whether the account has borrowing power.If the user does not have
There is borrowing power, then directly terminate transfer operation；If there is borrowing power the account, whether the detection account once borrowed money, and
Whether refund on time.
Further, the transfer device also includes：
First reminding module, if once borrowed money for the account and do not refunded on time, points out to borrow money overdue.
Further, when on time the account once borrowed money and did not refunded, the first reminding module then exports prompt message prompting and borrows money
It is overdue.Further, when borrowing money overdue, user is pointed out to complete transfer operation by changing transfer amounts, or
Selection directly terminates transfer operation.It should be noted that account was once borrowed money and do not refunded may include two kinds of situations, Yi Zhongshi on time
The money that the account borrows has expired not to be gone back also；Another kind is that the money borrowed the account has been gone back, but is completed after the payback period
Refund and operate.
The present embodiment increased and borrow by when account amount of money is less than transfer amounts, transfer operation being completed by borrowing money
Money, that is, the usage scenario provided a loan improves the utilization rate and success rate of loan.Meanwhile, make loan function and functional cohesion of transferring accounts
Together, the use flow of loan is simplified.
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 (12)
1. a kind of transfer account method, it is characterised in that the transfer account method is comprised the following steps：
When transfer instructions are received, whether the account amount of money that detection receives the transfer instructions corresponding account turns less than described
Account instructs corresponding transfer amounts；
If the account amount of money is less than the transfer amounts, judge the account amount of money and the account can borrowing balance it
Whether the transfer amounts are more than or equal to；
If the account amount of money and it is described can borrowing balance sum be more than or equal to the transfer amounts, according to described in transfer accounts
Instruction performs transfer operation.
2. transfer account method as claimed in claim 1, it is characterised in that if the account amount of money is less than the gold of transferring accounts
Volume, then judge the account amount of money and it is described can borrowing balance sum whether more than or equal to the transfer amounts the step of wrap
Include：
If the account amount of money is less than the transfer amounts, detect whether the account once borrowed money, and whether refund on time；
If the account was once borrowed money and refunded on time, or the account was not borrowed money, then judge the account amount of money and it is described can
Whether borrowing balance sum is more than or equal to the transfer amounts.
3. transfer account method as claimed in claim 2, it is characterised in that if the account amount of money is less than the gold of transferring accounts
Volume, then detect whether the account once borrowed money, and whether on time refund the step of after, also include：
If the account was once borrowed money and do not refunded on time, point out to borrow money overdue.
4. transfer account method as claimed in claim 1, it is characterised in that if the account amount of money is less than the gold of transferring accounts
Volume, then judge the account amount of money and the account can borrowing balance sum whether more than or equal to the transfer amounts
After step, also include：
If the account amount of money and it is described can borrowing balance sum be less than the transfer amounts, point out insufficient funds.
5. the transfer account method as described in any one of Claims 1-4, it is characterised in that described to be performed according to the transfer instructions
The step of transfer operation, includes：
User is pointed out to confirm loaning bill information and transfer information according to the transfer instructions；
When the confirmation for confirming the loaning bill information and transfer information instruction is received, user input trading password is pointed out；
Verify the correctness of the trading password；
When the trading password is correct, transfer operation is performed.
6. the transfer account method as described in any one of Claims 1-4, it is characterised in that described when transfer instructions are received, inspection
Survey receive the transfer instructions corresponding account account amount of money whether less than the corresponding transfer amounts of the transfer instructions step
After rapid, also include：
If the account amount of money is more than or equal to the transfer amounts, transfer operation is performed according to the transfer instructions.
7. a kind of transfer device, it is characterised in that the transfer device includes：
Detection module, for when transfer instructions are received, detection to receive the account amount of money of the transfer instructions corresponding account
Whether the corresponding transfer amounts of the transfer instructions are less than；
Judge module, if being less than the transfer amounts for the account amount of money, judges the account amount of money and the account
Can borrowing balance sum whether be more than or equal to the transfer amounts；
Performing module, if for the account amount of money and it is described can borrowing balance sum be more than or equal to the transfer amounts,
Then transfer operation is performed according to the transfer instructions.
8. transfer device as claimed in claim 7, it is characterised in that the judge module includes：
Detection unit, if being less than the transfer amounts for the account amount of money, detects whether the account once borrowed money, and
Whether refund on time；
Judging unit, if once borrowed money for the account and refunded on time, or the account was not borrowed money, then judge the account
The amount of money and it is described can borrowing balance sum whether be more than or equal to the transfer amounts.
9. transfer device as claimed in claim 8, it is characterised in that the transfer device also includes：
First reminding module, if once borrowed money for the account and do not refunded on time, points out to borrow money overdue.
10. transfer device as claimed in claim 7, it is characterised in that the transfer device also includes：
Second reminding module, if for the account amount of money and it is described can borrowing balance sum be less than the transfer amounts, carry
Show insufficient funds.
11. transfer device as described in any one of claim 7 to 10, it is characterised in that the performing module includes：
Tip element, for pointing out user to confirm loaning bill information and transfer information according to the transfer instructions；When receiving confirmation
When the confirmation of the loaning bill information and transfer information is instructed, user input trading password is pointed out；
Authentication unit, the correctness for verifying the trading password；
Execution unit, for when the trading password is correct, performing transfer operation.
12. transfer device as described in any one of claim 7 to 10, it is characterised in that if the performing module is additionally operable to institute
Account amount of money is stated more than or equal to the transfer amounts, then performs transfer operation according to the transfer instructions.
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| CN201710046773.7A CN106845959A (en) | 2017-01-20 | 2017-01-20 | Transfer account method and device |
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| CN201710046773.7A CN106845959A (en) | 2017-01-20 | 2017-01-20 | Transfer account method and device |
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| CN106845959A true CN106845959A (en) | 2017-06-13 |
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Application publication date: 20170613 |