CN107563748B - Processing method and device for account, medium and computing equipment - Google Patents
Processing method and device for account, medium and computing equipment Download PDFInfo
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- CN107563748B CN107563748B CN201710778103.4A CN201710778103A CN107563748B CN 107563748 B CN107563748 B CN 107563748B CN 201710778103 A CN201710778103 A CN 201710778103A CN 107563748 B CN107563748 B CN 107563748B
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Abstract
The embodiment of the invention provides a processing method for an account. The method comprises the following steps: acquiring a login account required to be used when a user logs in a transaction platform; obtaining at least one payment account, wherein the at least one payment account includes: at least one first payment account required to be used by the user during payment and/or at least one second payment account required to be used by other users during payment; and associating the acquired at least one payment account with the login account to enable the user to make a quick payment on the transaction platform using any payment account of the at least one payment account. The method of the invention enables the user to use any associated payment account to carry out quick payment when the user pays on the transaction platform, thereby obviously reducing the times of manually inputting the payment account when the user switches different payment accounts for payment. In addition, the embodiment of the invention also provides a processing device, a medium and a computing device for the account.
Description
Technical Field
The embodiment of the invention relates to the field of Internet, in particular to a processing method and device for an account, a medium and a computing device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Currently, a large number of trading platforms have emerged throughout the internet world. Generally, the trading platform is used as follows: the user needs to log in the corresponding transaction platform by using the login account, and then the transaction platform can record according to the operation behaviors (such as login, browsing, collection, purchase and the like) of the user aiming at the internet service, and meanwhile, a corresponding payment channel can be provided to ensure that the transaction in the real sense can be realized.
Disclosure of Invention
However, for the reason that the user needs to log in the payment account before payment, when the user uses different payment accounts to perform the switching payment, when logging in another payment account on the payment platform of the currently logged-in payment account in the prior art, the user needs to manually input the payment account again and input a corresponding login password before the payment operation can be performed.
Therefore, in the prior art, it is not very convenient to switch multiple payment accounts after logging in a transaction platform by using a login account, which is a very annoying process.
To this end, there is a strong need for an improved account processing method that satisfies the need for convenient switching of multiple payment accounts after logging into a transaction platform using a login account.
In this context, embodiments of the present invention are intended to provide a processing method and apparatus for an account, a medium, and a computing device.
In a first aspect of embodiments of the present invention, there is provided a processing method for an account, the method including obtaining a login account that a user needs to use when logging in a transaction platform; acquiring at least one payment account, wherein the at least one payment account comprises at least one first payment account required to be used by the user for payment and/or at least one second payment account required to be used by other users for payment; and associating the acquired at least one payment account with the login account so that the user can use any payment account in the at least one payment account to carry out quick payment on the transaction platform.
In an embodiment of the present invention, the associating the acquired at least one payment account with the login account includes establishing an association mapping table according to the login account of the user and the at least one payment account; and after the association mapping table is established, adding other payment accounts of the user and/or other payment accounts of the other users into the association mapping table, wherein the other payment accounts newly added into the association mapping table are also associated with the login account, so that the user can use the other payment accounts to carry out quick payment on the transaction platform.
In another embodiment of the present invention, the processing method for accounts further includes recording an adding time for adding the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table; determining the last added payment account in the association mapping table according to the adding time; and determining the last added payment account as a default payment account or a recommended payment account.
In another embodiment of the present invention, the processing method for accounts further includes obtaining a payment account used when the last payment operation is completed in the association mapping table; and determining the payment account used when the last payment operation is completed as a default payment account or a recommended payment account.
In yet another embodiment of the present invention, the processing method for accounts further includes recording an adding time for adding the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table; recording the payment time of the payment account used when the last payment operation is completed in the association mapping table; determining the latest time according to the adding time and the payment time; and determining the payment account corresponding to the latest time as a default payment account or a recommended payment account.
In yet another embodiment of the present invention, after the association mapping table is established, the processing method for accounts further includes detecting whether a payment account that has not been selected for payment operation within a predetermined time period exists in the association mapping table; and if the fact that the payment account which is not selected for the payment operation in the preset time period exists in the association mapping table is detected, limiting the quick payment authority of the payment account which is not selected for the payment operation.
In yet another embodiment of the present invention, the processing method for accounts further includes obtaining the number of times the payment account is selected for payment and/or the time point when the payment account is selected for payment in the association mapping table; and sorting the payment accounts in the association mapping table according to the times of the payment accounts in the association mapping table being selected for payment and/or the time point when the payment accounts are selected for payment, so that the user can quickly select an expected payment account in the next payment.
In yet another embodiment of the present invention, the at least one first payment account, the at least one second payment account, the other payment accounts of the user and/or the other payment accounts of the other users belong to the same payment platform.
In yet another embodiment of the present invention, the association mapping table is stored in a server of the payment platform, and the association relationship in the association mapping table further includes information of the transaction platform and/or information of a merchant in the transaction platform.
In a second aspect of the embodiments of the present invention, there is provided a processing apparatus for an account, including a first obtaining module, a second obtaining module, and an associating module. The first acquisition module is used for acquiring a login account which is required to be used when a user logs in the transaction platform; the second obtaining module is configured to obtain at least one payment account, where the at least one payment account includes: at least one first payment account which is needed to be used by the user during payment and/or at least one second payment account which is needed to be used by other users during payment; and the association module is used for associating the acquired at least one payment account with the login account so that the user can use any payment account in the at least one payment account to carry out quick payment on the transaction platform.
In one embodiment of the invention: the association module is configured to associate the acquired at least one payment account with the login account, including establishing an association mapping table according to the login account of the user and the at least one payment account; and the processing device further comprises an adding module, configured to add, after the association mapping table is established, the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table, where the other payment accounts newly added to the association mapping table are also associated with the login account.
In another embodiment of the present invention, the processing apparatus further includes a first recording module, a first determining module, and a second determining module. The first recording module is used for recording the adding time of adding other payment accounts of the user and/or other payment accounts of the other users into the association mapping table; the first determining module is used for determining the last added payment account in the association mapping table according to the adding time; and the second determining module is used for determining the added payment account as a default payment account or a recommended payment account.
In another embodiment of the present invention, the processing apparatus further includes a third obtaining module and a third determining module. The third acquisition module is used for acquiring a payment account used when the last payment operation is completed in the association mapping table; and the third determining module is used for determining the payment account used when the last payment operation is completed as a default payment account or a recommended payment account.
In still another embodiment of the present invention, the processing apparatus further includes a second recording module, a third determining module, and a fourth determining module. The second recording module is used for recording the adding time of adding other payment accounts of the user and/or other payment accounts of the other users into the association mapping table; the third recording module is used for recording the payment time of the payment account used when the last payment operation is completed in the association mapping table; the third determining module is used for determining the latest time according to the adding time and the payment time; and the fourth determining module is used for determining the payment account corresponding to the latest time as a default payment account or a recommended payment account.
In a further embodiment of the present invention, the processing apparatus further includes a detection module and a restriction module. The detection module is used for detecting whether a payment account which is not selected for payment operation in a preset time period exists in the association mapping table after the association mapping table is established; and the limiting module is used for limiting the shortcut payment authority of the payment account which is not selected for payment operation all the time if the fact that the payment account which is not selected for payment operation all the time in the preset time period exists in the association mapping table is detected.
In still another embodiment of the present invention, the processing apparatus further includes a fourth obtaining module and a sorting module. The fourth acquisition module is used for acquiring the times of payment of the payment account selected in the association mapping table and/or the time point when the payment account is selected for payment; and the sequencing module is used for sequencing the payment accounts in the association mapping table according to the times of the payment accounts in the association mapping table being selected for payment and/or the time point when the payment accounts are selected for payment, so that the user can quickly select an expected payment account in the next payment.
In yet another embodiment of the present invention, the at least one first payment account, the at least one second payment account, the other payment accounts of the user and/or the other payment accounts of the other users belong to the same payment platform.
In yet another embodiment of the present invention, the association mapping table is stored in a server of the payment platform, and the association relationship in the association mapping table further includes information of the transaction platform and/or information of a merchant in the transaction platform.
In a third aspect of embodiments of the present invention, there is provided a medium storing computer-executable instructions that, when executed by a processing unit, are configured to implement a processing method for an account as described above.
In a fourth aspect of embodiments of the present invention, there is provided a computing device comprising a processing unit and a storage unit. The storage unit stores computer-executable instructions which, when executed by the processing unit, implement the processing method for accounts as described above.
According to the account processing method and device provided by the embodiment of the invention, the login account of the user is associated with at least one payment account of the user and/or at least one payment account of other users, so that the user can use any payment account associated with the login account to carry out quick payment when paying on a transaction platform, and the user does not need to manually input a payment account and/or a login password again each time when paying, thereby obviously reducing the times of manually inputting the payment account when the user switches different payment accounts to pay, and bringing better experience for the user.
Drawings
The above and other objects, features and advantages of exemplary embodiments of the present invention will become readily apparent from the following detailed description read in conjunction with the accompanying drawings. Several embodiments of the invention are illustrated by way of example, and not by way of limitation, in the figures of the accompanying drawings and in which:
fig. 1A to 1B are schematic diagrams illustrating application scenarios of a processing method for an account and an apparatus thereof according to an embodiment of the present invention;
FIG. 2 schematically shows a flow diagram of a processing method for an account according to an embodiment of the invention;
FIG. 3 schematically shows a flow diagram of a process for an account according to another embodiment of the invention;
FIG. 4 schematically shows a flow diagram of a process for an account according to another embodiment of the invention;
FIG. 5 schematically shows a flow diagram of a process for an account according to another embodiment of the invention;
FIG. 6 schematically shows a flow diagram of a process for an account according to another embodiment of the invention;
FIG. 7 schematically shows a flow diagram of a process for an account according to another embodiment of the invention;
FIG. 8 schematically shows a block diagram of a processing device for accounts according to an embodiment of the invention;
FIG. 9 schematically shows a program product for processing of an account according to an embodiment of the invention; and
FIG. 10 schematically shows a computing device for processing of an account according to an embodiment of the invention.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a processing method and device for an account, a medium and a computing device are provided.
In this document, it should be understood that the term login account refers to an identification account number of a user when using various internet services, which can be used to record the relevant operation records of the user in internet services, including the records of login, browsing, collecting, purchasing and the like; the login account can enter various internet transaction platforms only after the preset login password is verified successfully.
The order placing account refers to an account number used by a user for making an order application to the transaction system, wherein the order placing account may be the same as or different from the login account.
A payment account refers to an account where the user makes a real payment for the order, where the payment account may be the same or different than the order placement account.
The quick payment means that a user does not need to manually input a payment account and/or a login password of the payment account, and can directly trigger a payment function aiming at the saved payment account.
Moreover, any number of elements in the drawings are by way of example and not by way of limitation, and any nomenclature is used solely for differentiation and not by way of limitation.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Summary of The Invention
The inventor finds that in the whole internet field, a user needs to log in a corresponding transaction platform by using a login account, and then the transaction platform can record the operation behavior of the user for internet services, when the user uses different payment accounts to switch payment, the user needs to manually input a payment account again, for example, when the payment account in a merchant APP is A, the payment account B needs to be used for payment, the user needs to switch from the merchant APP to a terminal desktop, a corresponding payment platform APP is opened, the payment account is manually switched to be B, and then the user returns to the merchant APP to use a payment account to place an order, which is equivalent to switching the payment account at each time, and the user needs to perform a tedious account number and password for logging in other payment accounts. .
In view of the above, the present invention, by associating the login account of the user with at least one payment account of the user and/or at least one payment account of another user, may enable the user to use any payment account associated with the login account to perform fast payment when paying on the transaction platform, without inputting the associated payment account again.
Optionally, an association mapping table is established between the login account of the user and at least one payment account of the user and/or at least one payment account of another user, so that a single login account is bound with multiple payment accounts in a login authorization manner, multiple bound payment accounts are managed, and a function of fast payment of multiple payment accounts is realized.
Therefore, the payment system is used for managing the binding relationship between the login account (order-placing account) of the user and the real payment account by establishing an association mapping table, and the binding relationship can be authorized by logging in the payment account during the first binding.
According to the scheme, after the user places the order by using a certain login account, the payment account can be directly selected from one or more payment accounts in the association mapping table to pay for the order without inputting the associated payment account.
Having described the general principles of the invention, various non-limiting embodiments of the invention are described in detail below.
Application scene overview
First, referring to fig. 1A and fig. 1B, application scenarios of the account processing method and the device thereof according to the embodiment of the present invention are described in detail.
Fig. 1A schematically shows an application scenario diagram of a processing method for an account and an apparatus thereof according to an embodiment of the present invention.
As shown in fig. 1A, after a user logs in a corresponding transaction platform through a login account, if the user needs to purchase a commodity which can be transacted in the transaction platform, the transaction platform provides a corresponding payment channel to ensure that a transaction in a real sense can be realized, for example, the transaction platform in fig. 1A provides a payment platform 1, a payment platform 2 and a payment platform 3 for user selection, and after the user selects the transaction platform, the user clicks for confirmation, and then enters a checkout counter interface. It should be noted that one or more payment accounts may be included in the same payment platform, and when a user selects a certain payment platform, one or more payment accounts belonging to the same payment platform may be displayed on the checkout interface. For example, when the user clicks on the payment platform 2 and then enters a checkout interface, the user may select one or more payment accounts belonging under the payment platform 2 for payment. In this embodiment, a login account for a user to login to a corresponding transaction platform is the same as an order placing account, so that the login account can also be used for placing an order. When the user needs to switch to other payment accounts for payment, according to the account processing method and the account processing device, the login account of the user is associated with at least one payment account of the user and/or at least one payment account of other users, so that the user can use any payment account associated with the login account for quick payment when paying on a transaction platform, and the user does not need to manually input the payment account each time payment is carried out.
Specifically, for example, as shown in fig. 1B, when the user needs to use another payment account to make a payment, the user clicks to use another payment account to make a payment, if another payment account is already associated in the association table, the already associated payment account provided on the cash desk interface may be selected to make a payment, and the user may edit, for example, delete, add another payment account, or other operations on the cash desk interface providing the associated payment account. If no other payment account is associated in the association table, the other payment account can be temporarily logged in, and the payment account is bound and authorized when logging in for the first time, so that the association between the newly logged-in payment account and the logged-in account is realized, and the associated payment account does not need to be input when paying for the next time, so that the function of quick payment is realized.
Through above-mentioned payment method, compare in prior art when payment account is A among the merchant APP, need use payment account B payment, the user need switch to the terminal desktop from merchant user side APP, opens the corresponding payment platform APP of payment account B, and manual switching payment account into B returns to and uses in the merchant APP and orders the account of ordering again. In this case, if the merchant still uses the order-placing account to place an order, but changes the payment account B to pay, and uses the payment account C to pay, the user needs to repeat the above tedious operations, which is equivalent to performing a tedious switching operation every time the payment account is switched. Therefore, according to the account processing method and the device thereof, the login account of the user and the at least one payment account of the user and/or the at least one payment account of the other user are/is established with the association mapping table, so that the single login account and the plurality of payment accounts are bound in a login authorization mode, the plurality of bound payment accounts are managed, and the function of avoiding logging in any one payment account for payment is realized.
Exemplary method
A processing method for an account according to an exemplary embodiment of the present invention is described below with reference to fig. 2 in conjunction with the application scenarios of fig. 1A and 1B. It should be noted that the above application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present invention, and the embodiments of the present invention are not limited in this respect. Rather, embodiments of the present invention may be applied to any scenario where applicable.
FIG. 2 schematically shows a flow chart of a processing method for an account according to an embodiment of the invention.
As shown in fig. 2, the processing method for an account according to an embodiment of the present invention includes operations S201 to S203. Wherein:
in operation S201, a login account that needs to be used when a user logs in a transaction platform is acquired.
In operation S202, at least one payment account is acquired, where the at least one payment account includes at least one first payment account required to be used by the user for payment and/or at least one second payment account required to be used by other users for payment.
In operation S203, the acquired at least one payment account is associated with a login account so that the user can make a quick payment on the transaction platform using any payment account of the at least one payment account.
According to the embodiment of the invention, a user can own a plurality of login accounts, such as login accounts of businesses such as games, stock or shopping websites, and the like, and can simultaneously own a plurality of payment accounts for operations related to payment, such as game recharging, prop purchasing, shopping and the like, wherein different payment accounts can belong to the same payment platform or different payment platforms. When the login account of the user is associated with the payment account, at least one payment account required to be used by the user for payment and/or at least one payment account required to be used by other users for payment can be associated with the login account of the user. According to embodiments of the invention, when a user has multiple login accounts, each login account of the user may be associated with one or more payment accounts.
It should be noted that, after the login account of the user is associated with the at least one payment account of the user and/or the at least one payment account of the other user, the user can use any payment account of the at least one payment account to make the quick payment on the transaction platform. That is, after the user logs in the transaction platform through the login account, when the user pays for the commodity, the user can pay by directly selecting the corresponding payment account without logging in the payment account number and/or the login password of the payment account. In order to improve the security of payment, after selecting the corresponding payment account for payment, the user can also set the corresponding payment password for really completing the payment operation.
According to the embodiment of the invention, when the user pays on the transaction platform, the user can use any payment account associated with the login account to carry out quick payment, and the payment account does not need to be manually input each time, so that the times of manually inputting the payment account when the user switches different payment accounts for payment are obviously reduced, and better experience is brought to the user.
The method shown in fig. 2 is further described with reference to fig. 3-7 in conjunction with specific embodiments.
FIG. 3 schematically shows a flow diagram of a process for an account according to another embodiment of the invention.
As shown in fig. 3, the processing method for an account according to an embodiment of the present invention further includes operations S2031 and S204. Wherein:
in operation S2031, an association mapping table is established with at least one payment account according to a login account of a user.
In operation S204, after the association mapping table is established, the other payment accounts of the user and/or the other payment accounts of the other users are added into the association mapping table, wherein the other payment accounts newly added in the association mapping table are also associated with the login account, so that the user can use the other payment accounts to make quick payment on the transaction platform.
According to the embodiment of the invention, the obtained at least one payment account is associated with the login account by establishing an association mapping table so as to associate the login account of the user with the at least one payment account. After the association mapping table is established, other payment accounts of the user and/or other payment accounts of other users may be added to the established association mapping table, and of course, the already associated payment accounts in the association mapping table may also be deleted.
According to the embodiment of the disclosure, the other payment accounts of the user and/or the other payment accounts of the other users added in the association mapping table may belong to the same payment platform, or may belong to different payment platforms.
According to an embodiment of the present disclosure, the at least one first payment account, the at least one second payment account, the other payment accounts of the user, and/or the other payment accounts of the other users belong to the same payment platform. Therefore, the problem of inconvenient use caused by the fact that a user needs to manually input a new payment account and a corresponding login password when a specific payment platform is used for payment and different payment accounts of the same payment platform are switched in the prior art can be well solved. According to the embodiment of the invention, the other payment accounts of the user and/or other payment accounts of other users are added into the association mapping table, so that the payment accounts selectable by the user can be increased, more payment account selections are provided for the user, and the number of times of inputting the payment accounts when the user pays is reduced. By deleting the associated payment account in the association mapping table, the operation of the user can be facilitated, the bound account can be rapidly unbound, and the requirements on safety and convenience can be met at the same time.
According to the embodiment of the disclosure, at least one first payment account, at least one second payment account, other payment accounts of a user and/or other payment accounts of other users belong to the same payment platform, an association mapping table is stored in a server of the payment platform, and an association relationship in the association mapping table includes information of a transaction platform and/or information of merchants in the transaction platform in addition to a login account and a plurality of associated payment accounts.
According to the embodiment of the invention, the association mapping table is stored in the server side of the payment platform, so that the user can still use the associated payment account in the association mapping table to carry out quick payment after logging in by using a new client side.
According to the embodiment of the invention, the association relation in the association mapping table can associate the information of the transaction platform besides the login account and the plurality of associated payment accounts, so that the association mapping table is stored in the server of the payment platform, and the information of the transaction platform is also maintained in the association mapping table when a specific transaction platform logs in, so that the association relation comprises three levels of association relation of 'the transaction platform, the login account and the plurality of associated payment accounts' in the association mapping table. Further, according to the embodiment of the present invention, "merchant in the transaction platform" may also be used as a part of the association relationship, and therefore, the association relationship includes a multi-level association relationship "transaction platform — merchant in the transaction platform — login account — multiple associated payment accounts". Through the embodiment, the user experience is further improved.
FIG. 4 schematically shows a flow diagram of a process for an account according to another embodiment of the invention. In this embodiment, operations S205 to S207 are included in addition to operations S2031 and S204 described above with reference to fig. 3. The description of operations S2031 and S204 is omitted here for the sake of brevity of description.
As shown in fig. 4, the processing method for an account according to an embodiment of the present invention further includes operations S205 to S207.
In operation S205, an addition time for adding other payment accounts of the user and/or other payment accounts of other users to the association mapping table is recorded.
In operation S206, the last added payment account in the association mapping table is determined according to the addition time.
In operation S207, the last added payment account is determined as a default payment account or a recommended payment account.
According to the embodiment of the invention, the adding time of the payment account added into the association mapping table can be recorded, and the last added payment account in the association mapping table can be determined according to the adding time, so that the last added payment account is recommended to the user. It should be noted that, the payment accounts associated in the association mapping table may also be sorted according to the adding time, so that the user may conveniently select the payment account for payment.
Since the last added payment account may be the most recently used payment account by the user, the payment account may be recommended to the user as the recommended payment account, or the payment account may be used for the default payment account. Under the condition that the payment account is the default payment account, the user can directly and quickly pay after selecting the default payment account, and certainly, the user can also select other payment modes and select other payment accounts shown in the association mapping table to pay. According to the embodiment of the disclosure, the association time of the payment account and the login account can be recorded, further, the login authorization behavior of the payment account at each time can be used for refreshing the association time, the active payment account of the user can be ensured to be in a state capable of being used for quick payment, and the user can conveniently select the payment account for use for a long time.
According to the embodiment of the invention, the payment account added last is recommended to the user, so that the payment account with high possibility of being recommended to the user can be ensured, the secondary selection of the user is avoided, the user operation is reduced, and the user experience is improved.
FIG. 5 schematically shows a flow diagram of a process for an account according to another embodiment of the invention.
In this embodiment, operations S208 to S209 are included in addition to operations S2031 and S204 described above with reference to fig. 3. The description of operations S2031 and S204 is omitted here for the sake of brevity of description.
As shown in fig. 5, the processing method for an account according to an embodiment of the present invention further includes operations S208 to S209.
In operation S208, after the association mapping table is established with at least one payment account according to the login account of the user, a payment account used when the last payment operation is completed in the association mapping table is obtained.
In operation S209, a payment account used when the last payment operation is completed is determined as a default payment account or a recommended payment account.
According to the embodiment of the disclosure, since the payment account used when the last payment operation is completed may be the payment account most frequently used by the user, the payment account may be recommended to the user as the recommended payment account, or the payment account may be used for the default payment account.
According to the embodiment of the invention, the payment account used when the last payment operation is completed is recommended to the user, so that the most frequently used payment account can be recommended to the user, the secondary selection of the user is avoided, and the user operation is reduced.
In yet another embodiment of the present invention, the processing method for accounts further includes recording an adding time for adding the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table; recording the payment time of the payment account used when the last payment operation is completed in the association mapping table; determining the latest time according to the adding time and the payment time; and determining the payment account corresponding to the latest time as a default payment account or a recommended payment account.
According to the embodiment of the disclosure, the payment time of the payment account used when the last payment operation is completed is compared with the adding time of the added payment account, and the payment account corresponding to the latest time is determined as the default payment account or the recommended payment account, so that the effect of facilitating payment of the user can be achieved.
FIG. 6 schematically shows a flow diagram of a process for an account according to another embodiment of the invention.
In this embodiment, operations S210 to S211 are included in addition to operations S2031 and S204 described above with reference to fig. 3. The description of operations S2031 and S204 is omitted here for the sake of brevity of description.
As shown in fig. 6, the processing method for an account according to an embodiment of the present invention further includes operations S210 to S211.
In operation S210, after the association mapping table is established, it is detected whether there is a payment account in the association mapping table that has not been selected for a payment operation for a predetermined period of time.
In operation S211, if it is detected that a payment account that has not been selected for a payment operation for a predetermined period of time exists in the association mapping table, shortcut payment authority of the payment account that has not been selected for the payment operation is limited.
According to the embodiment of the disclosure, after the payment account is associated with the login account, if there is no login success or payment success behavior within a predetermined time period (the predetermined time period may be set according to security and convenience, for example, may be set to 1-3 months), the payment account may be considered to have insufficient activity, the security evaluation is low, and the authority of such payment account will be limited;
after the payment authority is limited, the user can still select the payment account in the cash register to pay, but the user needs to authorize the binding again in the cash register by logging in the payment account after the payment account is selected, the association record is updated again after the login is successful, and the user can continue to use the payment account for quick payment next time.
According to the embodiment of the disclosure, due to the quick payment mechanism, login verification is not required for the payment account, convenience of the payment process is improved, but part of security is lost, and for enhancing security of the bound payment account, through login-free authority management of the payment account, convenience and security of the payment process can be considered, and user experience is further improved.
According to the embodiment of the disclosure, since the login account and the payment account can be separated, the condition of counterfeit payment account can occur, so that the login account and the payment account are inconsistent, and further the problems of unknown order attribution, payment failure and the like are caused, and the order can be verified by the backend. If the verification of the login account is inconsistent with that of the payment account, the order is invalid and the user is prompted to place the order again; if the login account and the payment account are verified to be consistent, the subsequent payment process can be continued, and the convenience and the safety of the payment process are considered.
FIG. 7 schematically shows a flow diagram of a process for an account according to another embodiment of the invention.
In this embodiment, operations S212 to S213 are included in addition to operations S2031 and S204 described above with reference to fig. 3. The description of operations S2031 and S204 is omitted here for the sake of brevity of description.
As shown in fig. 7, the processing method for an account according to an embodiment of the present invention further includes operations S210 to S211.
In operation S212, the number of times the payment account in the association mapping table is selected for payment and/or the time point when the payment account is selected for payment is acquired.
In operation S213, the payment accounts in the association mapping table are sorted according to the number of times the payment account in the association mapping table is selected for payment and/or the time point when the payment account is selected for payment, so that the user can quickly select an intended payment account at the next payment.
According to the embodiment of the disclosure, the payment accounts in the association mapping table are sorted according to the number of times that the payment accounts in the association mapping table are selected for payment, wherein the sorting can be performed from most to least according to the number of times, so that a user can quickly select the payment account selected most frequently in the next payment.
The sorting of the payment accounts in the association mapping table according to the point in time when the payment account in the association mapping table is selected for payment may be sorting from near to far according to the point in time, so that the user selects the most recently used account.
According to the embodiment of the disclosure, the login account may be an order placing account for applying for an order to the transaction system, and meanwhile, the login account may also be a payment account for making a real payment for the order, that is, the user may place an order on the transaction platform or make a real payment for the order through the login account. According to the embodiment of the disclosure, when the association mapping table does not have an associated payment account for quick payment, the current login account or the current order-placing account can be added into the association mapping table, and can be recommended to the user as the payment account by default, so that the user is ensured to have at least one account available for payment. When the associated payment account for quick payment in the association mapping table is used, the current login account or the current order-placing account may also be used as the payment account, wherein the sorting manner of the login account or the order-placing account in the association mapping table may be the same as the sorting manner of other payment accounts in the association mapping table, that is, the sorting rule of the current convenient payment account is not destroyed. For example, it may be ordered by the number of times it is selected for payment and/or the point in time when it is selected for payment. According to the embodiment of the disclosure, when the login account or the order-placing account is used as the payment account, but the login account or the order-placing account is not used for payment all the time, which indicates that the user does not use the login account or the order-placing account for payment frequently, the login account or the order-placing account can be placed at the bottom of the association mapping table during the sorting.
According to the embodiment of the invention, the switching of a plurality of payment accounts can be realized through the associated payment accounts in the associated mapping table, the whole payment process is not interrupted, and the payment account and the corresponding login password do not need to be input again, so that the payment process experiences more processes, the irritation of a user can be reduced, the payment time consumption is reduced, and the payment success rate is improved. The association mapping table can set account capacity according to requirements, and in order to reduce occupied space, duplication can be eliminated when the payment account is stored.
Exemplary devices
Having described the medium of an exemplary embodiment of the present invention, a processing apparatus for an account of an exemplary embodiment of the present invention is described next with reference to fig. 8.
Fig. 8 schematically shows a block diagram of a processing device for an account according to an embodiment of the present invention. The processing means for an account may be used to implement the methods described with reference to figures 2 to 7.
As shown in fig. 8, the processing device 800 for an account includes a first obtaining module 801, a second obtaining module 802, and an associating module 803.
The first obtaining module 801 is used for obtaining a login account that a user needs to use when logging in a transaction platform.
The second obtaining module 802 is configured to obtain at least one payment account, where the at least one payment account includes: at least one first payment account which is needed to be used when the user pays and/or at least one second payment account which is needed to be used when other users pay.
The association module 803 is configured to associate the obtained at least one payment account with the login account, so that the user can use any payment account of the at least one payment account to perform the quick payment on the transaction platform.
In another embodiment of the present invention, as shown in fig. 8, the associating module 803 is configured to associate the obtained at least one payment account with the login account, including establishing an association mapping table with the at least one payment account according to the login account of the user.
The processing apparatus 800 further comprises an adding module 804 configured to add the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table after the association mapping table is established, wherein the other payment accounts newly added in the association mapping table are also associated with the login account.
In yet another embodiment of the present invention, the at least one first payment account, the at least one second payment account, the other payment accounts of the user and/or the other payment accounts of the other users belong to the same payment platform. According to the embodiment of the invention, the association mapping table is stored in the server of the payment platform, and the association relationship in the association mapping table further includes information of the transaction platform and/or information of merchants in the transaction platform.
In yet another embodiment of the present invention, as shown in fig. 8, the processing apparatus 800 further comprises a first recording module 805, a first determining module 806, and a second determining module 807.
The first recording module 805 is used for recording the adding time of the other payment accounts of the user and/or the other payment accounts of the other users into the association mapping table.
The first determining module 806 is configured to determine the last added payment account in the association mapping table according to the adding time.
The second determination module 807 is used to determine the last added payment account as the default payment account or the recommended payment account.
In yet another embodiment of the present invention, as shown in fig. 8, the processing apparatus 800 further comprises a third obtaining module 808 and a third determining module 809.
The third obtaining module 808 is configured to obtain a payment account used when the last payment operation is completed in the association mapping table.
The third determining module 809 is used for determining the payment account used when the last payment operation is completed as the default payment account or the recommended payment account.
In yet another embodiment of the present invention, as shown in fig. 8, the processing device 800 further comprises a detection module 810 and a restriction module 811.
The detecting module 810 is configured to detect whether a payment account that has not been selected for payment operation within a predetermined time period exists in the association mapping table after the association mapping table is established;
the limiting module 811 is configured to limit the shortcut payment authority of the payment account that has not been selected for the payment operation within a predetermined time period if it is detected that there is a payment account that has not been selected for the payment operation within the association mapping table.
In yet another embodiment of the present invention, as shown in FIG. 8, the processing apparatus 800 further comprises a fourth obtaining module 812 and a sorting module 813.
The fourth obtaining module 812 is configured to obtain the number of times the payment account in the association mapping table is selected for payment and/or the time point when the payment account is selected for payment.
The sorting module 813 is configured to sort the payment accounts in the association mapping table according to the number of times the payment account in the association mapping table is selected for payment and/or the time point when the payment account is selected for payment, so that the user can quickly select an expected payment account at the next payment.
In yet another embodiment of the present invention, as shown in fig. 8, the processing device 800 further includes a second recording module 814, a third recording module 815, a third determining module 816, and a fourth determining module 817.
The second recording module 814 is configured to record an adding time when the other payment accounts of the user and/or the other payment accounts of the other users are added to the association mapping table.
The third recording module 815 is configured to record the payment time of the payment account used when the last payment operation is completed in the association mapping table.
The third determining module 816 is configured to determine the latest time according to the adding time and the payment time.
The fourth determining module 817 is configured to determine the payment account corresponding to the latest time as a default payment account or a recommended payment account.
Exemplary Medium
Having described the method of the exemplary embodiment of the present invention, reference is next made to fig. 9 for a medium of an exemplary embodiment of the present invention storing computer-executable instructions that, when executed by a processing unit, implement the processing method for accounts of fig. 2-7.
In some possible embodiments, the various aspects of the present invention may also be implemented in a program product, which includes program code for causing a computing device to execute the steps in the processing method for accounts according to various exemplary embodiments of the present invention described in the above section "exemplary method" of this specification when the program product runs on the computing device, for example, the computing device may execute operation S201 shown in fig. 2 to obtain a login account that a user needs to use when logging in to a transaction platform. Operation S202, at least one payment account is acquired, where the at least one payment account includes at least one first payment account that needs to be used by the user for payment and/or at least one second payment account that needs to be used by another user for payment. In operation S203, the acquired at least one payment account is associated with a login account, so that the user can use any payment account of the at least one payment account to perform quick payment on the transaction platform.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
Figure 9 schematically shows a program product for processing of an account according to an embodiment of the invention.
As shown in fig. 9, a program product 900 is depicted for a processing method for accounts according to an embodiment of the present invention, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a computing device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
Exemplary computing device
Having described the methods, media, and apparatus of the exemplary embodiments of the invention, a computing device implementing a processing method for accounts of the exemplary embodiments of the invention is next described with reference to the drawings.
The computing device includes a processing unit and a storage unit. The storage unit stores computer-executable instructions that, when executed by the processing unit, implement the processing method for accounts of fig. 2-7.
The embodiment of the invention also provides the computing equipment. As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
In some possible embodiments, a computing device according to the present invention may include at least one processing unit, and at least one memory unit. Wherein the storage unit stores program code which, when executed by the processing unit, causes the processing unit to perform the steps in the information presentation methods according to various exemplary embodiments of the present invention described in the above section "exemplary methods" of this specification. For example, the processing unit may execute operation S201 as shown in fig. 2, and acquire a login account that needs to be used when the user logs in the transaction platform. Operation S202, at least one payment account is acquired, where the at least one payment account includes at least one first payment account that needs to be used by the user for payment and/or at least one second payment account that needs to be used by another user for payment. In operation S203, the acquired at least one payment account is associated with a login account, so that the user can use any payment account of the at least one payment account to perform quick payment on the transaction platform.
A computing device for processing of accounts according to an embodiment of the invention is schematically shown below with reference to fig. 10. The computing device 100 shown in FIG. 10 is only one example and should not be taken to limit the scope of use and functionality of embodiments of the present invention.
As shown in fig. 10, computing device 100 is embodied in the form of a general purpose computing device. Components of computing device 100 may include, but are not limited to: the at least one processing unit 1001, the at least one storage unit 1002, and a bus 1003 connecting different system components (including the storage unit 1002 and the processing unit 1001).
The storage unit 1002 can include readable media in the form of volatile memory, such as Random Access Memory (RAM)10021 and/or cache memory 10022, which can further include Read Only Memory (ROM) 10023.
It should be noted that although in the above detailed description several units/modules or sub-units/modules of the apparatus are mentioned, such a division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the units/modules described above may be embodied in one unit/module according to embodiments of the invention. Conversely, the features and functions of one unit/module described above may be further divided into embodiments by a plurality of units/modules.
Moreover, while the operations of the method of the invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
While the spirit and principles of the invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (16)
1. A processing method for an account, comprising:
obtaining login accounts required to be used when a user logs in a transaction platform, wherein the transaction platform is associated with at least one payment platform, and each payment platform comprises at least one payment account;
obtaining at least one payment account for each payment platform, wherein the at least one payment account comprises: at least one first payment account required to be used by the user during payment and/or at least one second payment account required to be used by other users during payment;
associating the acquired at least one payment account of each payment platform with the login account to enable the user to make a quick payment on the transaction platform using any payment account of the at least one payment account;
wherein:
associating the obtained at least one payment account of each payment platform with the login account comprises:
establishing an association mapping table according to the login account of the user and at least one payment account of each payment platform, wherein the association mapping table comprises an association relation among the transaction platform, the login account of the transaction platform, the payment platform and at least one payment account of the payment platform; and
after the association mapping table is established, adding other payment accounts of the user and/or other payment accounts of the other users into the association mapping table, wherein the other payment accounts newly added in the association mapping table are also associated with the login account so that the user can use the other payment accounts to carry out quick payment on the transaction platform;
the method further comprises the following steps:
acquiring the times of payment accounts in the association mapping table being selected for payment and/or the time points when the payment accounts are selected for payment;
sorting the payment accounts in the association mapping table according to the times of the payment accounts in the association mapping table being selected for payment and/or the time point when the payment accounts are selected for payment, so that the user can quickly select an expected payment account in the next payment;
responding to a user to use a login account to place an order in a transaction platform, and displaying at least one payment platform associated with the login account;
and in response to the user selecting a target payment platform in at least one payment platform, displaying a target payment account in at least one payment account of the target payment platform so that the user selects the target payment account to carry out quick payment, wherein the target payment account is determined according to the sequence of the at least one payment account of the target payment platform in the association mapping table.
2. The method of claim 1, wherein the method further comprises:
recording the adding time of the other payment accounts of the user and/or the other payment accounts of the other users into the association mapping table;
determining the last added payment account in the association mapping table according to the adding time; and
determining the last added payment account as a default payment account or a recommended payment account.
3. The method of claim 1, wherein the method further comprises:
obtaining a payment account used when the last payment operation is completed in the association mapping table; and
and determining the payment account used when the last payment operation is completed as a default payment account or a recommended payment account.
4. The method of claim 1, wherein the method further comprises:
recording the adding time of the other payment accounts of the user and/or the other payment accounts of the other users into the association mapping table;
recording the payment time of the payment account used when the last payment operation is completed in the association mapping table;
determining the latest time according to the adding time and the payment time; and
and determining the payment account corresponding to the latest time as a default payment account or a recommended payment account.
5. The method of claim 1, wherein the method further comprises:
after the association mapping table is established, detecting whether a payment account which is not selected for payment operation in a preset time period exists in the association mapping table; and
and if the fact that the payment account which is not selected for the payment operation in the preset time period exists in the association mapping table is detected, limiting the quick payment authority of the payment account which is not selected for the payment operation.
6. The method of claim 1, wherein:
the at least one first payment account, the at least one second payment account, the other payment accounts of the user, and/or the other payment accounts of the other users belong to the same payment platform.
7. The method of claim 6, wherein:
the association mapping table is stored in a server of the payment platform, and the association relationship in the association mapping table further includes information of the transaction platform and/or information of merchants in the transaction platform.
8. A processing apparatus for an account, comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring login accounts required to be used when a user logs in a transaction platform, the transaction platform is associated with at least one payment platform, and each payment platform comprises at least one payment account;
a second obtaining module, configured to obtain at least one payment account of each payment platform, where the at least one payment account includes: at least one first payment account required to be used by the user during payment and/or at least one second payment account required to be used by other users during payment; and
the association module is used for associating the acquired at least one payment account of each payment platform with the login account so as to enable the user to use any payment account of the at least one payment account to carry out quick payment on the transaction platform;
wherein:
the association module is configured to associate the acquired at least one payment account and the login account of each payment platform, including establishing an association mapping table according to the login account of the user and the at least one payment account, where the association mapping table includes an association relationship among a transaction platform, the login account of the transaction platform, the payment platform, and the at least one payment account of the payment platform; and, the apparatus further comprises:
an adding module, configured to add, after the association mapping table is established, the other payment accounts of the user and/or the other payment accounts of the other users to the association mapping table, where the other payment accounts newly added in the association mapping table are also associated with the login account;
the fourth acquisition module is used for acquiring the times of payment of the payment account selected in the association mapping table and/or the time point when the payment account is selected for payment; and
the sorting module is used for sorting the payment accounts in the association mapping table according to the times of the payment accounts in the association mapping table being selected for payment and/or the time point when the payment accounts are selected for payment, so that the user can quickly select an expected payment account in the next payment;
the processing device is also used for responding to the order placing operation of a user in a transaction platform by using a login account, and displaying at least one payment platform associated with the login account; in response to a user selecting a target payment platform of at least one payment platform, displaying a target payment account of at least one payment account of the target payment platform so that the user selects the target payment account to carry out quick payment, wherein the target payment account is determined according to the sequence of the at least one payment account of the target payment platform.
9. The apparatus of claim 8, wherein the apparatus further comprises:
a first recording module, configured to record an addition time when the other payment accounts of the user and/or the other payment accounts of the other users are added to the association mapping table;
a first determining module, configured to determine, according to the adding time, a last added payment account in the association mapping table; and
a second determination module to determine the last added payment account as a default payment account or a recommended payment account.
10. The apparatus of claim 8, wherein the apparatus further comprises:
a third obtaining module, configured to obtain a payment account used when the last payment operation is completed in the association mapping table; and
and the third determining module is used for determining the payment account used when the last payment operation is finished as a default payment account or a recommended payment account.
11. The apparatus of claim 8, wherein the apparatus further comprises:
a second recording module, configured to record an addition time when the other payment accounts of the user and/or the other payment accounts of the other users are added to the association mapping table;
the third recording module is used for recording the payment time of the payment account used when the last payment operation is finished in the association mapping table;
a third determining module, configured to determine a latest time according to the adding time and the payment time; and
and the fourth determining module is used for determining the payment account corresponding to the latest time as a default payment account or a recommended payment account.
12. The apparatus of claim 8, wherein the apparatus further comprises:
the detection module is used for detecting whether a payment account which is not selected for payment operation in a preset time period exists in the association mapping table after the association mapping table is established; and
and the limiting module is used for limiting the shortcut payment authority of the payment account which is not selected for the payment operation all the time if the fact that the payment account which is not selected for the payment operation all the time in the preset time period exists in the association mapping table is detected.
13. The apparatus of claim 8, wherein,
the at least one first payment account, the at least one second payment account, the other payment accounts of the user, and/or the other payment accounts of the other users belong to the same payment platform.
14. The apparatus of claim 13, wherein,
the association mapping table is stored in a server of the payment platform, and the association relationship in the association mapping table further includes information of the transaction platform and/or information of merchants in the transaction platform.
15. A medium storing computer executable instructions for implementing the processing method for accounts of any one of claims 1 to 7 when executed by a processing unit.
16. A computing device, comprising:
a processing unit; and
a storage unit storing computer-executable instructions for implementing the processing method for an account of any one of claims 1 to 7 when executed by the processing unit.
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| KR20240027897A (en) | 2017-05-03 | 2024-03-04 | 인터디지탈 패튼 홀딩스, 인크 | Methods, systems, and apparatus for transmitting uplink control information |
| CN108848183B (en) * | 2018-06-29 | 2021-08-24 | 北京奇虎科技有限公司 | Login method and device for simulation user |
| CN110942289B (en) * | 2018-09-21 | 2021-06-04 | 亿度慧达教育科技（北京）有限公司 | Payment method and computer storage medium |
| CN112101953A (en) * | 2020-09-28 | 2020-12-18 | 中国银行股份有限公司 | Mobile payment processing method and system using optimal payment link |
| CN113128996B (en) * | 2021-05-11 | 2022-11-18 | 支付宝(杭州)信息技术有限公司 | Payment method, device and equipment |
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| CN101599151A (en) * | 2009-07-03 | 2009-12-09 | 阿里巴巴集团控股有限公司 | A kind of system and method for self-adaptively selecting bank card for payment |
| CN104166916B (en) * | 2014-04-30 | 2016-04-27 | 深圳光启智能光子技术有限公司 | Method of payment and payment system |
| CN106296168A (en) * | 2016-07-22 | 2017-01-04 | 西安酷派软件科技有限公司 | A kind of method of mobile payment and device |
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