CN108399568A - Loaning bill method, terminal and computer readable storage medium - Google Patents
Loaning bill method, terminal and computer readable storage medium Download PDFInfo
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- CN108399568A CN108399568A CN201810178316.8A CN201810178316A CN108399568A CN 108399568 A CN108399568 A CN 108399568A CN 201810178316 A CN201810178316 A CN 201810178316A CN 108399568 A CN108399568 A CN 108399568A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The invention discloses a kind of loaning bill method, terminal and computer readable storage medium, the method includes：When terminal scans businessman's Quick Response Code, the loaning bill page that debt-credit is served by is jumped to；The associated Merchant Account of businessman's Quick Response Code is obtained in the loaning bill page, and shows the input frame of spending amount；When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and verify to the subscriber data；After the subscriber data is proved to be successful, initiation is served by debt-credit according to the spending amount and is submitted a tender, to transfer accounts from by borrower's account to Merchant Account.The present invention realizes debit operation by scanning businessman's Quick Response Code, improves the flexibility of loaning bill mode.
Description
Technical field
The present invention relates to a kind of internet financial field more particularly to loaning bill method, terminal and computer-readable storage mediums
Matter.
Background technology
With the development of internet financial technology, Investment ＆ Financing etc. is more and more widely used, existing mobile terminal
Have the functions such as investment, loaning bill.
However, although existing mobile terminal is capable of providing the function of loaning bill, but existing loaning bill pattern is more single,
It is provided solely for function of transferring accounts on single line so that the mode of loaning bill is more inflexible.
Invention content
The main purpose of the present invention is to provide a kind of loaning bill method, terminal and computer readable storage mediums, it is intended to solve
Certainly existing loaning bill mode, more single and inflexible technical problem.
To achieve the above object, the present invention provides a kind of loaning bill method, and the loaning bill method includes：
When terminal scans businessman's Quick Response Code, the loaning bill page that debt-credit is served by is jumped to；
The associated Merchant Account of businessman's Quick Response Code is obtained in the loaning bill page, and shows the input frame of spending amount；
When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and to described
Subscriber data is verified；
After the subscriber data is proved to be successful, according to the spending amount debt-credit be served by initiation submit a tender, with from
It is transferred accounts to Merchant Account in borrower's account.
Optionally, the mode of terminal scanning businessman's Quick Response Code includes：
Terminal starts debt-credit and is served by, and passes through the barcode scanning interface scanning businessman two of unlatching in the debt-credit is served by
Tie up code；Or
Terminal starts application of taking pictures, in taking pictures using shooting businessman's Quick Response Code, and to the two-dimension code image of shooting for startup
Carry out Quick Response Code identification；Or
Terminal starts third party's communications applications, passes through the barcode scanning interface scanning quotient of unlatching in third party's communications applications
Family's Quick Response Code.
Optionally, when terminal scanning businessman's Quick Response Code, the step of jumping to the loaning bill page that debt-credit is served by, wraps
It includes：
When terminal scans businessman's Quick Response Code, the H5 pages being served by are borrowed or lent money in pop-up；
When loaning bill module region in the H5 pages receives touch control operation, the loaning bill page is jumped to.
Optionally, when the spending amount for receiving input in the input frame of the spending amount, user's money is obtained
Material, and the step of being verified to the subscriber data includes：
When receiving the spending amount of input in the input frame of the spending amount, during the detection debt-credit is served by
Whether account information is logged in；
If being logged in account information, the associated subscriber data of the account information is obtained；
If being not logged in account information, user information input frame is shown in the loaning bill page, is believed with being based on the user
It ceases input frame and obtains subscriber data；
Based on big data air control engine, the subscriber data of acquisition is verified, to judge that the account information is
It is no that there is borrowing power and the corresponding loaning bill amount of borrowing power, wherein true when the account information has borrowing power
Determine subscriber data to be proved to be successful.
Optionally, described to be based on big data air control engine, the subscriber data of acquisition is verified, described in judgement
Whether the mode with borrowing power and the corresponding loaning bill amount of borrowing power includes account information：
The associated credit score of the account information is read, judges whether the account information has the power of loaning bill according to credit score
Limit and the corresponding loaning bill amount of borrowing power；Or
By main strategies application calling and obtaining user credit situation, debt-credit situation is transferred by debt-credit application and/or is passed through
Operator's informaiton is transferred in operator's application, to judge the account by user credit situation, debt-credit situation and/or operator's informaiton
Whether family information has borrowing power and the corresponding loaning bill amount of borrowing power；Or
Judge that user whether there is fraud by preset anti-fraud platform, judges whether the account information has
Borrowing power and the corresponding loaning bill amount of borrowing power.
Optionally, described after the subscriber data is proved to be successful, hair is served by debt-credit according to the spending amount
It rises and submits a tender, to include to the step of Merchant Account from transferring accounts in by borrower's account：
After inspection to the account information has borrowing power, loaning bill project is generated according to the spending amount, and will
Loaning bill project is initiated to submit a tender as target in debt-credit is served by；
It when detecting acceptance of the bid instruction, obtains by borrower's account, and according to consumption gold from by borrower's account
Volume is transferred accounts to Merchant Account.
Optionally, described after inspection to the account information has borrowing power, it is borrowed according to spending amount generation
Fund mesh, and include the step of initiating bid during debt-credit is served by using loaning bill project as target：
After inspection to the account information has borrowing power, judge whether spending amount is more than the borrowing power pair
The loaning bill amount answered；
If so, determining the corresponding amount of money of loaning bill amount in spending amount, loaning bill project is generated based on the determining amount of money, and
It initiates to submit a tender in debt-credit is served by using loaning bill project as target.
Optionally, described after the subscriber data is proved to be successful, hair is served by debt-credit according to the spending amount
It rises and submits a tender, with from transferring accounts in by borrower's account to after the step of Merchant Account, the method further includes：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
In addition, to achieve the above object, the present invention also provides a kind of terminal, the terminal include memory, processor and
It is stored in the loaning bill program that can be run on the memory and on the processor, the loaning bill program is held by the processor
The step of loaning bill method as described above is realized when row.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Loaning bill program is stored on storage medium, the loaning bill program realizes loaning bill method as described above when being executed by processor
Step.
Loaning bill method proposed by the present invention, it is online lower to be borrowed with jump to that debt-credit is served by by scanning businessman's Quick Response Code
The money page, to input spending amount in the loaning bill page, after terminal-pair subscriber data is proved to be successful, according to the spending amount
It is served by initiation in debt-credit to submit a tender, be borrowed money with being realized from transferring accounts in by borrower's account to Merchant Account so that debt-credit
Loaning bill mode in being served by is more diversified, realizes debit operation by scanning businessman's Quick Response Code, improves loaning bill mode
Flexibility.
Description of the drawings
Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of loaning bill method first embodiment of the present invention；
Fig. 3 is the refinement flow diagram of step S10 in Fig. 2；
Fig. 4 is the flow diagram of loaning bill method second embodiment of the present invention；
Fig. 5 is the flow diagram of loaning bill method 3rd embodiment of the present invention；
Fig. 6 is the refinement flow diagram of step S41 in Fig. 5；
Fig. 7 is the flow diagram of loaning bill method fourth embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly：When terminal scans businessman's Quick Response Code, jumps to debt-credit and be served by
The loaning bill page；The associated Merchant Account of businessman's Quick Response Code is obtained in the loaning bill page, and shows the input of spending amount
Frame；When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and provide to the user
Material is verified；After the subscriber data is proved to be successful, initiation is served by debt-credit according to the spending amount and is submitted a tender, with
It transfers accounts from by borrower's account to Merchant Account.To solve in a manner of existing loaning bill, more single and inflexible problem.
As shown in Figure 1, the terminal structure schematic diagram for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to.
Terminal of the embodiment of the present invention, which can be smart mobile phone, tablet computer, smartwatch etc., has the removable of display interface
Dynamic formula terminal device.
As shown in Figure 1, the terminal may include：Processor 1001, such as CPU, communication bus 1002, user interface
1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include the wireline interface (such as connecting wired keyboard, wire mouse etc.) and/or wireless interface (example of standard
It is such as used to connect Wireless Keyboard, wireless mouse).Network interface 1004 may include optionally the wireline interface of standard (for connecting
Connect cable network), (such as WI-FI interfaces, blue tooth interface, infrared interface, probe interface, 3G/4G/5G networkings are logical for wireless interface
Interface etc. is believed, for connecting wireless network).Memory 1005 can be high-speed RAM memory, can also be stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, terminal can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, audio
Circuit, WiFi module etc..
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, either combines certain components or different components arrangement.
As shown in Figure 1, as may include operating system, net in a kind of memory 1005 of computer readable storage medium
Network communication module, Subscriber Interface Module SIM and loaning bill program.Wherein, operating system is management and control terminal and software resource
Program supports the operation of network communication module, Subscriber Interface Module SIM, loaning bill program and other programs or software；Network communication
Module is for managing and controlling network interface 1002；Subscriber Interface Module SIM is for managing and controlling user interface 1003.
In terminal shown in Fig. 1, network interface 1004 is mainly used for Connection Service device, and it is logical to carry out data with server
Letter；The terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize following steps：
When scanning businessman's Quick Response Code, the loaning bill page that debt-credit is served by is jumped to；
The associated Merchant Account of businessman's Quick Response Code is obtained in the loaning bill page, and shows the input frame of spending amount；
When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and to described
Subscriber data is verified；
After the subscriber data is proved to be successful, according to the spending amount debt-credit be served by initiation submit a tender, with from
It is transferred accounts to Merchant Account in borrower's account.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
Terminal scans the step of businessman's Quick Response Code：
Start debt-credit to be served by, passes through barcode scanning interface scanning businessman's two dimension of unlatching in the debt-credit is served by
Code；Or
Start application of taking pictures, in taking pictures using shooting businessman's Quick Response Code for startup, and the two-dimension code image of shooting is carried out
Quick Response Code identifies；Or
Start third party's communications applications, passes through the barcode scanning interface scanning businessman two of unlatching in third party's communications applications
Tie up code.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
Terminal scan businessman's Quick Response Code when, jump to debt-credit be served by the loaning bill page the step of：
When scanning businessman's Quick Response Code, the H5 pages being served by are borrowed or lent money in pop-up；
When loaning bill module region in the H5 pages receives touch control operation, the loaning bill page is jumped to.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and to the subscriber data
The step of being verified：
When receiving the spending amount of input in the input frame of the spending amount, during the detection debt-credit is served by
Whether account information is logged in；
If being logged in account information, the associated subscriber data of the account information is obtained；
If being not logged in account information, user information input frame is shown in the loaning bill page, is believed with being based on the user
It ceases input frame and obtains subscriber data；
Based on big data air control engine, the subscriber data of acquisition is verified, to judge that the account information is
It is no that there is borrowing power and the corresponding loaning bill amount of borrowing power, wherein true when the account information has borrowing power
Determine subscriber data to be proved to be successful.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
Based on big data air control engine, the subscriber data of acquisition is verified, is borrowed with judging whether the account information has
The step of money permission and borrowing power corresponding loaning bill amount：
The associated credit score of the account information is read, judges whether the account information has the power of loaning bill according to credit score
Limit and the corresponding loaning bill amount of borrowing power；Or
By main strategies application calling and obtaining user credit situation, debt-credit situation is transferred by debt-credit application and/or is passed through
Operator's informaiton is transferred in operator's application, to judge the account by user credit situation, debt-credit situation and/or operator's informaiton
Whether family information has borrowing power and the corresponding loaning bill amount of borrowing power；Or
Judge that user whether there is fraud by preset anti-fraud platform, judges whether the account information has
Borrowing power and the corresponding loaning bill amount of borrowing power.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
After the subscriber data is proved to be successful, initiation is served by debt-credit according to the spending amount and is submitted a tender, with from by borrower
The step of being transferred accounts in account to Merchant Account：
After inspection to the account information has borrowing power, loaning bill project is generated according to the spending amount, and will
Loaning bill project is initiated to submit a tender as target in debt-credit is served by；
It when detecting acceptance of the bid instruction, obtains by borrower's account, and according to consumption gold from by borrower's account
Volume is transferred accounts to Merchant Account.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
After inspection to the account information has borrowing power, loaning bill project, and the project that will borrow money are generated according to the spending amount
As target the step of initiating to submit a tender during debt-credit is served by：
After inspection to the account information has borrowing power, judge whether spending amount is more than the borrowing power pair
The loaning bill amount answered；
If so, determining the corresponding amount of money of loaning bill amount in spending amount, loaning bill project is generated based on the determining amount of money, and
It initiates to submit a tender in debt-credit is served by using loaning bill project as target.
Further, described after the subscriber data is proved to be successful, it is served by debt-credit according to the spending amount
It initiates to submit a tender, with from transferring accounts in by borrower's account to after the step of Merchant Account, the terminal is adjusted by processor 1001
With the loaning bill program stored in memory 1005, to realize following steps：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
Based on above-mentioned terminal hardware structure, each embodiment of loaning bill method of the present invention is proposed.
It is the flow diagram of loaning bill method first embodiment of the present invention with reference to Fig. 2, Fig. 2.
In the present embodiment, the loaning bill method includes：
Step S10 when terminal scans businessman's Quick Response Code, jumps to the loaning bill page that debt-credit is served by；
Step S20 obtains the associated Merchant Account of businessman's Quick Response Code in the loaning bill page, and shows spending amount
Input frame；
Step S30 when receiving the spending amount of input in the input frame of the spending amount, obtains subscriber data,
And the subscriber data is verified；
Step S40 is served by initiation in debt-credit according to the spending amount and throws after the subscriber data is proved to be successful
Mark, to transfer accounts from by borrower's account to Merchant Account.
In the present embodiment, the loaning bill method is optional is applied to terminal, and the terminal is chosen as the terminal described in Fig. 1.
Before realizing loaning bill, it can first start debt-credit in the terminal and be served by, wherein it is the debt-credit service that the debt-credit, which is served by,
The server of application is developed in advance, and is reached using the application stored in store, is downloaded in this is using store by each terminal
And it uses.The debt-credit service application integration in the embodiment of the present invention has multiple function modules, each function module include but
It is not limited to：Investment module, loaning bill module and service module, wherein investment module for realizing investment, loaning bill module for realizing
It borrows money, service module is for providing respective services, such as carwash service, insurance service, trip service.
It should be noted that although existing terminal is capable of providing the functions such as investment and loaning bill, but the two functions are
It isolates out, that is, needs to realize that both functions need user in different applications in this case by different applications
Realize that investment and loan, whole operating process are relatively complicated.And in the present embodiment, it is integrated in debt-credit is served by a variety of
The execution of a variety of different function modules can be realized by an account information for function module, without holding in different applications
Row a certain kind feature operation so that the integrated operation flow of debt-credit all more convenient and smooths.
In the present embodiment, before the step S10, include the steps that download debt-credit be served by, specifically download by
Terminal is downloaded in application store, and after downloading the debt-credit and being served by, the debt-credit that terminal installation is downloaded is served by,
After the debt-credit is installed and is served by, it can be served by the enabled instruction startup debt-credit service received based on the debt-credit and answer
With.The reception mode for the enabled instruction that the debt-credit is served by includes：A, terminal monitors voice messaging by audio monitoring device,
When listening to the vice activation information that debt-credit is served by, starts the debt-credit and be served by.B, terminal is served by debt-credit
When receiving touch control operation in icon, starts the debt-credit and be served by.
The specific steps of loaning bill method are realized in this programme described in detail below：
Step S10 when terminal scans businessman's Quick Response Code, jumps to the loaning bill page that debt-credit is served by；
In the present embodiment, the mode of terminal scanning businessman's Quick Response Code includes：
Mode a, terminal start debt-credit and are served by, and pass through the barcode scanning interface scanning of unlatching in the debt-credit is served by
Businessman's Quick Response Code.
In the present embodiment, terminal can first start debt-credit and be served by, and terminal starts the specific side that debt-credit is served by
Formula has hereinbefore been described in detail, and is not repeated herein.After starting debt-credit and being served by, terminal is answered in the debt-credit service of startup
With the button at middle display barcode scanning interface, the button is chosen as physical button, is also chosen as virtual key.In pressing for barcode scanning interface
When key region detects touch control operation, start barcode scanning interface to scan businessman's Quick Response Code.
Mode b, terminal start application of taking pictures, in taking pictures using shooting businessman's Quick Response Code, and to the two dimension of shooting for startup
Code picture carries out Quick Response Code identification.
In the present embodiment, terminal starts application of taking pictures, after taking businessman's Quick Response Code in the application of taking pictures of startup,
Two-dimension code image is obtained, terminal is again identified the two-dimension code image, to obtain 2 D code information.
Mode c, terminal start third party's communications applications, pass through the barcode scanning interface of unlatching in third party's communications applications
Scan businessman's Quick Response Code.
In the present embodiment, terminal starts third party's communications applications, and third party's communications applications include but not limited to
The communications applications with two-dimensional code scanning function such as QQ applications, wechat application.After terminal starts third party's communications applications, i.e.,
Barcode scanning interface scanning businessman's Quick Response Code of unlatching can be passed through in third party's communications applications.
In the present embodiment, optional any one of the through the above way mode of terminal scans businessman's Quick Response Code, wherein side
Formula a can directly be scanned in debt-credit is served by, and be switched without in different application so that the mode scanned the two-dimensional code is more square
Just；Mode b can carry out the shooting of picture in application of taking pictures, and be identified picture to obtain Quick Response Code so that scanning side
Formula is more flexible；It can be scanned the two-dimensional code in third party's communications applications in mode c, even if terminal is being currently used third party and leads to
Letter application, need not also exit, and businessman's Quick Response Code be scanned directly in third party's communications applications so that scan mode is more
Flexibly, whole operation process is also more convenient.It should be noted that in mode b and mode c, even if terminal is fitted without debt-credit
It is served by, it is also ensured that subsequent flow normally executes.
What the mode of three enumerated kind terminal scanning businessman's Quick Response Code listed above was merely exemplary, people in the art
Member scans the mode of businessman's Quick Response Code according to various other terminals that its specific requirements is proposed using the technological thought of the present invention
It is within the scope of the invention, herein without exhaustive one by one.
After terminal is scanned to businessman's Quick Response Code, jump to what debt-credit was served by based on the businessman's Quick Response Code scanned
The loaning bill page, optional terminal are directly based upon the businessman's Quick Response Code scanned and jump in the loaning bill page that debt-credit is served by, tool
Body：If terminal is equipped with debt-credit and is served by, terminal directly initiates debt-credit based on the Quick Response Code scanned and is served by, and
In the debt-credit of startup is served by and show the debt-credit page；If terminal is not installed debt-credit and is served by, in browser application
Jump to the loaning bill page that debt-credit is served by.
Further, in order to improve the flexibility of loaning bill, include with reference to Fig. 3, the step S10：
Step S11, when terminal scans businessman's Quick Response Code, the H5 pages being served by are borrowed or lent money in pop-up；
Step S12 when the loaning bill module region in the H5 pages receives touch control operation, jumps to described borrow
The money page.
That is, when terminal scanning is to businessman's Quick Response Code, H5 (HTML5, the Hyper Text being served by are borrowed or lent money in first pop-up
Markup Languag5, the 5th generation hypertext markup language) page, specifically, the terminal determines that the Quick Response Code is corresponding
Uniform resource locator, the H5 pages being then served by according to uniform resource locator pop-up debt-credit, in H5 pages of pop-up
After face, you can when the loaning bill module region of the H5 pages receives touch control operation, jump to the loaning bill page.This
Place includes equally two kinds of situations, in the case where terminal is equipped with debt-credit and is served by, if terminal scanning determines institute to Quick Response Code
The corresponding uniform resource locator of Quick Response Code is stated, then directly initiating debt-credit according to the uniform resource locator is served by,
And show the H5 pages that debt-credit is served by, when the loaning bill module region in the H5 pages receives touch control operation, jump
It goes in the loaning bill page.In the case where terminal is not installed debt-credit and is served by, if Quick Response Code is arrived in scanning, the two dimension is first determined
Then the corresponding uniform resource locator of code is served by browser application according to uniform resource locator pop-up debt-credit
The H5 pages jump to the loaning bill page when loaning bill module region in the H5 pages receives touch control operation.
Step S20 obtains the associated Merchant Account of businessman's Quick Response Code in the loaning bill page, and shows spending amount
Input frame；
After the loaning bill page that terminal display debt-credit is served by, the association of businessman's Quick Response Code is obtained in the loaning bill page
Account, i.e. businessman's Quick Response Code can not only be linked to the loaning bill page that is served by of debt-credit, also be associated with Merchant Account
Account number.After terminal gets the associated Merchant Account of businessman's Quick Response Code in the loaning bill page, spending amount is shown
Input frame, for user input spending amount.
Step S30 when receiving the spending amount of input in the input frame of the spending amount, obtains subscriber data,
And the subscriber data is verified；
When terminal receives spending amount input by user in the input frame of the spending amount, subscriber data is obtained,
It is verified with the subscriber data to acquisition.In the present embodiment, the acquisition modes of subscriber data include：In debt-credit is served by
Logon account information obtains the associated subscriber data of account information；Terminal shows information input frame, and the letter is based on to obtain user
The subscriber data of input frame input is ceased, subscriber data includes but not limited to the name, identification card number, bank card number of user.When
After terminal gets subscriber data, the subscriber data of acquisition is verified, the verification mode of terminal-pair subscriber data is logical
It crosses big data air control engine to be verified, specific verification mode is described in detail in embodiments below.
Step S40 is served by initiation in debt-credit according to the spending amount and throws after the subscriber data is proved to be successful
Mark, to transfer accounts from by borrower's account to Merchant Account.
After terminal-pair subscriber data is proved to be successful, you can it initiates to submit a tender in debt-credit is served by according to spending amount,
When detecting acceptance of the bid, determination is transferred accounts by borrower's account, and from by borrower's account to Merchant Account.
The loaning bill method that the present embodiment proposes, online lower pass through scan what businessman's Quick Response Code was served by jump to debt-credit
The loaning bill page, to input spending amount in the loaning bill page, after terminal-pair subscriber data is proved to be successful, according to consumption gold
Volume is served by initiation in debt-credit and submits a tender, and is borrowed money with being realized from transferring accounts in by borrower's account to Merchant Account so that borrow
The loaning bill mode borrowed in being served by is more diversified, realizes debit operation by scanning businessman's Quick Response Code, improves loaning bill side
The flexibility of formula.
Further, in order to improve the safety of loaning bill, the second of loaning bill method of the present invention is proposed based on first embodiment
Embodiment.
Difference lies in reference to Fig. 4, the step with the first embodiment of loaning bill method for the second embodiment of loaning bill method
S30 includes：
Step S31 when receiving the spending amount of input in the input frame of the spending amount, detects the debt-credit clothes
Whether it is logged in account information in business application；
Step S32 obtains the associated subscriber data of the account information if being logged in account information；
Step S33 shows user information input frame, to be based on if being not logged in account information in the loaning bill page
It states user information input frame and obtains subscriber data；
Step S34 is based on big data air control engine, is verified to the subscriber data of acquisition, to judge the account
Whether family information has borrowing power and the corresponding loaning bill amount of borrowing power, wherein has in the account information and borrows money
Determine that subscriber data is proved to be successful when permission.
In the present embodiment, it when terminal receives spending amount input by user in the input frame of spending amount, first examines
It surveys during the debt-credit is served by and whether is logged in account information, wherein it is terminal between preset time that the account information is optional
Every interior logged and automatically record preservation, then terminal calculates current time distance after starting the debt-credit and being served by
The duration of last login time, if the duration is within a preset time interval, terminal also remains with account information, then can be direct
Log in account information.In addition, it is after terminal startup debt-credit is served by, first to be serviced in debt-credit that the account information is also optional
Using the login interface for account information of being hit by a bullet out, and account information input by user is received in the login interface, to be based on connecing
The account information received executes register, to realize the login of account information.In the present embodiment, the account information refers to stepping on
Record the account number and password that the debt-credit is served by, the account number includes but not limited to cell-phone number, identity card, self-defined
Number or symbol etc., the password are optional including but not limited to number and/or character.
If terminal has currently logged in account information in the debt-credit is served by, in the input of the spending amount
When receiving the spending amount of input in frame, the account information based on login obtains the associated subscriber data of account information.
It is appreciated that if terminal has not currently logged in account information in the debt-credit is served by, need to show user
Information input frame inputs subscriber data for user, specifically：User information input frame is shown in the loaning bill page, to be based on
It states user information input frame and obtains subscriber data.Associated subscriber data is obtained by the account information of login, without user hand
Dynamic input subscriber data, improves the convenience of subscriber data acquisition, and shorten the time, therefore improve the effect of loaning bill
Rate.
After getting subscriber data, it is based on big data air control engine, the subscriber data of acquisition is verified,
To judge whether the account information has borrowing power and the corresponding loaning bill amount of borrowing power, wherein in the account
Information determines that subscriber data is proved to be successful when having borrowing power.Specifically, the embodiment of the step S34 includes：
Mode one reads the associated credit score of account information, judges whether the account information has according to credit score
There are borrowing power and the corresponding loaning bill amount of borrowing power.
In the present embodiment, after getting subscriber data, the account letter of login is read in debt-credit is served by
The associated credit score of breath, to judge whether the account information there is borrowing power and the loaning bill to weigh according to the credit score
It limits corresponding loaning bill amount and determines institute when optional debt-credit reaches default basic score value provided with credit score in advance in being served by
Stating account information, there is borrowing power, the numerical value of the default basic score value not to limit, are arranged according to actual conditions.In credit
Divide the score value section for reaching default basic score value and then judging where credit score, optional different score value section is corresponding with not
Same loaning bill amount, the loaning bill amount corresponding to score value section where final determining credit score.
Mode two, by main strategies application calling and obtaining user credit situation, by borrow or lend money application transfer debt-credit situation and/
Or operator's informaiton is transferred by operator's application, to be judged by user credit situation, debt-credit situation and/or operator's informaiton
Whether the account information has borrowing power and the corresponding loaning bill amount of borrowing power；
In the present embodiment, after getting subscriber data, main strategies are called to answer in debt-credit is served by
Corresponding tool is applied with, debt-credit application and/or operator's application, main strategies application debt-credit application and/or operator
Body Apply Names do not limit, and are arranged according to actual needs.Calling main strategies application, debt-credit application and/or operator
Using later, by the main strategies application calling and obtaining user credit situation, debt-credit situation is transferred by debt-credit application and/or is led to
It crosses operator's application and transfers operator's informaiton, user credit situation is chosen as credit score of the user in main strategies application
Value, it is optional that debt-credit situation is chosen as user loaning bill situation or loan profile, operator's informaiton in borrow money application or loan application
For telephone expenses consumption of the user in operator applies.It is being deployed into user credit situation, debt-credit situation and operator's informaiton
Later, judge whether the account information has borrowing power by user credit situation, debt-credit situation and/or operator's informaiton
And the corresponding loaning bill amount of borrowing power.Specifically：
When the score value of user credit situation reaches default basic score value, determine that the account information has borrowing power,
The numerical value of the default basic score value does not limit, and is arranged according to actual conditions.Reach default in the score value of user credit situation
Basic score value and then judge score value section where the score value of user credit situation, optional different score value section is corresponding with
Different loaning bill amounts, the loaning bill amount corresponding to score value section where the final score value for determining user credit situation.
When the borrowing balance of loaning bill situation is less than default basic amount, determine that account information has borrowing power, then
Judge that the amount section where borrowing balance, optional different amount section are corresponding with different loaning bill amounts, final determination is borrowed
The loaning bill amount corresponding to amount section where the money amount of money.
When the amount of the loan of loan profile reaches default basic amount, determine that account information has borrowing power, then
Judge that the amount section where the amount of the loan, optional different amount section are corresponding with different loaning bill amounts, final determine is borrowed
The loaning bill amount corresponding to amount section where the money amount of money.
When the monthly telephone expenses consumption of operator's informaiton reaches default telephone expenses value, determines that account information has to borrow money and weigh
Limit, then judges that the telephone expenses section where telephone expenses consumption, optional different telephone expenses section are corresponding with different loaning bill amounts,
The loaning bill amount corresponding to telephone expenses section where final determining telephone expenses consumption.
Mode three judges that user whether there is fraud by preset anti-fraud platform, judges the account information
Whether there is borrowing power and the corresponding loaning bill amount of borrowing power.
In the present embodiment, after getting subscriber data, anti-fraud platform is called in debt-credit is served by, with
Inquiry user can if inquiring the record there are fraud with the presence or absence of the record of fraud in anti-fraud platform
Determine that account information does not have borrowing power, if not inquiring the record of fraud, it is determined that account information, which has, borrows
Money permission, and amount of borrowing money possessed by account information is determined according to loaning bill amount set in advance.In the present embodiment, lead to
Above-mentioned various big data air control engines are crossed, the subscriber data of user are verified to judge the account information of user information correlation
The loaning bill amount whether there is borrowing power and the borrowing power to have improves the accuracy for verification of borrowing money, also refers to
The safety of loaning bill.
Further, in order to improve the safety of loaning bill, the third of loaning bill method of the present invention is proposed based on second embodiment
Embodiment.
Difference lies in reference to Fig. 5, the step with the second embodiment of loaning bill method for the 3rd embodiment of loaning bill method
S40 includes：
Step S41 generates loaning bill item after inspection to the account information has borrowing power according to the spending amount
Mesh, and initiate to submit a tender in debt-credit is served by using loaning bill project as target；
Step S42 is obtained when detecting acceptance of the bid instruction by borrower's account, and according to institute from by borrower's account
Spending amount is stated to transfer accounts to Merchant Account.
In the present embodiment, it is getting subscriber data and (the i.e. associated account of subscriber data is proved to be successful to subscriber data
Family has borrowing power and loaning bill amount) after, loaning bill project is generated according to spending amount is obtained, using loaning bill project as mark
(phonetic notation：Bi ā o d ì) it initiates to submit a tender in debt-credit is served by, specifically, include with reference to Fig. 6, the step S41：
It is described to judge whether spending amount is more than after inspection to the account information has borrowing power by step S411
The corresponding loaning bill amount of borrowing power；
Step S412 is borrowed if so, determining the corresponding amount of money of loaning bill amount in spending amount based on determining amount of money generation
Fund mesh, and initiate to submit a tender in debt-credit is served by using loaning bill project as target.
That is, terminal first judges whether the spending amount is borrowed more than this after inspection to account information has borrowing power
The corresponding loaning bill amount of money permission determines if spending amount is more than the corresponding loaning bill amount of borrowing power in spending amount
The corresponding amount of money of loaning bill amount, and based on the amount of money of the determination generate loaning bill project, using the loaning bill project as target by means of
Loan is served by middle initiation and submits a tender.And the spending amount beyond loaning bill amount executes payment by terminal and closes.
If being appreciated that, spending amount is less than or equal to loaning bill amount, can be directly based upon spending amount and generate loaning bill item
Mesh initiates to submit a tender using the loaning bill project as target in debt-credit is served by.
It should be noted that when terminal using loaning bill project as target during debt-credit is served by initiate submit a tender after, if
Receive acceptance of the bid instruction, you can obtain by borrower's account, and by spending amount from transferring accounts in by borrower's account to businessman's account
Family.
Further, in order to improve the safety of loaning bill, loaning bill method of the present invention is proposed based on first to 3rd embodiment
Fourth embodiment.
The fourth embodiment of loaning bill method with the first of loaning bill method to 3rd embodiment difference lies in, with reference to Fig. 7, institute
After stating step S40, the method further includes：
Step S50 determines the corresponding borrowing balance of debit operation after executing debit operation；
Step S60, the mapping relations based on preset borrowing balance and integral obtain the corresponding product of determining borrowing balance
Point；
Step S70, will be in the corresponding integral storage to points account of borrowing balance.
In the present embodiment, after terminal has executed debit operation in loaning bill module, determine that this executes the behaviour that borrows money
Make corresponding borrowing balance, then inquire the correspondence of borrowing balance and integral set in advance, that is, in advance be provided with transfer accounts it is more
How many integral few borrowing balance corresponds to, then after determining the corresponding borrowing balance of debit operation, you can obtain determining
The corresponding integral of borrowing balance finally stores the integral of acquisition into points account, that is, increases the integral in points account,
In, the points account is in the account information that debt-credit is served by associated sub- account, for storing integral.
In the present embodiment, after terminal has executed debit operation, the integral in points account is increased according to the operation,
So that subsequently enjoying service according to the integral in points account, improves debt-credit and be served by the flexibility used.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with loaning bill program, the loaning bill program realizes loaning bill method as described above when being executed by processor the step of.
The specific implementation mode of computer readable storage medium and each embodiment of above-mentioned loaning bill method are almost the same,
It is not repeated herein.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements include not only those elements, and
And further include the other elements being not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
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 embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be fixed terminal, such as object
The smart homes such as networked intelligent device, including intelligent air condition, intelligent electric lamp, intelligent power, intelligent router；It can also be movement
Many networked devices such as terminal, including smart mobile phone, wearable networking AR/VR devices, intelligent sound box, autonomous driving vehicle)
Execute the method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of loaning bill method, which is characterized in that the loaning bill method includes：
When terminal scans businessman's Quick Response Code, the loaning bill page that debt-credit is served by is jumped to；
The associated Merchant Account of businessman's Quick Response Code is obtained in the loaning bill page, and shows the input frame of spending amount；
When receiving the spending amount of input in the input frame of the spending amount, subscriber data is obtained, and to the user
Data is verified；
After the subscriber data is proved to be successful, according to the spending amount debt-credit be served by initiation submit a tender, with from by by means of
Money acknowledges a debt and transfers accounts to Merchant Account in family.
2. loaning bill method as described in claim 1, which is characterized in that the mode of terminal scanning businessman's Quick Response Code includes：
Terminal starts debt-credit and is served by, and passes through barcode scanning interface scanning businessman's two dimension of unlatching in the debt-credit is served by
Code；Or
Terminal starts application of taking pictures, and in taking pictures using shooting businessman's Quick Response Code for startup, and is carried out to the two-dimension code image of shooting
Quick Response Code identifies；Or
Terminal starts third party's communications applications, passes through the barcode scanning interface scanning businessman two of unlatching in third party's communications applications
Tie up code.
3. loaning bill method as described in claim 1, which is characterized in that when terminal scanning businessman's Quick Response Code, jump to and borrow
Borrow be served by the loaning bill page the step of include：
When terminal scans businessman's Quick Response Code, the H5 pages being served by are borrowed or lent money in pop-up；
When loaning bill module region in the H5 pages receives touch control operation, the loaning bill page is jumped to.
4. loaning bill method as described in claim 1, which is characterized in that described to be received in the input frame of the spending amount
When the spending amount of input, subscriber data is obtained, and the step of being verified to the subscriber data includes：
When receiving the spending amount of input in the input frame of the spending amount, detect it is described debt-credit be served by whether
It is logged in account information；
If being logged in account information, the associated subscriber data of the account information is obtained；
If being not logged in account information, user information input frame is shown in the loaning bill page, it is defeated to be based on the user information
Enter frame and obtains subscriber data；
Based on big data air control engine, the subscriber data of acquisition is verified, to judge whether the account information has
There are borrowing power and the corresponding loaning bill amount of borrowing power, wherein determine and use when the account information has borrowing power
Family data test success.
5. loaning bill method as claimed in claim 4, which is characterized in that it is described to be based on big data air control engine, to the institute of acquisition
It states subscriber data to be verified, to judge whether the account information has borrowing power and the corresponding amount issued of borrowing power
The mode of degree includes：
Read the associated credit score of the account information, according to credit score judge the account information whether have borrowing power with
And the corresponding loaning bill amount of borrowing power；Or
By main strategies application calling and obtaining user credit situation, debt-credit situation is transferred by debt-credit application and/or passes through operation
Operator's informaiton is transferred in quotient's application, to judge that the account is believed by user credit situation, debt-credit situation and/or operator's informaiton
Whether breath has borrowing power and the corresponding loaning bill amount of borrowing power；Or
Judge that user whether there is fraud by preset anti-fraud platform, judges whether the account information has and borrow money
Permission and the corresponding loaning bill amount of borrowing power.
6. loaning bill method as claimed in claim 4, which is characterized in that it is described after the subscriber data is proved to be successful, according to
The spending amount is served by initiation in debt-credit and submits a tender, to be wrapped from transferring accounts to the step of Merchant Account in by borrower's account
It includes：
After inspection to the account information has borrowing power, loaning bill project is generated according to the spending amount, and will loaning bill
Project is initiated to submit a tender as target in debt-credit is served by；
It when detecting acceptance of the bid instruction, obtains by borrower's account, and turns according to the spending amount from by borrower's account
Account is to Merchant Account.
7. loaning bill method as claimed in claim 6, which is characterized in that described to examine to the account information with the power of borrowing money
After limit, loaning bill project is generated according to the spending amount, and initiate to throw in debt-credit is served by using loaning bill project as target
Target step includes：
After inspection to the account information has borrowing power, it is corresponding to judge whether spending amount is more than the borrowing power
Loaning bill amount；
If so, determining the corresponding amount of money of loaning bill amount in spending amount, loaning bill project is generated based on the determining amount of money, and will borrow
Fund mesh initiates to submit a tender as target in debt-credit is served by.
8. such as claim 1-7 any one of them loaning bill methods, which is characterized in that described to be proved to be successful in the subscriber data
Afterwards, it is served by initiation in debt-credit according to the spending amount to submit a tender, to transfer accounts to Merchant Account from by borrower's account
After step, the method further includes：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
9. a kind of terminal, which is characterized in that the terminal includes memory, processor and is stored on the memory and can be
The loaning bill program run on the processor is realized when the loaning bill program is executed by the processor as in claim 1 to 8
The step of any one of them loaning bill method.
10. a kind of computer readable storage medium, which is characterized in that be stored with loaning bill journey on the computer readable storage medium
Sequence is realized when the loaning bill program is executed by processor such as the step of loaning bill method described in any item of the claim 1 to 8.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2018101440793 | 2018-02-10 | ||
| CN201810144079 | 2018-02-10 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108399568A true CN108399568A (en) | 2018-08-14 |
Family
ID=63092204
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810178316.8A Pending CN108399568A (en) | 2018-02-10 | 2018-03-02 | Loaning bill method, terminal and computer readable storage medium |
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| Country | Link |
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Cited By (1)
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Application publication date: 20180814 |