CN108712325B - Dynamic account notification method, device and computer readable storage medium - Google Patents
Dynamic account notification method, device and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a dynamic account notification method, a device and a computer readable storage medium, wherein the dynamic account notification method comprises the following steps: when an external triggered dynamic account notification request is received, acquiring a user account in the dynamic account notification request; judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state or not; and when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule. The invention can automatically pay attention to the dynamic account notification subscription number of the user account when the state of the dynamic account notification subscription number is the non-attention state, thereby improving the initiative of the dynamic account notification.
Description
Technical Field
The present invention relates to the field of communications, and in particular, to a dynamic account notification method, device, and computer-readable storage medium.
Background
The account change notification means that when the amount of money in the bank card account changes, the bank informs the user of the bank card account of the account change notification information, so that the user can know the changed amount of money, the balance of the bank card account and the like.
At present, the dynamic account notification mode includes a short message dynamic account notification, an APP dynamic account notification, and the like. The short message dynamic account notification means that the bank sends dynamic account notification information to a mobile phone number reserved by a user in a short message mode, but the user needs to go to a bank counter to open the mobile phone number, and the mobile phone number is delayed, poor in convenience and timeliness, while the APP dynamic account notification needs the user to manually pay attention to a dynamic account notification subscription number to receive the dynamic account notification information sent by the bank, so that automatic attention to the dynamic account notification subscription number cannot be realized, and the initiative is poor.
Therefore, the APP dynamic account notification has the problems that automatic attention of the subscription number of the dynamic account notification cannot be realized, and the initiative is poor.
Disclosure of Invention
The invention mainly aims to provide a dynamic account notification method, equipment and a computer readable storage medium, aiming at solving the technical problems that the automatic attention of a subscription number of the dynamic account notification cannot be realized and the initiative is poor.
In order to achieve the above object, the present invention provides an account change notification method, including the following steps:
when an external triggered dynamic account notification request is received, acquiring a user account in the dynamic account notification request;
judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state or not;
and when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule.
Optionally, the step of determining whether the status of the dynamic account notification subscription number of the user account is an unapproved status includes:
judging whether the identification information of the user account is preset identification information or not;
if the identification information is preset identification information, judging that the state of the dynamic account notification subscription number of the user account is a concerned state;
and if the identification information is not preset identification information, judging that the state of the dynamic account notification subscription number of the user account is an unapproved state.
Optionally, before the step of determining whether the status of the dynamic account notification subscription number of the user account is an unapproved status, the dynamic account notification method further includes:
judging whether the user account is in a preset database or not;
if the user account is in a preset database, executing a step of judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state;
and if the user account is not in a preset database, notifying the user to be notified in the dynamic account notification request according to a preset dynamic account notification mode.
Optionally, after the step of acquiring the user account in the dynamic account notification request when an external triggered dynamic account notification request is received, the dynamic account notification method further includes:
acquiring dynamic account information in the dynamic account notification request, and judging whether the dynamic account information is abnormal or not;
and when the dynamic account information is abnormal, generating dynamic account abnormal information, and writing the dynamic account abnormal information into dynamic account notification information in the dynamic account notification request.
Optionally, the step of determining whether the dynamic account information is abnormal includes:
judging whether the transaction amount in the account moving information is larger than a preset amount or not;
if the transaction amount in the dynamic account information is larger than the preset amount, judging that the dynamic account information is abnormal;
and if the transaction amount in the dynamic account information is less than or equal to the preset amount, judging that the dynamic account information is normal.
Optionally, after the step of determining whether the transaction amount in the account mobilization information is greater than a preset amount, the method further includes:
if the dynamic account transaction in the dynamic account information is larger than the preset amount, judging whether the dynamic account time in the dynamic account information is within a preset time period;
if the dynamic account time in the dynamic account information is within a preset time period, executing a step of judging that the dynamic account information is abnormal;
and if the dynamic account time in the dynamic account information is not within a preset time period, executing a step of judging that the dynamic account information is normal.
Optionally, the dynamic account notification method further includes:
receiving an account freezing request reported by the mobile terminal based on the dynamic account abnormal information;
acquiring freezing information in the account freezing request, and verifying the freezing information;
and when the freezing information passes the verification, freezing the bank card account in the account freezing request.
Optionally, the dynamic account notification method further includes:
receiving an account unfreezing request reported by a mobile terminal, and acquiring unfreezing information in the account unfreezing request;
and verifying the unfreezing information, and unfreezing the bank card account in the account unfreezing request when the unfreezing information passes the verification.
In addition, to achieve the above object, the present invention also provides a dynamic account notification apparatus, including: the dynamic account notification method comprises the following steps of a memory, a processor and a dynamic account notification program which is stored on the memory and can run on the processor, wherein the dynamic account notification program realizes the steps of the dynamic account notification method when being executed by the processor.
The present invention also provides a computer-readable storage medium having stored thereon an dynamic account notification program which, when executed by a processor, implements the steps of the dynamic account notification method as described above.
The invention obtains the user account number in the dynamic account notification request when receiving the dynamic account notification request triggered externally, judges whether the state of the dynamic account notification subscription number of the user account number is in an unapproved state, then sets the state of the dynamic account notification subscription number of the user account number to a concerned state when the state of the dynamic account notification subscription number of the user account number is in the unapproved state, sends the dynamic account notification information in the dynamic account notification request to the mobile terminal logged in the user account number so that the mobile terminal displays the dynamic account notification information according to a preset display rule, and can automatically pay attention to the dynamic account notification subscription number of the user account number when the state of the dynamic account notification subscription number is in the unapproved state by judging the state of the dynamic account notification subscription number of the user account number in the dynamic account notification request when receiving the dynamic account notification request, the mobile terminal logged with the user account receives the dynamic account notification information, and in addition, the dynamic account notification information is displayed according to the preset display rule, so that the user can preview the dynamic account notification information more quickly.
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FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a dynamic account notification method according to a first embodiment of the present invention;
fig. 3 is a detailed flowchart of the step of determining whether the status of the dynamic account notification subscription number of the user account is an unapproved status in fig. 2;
FIG. 4 is a schematic diagram of a notification interface of dynamic account notification information according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a restriction interface of an account notification subscription number according to an embodiment of the present invention;
FIG. 6 is a flowchart illustrating a dynamic account notification method according to a second embodiment of the present invention;
FIG. 7 is a flowchart illustrating a dynamic account notification method according to a third embodiment of the present invention;
FIG. 8 is a detailed flowchart of the step of determining whether the dynamic account information is abnormal shown in FIG. 7;
fig. 9 is a schematic flowchart of a further detailed process of determining whether the dynamic account information is abnormal according to the fourth embodiment of the present invention;
fig. 10 is a flowchart illustrating a dynamic account notification method according to a fifth embodiment of the present invention;
fig. 11 is a flowchart illustrating a dynamic account notification method according to a sixth embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The main solution of the embodiment of the invention is as follows: when an external triggered dynamic account notification request is received, a user account in the dynamic account notification request is obtained, whether the state of a dynamic account notification subscription number of the user account is in an unapproved state or not is judged, then when the state of the dynamic account notification subscription number of the user account is in the unapproved state, the state of the dynamic account notification subscription number of the user account is set to be in a concerned state, dynamic account notification information in the dynamic account notification request is sent to a mobile terminal which logs in the user account, and the mobile terminal displays the dynamic account notification information according to a preset display rule.
Because the APP movable account notification needs the user to manually pay attention to the movable account notification subscription number to receive the movable account notification information sent by the bank, the problem that automatic attention to the movable account notification subscription number cannot be realized and the initiative is poor exists.
The invention provides a solution, when a dynamic account notification request is received, the state of a dynamic account notification subscription number of a user account in the dynamic account notification request is judged, so that when the state of the dynamic account notification subscription number is an unapproved state, the dynamic account notification subscription number of the user account can be automatically concerned, a mobile terminal logged with the user account receives dynamic account notification information, and in addition, the dynamic account notification information is displayed according to a preset display rule, so that a user can preview the dynamic account notification information more quickly.
As shown in fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.
The device of the embodiment of the invention can be a PC, and can also be a mobile terminal device with a display function, such as a smart phone, a tablet computer, an electronic book reader, a portable computer and the like.
As shown in fig. 1, the dynamic account notification apparatus may include: a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the dynamic account notification device may further include a camera, a Radio Frequency (RF) circuit, a sensor, an audio circuit, a WiFi module, and the like. Such as light sensors, motion sensors, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display screen according to the brightness of ambient light, and a proximity sensor that may turn off the display screen and/or the backlight when the mobile terminal is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), detect the magnitude and direction of gravity when the mobile terminal is stationary, and can be used for applications (such as horizontal and vertical screen switching, related games, magnetometer attitude calibration), vibration recognition related functions (such as pedometer and tapping) and the like for recognizing the attitude of the mobile terminal; of course, the mobile terminal may also be configured with other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which are not described herein again.
Those skilled in the art will appreciate that the configuration of the dynamic account notification apparatus shown in fig. 1 does not constitute a limitation of the dynamic account notification apparatus and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an account change notification program.
In the dynamic account notification apparatus shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the user interface 1003 is mainly used for connecting a client (user side) and performing data communication with the client; and the processor 1001 may be configured to call the dynamic account notification program stored in the memory 1005, and perform the following steps:
when an external triggered dynamic account notification request is received, acquiring a user account in the dynamic account notification request;
judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state or not;
and when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule.
Further, the step of judging whether the status of the dynamic account notification subscription number of the user account is an unapproved status includes:
judging whether the identification information of the user account is preset identification information or not;
if the identification information is preset identification information, judging that the state of the dynamic account notification subscription number of the user account is a concerned state;
and if the identification information is not preset identification information, judging that the state of the dynamic account notification subscription number of the user account is an unapproved state.
Further, the processor 1001 may be configured to call the dynamic account notification program stored in the memory 1005, and perform the following steps:
judging whether the user account is in a preset database or not;
if the user account is in a preset database, executing a step of judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state;
and if the user account is not in a preset database, notifying the user to be notified in the dynamic account notification request according to a preset dynamic account notification mode.
Further, the processor 1001 may be configured to call the dynamic account notification program stored in the memory 1005, and perform the following steps:
acquiring dynamic account information in the dynamic account notification request, and judging whether the dynamic account information is abnormal or not;
and when the dynamic account information is abnormal, generating dynamic account abnormal information, and writing the dynamic account abnormal information into dynamic account notification information in the dynamic account notification request.
Further, the step of judging whether the dynamic account information is abnormal includes:
judging whether the transaction amount in the account moving information is larger than a preset amount or not;
if the transaction amount in the dynamic account information is larger than the preset amount, judging that the dynamic account information is abnormal;
and if the transaction amount in the dynamic account information is less than or equal to the preset amount, judging that the dynamic account information is normal.
Further, the step of judging whether the dynamic account information is abnormal further includes:
if the dynamic account transaction in the dynamic account information is larger than the preset amount, judging whether the dynamic account time in the dynamic account information is within a preset time period;
if the dynamic account time in the dynamic account information is within a preset time period, executing a step of judging that the dynamic account information is abnormal;
and if the dynamic account time in the dynamic account information is not within a preset time period, executing a step of judging that the dynamic account information is normal.
Further, the processor 1001 may be configured to call the dynamic account notification program stored in the memory 1005, and perform the following steps:
receiving an account freezing request reported by the mobile terminal based on the dynamic account abnormal information;
acquiring freezing information in the account freezing request, and verifying the freezing information;
and when the freezing information passes the verification, freezing the bank card account in the account freezing request.
Further, the processor 1001 may be configured to call the dynamic account notification program stored in the memory 1005, and perform the following steps:
receiving an account unfreezing request reported by a mobile terminal, and acquiring unfreezing information in the account unfreezing request;
and verifying the unfreezing information, and unfreezing the bank card account in the account unfreezing request when the unfreezing information passes the verification.
The specific embodiment of the dynamic account notification apparatus of the present invention is substantially the same as each specific embodiment of the dynamic account notification method described below, and details are not described herein.
The invention provides a dynamic account notification method.
Referring to fig. 2, fig. 2 is a flowchart illustrating a dynamic account notification method according to a first embodiment of the present invention.
In this embodiment, the dynamic account notification method includes:
step S101, when an external triggered dynamic account notification request is received, a user account in the dynamic account notification request is obtained;
the dynamic account notification method is applied to dynamic account notification equipment, the dynamic account notification equipment performs data interaction with a mobile terminal through a network interface, and the mobile terminal comprises a smart phone, a tablet personal computer and the like. Install bank APP among this mobile terminal, this bank APP possesses the account of moving and notifies the subscription number, and the user uses the cell-phone number to register to set up the login password, be about to the cell-phone number as the user account number of logging in bank APP. The user associates and binds a bank card account and a user account in a bank APP, when the bank card account is associated and bound, password verification, mobile phone verification, identity verification and the like are carried out on the bank card account, after verification is successful, the user account is marked, and the marked information is APP marking information, for example, a transaction password, a reserved mobile phone number and a user identity card number of the bank card account are input, and the transaction password, the mobile phone number and the identity card number are verified, so that password verification, mobile phone verification and identity verification are completed. In specific implementation, a plurality of bank card accounts can be associated and bound in the bank APP, and it should be noted that the plurality of bank card accounts belong to the same user and the same bank.
When a user uses a bank card bound by association to pay, trade or consume, so that the amount in the account number of the bank card changes, a bank system executes corresponding payment, trade or deduction operation, then a dynamic account notification request is generated and sent to dynamic account notification equipment, the dynamic account notification equipment acquires the user account number from the dynamic account notification request, the dynamic account notification request carries the user account number, a trade account (bank card account number), dynamic account notification information, identification information and the like, the dynamic account notification information comprises the changed amount, the dynamic account direction, the trade time, the trade position, the trade type and the like, and the trade type comprises WeChat account transfer (transfer from the bank card bound by association), payment transfer account transfer (transfer from the bank card bound by association), UnionPay POS consumption, online banking payment and the like. The account transfer is to include a merchant account number, a bank card account number for receiving a transfer, and the like.
Step S102, judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state;
after obtaining the user account, the dynamic account notification device judges whether the dynamic account notification subscription number of the user account is in an unapproved state. Specifically, referring to fig. 3, fig. 3 is a detailed flowchart of step S102 shown in fig. 2, where step S102 includes:
s1021, judging whether the identification information of the user account is preset identification information or not;
s1022, if the identification information is preset identification information, determining that the status of the dynamic account notification subscription number of the user account is a concerned status;
and S1023, if the identification information is not preset identification information, judging that the state of the dynamic account notification subscription number of the user account is an unapproved state.
The mobile account notification device acquires identification information of the user account from the mobile account notification request, and judges whether the identification information is preset identification information, if the identification information is the preset identification information, the state of the mobile account notification subscription number of the user account can be judged to be a concerned state, if the identification information is not the preset identification information, the state of the mobile account notification subscription number of the user account can be judged to be an unapproved state, the preset identification information is APP identification information and is used for distinguishing short mobile account notification and subscription mobile account notification, and when the identification information is the APP identification information, the bank card account opens the subscription mobile account notification. In specific implementation, each user can simultaneously open a short message dynamic account notification service and a subscription number dynamic account notification service.
And step S103, when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule.
The dynamic account notification device obtains that the state of the dynamic account notification subscription number of the user account is an unapproved state by judging, and sets the state of the dynamic account notification subscription number of the user account to be an attended state, namely, the dynamic account notification device automatically attends to the dynamic account notification subscription number, and sends dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account, the mobile terminal receives the dynamic account notification information sent by the dynamic account notification device and displays the dynamic account notification information according to a preset display rule, the preset display rule is a consumption amount highlight rule, and the specific highlight mode comprises displaying consumption amount and word number for increasing the consumption amount in bright color. Fig. 4 is a schematic diagram of a notification interface of the account moving notification information in the embodiment of the present invention, and as shown in fig. 4, the notification interface displays a unionpay POS consumption notification, increases the displayed consumption amount to 175.00, and displays the transaction time to 18:04 at 23.23.04/04/175.00 yuan, and the transaction type is unionpay POS consumption, and the transaction amount is renminbi and the merchant remark.
In specific implementation, after the dynamic account notification subscription number pays attention to, the bank APP limits the user, so that the user cannot manually cancel the attention of the dynamic account notification subscription number, the phenomenon that the attention of the dynamic account notification subscription number is cancelled due to improper operation of the user is prevented, and the dynamic account notification information can be effectively ensured to be informed to the user. Fig. 5 is a schematic diagram of a restriction interface of an account notification subscription number in an embodiment of the present invention, and as shown in fig. 5, the schematic diagram of the restriction interface cannot be operated by a user and is in a restriction state.
In this embodiment, when an externally triggered dynamic account notification request is received, the present invention obtains a user account in the dynamic account notification request, and determines whether a state of a dynamic account notification subscription number of the user account is an unapproved state, and then when the state of the dynamic account notification subscription number of the user account is the unapproved state, sets the state of the dynamic account notification subscription number of the user account to a focused state, and sends the dynamic account notification information in the dynamic account notification request to a mobile terminal that has logged in the user account, so that the mobile terminal displays the dynamic account notification information according to a preset display rule, when the dynamic account notification request is received, by determining the state of the dynamic account notification subscription number of the user account in the dynamic account notification request, the present invention can automatically focus on the dynamic account notification subscription number of the user account when the state of the dynamic account notification subscription number is the unapproved state, the mobile terminal logged with the user account receives the dynamic account notification information, and in addition, the dynamic account notification information is displayed according to the preset display rule, so that the user can preview the dynamic account notification information more quickly.
Further, referring to fig. 6, a second embodiment of the dynamic account notification method according to the present invention is proposed based on the first embodiment, and is different from the foregoing embodiments in that, before step S102, the dynamic account notification method further includes:
step S104, judging whether the user account is in a preset database;
if the user account is in a preset database, executing step S102, namely, determining whether the status of the dynamic account notification subscription number of the user account is an unapproved status;
step S105, if the user account is not in the preset database, notifying the user to be notified in the dynamic account notification request according to a preset dynamic account notification manner.
After obtaining a user account, the dynamic account notification device determines whether the user account is in a preset database, namely, whether the user account is an APP registered user is verified, a user account of a registered bank APP is stored in the preset database, if the user account is in the preset database, the user account can be determined as the APP registered user, at this time, whether the state of a dynamic account notification subscription number of the user account is an unapproved state is determined, if the user account is not in the preset database, it can be determined that the user account is not the APP registered user, at this time, the dynamic account notification device notifies a user to be notified in a dynamic account notification request in a preset dynamic account notification manner, the preset dynamic account notification manner is a short message dynamic account notification, namely, the dynamic account notification device sends dynamic account notification information to a reserved mobile phone in a short message manner
In this embodiment, when the user account is the APP registration account, the user is notified according to the dynamic account notification subscription number, and when the user account is not the APP registration account, the user is notified of the dynamic account notification in a short message manner, so that the user can be effectively ensured to obtain the dynamic account notification.
Further, referring to fig. 7, a third embodiment of the dynamic account notification method of the present invention is proposed based on the above first or second embodiment, and is different from the foregoing embodiments in that after step S101, the dynamic account notification method further includes:
step S106, obtaining the dynamic account information in the dynamic account notification request, and judging whether the dynamic account information is abnormal or not;
and step S107, when the dynamic account information is abnormal, generating dynamic account abnormal information, and writing the dynamic account abnormal information into dynamic account notification information in the dynamic account notification request.
The dynamic account notification device acquires dynamic account information in the dynamic account notification request and judges whether the dynamic account information is abnormal or not, wherein the dynamic account information comprises transaction amount, transaction time, transaction position and the like.
Specifically, referring to fig. 8, fig. 8 is a detailed flowchart of step S106 described in fig. 7, where the step S106 includes:
step S1061, judging whether the transaction amount in the account moving information is larger than a preset amount;
step S1062, if the transaction amount in the dynamic account information is larger than a preset amount, determining that the dynamic account information is abnormal;
step S1063, if the transaction amount in the dynamic account information is less than or equal to a preset amount, determining that the dynamic account information is normal.
The dynamic account notification device judges whether the transaction amount in the dynamic account information is larger than a preset amount, if the transaction amount in the dynamic account information is larger than the preset amount, the dynamic account information can be judged to be abnormal, and if the transaction amount in the dynamic account information is smaller than or equal to the preset amount, the dynamic account information can be judged to be normal. When the dynamic account information is abnormal, generating abnormal dynamic account information, writing the abnormal dynamic account information into the dynamic account notification information in the dynamic account notification request, sending the follow-up account notification information to the mobile terminal, and sending a prompt when the mobile terminal receives the abnormal dynamic account information, so that a user can know the abnormal dynamic account and process the abnormal dynamic account in time. The abnormal account information comprises abnormal amount, abnormal bank card account number and the like.
In the embodiment, the method and the device for processing the dynamic account information verify the normal abnormity of the dynamic account information, can issue the abnormal dynamic account information to the mobile terminal when the dynamic account information is abnormal, is convenient for a user to quickly know the dynamic account abnormity, can process the dynamic account abnormity in time, and reduces the economic loss of the user.
Further, a fourth embodiment of the dynamic ledger notification method of the present invention is proposed based on the above-mentioned third embodiment, and is different from the foregoing embodiments in that, after the step S1061, the step S106 further includes:
s1064, if the dynamic account transaction in the dynamic account information is larger than a preset amount, judging whether the dynamic account direction in the dynamic account information is abnormal;
if the dynamic account time in the dynamic account information is within a preset time period, executing step S1062, namely judging that the dynamic account information is abnormal;
and if the dynamic account time in the dynamic account information is not within the preset time period, executing step S1063, that is, determining that the dynamic account information is normal.
When the amount of the dynamic account transaction in the dynamic account information is larger than the preset amount, the dynamic account notification device further determines whether the dynamic account time in the dynamic account information is within a preset time period, if the dynamic account time in the dynamic account information is within the preset time period, the dynamic account information is abnormal, and if the dynamic account time in the dynamic account information is not within the preset time period, the dynamic account information is normal, wherein the preset time period is from 1 point in the morning to 6 points in the morning or from 1 point in the morning to 7 points in the morning, which is not limited in the invention.
In this embodiment, when the account moving transaction amount in the account moving information is greater than the preset amount, whether the account moving time is within the preset time period is verified, so that the positive abnormality of the account moving information is further verified, and the positive abnormality accuracy of the account moving information can be effectively improved.
Further, a fifth embodiment of the dynamic account notification method of the present invention is proposed based on the above-described third embodiment, and is different from the foregoing embodiments in that the dynamic account notification method further includes:
step S108, receiving an account freezing request reported by the mobile terminal based on the dynamic account abnormal information;
step S109, acquiring the freezing information in the account freezing request, and verifying the freezing information;
and step S110, when the freezing information passes the verification, freezing the bank card account in the account number freezing request.
The mobile terminal displays abnormal information of the account number, at the moment, a user triggers an account number freezing request, the mobile terminal reports the account number freezing request to the account number notification device, the account number notification device obtains freezing information from the account number freezing request and verifies the freezing information, when the freezing information passes the verification, the bank card account in the account number freezing request is frozen, and the freezing information comprises a freezing password, a bank card number and an identity card number.
In this embodiment, when receiving the freeze request, the dynamic account notification device of the present invention verifies the freeze information in the freeze request, and when the freeze information passes the verification, freezes the corresponding bank card account, so that when the bank card account sends an exception, the bank card account can be timely frozen, and the fund in the bank card account is prevented from being stolen.
Further, a sixth embodiment of the dynamic account notification method of the present invention is proposed based on the above fifth embodiment, and is different from the foregoing embodiments in that the dynamic account notification method further includes:
step S111, receiving an account unfreezing request reported by a mobile terminal, and acquiring unfreezing information in the account unfreezing request;
and step S112, verifying the unfreezing information, and unfreezing the bank card account in the account unfreezing request when the unfreezing information passes the verification.
The account moving notification equipment receives an account unfreezing request reported by a mobile terminal, acquires unfreezing information in the account unfreezing request and verifies the unfreezing information, wherein the unfreezing information comprises an identity card number, a finger fingerprint, an unfreezing password and the like of a user of a bank card account to be unfrozen, and when the identity card number, the finger fingerprint and the unfreezing password pass verification, the bank card account in the account unfreezing request is unfrozen.
In the embodiment, the frozen bank card account can be quickly thawed when the thawing information passes the verification, so that the method and the device are convenient for users to use.
Furthermore, an embodiment of the present invention further provides a computer-readable storage medium, where a dynamic account notification program is stored on the computer-readable storage medium, and when the dynamic account notification program is executed by a processor, the method further includes:
when an external triggered dynamic account notification request is received, acquiring a user account in the dynamic account notification request;
judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state or not;
and when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule.
Further, the step of judging whether the status of the dynamic account notification subscription number of the user account is an unapproved status includes:
judging whether the identification information of the user account is preset identification information or not;
if the identification information is preset identification information, judging that the state of the dynamic account notification subscription number of the user account is a concerned state;
and if the identification information is not preset identification information, judging that the state of the dynamic account notification subscription number of the user account is an unapproved state.
Further, when the dynamic account notification program is executed by the processor, the following steps are also executed:
judging whether the user account is in a preset database or not;
if the user account is in a preset database, executing a step of judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state;
and if the user account is not in a preset database, notifying the user to be notified in the dynamic account notification request according to a preset dynamic account notification mode.
Further, when the dynamic account notification program is executed by the processor, the following steps are also executed:
acquiring dynamic account information in the dynamic account notification request, and judging whether the dynamic account information is abnormal or not;
and when the dynamic account information is abnormal, generating dynamic account abnormal information, and writing the dynamic account abnormal information into dynamic account notification information in the dynamic account notification request.
Further, the step of judging whether the dynamic account information is abnormal includes:
judging whether the transaction amount in the account moving information is larger than a preset amount or not;
if the transaction amount in the dynamic account information is larger than the preset amount, judging that the dynamic account information is abnormal;
and if the transaction amount in the dynamic account information is less than or equal to the preset amount, judging that the dynamic account information is normal.
Further, the step of judging whether the dynamic account information is abnormal further includes:
if the dynamic account transaction in the dynamic account information is larger than the preset amount, judging whether the dynamic account time in the dynamic account information is within a preset time period;
if the dynamic account time in the dynamic account information is within a preset time period, executing a step of judging that the dynamic account information is abnormal;
and if the dynamic account time in the dynamic account information is not within a preset time period, executing a step of judging that the dynamic account information is normal.
Further, when the dynamic account notification program is executed by the processor, the following steps are also executed:
receiving an account freezing request reported by the mobile terminal based on the dynamic account abnormal information;
acquiring freezing information in the account freezing request, and verifying the freezing information;
and when the freezing information passes the verification, freezing the bank card account in the account freezing request.
Further, when the dynamic account informing program is executed by the processor, the following steps are also executed
Receiving an account unfreezing request reported by a mobile terminal, and acquiring unfreezing information in the account unfreezing request;
and verifying the unfreezing information, and unfreezing the bank card account in the account unfreezing request when the unfreezing information passes the verification.
The specific embodiment of the computer-readable storage medium of the present invention is substantially the same as the specific embodiments of the dynamic account notification method described above, and details thereof are not described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (8)
1. An account change notification method is characterized by comprising the following steps:
when an external triggered dynamic account notification request is received, acquiring a user account in the dynamic account notification request;
judging whether the user account is in a preset database or not;
if the user account is in a preset database, judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state;
when the state of the dynamic account notification subscription number of the user account is an unapproved state, setting the state of the dynamic account notification subscription number of the user account to be an attended state, and sending dynamic account notification information in the dynamic account notification request to a mobile terminal which has logged in the user account so that the mobile terminal can display the dynamic account notification information according to a preset display rule;
if the user account is not in a preset database, notifying a user to be notified in the dynamic account notification request according to a preset dynamic account notification mode;
the step of judging whether the state of the dynamic account notification subscription number of the user account is an unapproved state comprises the following steps:
judging whether the identification information of the user account is preset identification information or not;
if the identification information is preset identification information, judging that the state of the dynamic account notification subscription number of the user account is a concerned state;
and if the identification information is not preset identification information, judging that the state of the dynamic account notification subscription number of the user account is an unapproved state.
2. The dynamic account notification method according to claim 1, wherein after the step of acquiring the user account in the dynamic account notification request when the externally triggered dynamic account notification request is received, the dynamic account notification method further comprises:
acquiring dynamic account information in the dynamic account notification request, and judging whether the dynamic account information is abnormal or not;
and when the dynamic account information is abnormal, generating dynamic account abnormal information, and writing the dynamic account abnormal information into dynamic account notification information in the dynamic account notification request.
3. The dynamic account notification method according to claim 2, wherein the step of determining whether the dynamic account information is abnormal includes:
judging whether the transaction amount in the account moving information is larger than a preset amount or not;
if the transaction amount in the dynamic account information is larger than the preset amount, judging that the dynamic account information is abnormal;
and if the transaction amount in the dynamic account information is less than or equal to the preset amount, judging that the dynamic account information is normal.
4. The dynamic account notification method of claim 3, wherein the step of judging whether the transaction amount in the dynamic account information is larger than a preset amount further comprises the following steps:
if the dynamic account transaction in the dynamic account information is larger than the preset amount, judging whether the dynamic account time in the dynamic account information is within a preset time period;
if the dynamic account time in the dynamic account information is within a preset time period, executing a step of judging that the dynamic account information is abnormal;
and if the dynamic account time in the dynamic account information is not within a preset time period, executing a step of judging that the dynamic account information is normal.
5. The dynamic account notification method according to claim 2, further comprising:
receiving an account freezing request reported by the mobile terminal based on the dynamic account abnormal information;
acquiring freezing information in the account freezing request, and verifying the freezing information;
and when the freezing information passes the verification, freezing the bank card account in the account freezing request.
6. The dynamic account notification method according to claim 5, further comprising:
receiving an account unfreezing request reported by a mobile terminal, and acquiring unfreezing information in the account unfreezing request;
and verifying the unfreezing information, and unfreezing the bank card account in the account unfreezing request when the unfreezing information passes the verification.
7. An action account notification apparatus characterized by comprising: a memory, a processor and an account change notification program stored on the memory and executable on the processor, the account change notification program when executed by the processor implementing the steps of the account change notification method according to any one of claims 1 to 6.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon an dynamic account notification program which, when executed by a processor, implements the steps of the dynamic account notification method according to any one of claims 1 to 6.
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| CN112463167B (en) * | 2020-11-11 | 2024-04-05 | 中国农业银行股份有限公司上海市分行 | Bank account dynamic account notification service system |
| CN115941636B (en) * | 2023-03-13 | 2023-07-18 | 网思科技股份有限公司 | Personalized notification method and device for preset amount |
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| CN104333605A (en) * | 2014-11-25 | 2015-02-04 | 北京奇虎科技有限公司 | Information sending method, browser device, server and system |
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| US10204358B2 (en) * | 2013-06-07 | 2019-02-12 | Zeta Global Corp. | Systems and methods for text message alerts and referrals |
| CN107481072A (en) * | 2017-08-08 | 2017-12-15 | 威海信帆进出口有限公司 | Portable network billing system and method |
| CN107590698A (en) * | 2017-09-19 | 2018-01-16 | 深圳市优户科技有限公司 | The management method and managing device of a kind of electronic coupons |
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| WO2008144772A1 (en) * | 2007-05-24 | 2008-11-27 | Arpu, Inc. | Subscription promotion and management system and method |
| CN104333605A (en) * | 2014-11-25 | 2015-02-04 | 北京奇虎科技有限公司 | Information sending method, browser device, server and system |
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