CN109325753A - It transfers accounts control method, device and system - Google Patents

It transfers accounts control method, device and system Download PDF

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Publication number
CN109325753A
CN109325753A CN201811055381.8A CN201811055381A CN109325753A CN 109325753 A CN109325753 A CN 109325753A CN 201811055381 A CN201811055381 A CN 201811055381A CN 109325753 A CN109325753 A CN 109325753A
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user
transferring accounts
health
accounts
amount
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马丽娇
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Bank of China Ltd
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Bank of China Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224Transactions dependent on location of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G16INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16HHEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H10/00ICT specially adapted for the handling or processing of patient-related medical or healthcare data
    • G16H10/60ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records
    • G16H10/65ICT specially adapted for the handling or processing of patient-related medical or healthcare data for patient-specific data, e.g. for electronic patient records stored on portable record carriers, e.g. on smartcards, RFID tags or CD
    • GPHYSICS
    • G16INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16HHEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H40/00ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices
    • G16H40/60ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices for the operation of medical equipment or devices
    • G16H40/67ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices for the operation of medical equipment or devices for remote operation
    • GPHYSICS
    • G16INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16HHEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H50/00ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
    • G16H50/30ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for calculating health indices; for individual health risk assessment

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Abstract

It transfers accounts control method, device and system the present invention provides one kind, this method comprises: reading the user health information that health and fitness information acquisition equipment uploads in real time according to the money transfer transactions request of transferring accounts of user;User health information is compared with preset health and fitness information threshold range;If user health information exceeds the health and fitness information threshold range, the amount of transferring accounts of user is turned down.By using the above method, the safety for remittance of transferring accounts can be monitored, reduces user cheated or the property loss under scenes such as coerced.

Description

It transfers accounts control method, device and system
Technical field
It transfers accounts control method, device and system the present invention relates to financial field more particularly to one kind.
Background technique
It as the mobile terminals such as mobile phone are more and more intelligent, transferred accounts with mobile phone and brings very big convenience to user, saved The trouble for having gone user that business hall is gone to be lined up transacting business, so transferring account with mobile phone mode application is more and more wider.Although but mobile phone Convenience is brought to user, but also inevitably will appear some problems, such as: existing Mobile banking transfers accounts can only be by close when remitting money Code, security tool guarantee the property safety of user, cheated or the scenes such as coerced and can not then play protection completely in user The effect of property safety causes the property loss of user.
Summary of the invention
In view of this, transfer accounts control method, device and system the present invention provides one kind, it is cheated or coerced to solve user Existing money transfer secure protected mode can not play the role of protecting property safety under the scenes such as urgent, cause the property loss of user Problem.
To solve the above problems, the present invention adopts the following technical scheme:
One kind is transferred accounts control method, comprising:
The user health information that health and fitness information acquisition equipment uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
User health information is compared with preset health and fitness information threshold range;
If user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
Further, the control method of transferring accounts further include:
Position the position of user;
Judge whether user is located within the scope of safety place according to the position of user;
If the position of user is located within the scope of safety place, restore the amount of transferring accounts of user.
Further, the control method of transferring accounts further include:
According to the current location of user, safety place range is pushed to user.
Further, amount of transferring accounts includes: to transfer accounts amount the same day and single is transferred accounts amount.
Further, safety place range include: 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region Domain.
Further, user health information includes: body temperature, heart rate.
Further, health and fitness information acquisition equipment uses portable wearable device.
Further, portable wearable device includes sports watch, motion bracelet, and portable wearable device is adopted in real time Collect user health information, and user terminal is uploaded to by bluetooth.
On the other hand, it transfers accounts control device the present invention also provides one kind, comprising:
Data read module reads what portable wearable device uploaded in real time according to the money transfer transactions request of transferring accounts of user User health information;
User health information is compared by data comparison module with preset health and fitness information threshold range;
Amount of transferring accounts adjustment module turns down transferring accounts for user if user health information exceeds health and fitness information threshold range Amount.
Further, the control device of transferring accounts further include:
Locating module positions the position of user;
User location determination module judges whether user is located within the scope of safety place according to the position of user;
Amount of transferring accounts recovery module restores the amount of transferring accounts of user if the position of user is located within the scope of safety place.
Further, the control device of transferring accounts further include:
Safety place pushing module pushes safety place range to the user according to the current location of user.
Further, amount of transferring accounts includes: to transfer accounts amount the same day and single is transferred accounts amount.
Further, safety place range include: 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region Domain.
Further, user health information includes: body temperature, heart rate.
Further, health and fitness information acquisition equipment uses portable wearable device.
Further, portable wearable device includes sports watch, motion bracelet, and portable wearable device is adopted in real time Collect user health information, and user terminal is uploaded to by bluetooth.
In another aspect, transferring accounts control system the present invention also provides one kind, comprising: portable wearable device and with it is portable The user terminal that formula wearable device is connected by Bluetooth communication;
Portable wearable device acquires user health information in real time, and is uploaded to user terminal by bluetooth;
User terminal includes above-mentioned control device of transferring accounts.
Another aspect, the present invention also provides a kind of computer equipments, including memory, processor and storage are on a memory And the computer program that can be run on a processor, processor perform the steps of when executing computer program
The user health information that portable wearable device uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
User health information is compared with preset health and fitness information threshold range;
If user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
In another aspect, being stored thereon with computer program the present invention also provides a kind of computer readable storage medium, calculate Machine program performs the steps of when being executed by processor
The user health information that portable wearable device uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
User health information is compared with preset health and fitness information threshold range;
If user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
Control method provided by the invention of transferring accounts, device and system, by the way of transferring accounts and remitting money security monitoring, in user Transfer accounts class transaction when, (such as by the user health information of portable wearable device (such as sports watch, Intelligent bracelet) acquisition Body temperature, heart rate etc.) as judgement transfer accounts money transfer transactions whether An Quan foundation, if acquisition user health information exceed user it is pre- The safe range first set then turns down the amount of transferring accounts of user, and reduces user cheated or coerced etc. under scenes with this Property loss.
In addition, system while turning down amount, opens real-time navigation capability, specified safely if user can be moved to Near point range, such as bank outlets, local police station's harbor, then user's amount of transferring accounts is restored, user can continue to transfer accounts.This Sample not only ensure that the property safety of user, but will not because of user's body special circumstances and influence the transaction of user normally into Row.
For above and other objects, features and advantages of the invention can be clearer and more comprehensible, preferred embodiment is cited below particularly, And cooperate institute's accompanying drawings, it is described in detail below.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with It obtains other drawings based on these drawings.
Fig. 1 is the application scenario diagram of the control method of transferring accounts of the embodiment of the present invention;
Fig. 2 is the flow chart one of the control method of transferring accounts of the embodiment of the present invention;
Fig. 3 is the flowchart 2 of the control method of transferring accounts of the embodiment of the present invention;
Fig. 4 is the flow chart 3 of the control method of transferring accounts of the embodiment of the present invention;
Fig. 5 is the structure chart one of the control device of transferring accounts of the embodiment of the present invention;
Fig. 6 is the structure chart two of the control device of transferring accounts of the embodiment of the present invention;
Fig. 7 is the structure chart three of the control device of transferring accounts of the embodiment of the present invention;
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other Embodiment shall fall within the protection scope of the present invention.
Existing Mobile banking transfers accounts remittance can only be by password, the property safety of security tool guarantee user, in user's quilt Deceiving or being coerced etc. can not then play the role of guaranteeing that user's property safety, the present invention are mentioned for the above scene under scenes completely Targetedly solution is gone out, to protect the property safety of user well.
By the study found that user is usually associated with the changing features of body, such as in the case where being cheated or being coerced It generates heat or palpitates quickly, the present invention provides one kind and transfer accounts control method, as shown in Figure 1, can pass through user using this rule Health and fitness information acquisition equipment (such as sports watch or motion bracelet 2) of wearing acquires user health information (such as heart rate, temperature in real time Degree, blood pressure etc.), and the user health information of acquisition is uploaded to by user terminal 1 by bluetooth.
User terminal 1 receive user move account class transaction request when, call health and fitness information acquisition equipment upload user Health and fitness information the case where being then cheated or coerced there may be user, is judged when finding user health Information abnormity with this The risk of the dynamic account class transaction of this is very high, after Mobile banking identifies the risk of transaction, can lower the volume of transferring accounts of user in real time Degree.
Wherein, lower user transfer accounts amount when, user terminal is transferred accounts the user after downward amount by communication link It is sent in the database of bank server 3, is stored by database.Alternatively, user terminal will be lowered by communication link The transfer accounts instruction of amount of user is sent to server 3, turns down the user stored in it by server 3 and transfers accounts amount value.
In addition, server 3 is adjusted after user will transfer accounts money transfer request and money transfer amount of transferring accounts is sent to bank server 3 Transferred accounts amount with the user stored in it, when transfer accounts money transfer amount less than or equal to user transfer accounts amount when, be normally carried out remittance of transferring accounts Money process, when transfer accounts money transfer amount greater than user transfer accounts amount when, refusal carries out process of remitting money of transferring accounts, and sends to user terminal Money transfer amount of transferring accounts is transferred accounts the prompt information of amount beyond user.
Also, user terminal 1 is while turning down amount, opens real-time navigation capability, if user can be moved to it is specified Safety place range (such as near bank outlets, local police station's harbor) then restores user's amount of transferring accounts, and user can continue It transfers accounts.Not only ensure that the property safety of user in this way, but will not because of user's body special circumstances and influence the transaction of user It is normally carried out.
Wherein, user terminal 1 may include smart phone, Flat electronic equipment, network machine top box, portable computer, Desktop computer, personal digital assistant (PDA), mobile unit, intelligent wearable device etc..
Health and fitness information, which acquires equipment, can use portable wearable device, such as intelligent glasses, smart motion wrist-watch, intelligence Energy motion bracelet etc..
It transfers accounts control method the embodiment of the invention provides one kind, as shown in Fig. 2, this is transferred accounts, control method includes:
Step S201: the user that health and fitness information acquisition equipment uploads in real time is read according to the money transfer transactions request of transferring accounts of user Health and fitness information.
It is worth noting that the user health information includes: body temperature, heart rate, blood pressure etc., wherein heart rate refers to normal person The number of heartbeat per minute, is also quiet heart rate under rest state.Blood pressure (blood pressure, BP) refers to blood in blood vessel The lateral pressure of unit area vascular wall is acted on when interior flowing.
For example, health and fitness information acquisition equipment can use portable wearable device, such as sports watch, movement Bracelet, intelligent glasses etc., the invention is not limited thereto.
Specifically, user terminal does not acquire the health and fitness information when the money transfer transactions of transferring accounts for not receiving user are requested The user health information that equipment uploads in real time is handled, and the user health information is only stored, only when user terminal receives After the money transfer transactions request of transferring accounts of user's input, it is strong that user terminal just reads the user that health and fitness information acquisition equipment uploads in real time Health information, for judging the risk of transaction.
In the present embodiment, health and fitness information acquisition equipment can upload user health information collected in real time, for user Terminal is called reading when needed.
In another embodiment, the user health information of acquisition can also be locally stored in depositing for health and fitness information acquisition equipment In reservoir, after the money transfer transactions of transferring accounts that user terminal receives user's input are requested, acquired by bluetooth to health and fitness information Equipment sends data uploading instructions, which acquires equipment after receiving the data uploading instructions, by what is acquired in real time User health information is uploaded to the user terminal by bluetooth, by using aforesaid way, can reduce health and fitness information acquisition Volume of transmitted data between equipment and the user terminal, and save the memory space of the user terminal.
In another embodiment, health and fitness information acquisition equipment can also be in standby in initial state, and the user is whole It holds after receiving the money transfer transactions request of transferring accounts of user's input, sends start command to health and fitness information acquisition equipment, it should Health and fitness information acquires equipment and acquires user health information in real time after receiving start command, and by collected user health Information is uploaded to the user terminal, by using aforesaid way, health and fitness information acquisition equipment can be made in no deal request It is in standby, minimizes the power consumption of health and fitness information acquisition equipment, extend the continuous of health and fitness information acquisition equipment ETS estimated time of sailing.
Step S202: user health information is compared with preset health and fitness information threshold range.
It is worth noting that the health status of each user is different, corresponding health and fitness information threshold range is not also identical. The heart rate of normal person is generally 60~100 beats/min, but can generate individual difference because of age, gender or other physiologic factors.One As for, the age is smaller, and heart rate is faster, and the elderly's heartbeat is slower than young man, and the heart rate of women is faster than male of the same age, sportsman's Heart rate is partially slow compared with average adult, and generally 50 beats/min or so.The body temperature of normal person is 36~37 DEG C, but because test position, The influence of the factors such as time, season and individual difference and generate individual difference, so, the preset health of this in the embodiment of the present invention Information threshold range can be by user according to itself the customized setting of physical condition, and can also be statisticallyd analyze by user terminal should Health and fitness information acquires equipment whole health and fitness informations collected, obtains the health and fitness information threshold range of the user.
Wherein, which is set, and can only reach locality in user can just change, such as Following safety place ranges.
Step S203: if user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
Specifically, which may include: to transfer accounts amount the same day and single is transferred accounts amount.
It is understood that turn down user transfer accounts amount when, the magnitude turned down can turning down according to user preset Scheme is adjusted, and can also be adjusted according to the preset scheme of turning down of bank, can also normally transfer accounts amount according to user It is adjusted according to certain percentage, the big of the part of health and fitness information threshold range can also be exceeded according to the user health information It is small, to control the magnitude turned down.
Step S204: if user health information is normally carried out transfer process without departing from health and fitness information threshold range.
It is understood that in user by health information without departing from health and fitness information threshold range, the normal feelings of the sign of body Under condition, transaction risk cannot be judged according to the health and fitness information of user, so being normally carried out transfer process without adjusting amount of transferring accounts ?.
It is worth noting that turn down user transfer accounts amount when, can by user terminal by communication link will be after downward User's amount of transferring accounts is sent in the database of bank server 3, is stored by database.Alternatively, user terminal is by leading to Letter link will lower the transfer accounts instruction of amount of user and be sent to server 3, turns down the user stored in it by server 3 and transfers accounts volume Angle value.
Health and fitness information is acquired equipment institute when user transfer accounts class transaction by control method provided in this embodiment of transferring accounts The user health information (such as body temperature, heart rate) of acquisition as judgement transfer accounts money transfer transactions whether An Quan foundation, if acquire User health information exceeds the preset safe range of user, then turns down the amount of transferring accounts of user, existed with this to reduce user It is cheated or the property loss under scenes such as coerced.
But above-described embodiment is when user's fever causes body temperature to increase or the complete heart rate of user movement rises, if user needs Transfer accounts the transaction of the dynamic account classes such as remittance when, can have the confined problem of arm's length dealing, be provided by following embodiments It transfers accounts control method, is further improved control method provided in an embodiment of the present invention of transferring accounts.
Fig. 3 is the flowchart 2 of the control method of transferring accounts of the embodiment of the present invention.As shown in figure 3, this is transferred accounts, control method exists On the basis of step shown in above-mentioned Fig. 2, can also include:
Step S301: the position of user is positioned.
Specifically, after turning down the amount of transferring accounts of user, the user is positioned using the GPS positioning module in user terminal Specific location.
Step S302: judge whether user is located within the scope of safety place according to the position of user.
Specifically, which can intuitively show the current location of user with invocation map software APP on map, And safety place range is shown on map.
Wherein, safety place includes the places such as bank outlets, local police station, which may include away from safely Point pre-determined distance position, such as 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region.
Step S303: if the position of user is located within the scope of safety place, restore the amount of transferring accounts of user.
It is understood that when the position of user is located within the scope of safety place, it can be determined that user is it has been found that turn Account amount turned down, trades that there are risks.
The present embodiment positions the position of user, when user reaches safety by transferring accounts after amount turning down user in real time When in ground point range, restore the amount of transferring accounts of user, can be on the basis of guaranteeing the property safety of user, it will not be because of user The special circumstances of body and the transaction for influencing user is normally carried out.
Fig. 4 is the flow chart 3 of the control method of transferring accounts of the embodiment of the present invention.As shown in figure 4, this is transferred accounts, control method exists On the basis of step shown in above-mentioned Fig. 3, can also include:
Step S401: according to the current location of user, safety place range is pushed to user.
It is worth noting that this method to the sequencing of each step with no restriction.Diagram is only that one kind of this method is shown Example, should not be construed as the limitation of the sequencing to each step.
Wherein, user terminal can intuitively show the current location of user with invocation map software APP on map, and Safety place is shown on map, and the ground point range away from safety place preset distance is pushed to user, is allowed to according to finger Draw, find safety place range, restore amount of transferring accounts conducive to user, further avoids special circumstances and shadow because of user's body The transaction for ringing user is normally carried out.
Based on the same inventive concept, it transfers accounts control device, can be used to implement the embodiment of the present application also provides one kind Method described in embodiment is stated, as described in the following examples.The principle solved the problems, such as due to control device of transferring accounts with it is above-mentioned Method is similar, therefore the implementation for control device of transferring accounts may refer to the implementation of the above method, and overlaps will not be repeated.Following institute It uses, the combination of the software and/or hardware of predetermined function may be implemented in term " unit " or " module ".Although implementing below Device described in example is preferably realized with software, but the combined realization of hardware or software and hardware is also possible And be contemplated.
Fig. 5 is the structure chart one of the control device of transferring accounts of the embodiment of the present invention.The control device 500 as shown in figure 5, this is transferred accounts It include: data read module 501, data comparison module 502 and amount adjustment module 503 of transferring accounts.
Wherein, data read module 501 reads portable wearable device reality according to the money transfer transactions request of transferring accounts of user The user health information of Shi Shangchuan.
It is worth noting that the user health information includes: body temperature, heart rate, blood pressure etc., wherein heart rate refers to normal person The number of heartbeat per minute, is also quiet heart rate, blood pressure (blood pressure, BP) refers to blood in blood vessel under rest state The lateral pressure of unit area vascular wall is acted on when interior flowing.
For example, health and fitness information acquisition equipment can use portable wearable device, such as sports watch, movement Bracelet, intelligent glasses etc..
Specifically, user terminal does not acquire the health and fitness information when the money transfer transactions of transferring accounts for not receiving user are requested The user health information that equipment uploads in real time is handled, and the user health information is only stored, only when user terminal receives After the money transfer transactions request of transferring accounts of user's input, it is strong that user terminal just reads the user that health and fitness information acquisition equipment uploads in real time Health information, for judging the risk of transaction.
In the embodiment of the present invention, health and fitness information acquisition equipment can upload user health information collected in real time, supply User terminal is called reading when needed.
In another embodiment, the user health information of acquisition can also be locally stored in depositing for health and fitness information acquisition equipment In reservoir, after the money transfer transactions of transferring accounts that user terminal receives user's input are requested, acquired by bluetooth to health and fitness information Equipment sends data uploading instructions, which acquires equipment after receiving the data uploading instructions, by what is acquired in real time User health information is uploaded to the user terminal by bluetooth, by using aforesaid way, can reduce health and fitness information acquisition Volume of transmitted data between equipment and the user terminal, and save the memory space of the user terminal.
In another embodiment, health and fitness information acquisition equipment can also be in standby in initial state, and the user is whole It holds after receiving the money transfer transactions request of transferring accounts of user's input, sends start command to health and fitness information acquisition equipment, it should Health and fitness information acquires equipment and acquires user health information in real time after receiving start command, and by collected user health Information is uploaded to the user terminal, by using aforesaid way, health and fitness information acquisition equipment can be made in no deal request It is in standby, minimizes the power consumption of health and fitness information acquisition equipment, extend the continuous of health and fitness information acquisition equipment ETS estimated time of sailing.
User health information is compared by data comparison module 502 with preset health and fitness information threshold range.
It is worth noting that the health status of each user is different, corresponding health and fitness information threshold range is not also identical. The heart rate of normal person is generally 60~100 beats/min, but can generate individual difference because of age, gender or other physiologic factors.One As for, the age is smaller, and heart rate is faster, and the elderly's heartbeat is slower than young man, and the heart rate of women is faster than male of the same age, sportsman's Heart rate is partially slow compared with average adult, and generally 50 beats/min or so.The body temperature of normal person is 36~37 DEG C, but because test position, The influence of the factors such as time, season and individual difference and generate individual difference, so, the preset health of this in the embodiment of the present invention Information threshold range can be by user according to itself the customized setting of physical condition, and can also be statisticallyd analyze by user terminal should Health and fitness information acquires equipment whole health and fitness informations collected, obtains the health and fitness information threshold range of the user.
Wherein, which is set, and can only reach locality in user can just change, such as Following safety place ranges.
Amount of transferring accounts adjustment module 503 turns down transferring accounts for user when user health information exceeds health and fitness information threshold range Amount.
Specifically, which may include: to transfer accounts amount the same day and single is transferred accounts amount.
It is understood that turn down user transfer accounts amount when, the magnitude turned down can turning down according to user preset Scheme is adjusted, and can also be adjusted according to the preset scheme of turning down of bank, can also normally transfer accounts amount according to user It is adjusted according to certain percentage, the big of the part of health and fitness information threshold range can also be exceeded according to the user health information It is small, to control the magnitude turned down.
It will be appreciated to those of skill in the art that in user by health information without departing from health and fitness information threshold range, body The normal situation of sign under, transaction risk cannot be judged according to the health and fitness information of user, so transferring accounts amount without adjustment, just Often carry out transfer process.
It is worth noting that turn down user transfer accounts amount when, can by user terminal by communication link will be after downward User's amount of transferring accounts is sent in the database of bank server 3, is stored by database.Alternatively, user terminal is by leading to Letter link will lower the transfer accounts instruction of amount of user and be sent to server 3, turns down the user stored in it by server 3 and transfers accounts volume Angle value.
Health and fitness information is acquired equipment institute when user transfer accounts class transaction by control device provided in this embodiment of transferring accounts The user health information (such as body temperature, heart rate) of acquisition as judgement transfer accounts money transfer transactions whether An Quan foundation, if acquire User health information exceeds the preset safe range of user, then turns down the amount of transferring accounts of user, existed with this to reduce user It is cheated or the property loss under scenes such as coerced.
But above-described embodiment is when user's fever causes body temperature to increase or the complete heart rate of user movement rises, if user needs Transfer accounts the transaction of the dynamic account classes such as remittance when, can have the confined problem of arm's length dealing, be provided by following embodiments It transfers accounts control device, is further improved control device provided in an embodiment of the present invention of transferring accounts.
Fig. 6 is the structure chart two of the control device of transferring accounts of the embodiment of the present invention.As shown in fig. 6, this is transferred accounts, control device exists It can also include: locating module 601, user location determination module 602, volume of transferring accounts on the basis of structure shown in above-mentioned Fig. 5 Spend recovery module 603.
Wherein, locating module 601 is used to position the position of user.
Specifically, after turning down the amount of transferring accounts of user, the user is positioned using the GPS positioning module in user terminal Specific location.
User location determination module 602 judges whether user is located within the scope of safety place according to the position of user.
Specifically, which can intuitively show the current location of user with invocation map software APP on map, And safety place range is shown on map.
Wherein, safety place includes the places such as bank outlets, local police station, which may include away from safely Point pre-determined distance position, such as 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region.
Amount of transferring accounts recovery module 603 restores the volume of transferring accounts of user when the position of user is located within the scope of safety place Degree.
It is understood that when the position of user is located within the scope of safety place, it can be determined that user is it has been found that turn Account amount turned down, trades that there are risks.
The present embodiment positions the position of user, when user reaches safety by transferring accounts after amount turning down user in real time When in ground point range, restore the amount of transferring accounts of user, can be on the basis of guaranteeing the property safety of user, it will not be because of user The special circumstances of body and the transaction for influencing user is normally carried out.
Fig. 7 is the structure chart three of the control device of transferring accounts of the embodiment of the present invention.As shown in fig. 7, this is transferred accounts, control device exists It can also include: safety place pushing module 701 on the basis of structure shown in above-mentioned Fig. 6.
Wherein, which pushes safety place range to the user according to the current location of user.
Wherein, user terminal can intuitively show the current location of user with invocation map software APP on map, and Safety place is shown on map, and the ground point range away from safety place preset distance is pushed to user, is allowed to according to finger Draw, find safety place range, restore amount of transferring accounts conducive to user, further avoids special circumstances and shadow because of user's body The transaction for ringing user is normally carried out.
Control device provided by the above embodiment of transferring accounts is turned by the way of transferring accounts and remitting money security monitoring in user Account class trade when, by portable wearable device (such as sports watch, Intelligent bracelet) acquisition user health information (such as body temperature, Heart rate etc.) as judgement transfer accounts money transfer transactions whether An Quan foundation, if acquisition user health information exceed user set in advance Fixed safe range then turns down the amount of transferring accounts of user, and reduces user cheated or the wealth under scenes such as coerced with this Produce loss.
In addition, system while turning down amount, opens real-time navigation capability, specified safely if user can be moved to Near point range, such as bank outlets, local police station's harbor, then user's amount of transferring accounts is restored, user can continue to transfer accounts.This Sample not only ensure that the property safety of user, but will not because of user's body special circumstances and influence the transaction of user normally into Row.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory And the computer program that can be run on a processor, realize that following steps (are referred to figure when processor executes computer program 2):
The user health information that health and fitness information acquisition equipment uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
User health information is compared with preset health and fitness information threshold range;
If user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored thereon with computer program, computer It is performed the steps of when program is executed by processor
The user health information that health and fitness information acquisition equipment uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
User health information is compared with preset health and fitness information threshold range;
If user health information exceeds health and fitness information threshold range, the amount of transferring accounts of user is turned down.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for hardware+ For program class embodiment, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to side The part of method embodiment illustrates.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can With or may be advantageous.
Although this specification embodiment provides the method operating procedure as described in embodiment or flow chart, based on conventional It may include either more or less operating procedure without creative means.The step of being enumerated in embodiment sequence be only One of numerous step execution sequence mode does not represent and unique executes sequence.Device or end product in practice is held When row, can be executed according to embodiment or method shown in the drawings sequence or it is parallel execute (such as parallel processor or The environment of multiple threads, even distributed data processing environment).The terms "include", "comprise" or its any other change Body is intended to non-exclusive inclusion, so that process, method, product or equipment including a series of elements are not only wrapped Those elements are included, but also including other elements that are not explicitly listed, or further includes for this process, method, product Or the element that equipment is intrinsic.In the absence of more restrictions, being not precluded is including process, the side of the element There is also other identical or equivalent elements in method, product or equipment.
For convenience of description, it is divided into various modules when description apparatus above with function to describe respectively.Certainly, implementing this The function of each module can be realized in the same or multiple software and or hardware when specification embodiment, it can also be by reality Show the module of same function by the combination realization etc. of multiple submodule or subelement.Installation practice described above is only Schematically, for example, the division of the unit, only a kind of logical function partition, can there is other draw in actual implementation The mode of dividing, such as multiple units or components can be combined or can be integrated into another system, or some features can be ignored, Or it does not execute.Another point, shown or discussed mutual coupling, direct-coupling or communication connection can be by one The indirect coupling or communication connection of a little interfaces, device or unit can be electrical property, mechanical or other forms.
It is also known in the art that other than realizing controller in a manner of pure computer readable program code, it is complete Entirely can by by method and step carry out programming in logic come so that controller with logic gate, switch, specific integrated circuit, programmable Logic controller realizes identical function with the form for being embedded in microcontroller etc..Therefore this controller is considered one kind Hardware component, and the structure that the device for realizing various functions that its inside includes can also be considered as in hardware component.Or Person even, can will be considered as realizing the device of various functions either the software module of implementation method can be hardware again Structure in component.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program Product.Therefore, in terms of this specification embodiment can be used complete hardware embodiment, complete software embodiment or combine software and hardware Embodiment form.Moreover, it wherein includes computer available programs that this specification embodiment, which can be used in one or more, Implement in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of code The form of computer program product.
The foregoing is merely the embodiments of this specification embodiment, are not limited to this specification embodiment.It is right For those skilled in the art, this specification embodiment can have various modifications and variations.It is all in this specification embodiment Any modification, equivalent replacement, improvement and so within spirit and principle, the right that should be included in this specification embodiment are wanted Within the scope of asking.

Claims (19)

  1. The control method 1. one kind is transferred accounts characterized by comprising
    The user health information that health and fitness information acquisition equipment uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
    The user health information is compared with preset health and fitness information threshold range;
    If the user health information exceeds the health and fitness information threshold range, the amount of transferring accounts of the user is turned down.
  2. 2. control method of transferring accounts according to claim 1, which is characterized in that further include:
    Position the position of the user;
    Judge whether the user is located within the scope of safety place according to the position of the user;
    If the position of the user is located within the scope of safety place, restore the amount of transferring accounts of the user.
  3. 3. control method of transferring accounts according to claim 2, which is characterized in that further include:
    According to the current location of the user, safety place range is pushed to the user.
  4. 4. control method of transferring accounts according to claim 1, which is characterized in that the amount of transferring accounts includes: amount of transferring accounts on the same day It transfers accounts amount with single.
  5. 5. control method of transferring accounts according to any one of claim 2 to 3, which is characterized in that the safety place range includes: 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region.
  6. 6. control method of transferring accounts according to claim 1, which is characterized in that the user health information includes: body temperature, the heart Rate.
  7. 7. control method of transferring accounts according to claim 1, which is characterized in that the health and fitness information acquisition equipment is using portable Wearable device.
  8. 8. control method of transferring accounts according to claim 7, which is characterized in that the portable wearable device includes movement hand Table, motion bracelet, the portable wearable device acquires user health information in real time, and is uploaded to user's end by bluetooth End.
  9. The control device 9. one kind is transferred accounts characterized by comprising
    Data read module reads the user that portable wearable device uploads in real time according to the money transfer transactions request of transferring accounts of user Health and fitness information;
    The user health information is compared by data comparison module with preset health and fitness information threshold range;
    Amount of transferring accounts adjustment module turns down the use if the user health information exceeds the health and fitness information threshold range The amount of transferring accounts at family.
  10. 10. control device of transferring accounts according to claim 9, which is characterized in that further include:
    Locating module positions the position of the user;
    User location determination module judges whether the user is located within the scope of safety place according to the position of the user;
    Amount of transferring accounts recovery module restores transferring accounts for the user if the position of the user is located within the scope of safety place Amount.
  11. 11. control device of transferring accounts according to claim 10, which is characterized in that further include:
    Safety place pushing module pushes safety place range to the user according to the current location of the user.
  12. 12. control device of transferring accounts according to claim 9, which is characterized in that the amount of transferring accounts includes: amount of transferring accounts on the same day It transfers accounts amount with single.
  13. 13. control device of transferring accounts described in 0 to 11 any one according to claim 1, which is characterized in that the safety place range packet Include: 100 meters away from bank outlets with inner region, 100 meters away from local police station with inner region.
  14. 14. control device of transferring accounts according to claim 9, which is characterized in that the user health information includes: body temperature, the heart Rate.
  15. 15. control device of transferring accounts according to claim 9, which is characterized in that the health and fitness information acquisition equipment is using portable Formula wearable device.
  16. 16. control device of transferring accounts according to claim 15, which is characterized in that the portable wearable device includes movement Wrist-watch, motion bracelet, the portable wearable device acquires user health information in real time, and is uploaded to user's end by bluetooth End.
  17. The control system 17. one kind is transferred accounts characterized by comprising portable wearable device and portable worn with described Wear the user terminal that equipment is connected by Bluetooth communication;
    The portable wearable device acquires user health information in real time, and is uploaded to user terminal by bluetooth;
    The user terminal includes control device of transferring accounts as described in any one of claim 9 to 16.
  18. 18. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor Calculation machine program, which is characterized in that the processor performs the steps of when executing the computer program
    The user health information that portable wearable device uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
    The user health information is compared with preset health and fitness information threshold range;
    If the user health information exceeds the health and fitness information threshold range, the amount of transferring accounts of the user is turned down.
  19. 19. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program It is performed the steps of when being executed by processor
    The user health information that portable wearable device uploads in real time is read according to the money transfer transactions request of transferring accounts of user;
    The user health information is compared with preset health and fitness information threshold range;
    If the user health information exceeds the health and fitness information threshold range, the amount of transferring accounts of the user is turned down.
CN201811055381.8A 2018-09-11 2018-09-11 It transfers accounts control method, device and system Pending CN109325753A (en)

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Application publication date: 20190212