CN110443597B - Reminding method and device for balance transfer of IC card - Google Patents

Reminding method and device for balance transfer of IC card Download PDF

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CN110443597B
CN110443597B CN201910713119.6A CN201910713119A CN110443597B CN 110443597 B CN110443597 B CN 110443597B CN 201910713119 A CN201910713119 A CN 201910713119A CN 110443597 B CN110443597 B CN 110443597B
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card
certain
balance transfer
account
preset
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CN110443597A (en
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谢振东
程世勇
严铭达
顾裕波
邓志
张学勤
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Guangzhou Yang Cheng Tong Co ltd
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Guangzhou Yang Cheng Tong Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D30/00—Reducing energy consumption in communication networks
    • Y02D30/70—Reducing energy consumption in communication networks in wireless communication networks

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Abstract

The invention discloses a reminding method and a reminding device for balance transfer of an IC card, wherein the method comprises the steps that a background service platform detects the use record of a certain IC card; the background service platform judges whether the current condition of a certain IC card meets the preset balance transfer condition according to the use record of the certain IC card; when judging that the current condition of a certain IC card meets the preset balance transfer condition, the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, wherein the target account is an account bound with the certain IC card. Therefore, the invention can carry out balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, is beneficial to improving the viscosity of the user taking public transportation in a mobile phone payment mode, and reduces the possibility that the user has to go to ticket selling equipment to purchase ticket taking vehicles because the user does not carry the IC card.

Description

Reminding method and device for balance transfer of IC card
Technical Field
The invention relates to the technical field of Internet, in particular to a reminding method and device for balance transfer of an IC card.
Background
In recent years, in order to respond to calls for green travel, which are advocated by the nation, and protect the ecological environment, more and more users choose to travel by taking public transportation means (such as subways, buses and the like). To facilitate the user riding public transportation, public transportation operators provide users with a variety of modes of payment for rides, such as: an IC card (e.g., traffic card) payment method, a two-dimensional code payment method, and a ticket purchasing payment method. And based on the advantages of no change preparation, no queuing for ticket purchase and no network, the IC card payment mode is selected to take the most of users in public transportation.
However, it is found in practice that when public transportation is not required, many users are not familiar with carrying the IC card, but want to not carry the IC card when the public transportation is required, at this time, the users can take the public transportation by returning to home to take the IC card or going to ticket vending equipment to purchase ticket, and the users are found to basically carry the mobile phone with them. Therefore, there is a need for a solution that is advantageous for increasing the viscosity of users riding public transportation through a mobile payment method.
Disclosure of Invention
The technical problem to be solved by the embodiment of the invention is to provide a reminding method and a device for the balance transfer of an IC card, which can carry out the balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, and is beneficial to improving the viscosity of users taking public transportation through a mobile phone payment mode.
In order to solve the technical problem, a first aspect of the embodiment of the invention discloses a reminding method for transferring the balance of an IC card, the method is applied to a background service platform, and the method comprises the following steps:
the background service platform detects the use record of a certain IC card;
the background service platform judges whether the current condition of a certain IC card meets the preset balance transfer condition according to the use record of the certain IC card;
when judging that the current condition of a certain IC card meets the preset balance transfer condition, the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, wherein the target account is an account bound with the certain IC card.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, after determining that the current condition of the certain IC card meets the preset balance transfer condition, and before the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account, so as to remind a target user corresponding to the target account to perform a balance transfer operation on the certain IC card, the method further includes:
The background service platform detects whether a first account exists in a certain IC card or not, wherein the first account is an account bound with the certain IC card;
when detecting that the first account exists in the certain IC card, the background service platform determines the first account as a target account and triggers and executes the step of sending a balance transfer reminding message to a user terminal corresponding to the target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card;
when the fact that the first account does not exist in the certain IC card is detected, the background service platform sends an account opening prompt to a user terminal corresponding to the certain IC card, and the account opening prompt is used for prompting a user corresponding to the user terminal to open an account aiming at the certain IC card;
when detecting that the user corresponding to the user terminal opens a second account for the certain IC card, the background service platform determines the second account as a target account and triggers and executes the step of sending a balance transfer reminding message to the user terminal corresponding to the target account so as to remind the target user corresponding to the target account to execute balance transfer operation on the certain IC card.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, before the background service platform detects a usage record of a certain IC card, the method further includes:
the background service platform determines a current date and judges whether the current date is a preset reminding date, wherein the preset reminding date is a date for reminding a user corresponding to the IC card to execute transfer operation on the balance of the IC card;
and when the current date is judged to be the preset reminding date, the background service platform triggers and executes the operation of detecting the use record of a certain IC card.
As an optional implementation manner, in the first aspect of the embodiment of the present invention, after the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account to remind a target user corresponding to the target account to perform a balance transfer operation on the certain IC card, the method further includes:
the background service platform detects whether feedback of the target user for the balance transfer reminding message is received or not;
when detecting that the feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to execute the balance transfer operation on a certain IC card, the background service platform sends a virtual payment card to the target account, and executes recharging operation on the virtual payment card based on the balance of the certain IC card.
In an optional implementation manner, in a first aspect of the embodiment of the present invention, the background service platform determines, according to a usage record of the certain IC card, whether a current condition of the certain IC card meets a preset balance transfer condition, including:
the background service platform judges whether the total number of times of using the certain IC card in a preset time period reaches a preset total number threshold value according to the use record of the certain IC card;
when judging that the total number of times of using the certain IC card in the preset time period reaches the preset total number threshold, the background service platform determines that the current condition of the certain IC card meets the preset balance transfer condition.
The second aspect of the embodiment of the invention discloses a reminding device for the balance transfer of an IC card, which is applied to a background service platform and comprises a detection module, a judgment module and a sending module, wherein:
the detection module is used for detecting the use record of a certain IC card;
the judging module is used for judging whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card detected by the detecting module;
The sending module is configured to send a balance transfer reminding message to a user terminal corresponding to a target account when the judging module judges that the current condition of the certain IC card meets the preset balance transfer condition, so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, where the target account is an account bound with the certain IC card.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, the apparatus further includes a first determining module, where:
the detecting module is further configured to detect whether a first account exists in the certain IC card or not after the judging module judges that the current condition of the certain IC card meets the preset balance transfer condition, and before the sending module sends a balance transfer reminding message to a user terminal corresponding to a target account to remind a target user corresponding to the target account to perform balance transfer operation on the certain IC card, where the first account is an account bound with the certain IC card;
the first determining module is configured to determine that the first account is a target account when the detecting module detects that the first account exists in the certain IC card, and trigger the sending module to execute the step of sending a balance transfer reminding message to a user terminal corresponding to the target account, so as to remind a target user corresponding to the target account to execute balance transfer operation on the certain IC card;
The sending module is further configured to send an account opening reminder to a user terminal corresponding to the certain IC card when the detecting module detects that the first account does not exist in the certain IC card, where the account opening reminder is used to prompt a user corresponding to the user terminal to open an account for the certain IC card;
the first determining module is further configured to determine that the second account is a target account when the detecting module detects that the user corresponding to the user terminal has opened the second account for the certain IC card, and trigger the sending module to execute the step of sending a balance transfer reminding message to the user terminal corresponding to the target account, so as to remind the target user corresponding to the target account to execute a balance transfer operation on the certain IC card.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, the apparatus further includes a second determining module, where:
the second determining module is used for determining the current date before the detecting module detects the use record of a certain IC card;
the judging module is further used for judging whether the current date is a preset reminding date or not, wherein the preset reminding date is a date for reminding a user corresponding to the IC card to execute transfer operation on the balance of the IC card;
The detection module is further used for detecting a use record of a certain IC card when the judgment module judges that the current date is the preset reminding date.
As an optional implementation manner, in the second aspect of the embodiment of the present invention, the apparatus further includes an execution module, where:
the detection module is further configured to detect whether a feedback of the target user for the balance transfer reminding message is received after the sending module sends the balance transfer reminding message to the user terminal corresponding to the target account so as to remind the target user corresponding to the target account to perform the balance transfer operation on the certain IC card;
the sending module is further configured to send a virtual payment card to the target account when the detecting module detects that feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to perform the balance transfer operation on the certain IC card;
and the execution module is used for executing recharging operation on the virtual payment card based on the balance of the certain IC card.
In a second aspect of the embodiment of the present invention, the determining module determines, according to the usage record of the certain IC card, whether the current condition of the certain IC card meets a preset balance transfer condition specifically includes:
Judging whether the total number of times of using the certain IC card in a preset time period reaches a preset total number threshold value or not according to the use record of the certain IC card;
when the total using times of the certain IC card in the preset time period reach the preset total times threshold value, determining that the current condition of the certain IC card meets the preset balance transfer condition.
The third aspect of the embodiment of the invention discloses another reminding device for the balance transfer of an IC card, which comprises:
a memory storing executable program code;
a processor coupled to the memory;
the processor calls the executable program codes stored in the memory to execute the operation of the reminding method for the balance transfer of the IC card disclosed in the first aspect of the embodiment of the invention.
The fourth aspect of the embodiment of the invention discloses a computer storage medium, which stores computer instructions, and when the computer instructions are called, the computer instructions are used for executing the operation of the reminding method for the balance transfer of the IC card disclosed in the first aspect of the embodiment of the invention.
A fifth aspect of the embodiments of the present invention discloses a computer program product, which when run on a computer, causes the computer to perform the operations of the reminding method for the balance transfer of an IC card disclosed in the first aspect of the embodiments of the present invention.
Compared with the prior art, the invention has the following beneficial effects:
the embodiment of the invention discloses a reminding method for balance transfer of an IC card, which is applied to a background service platform, wherein the method comprises the steps that the background service platform detects the use record of a certain IC card; the background service platform judges whether the current condition of a certain IC card meets the preset balance transfer condition according to the use record of the certain IC card; when judging that the current condition of a certain IC card meets the preset balance transfer condition, the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, wherein the target account is an account bound with the certain IC card. Therefore, the invention can carry out balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, is beneficial to improving the viscosity of the user taking public transportation in a mobile phone payment mode, and reduces the possibility that the user has to go to ticket selling equipment to purchase ticket taking vehicles because the user does not carry the IC card.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic flow chart of a reminding method for IC card balance transfer according to an embodiment of the invention;
FIG. 2 is a flow chart of another reminding method for IC card balance transfer according to an embodiment of the invention;
FIG. 3 is a schematic structural diagram of a reminding device for balance transfer of an IC card according to an embodiment of the invention;
FIG. 4 is a schematic structural diagram of another reminding device for balance transfer of an IC card according to an embodiment of the invention;
fig. 5 is a schematic structural diagram of another reminding device for balance transfer of an IC card according to an embodiment of the present invention.
Detailed Description
For a better understanding and implementation, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or modules is not necessarily limited to those steps or modules that are expressly listed or inherent to such process, method, article, or apparatus. Furthermore, the terms "first," "second," and the like in the description and in the claims, are used for distinguishing between different objects, and the specific meaning of the terms in the present invention will be understood by those skilled in the art according to the specific circumstances.
The embodiment of the invention discloses a reminding method and a reminding device for balance transfer of an IC card, which can carry out balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, and is beneficial to improving the viscosity of a user taking public transportation in a mobile phone payment mode, thereby reducing the possibility that the user has to go to ticket selling equipment to purchase ticket taking and can take transportation means because the user does not carry the IC card. The following will describe in detail.
Example 1
Referring to fig. 1, fig. 1 is a flow chart of a reminding method for transferring an IC card balance according to an embodiment of the invention. The method described in fig. 1 can be applied to a background service platform for managing public transportation. As shown in fig. 1, the reminding method for the balance transfer of the IC card may include the following steps:
101. the background service platform detects a usage record of a certain IC card.
In the embodiment of the present invention, the certain IC card may be any IC card for riding or using a vehicle, for example: traffic cards. The transportation means may include at least one of subway, bus, shared bicycle (e.g. Harrow bicycle), light rail, and automobile, and the embodiment of the invention is not limited.
In the embodiment of the invention, the usage record at least comprises the total number of usage times in a preset time period (for example, in a natural month, etc.). Further, the method further includes at least one of a total amount of use in the preset time period and a total number of abnormal use in the preset time period, which is not limited in the embodiment of the present invention. The abnormal use includes at least one of only the entry record without the exit record and only the exit record without the entry record, which is not limited by the embodiment of the present invention.
As an alternative embodiment, before performing step 101, the method for reminding the balance transfer of the IC card may further include the steps of:
the background service platform determines the current date and judges whether the current date is a preset reminding date, wherein the preset reminding date is a date for reminding a user corresponding to the IC card to execute transfer operation on the balance of the IC card;
when the current date is judged to be the preset reminding date, the background service platform triggers and executes the operation of detecting the use record of a certain IC card.
In this alternative embodiment, the preset reminding date may be the last days of each month and month (for example, 1 day), or the last days of each quarter, which is not limited in the embodiment of the present invention.
Therefore, in this optional embodiment, before detecting the usage record of the IC card, the current date is determined first, and whether the current date is the preset reminding date is determined, and when the result of the determination is yes, the subsequent operation is performed, so that the usage record of the IC card can be detected regularly, which is beneficial to management of the usage record of the IC card, reducing the power consumption of the background service platform, and improving the service life of the background service platform.
As another alternative embodiment, the reminding method for the balance transfer of the IC card may further include the steps of:
when the current date is judged not to be the preset reminding date, the background service platform detects whether a detection request triggered by a manager is received or not, wherein the detection request is used for requesting to detect the use record of the IC card;
when detecting that the detection request triggered by the manager is received, the background service platform triggers and executes the operation of detecting the use record of a certain IC card.
Therefore, in this optional embodiment, when it is determined that the current date is not the preset reminding date, by detecting whether a detection request triggered by a manager is received, and executing subsequent operations when detecting that the detection request is received, the detection flexibility of the usage record of the IC card and the functions of the background service platform can be improved.
102. And the background service platform judges whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card. When step 102 judges that the current condition of a certain IC card meets the preset balance transfer condition, step 103 can be triggered to be executed; when step 102 determines that the current condition of a certain IC card does not meet the preset balance transfer condition, the process may be ended.
In this embodiment of the present invention, as an optional implementation manner, the background service platform may determine, according to a usage record of a certain IC card, whether a current condition of the certain IC card meets a preset balance transfer condition, including:
the background service platform judges whether the total number of times of using a certain IC card in a preset time period (such as a natural month) reaches a preset total number threshold (such as 20 times) according to the use record of the certain IC card;
when judging that the total number of times of using the certain IC card in the preset time period reaches the preset total number threshold, the background service platform determines that the current condition of the certain IC card meets the preset balance transfer condition.
In this optional implementation manner, after determining that the total number of times of use of the certain IC card in the preset time period reaches the preset total number of times threshold, and before determining that the current condition of the certain IC card meets the preset balance transfer condition, the background service platform further determines whether the total number of times of abnormal use of the certain IC card in the preset time period is greater than or equal to the preset total number of times of abnormal use (for example, 3 times, etc.), and when the result of the determination is no, determines that the current condition of the certain IC card meets the preset balance transfer condition; and when the judgment result is yes, directly ending the flow.
As can be seen, in this alternative embodiment, when it is determined that the total number of times the IC card is used in the preset time period reaches the preset total number of times threshold, it is further determined whether the number of times of abnormal use of the IC card in the preset time period is greater than or equal to the preset total number of times of abnormal use, and when the result of the determination is no, it is determined that the current condition of the IC card meets the preset balance transfer condition, so that the accuracy and reliability of the determination of the current condition of the IC card can be improved.
As yet another alternative embodiment, after the completion of step 102 and before the execution of step 103, the method for reminding the balance transfer of the IC card may further include the steps of:
the background service platform judges whether balance transfer operation is executed on a certain IC card;
when it is determined that the balance transfer operation has not been performed on the certain IC card, the background service platform triggers the execution of step 103.
In this optional embodiment, as an optional implementation manner, the background service platform determines whether the balance transfer operation has been performed on the above-mentioned certain IC card, and may include:
the background service platform judges whether a virtual payment card matched with a certain IC card exists, and when judging that the virtual payment card matched with the certain IC card exists, the background service platform determines that balance transfer operation is executed on the certain IC card.
In this alternative embodiment, further, when it is determined that the balance transfer operation has been performed on the above-mentioned certain IC card, the background service platform directly ends the current flow.
In this alternative embodiment, after determining that there is a virtual payment card that matches a certain IC card and before determining that a balance transfer operation has been performed on a certain IC card, the background service platform further determines whether there is a corresponding amount in the virtual payment card, and when determining that there is a corresponding amount in the virtual payment card, determines that a balance transfer operation has been performed on a certain IC card. Thus, the accuracy of determining whether the IC card has a corresponding virtual payment card can be further improved.
It can be seen that, in this optional embodiment, after it is determined that the current condition of the IC card meets the preset balance transfer condition, it is further determined whether a virtual payment card matched with the IC card exists, and when it is determined that no virtual payment card matched with the IC card exists, a subsequent operation of sending a balance transfer reminding message is performed, so that occurrence of a failure of balance transfer of the IC card due to the fact that the balance transfer operation has already occurred on the IC card can be reduced, accuracy and reliability of balance transfer of the IC card are improved, and popularization of riding public transportation in a mobile phone payment manner is facilitated.
103. The background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the IC card, wherein the target account is an account bound with the IC card.
As yet another alternative embodiment, after the completion of step 103, the reminding method for the balance transfer of the IC card may further include the steps of:
the background service platform detects whether feedback of the balance transfer reminding message of the target user is received or not;
when detecting that the feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to execute the balance transfer operation on a certain IC card, the background service platform sends a virtual payment card to the target account, and executes recharging operation on the virtual payment card based on the balance of the certain IC card.
It can be seen that in this optional embodiment, after sending the balance transfer reminding message, the optional embodiment further detects whether feedback of the user for the balance transfer reminding message is received, and when detecting that the feedback is received and the feedback indicates that the user determines that the balance transfer operation is performed on the IC card, sends a virtual payment card to an account corresponding to the IC card, and performs recharging operation on the virtual payment card based on the balance in the IC card, so that the user directly uses the virtual payment card, and further improves user viscosity of mobile phone payment.
As yet another alternative embodiment, the reminding method for the balance transfer of the IC card may further include the steps of:
when the feedback of the target user for the balance transfer reminding message is not received, the background service platform sends balance transfer advantage information to a user terminal corresponding to the target user, wherein the advantage information at least comprises information which can realize quick payment without carrying an IC card.
Therefore, when the optional embodiment detects that the feedback of the user for the balance transfer reminding message is not received, the optional embodiment sends the advantage prompt of balance transfer to the user terminal corresponding to the user, so that the possibility of executing balance transfer on the IC card by the user can be improved, and the popularization of mobile phone payment is facilitated.
Therefore, the reminding method for carrying out the balance transfer of the IC card described in the embodiment of FIG. 1 can be beneficial to improving the viscosity of users taking public transportation in a mobile phone payment mode by carrying out balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, so that the possibility that the users have to go to ticket selling equipment to purchase tickets and can take vehicles because the users do not carry the IC card is reduced. In addition, the use record of the IC card can be detected regularly, so that the management of the IC card is facilitated, the power consumption of a background service platform is reduced, and the service life of the background service platform is prolonged; the detection flexibility of the use record of the IC card can be improved, and the functions of a background service platform can be enriched; the judgment accuracy and reliability of the current condition of the IC card can be improved; the occurrence of the failure of balance transfer of the IC card caused by the balance transfer operation of the IC card can be reduced, and the accuracy and reliability of the balance transfer of the IC card are improved; the possibility of balance transfer of the IC card by the user can be improved, so that popularization of mobile phone payment is facilitated.
Example two
Referring to fig. 2, fig. 2 is a flow chart of another reminding method for transferring the balance of an IC card according to an embodiment of the invention. The method described in fig. 2 may be applied to a background service platform for managing public transportation. As shown in fig. 2, the reminding method for the balance transfer of the IC card may include the following steps:
201. the background service platform detects a usage record of a certain IC card.
202. And the background service platform judges whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card. When step 202 determines that the current condition of a certain IC card meets the preset balance transfer condition, step 203 may be triggered to be executed; when step 102 determines that the current condition of a certain IC card does not meet the preset balance transfer condition, the process can be directly ended.
203. The background service platform detects whether a first account exists in a certain IC card, wherein the first account is an account bound with the certain IC card. When step 203 detects that a first account exists in a certain IC card, step 204 can be triggered to be executed; when step 203 detects that a certain IC card does not have the first account, execution of step 205 may be triggered.
204. And the background service platform determines the first account as a target account.
In the embodiment of the present invention, after step 204 is performed, step 207 may be performed in a triggered manner.
Therefore, when the current condition of the IC card is judged to meet the preset balance transfer condition, whether the IC card has an account bound with the IC card is further judged, and when the IC card is judged to have the account bound with the IC card, the subsequent operation of sending the balance transfer reminding message to the user corresponding to the account can be directly carried out, and the sending efficiency of the balance transfer reminding message is improved.
205. The background service platform sends an account opening prompt to the user terminal corresponding to the certain IC card, wherein the account opening prompt is used for prompting the user corresponding to the user terminal to open an account aiming at the certain IC card.
206. When detecting that the user corresponding to the user terminal opens a second account aiming at the certain IC card, the background service platform determines that the second account is a target account.
Therefore, when the embodiment of the invention judges that the IC card does not have the account bound with the IC card, the account opening prompt is sent to the user corresponding to the IC card, and the user can be prompted to open the account aiming at the IC card, so that the possibility of failure in sending balance transfer prompt information is reduced.
207. The background service platform sends a balance transfer reminding message to a user terminal corresponding to the target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the IC card, wherein the target account is an account bound with the IC card.
In the embodiment of the present invention, the detailed descriptions of step 201, step 202 and step 207 are referred to in the first embodiment for the detailed descriptions of step 101 to step 103, and are not repeated in the embodiment of the present invention.
Therefore, another reminding method for carrying out the balance transfer of the IC card described in the figure 2 can be beneficial to improving the viscosity of the user taking public transportation in a mobile phone payment mode by carrying out the balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, so that the possibility that the user has to go to ticket selling equipment to purchase tickets and can take vehicles because the user does not carry the IC card is reduced. In addition, when the current condition of the IC card is judged to meet the preset balance transfer condition, whether the IC card has an account bound with the IC card can be further judged, and when the IC card is judged to have the account bound with the IC card, the subsequent operation of sending the balance transfer reminding message to the user corresponding to the account can be directly carried out, so that the sending efficiency of the balance transfer reminding message is improved; when the IC card is judged to not have the account bound with the IC card, an account opening prompt is sent to a user corresponding to the IC card, and the user can be prompted to open the account aiming at the IC card, so that the possibility of failure in sending balance transfer prompt information is reduced.
Example III
Referring to fig. 3, fig. 3 is a schematic structural diagram of a reminder for transferring balance of an IC card according to an embodiment of the present invention. As shown in fig. 3, the reminding device for the balance transfer of the IC card may be applied to a background service platform, and the reminding device for the balance transfer of the IC card may include a detection module 301, a judgment module 302, and a sending module 303, where:
the detection module 301 is configured to detect a usage record of a certain IC card.
A judging module 302, configured to judge whether the current condition of the certain IC card meets the preset balance transfer condition according to the usage record of the certain IC card detected by the detecting module 301.
And a sending module 303, configured to send a balance transfer reminding message to a user terminal corresponding to a target account when the judging module 302 judges that the current condition of the certain IC card meets the preset balance transfer condition, so as to remind a target user corresponding to the target account of executing a balance transfer operation on the certain IC card, where the target account is an account bound with the certain IC card.
Therefore, the reminding device for carrying out the balance transfer of the IC card described in the embodiment of FIG. 3 can carry out balance transfer reminding on the IC card with the current condition meeting the preset balance transfer condition, which is beneficial to improving the viscosity of the user taking public transportation in a mobile phone payment mode, thereby reducing the possibility that the user has to go to ticket selling equipment to purchase tickets and can take vehicles because the user does not carry the IC card.
As an alternative embodiment, the reminding device for the balance transfer of the IC card may further include a first determining module 304. At this time, the reminding device for balance transfer of the IC card may be as shown in fig. 4, and fig. 4 is a schematic structural diagram of another reminding device for balance transfer of the IC card according to the embodiment of the present invention, where:
the detecting module 301 is further configured to detect whether a first account exists in a certain IC card after the judging module 302 judges that the current condition of the certain IC card meets the preset balance transfer condition, and before the sending module 303 sends a balance transfer reminding message to a user terminal corresponding to a target account to remind a target user corresponding to the target account to perform a balance transfer operation on the certain IC card, where the first account is an account bound with the certain IC card.
The first determining module 304 is configured to determine that the first account is a target account when the detecting module 301 detects that the first account exists in the certain IC card, and trigger the sending module 303 to execute the step of sending a balance transfer reminding message to the user terminal corresponding to the target account, so as to remind the target user corresponding to the target account to execute a balance transfer operation on the certain IC card.
The sending module 303 is further configured to send an account opening reminder to a user terminal corresponding to the certain IC card when the detecting module 301 detects that the certain IC card does not have the first account, where the account opening reminder is used to prompt a user corresponding to the user terminal to open an account for the certain IC card.
The first determining module 304 is further configured to determine that the second account is a target account when the detecting module 301 detects that the user corresponding to the user terminal has opened the second account for the certain IC card, and trigger the sending module 303 to execute the step of sending the balance transfer reminding message to the user terminal corresponding to the target account, so as to remind the target user corresponding to the target account to execute the balance transfer operation on the certain IC card.
As can be seen, the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can further judge whether the IC card has an account bound with the IC card when judging that the current condition of the IC card meets the preset balance transfer condition, and can be beneficial to directly executing the subsequent operation of sending the balance transfer reminding message to the user corresponding to the account when judging that the IC card has the account bound with the IC card, so that the sending efficiency of the balance transfer reminding message is improved; when the IC card is judged to not have the account bound with the IC card, an account opening prompt is sent to a user corresponding to the IC card, and the user can be prompted to open the account aiming at the IC card, so that the possibility of failure in sending balance transfer prompt information is reduced.
As another alternative embodiment, as shown in fig. 4, the reminding device for balance transfer of the IC card may further include a second determining module 305, where:
a second determining module 305 for determining a current date before the detecting module 301 detects a usage record of a certain IC card;
the judging module 302 is further configured to judge whether the current date is a preset reminding date, where the preset reminding date is a date for reminding a user corresponding to the IC card to perform a transfer operation on the balance of the IC card.
The detecting module 301 is further configured to detect a usage record of a certain IC card when the judging module 302 judges that the current date is the preset reminding date.
Therefore, the reminding device for implementing the balance transfer of the IC card shown in FIG. 4 can also determine the current date before detecting the use record of the IC card, judge whether the current date is the preset reminding date, and execute the subsequent operation only when the judgment result is yes, so that the use record of the IC card can be detected regularly, the management of the IC card is facilitated, the power consumption of a background service platform is reduced, and the service life of the background service platform is prolonged.
As yet another alternative embodiment, as shown in fig. 4, the detecting module 301 is further configured to detect whether a detection request triggered by a manager is received when the judging module 302 judges that the current date is not the preset reminding date, where the detection request is used to request to detect a usage record of a certain IC card;
The detecting module 301 is further configured to detect a usage record of a certain IC card when the judging module 302 judges that the current date is not the preset reminding date and when the detecting module 301 detects that a detection request triggered by a manager is received.
Therefore, the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can also improve the flexibility of detecting the use record of the IC card and enrich the functions of the background service platform by detecting whether the detection request triggered by the manager is received or not when the current date is not the preset reminding date, and executing the subsequent operation when the detection request is received.
As yet another alternative embodiment, as shown in fig. 4, the reminding device for the balance transfer of the IC card may further include an execution module 306, where:
the detecting module 301 is further configured to detect whether feedback of the target user for the balance transfer reminding message is received after the sending module 303 sends the balance transfer reminding message to the user terminal corresponding to the target account to remind the target user corresponding to the target account to perform the balance transfer operation on the certain IC card.
The sending module 303 is further configured to send a virtual payment card to the target account when the detecting module 301 detects that a feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to perform the balance transfer operation on the certain IC card.
And an execution module 306, configured to execute a recharging operation on the virtual payment card based on the balance of the certain IC card.
It can be seen that the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can further detect whether the feedback of the user for the balance transfer reminding message is received or not after the balance transfer reminding message is sent, and when the feedback is detected to be received and the feedback indicates that the user determines to perform the balance transfer operation on the IC card, send the virtual payment card to the account corresponding to the IC card, and perform the recharging operation on the virtual payment card based on the balance in the IC card, so that the user can directly use the virtual payment card, and the user viscosity of mobile phone payment is further improved.
As yet another alternative embodiment, as shown in fig. 4, the sending module 303 is further configured to send, when the detecting module 301 detects that the feedback of the target user for the balance transfer reminding message is not received, advantage information of balance transfer to a user terminal corresponding to the target user, where the advantage information includes at least information that can realize quick payment without carrying an IC card.
Therefore, the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can send the advantage prompt of the balance transfer to the user terminal corresponding to the user when detecting that the feedback of the user for the balance transfer reminding message is not received, and can improve the possibility that the user performs the balance transfer on the IC card, thereby being beneficial to popularization of mobile phone payment.
As yet another alternative embodiment, as shown in fig. 4, the determining module 302 determines, according to the usage record of the certain IC card, whether the current condition of the certain IC card meets the preset balance transfer condition, specifically:
judging whether the total number of times of using a certain IC card in a preset time period reaches a preset total number threshold value or not according to the use record of the certain IC card;
when the total use times of the certain IC card in the preset time period reach the preset total times threshold value, determining that the current condition of the certain IC card meets the preset balance transfer condition.
In this alternative embodiment, after the determining module 302 determines that the total number of times of use of the certain IC card in the preset time period reaches the preset total number of times threshold, and before determining that the current condition of the certain IC card satisfies the preset balance transfer condition, it is determined whether the total number of times of abnormal use of the certain IC card in the preset time period is greater than or equal to the preset total number of times of abnormal use, and when the result of the determination is negative, it is determined that the current condition of the certain IC card satisfies the preset balance transfer condition.
As can be seen, the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can further judge whether the abnormal usage frequency of the IC card in the preset time period is greater than or equal to the preset abnormal usage frequency when judging that the total usage frequency of the IC card in the preset time period reaches the preset total frequency threshold, and determine that the current condition of the IC card meets the preset balance transfer condition when the judging result is no, thereby improving the judging accuracy and reliability of the current condition of the IC card.
As yet another alternative embodiment, as shown in fig. 4, the determining module 302 is further configured to, when determining whether a balance transfer operation has been performed on the above-mentioned certain IC card; when it is determined that the balance transfer operation has not been performed on the certain IC card, the sending module 303 is triggered to perform the above-mentioned operation of sending a balance transfer reminding message to the user terminal corresponding to the target account, so as to remind the target user corresponding to the target account of performing the balance transfer operation on the certain IC card.
In this optional embodiment, as an optional implementation manner, the determining module 302 determines whether the balance transfer operation has been performed on the above-mentioned certain IC card, specifically:
judging whether a virtual payment card matched with a certain IC card exists or not, and determining that balance transfer operation has been performed on the certain IC card when judging that the virtual payment card matched with the certain IC card exists.
Therefore, the reminding device for implementing the balance transfer of the IC card shown in fig. 4 can also judge whether a virtual payment card matched with the IC card exists or not after judging that the current condition of the IC card meets the preset balance transfer condition, and execute the subsequent operation of sending the balance transfer reminding message when judging that the virtual payment card matched with the IC card does not exist, so that the occurrence of the failure of balance transfer of the IC card caused by the fact that the balance transfer operation of the IC card has occurred can be reduced, the accuracy and the reliability of the balance transfer of the IC card are improved, and the popularization of taking public transportation in a mobile phone payment mode is facilitated.
Example IV
Referring to fig. 5, fig. 5 is a schematic structural diagram of a reminding device for transferring balance of an IC card according to another embodiment of the present invention. As shown in fig. 5, the reminding device for the balance transfer of the IC card may include:
a memory 501 in which executable program codes are stored;
a processor 502 coupled to the memory 501;
the processor 502 calls executable program codes stored in the memory 501 to execute the steps in the reminding method of the IC card balance transfer described in any one of the first to second embodiments.
Example five
The embodiment of the invention discloses a computer readable storage medium storing a computer program for electronic data exchange, wherein the computer program causes a computer to execute the steps in the reminding method for the balance transfer of an IC card described in any one of the first embodiment to the second embodiment.
Example six
The embodiment of the invention discloses a computer program product, which comprises a non-transitory computer readable storage medium storing a computer program, and the computer program is operable to cause a computer to execute the steps in the reminding method of the balance transfer of the IC card described in any one of the first embodiment to the second embodiment.
The apparatus embodiments described above are merely illustrative, wherein the modules illustrated as separate components may or may not be physically separate, and the components shown as modules may or may not be physical, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
From the above detailed description of the embodiments, it will be apparent to those skilled in the art that the embodiments may be implemented by means of software plus necessary general hardware platforms, or of course by means of hardware. Based on such understanding, the foregoing technical solutions may be embodied essentially or in part in the form of a software product that may be stored in a computer-readable storage medium including Read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), programmable Read-Only Memory (Programmable Read-Only Memory, PROM), erasable programmable Read-Only Memory (Erasable Programmable Read Only Memory, EPROM), one-time programmable Read-Only Memory (OTPROM), electrically erasable programmable Read-Only Memory (EEPROM), compact disc Read-Only Memory (Compact Disc Read-Only Memory, CD-ROM) or other optical disc Memory, magnetic disc Memory, tape Memory, or any other medium that can be used for computer-readable carrying or storing data.
Finally, it should be noted that: the embodiment of the invention discloses a reminding method and a reminding device for balance transfer of an IC card, which are disclosed by the embodiment of the invention only as a preferred embodiment of the invention, and are only used for illustrating the technical scheme of the invention, but not limiting the technical scheme; although the invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art will understand that; the technical scheme recorded in the various embodiments can be modified or part of technical features in the technical scheme can be replaced equivalently; such modifications and substitutions do not depart from the spirit and scope of the corresponding technical solutions.

Claims (8)

1. The reminding method for the balance transfer of the IC card is characterized by being applied to a background service platform and comprising the following steps of:
the background service platform detects a use record of a certain IC card, wherein the use record comprises total use times in a preset time period and total abnormal use times in the preset time period;
the background service platform judges whether the current condition of a certain IC card meets the preset balance transfer condition according to the use record of the certain IC card;
When judging that the current condition of a certain IC card meets the preset balance transfer condition, the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, wherein the target account is an account bound with the certain IC card;
the background service platform judges whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card, and comprises the following steps:
the background service platform judges whether the total number of times of using the certain IC card in a preset time period reaches a preset total number threshold value according to the use record of the certain IC card;
when judging that the total number of times of using the certain IC card in the preset time period reaches the preset total number threshold, the background service platform determines that the current condition of the certain IC card meets the preset balance transfer condition;
wherein after the background service platform determines that the total number of times of use of the certain IC card in the preset time period reaches the preset total number threshold, and before the background service platform determines that the current condition of the certain IC card meets the preset balance transfer condition, the method further comprises:
The background service platform judges whether the total abnormal use times of the certain IC card in the preset time period is more than or equal to the preset total abnormal use times;
when judging that the total abnormal use times of the certain IC card in the preset time period is smaller than the preset total abnormal use times, the background service platform determines that the current condition of the certain IC card meets the preset balance transfer condition.
2. The method for reminding the balance transfer of an IC card according to claim 1, wherein after judging that the current condition of the certain IC card meets the preset balance transfer condition, and before the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account to remind a target user corresponding to the target account to perform a balance transfer operation on the certain IC card, the method further comprises:
the background service platform detects whether a first account exists in a certain IC card or not, wherein the first account is an account bound with the certain IC card;
when detecting that the first account exists in the certain IC card, the background service platform determines the first account as a target account and triggers and executes the step of sending a balance transfer reminding message to a user terminal corresponding to the target account so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card;
When the fact that the first account does not exist in the certain IC card is detected, the background service platform sends an account opening prompt to a user terminal corresponding to the certain IC card, and the account opening prompt is used for prompting a user corresponding to the user terminal to open an account aiming at the certain IC card;
when detecting that the user corresponding to the user terminal opens a second account for the certain IC card, the background service platform determines the second account as a target account and triggers and executes the step of sending a balance transfer reminding message to the user terminal corresponding to the target account so as to remind the target user corresponding to the target account to execute balance transfer operation on the certain IC card.
3. The reminding method for the balance transfer of an IC card according to claim 1 or 2, wherein before the background service platform detects a usage record of a certain IC card, the method further comprises:
the background service platform determines a current date and judges whether the current date is a preset reminding date, wherein the preset reminding date is a date for reminding a user corresponding to the IC card to execute transfer operation on the balance of the IC card;
and when the current date is judged to be the preset reminding date, the background service platform triggers and executes the operation of detecting the use record of a certain IC card.
4. The method for reminding the balance transfer of an IC card according to claim 1, wherein the background service platform sends a balance transfer reminding message to a user terminal corresponding to a target account, so as to remind a target user corresponding to the target account of performing a balance transfer operation on the certain IC card, and the method further comprises:
the background service platform detects whether feedback of the target user for the balance transfer reminding message is received or not;
when detecting that the feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to execute the balance transfer operation on a certain IC card, the background service platform sends a virtual payment card to the target account, and executes recharging operation on the virtual payment card based on the balance of the certain IC card.
5. The reminding device for the balance transfer of the IC card is characterized by being applied to a background service platform and comprising a detection module, a judgment module and a sending module, wherein:
the detection module is used for detecting a use record of a certain IC card, wherein the use record comprises total use times in a preset time period and abnormal use times in the preset time period;
The judging module is used for judging whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card detected by the detecting module;
the sending module is used for sending a balance transfer reminding message to a user terminal corresponding to a target account when the judging module judges that the current condition of a certain IC card meets the preset balance transfer condition so as to remind a target user corresponding to the target account of executing balance transfer operation on the certain IC card, wherein the target account is an account bound with the certain IC card;
the judging module judges whether the current condition of the certain IC card meets the preset balance transfer condition according to the use record of the certain IC card specifically comprises the following steps:
judging whether the total number of times of using the certain IC card in a preset time period reaches a preset total number threshold value or not according to the use record of the certain IC card;
when judging that the total number of times of using the certain IC card in the preset time period reaches the preset total number threshold, determining that the current condition of the certain IC card meets the preset balance transfer condition;
the judging module is further configured to judge whether the total number of abnormal uses of the certain IC card in the preset time period is greater than or equal to the preset total number of abnormal uses of the certain IC card in the preset time period after the judging module judges that the total number of uses of the certain IC card in the preset time period reaches the preset total number threshold and before the judging module determines that the current condition of the certain IC card meets the preset balance transfer condition; when judging that the total abnormal use times of the certain IC card in the preset time period is smaller than the preset total abnormal use times, determining that the current condition of the certain IC card meets the preset balance transfer condition.
6. The device for reminding an IC card balance shift according to claim 5, further comprising a first determining module, wherein:
the detecting module is further configured to detect whether a first account exists in the certain IC card or not after the judging module judges that the current condition of the certain IC card meets the preset balance transfer condition, and before the sending module sends a balance transfer reminding message to a user terminal corresponding to a target account to remind a target user corresponding to the target account to perform balance transfer operation on the certain IC card, where the first account is an account bound with the certain IC card;
the first determining module is configured to determine that the first account is a target account when the detecting module detects that the first account exists in the certain IC card, and trigger the sending module to execute the step of sending a balance transfer reminding message to a user terminal corresponding to the target account, so as to remind a target user corresponding to the target account to execute balance transfer operation on the certain IC card;
the sending module is further configured to send an account opening reminder to a user terminal corresponding to the certain IC card when the detecting module detects that the first account does not exist in the certain IC card, where the account opening reminder is used to prompt a user corresponding to the user terminal to open an account for the certain IC card;
The first determining module is further configured to determine that the second account is a target account when the detecting module detects that the user corresponding to the user terminal has opened the second account for the certain IC card, and trigger the sending module to execute the step of sending a balance transfer reminding message to the user terminal corresponding to the target account, so as to remind the target user corresponding to the target account to execute a balance transfer operation on the certain IC card.
7. The device for reminding an IC card balance shift according to claim 5 or 6, wherein the device further comprises a second determining module, wherein:
the second determining module is used for determining the current date before the detecting module detects the use record of a certain IC card;
the judging module is further used for judging whether the current date is a preset reminding date or not, wherein the preset reminding date is a date for reminding a user corresponding to the IC card to execute transfer operation on the balance of the IC card;
the detection module is further used for detecting a use record of a certain IC card when the judgment module judges that the current date is the preset reminding date.
8. The device for reminding an IC card balance shift according to claim 5, wherein the device further comprises an execution module, wherein:
The detection module is further configured to detect whether a feedback of the target user for the balance transfer reminding message is received after the sending module sends the balance transfer reminding message to the user terminal corresponding to the target account so as to remind the target user corresponding to the target account to perform the balance transfer operation on the certain IC card;
the sending module is further configured to send a virtual payment card to the target account when the detecting module detects that feedback of the target user for the balance transfer reminding message is received, and the feedback indicates that the target user determines to perform the balance transfer operation on the certain IC card;
and the execution module is used for executing recharging operation on the virtual payment card based on the balance of the certain IC card.
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