CN110490566A - Loaning bill processing method, device, processor and electronic device in instant messaging - Google Patents
Loaning bill processing method, device, processor and electronic device in instant messaging Download PDFInfo
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- CN110490566A CN110490566A CN201910769967.9A CN201910769967A CN110490566A CN 110490566 A CN110490566 A CN 110490566A CN 201910769967 A CN201910769967 A CN 201910769967A CN 110490566 A CN110490566 A CN 110490566A
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Classifications
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
- G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
- G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
- G06F3/0487—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
- G06F3/0488—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
- H04L51/046—Interoperability with other network applications or services
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/21—Monitoring or handling of messages
- H04L51/214—Monitoring or handling of messages using selective forwarding
Abstract
The invention discloses loaning bill processing method, device, processor and the electronic devices in a kind of instant messaging.This method comprises: response acts in first page the first touch control operation for increasing control in additional function newly, show second page, wherein, first page is the page that the first user account and second user account carry out instant messaging, newly-increased control is the page that the first user account submits request of borrowing money to second user account for triggering loaning bill process, second page；Response acts on the second touch control operation of the first preset control in second page, borrows money and requests to the initiation of second user account, wherein the first preset control is used to determine whether to initiate to borrow money to request, and the information carried in requesting of borrowing money includes at least: borrowing balance.The present invention solves after using the functions such as transfer accounts fund flow occurs for the relevant technologies in instant communication process, can not effectively identify the side's of loaninging bill user identity and the technical issues of by loaning bill side's user identity.
Description
Technical field
The present invention relates to the communications fields, in particular to the loaning bill processing method in a kind of instant messaging, device, place
Manage device and electronic device.
Background technique
With the rapid development of science and technology, installed in terminal instant communication software (such as: wechat, nail nail) He Chunzhi
Pay class software (such as: Alipay, Unionpay's cloud dodge pay) more increase.The fund flow occurred between different user account is usual
Use additional rubescent packet function or function of transferring accounts in instant communication software or pure payment class software.Above-mentioned function is realized main logical
Cross the fund flow between server completion different user account.
However, by checking that transaction record is difficult to determine that above-mentioned fund flow belongs to loaning bill process still in user account
Belong to refund process, loaning bill side's user identity thus can not be identified from transaction record and by loaning bill side's user identity, Jin Erwu
Method effectively supervises fund flow, but also can not be using above-mentioned transaction record as effective loaning bill evidence and card of refunding
According to.In addition, lacking effectively to refund to loaning bill side user and remind in loaning bill side user to after being borrowed money successfully by loaning bill side user
And supervision, it is thus easy to cause the legitimate rights and interests by loaning bill side user to be unable to get and effectively ensures.
For above-mentioned problem, currently no effective solution has been proposed.
Summary of the invention
The present invention at least partly embodiment provide a kind of loaning bill processing method in instant messaging, device, processor and
Electronic device can not at least to solve after using the functions such as transfer accounts fund flow occurs for the relevant technologies in instant communication process
Effectively identify the technical issues of loaning bill side's user identity is with by loaning bill side's user identity.
A wherein embodiment according to the present invention provides the loaning bill processing method in a kind of instant messaging, comprising:
Response acts in first page the first touch control operation for increasing control in additional function newly, shows second page,
In, first page is the page that the first user account and second user account carry out instant messaging, and newly-increased control is borrowed for triggering
Money process, second page are the page that the first user account submits request of borrowing money to second user account；Response acts on second
Second touch control operation of the first preset control on the page initiates request of borrowing money to second user account, wherein the first preset control
It is used to determine whether to initiate request of borrowing money, the information carried in request of borrowing money includes at least: borrowing balance.
Optionally, after initiating loaning bill request to second user account, further includes: receive what second user account returned
Loaning bill success response, wherein the information carried in loaning bill success response includes at least: the payback period.
Optionally, after initiating loaning bill request to second user account, further includes: pop up first in first page and mention
Show information, wherein the first prompt information is for prompting the first user account to use according to borrowing balance to second within the payback period
Family account is refunded.
Optionally, if the first prompt information is also used to prompt the first user account within the payback period not according to gold of borrowing money
Volume is refunded to second user account, then links a bank account or assure auto deduction in user account from the first user account.
Optionally, after request of initiating to borrow money to second user account, further includes: response acts on the 4th page the
The third touch control operation of two preset controls pops up the second prompt information, wherein the 4th page is the first user account to contact person
The page that list is managed, third touch control operation are used to determine whether the deletion second user account from contacts list, the
If two prompt informations are not refunded according to borrowing balance to second user account within the payback period for the first user account,
Second user account can not be deleted.
A wherein embodiment according to the present invention, additionally provides the loaning bill processing method in another instant messaging, comprising:
Prompt information is popped up in first page, wherein first page be the first user account and second user account into
The page of row instant messaging, prompt information are borrowed money for prompting the first user account to initiate request of borrowing money to second user account
The information carried in request includes at least: borrowing balance；Response acts on the first touch-control of the first preset control in prompt information
Operation shows the third page, wherein the third page is the page that second user account confirms request of borrowing money to the first user account
Face；Response acts on the second touch control operation of the second preset control in the third page, borrows money successfully to the return of the first user account
Response, wherein the second preset control is borrowed money for being confirmed whether to the first user account, the information carried in loaning bill success response
It includes at least: repayment amount.
Optionally, the information carried in loaning bill success response further include: the payback period, after showing the third page, also
Include: the third touch control operation that response acts on third preset control in the third page, determines the payback period, wherein third is pre-
If control is for being arranged the payback period.
Optionally, after showing the third page, further includes: it is pre- that response acts in the third page in additional function the 4th
If the 4th touch control operation of control, the 4th page is shown, wherein the 4th preset control is for triggering safety guarantee process, and the 4th
The page is to initiate Claims Resolution request by second user account in the case where the powerless refund to second user account of the first user account
The page.
A wherein embodiment according to the present invention additionally provides the loaning bill processing unit in a kind of instant messaging, comprising:
Display module acts in first page the first touch control operation for increasing control in additional function newly for responding, shows
Show second page, wherein first page is the page that the first user account and second user account carry out instant messaging, increases control newly
Part is the page that the first user account submits request of borrowing money to second user account for triggering loaning bill process, second page；Please
Modulus block is initiated for responding the second touch control operation for acting on the first preset control in second page to second user account
It borrows money and requests, wherein the first preset control is used to determine whether to initiate to borrow money to request, and the information carried in requesting of borrowing money at least is wrapped
It includes: borrowing balance.
Optionally, above-mentioned apparatus further include: receiving module, the loaning bill for receiving the return of second user account are successfully rung
It answers, wherein the information carried in loaning bill success response includes at least: the payback period.
Optionally, above-mentioned apparatus further include: the first cue module, for popping up the first prompt information in first page,
Wherein, the first prompt information for prompt the first user account within the payback period according to borrowing balance to second user account also
Money.
Optionally, if the first prompt information is also used to prompt the first user account within the payback period not according to gold of borrowing money
Volume is refunded to second user account, then links a bank account or assure auto deduction in user account from the first user account.
Optionally, above-mentioned apparatus further include: the second cue module acts on the second default control on the 4th page for responding
The third touch control operation of part pops up the second prompt information, wherein the 4th page is that the first user account carries out contacts list
The page of management, third touch control operation are used to determine whether the deletion second user account from contacts list, the second prompt letter
If breath is not refunded according to borrowing balance to second user account within the payback period for the first user account, can not delete
Second user account.
A wherein embodiment according to the present invention, additionally provides the loaning bill processing unit in another instant messaging, comprising:
Cue module, for popping up prompt information in first page, wherein first page is the first user account and the
Two user accounts carry out the page of instant messaging, and prompt information is for prompting the first user account to borrow to the initiation of second user account
Money request, the information carried in requesting of borrowing money include at least: borrowing balance；Display module acts on prompt information for responding
In the first preset control the first touch control operation, show the third page, wherein the third page be second user account to first use
The page of family account confirmation loaning bill request；Processing module acts on second of the second preset control in the third page for responding
Touch control operation returns to loaning bill success response to the first user account, wherein the second preset control is used for being confirmed whether to first
Family account is borrowed money, and the information carried in loaning bill success response includes at least: repayment amount.
Optionally, the information carried in loaning bill success response further include: payback period, above-mentioned apparatus further include: determine mould
Block determines the payback period, wherein third for responding the third touch control operation for acting on third preset control in the third page
Preset control is for being arranged the payback period.
Optionally, display module, is also used to respond and acts in the third page the of the 4th preset control in additional function
Four touch control operations show the 4th page, wherein for the 4th preset control for triggering safety guarantee process, the 4th page is the
In the case where the powerless refund to second user account of one user account, the page of Claims Resolution request is initiated by second user account.
A wherein embodiment according to the present invention, additionally provides a kind of storage medium, computer journey is stored in storage medium
Sequence, wherein computer program is arranged to execute the loaning bill processing method in the instant messaging of any of the above-described when operation.
A wherein embodiment according to the present invention additionally provides a kind of processor, and processor is for running program, wherein journey
The loaning bill processing method in the instant messaging of any of the above-described is executed when sort run.
A wherein embodiment according to the present invention, additionally provides a kind of electronic device, including memory and processor, memory
In be stored with computer program, processor is arranged to run the loaning bill processing method in the instant messaging of any of the above-described.
In the present invention at least partly embodiment, is acted on using response and increase control in first page in additional function newly
First touch control operation shows that second page, the first page are that the first user account and second user account carry out instant messaging
The page, for the newly-increased control for triggering loaning bill process, which is that the first user account is submitted to second user account
Borrow money request the page mode, the second touch control operation of the first preset control in second page is acted on by responding, to the
Two user accounts initiate request of borrowing money, which is used to determine whether to initiate request of borrowing money, take in loaning bill request
The information of band includes at least borrowing balance, reached in instant communication process it is subsidiary transfer accounts function on the basis of newly-increased loaning bill function
Can, loaning bill side's user identity is distinguished to by way of initiating loaning bill request by loaning bill side's user account loaning bill side's user account
With by the purpose of loaning bill side's user identity, reminds and supervise to realize and effectively refund to loaning bill side user, conscientiously
It ensures the technical effect that do not encroached on by the legitimate rights and interests of loaning bill side user, and then solves the relevant technologies in instant communication process
Middle use is transferred accounts etc. after fund flow occurs for functions, can not effectively identify the side's of loaninging bill user identity and by loaning bill side's user's body
The technical issues of part.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present invention, constitutes part of this application, this hair
Bright illustrative embodiments and their description are used to explain the present invention, and are not constituted improper limitations of the present invention.In the accompanying drawings:
Fig. 1 is the wherein flow chart of the loaning bill processing method in the instant messaging of an embodiment according to the present invention；
Fig. 2 is the signal for wherein increasing control in the Chat page of an alternative embodiment in additional function newly according to the present invention
Figure；
Fig. 3 is the schematic diagram of the loaning bill request page of a wherein alternative embodiment according to the present invention；
Fig. 4 is the schematic diagram of the refund prompt page of a wherein alternative embodiment according to the present invention；
Fig. 5 be according to the present invention wherein the deletion of an alternative embodiment by loaning bill side's user account prompt the page signal
Figure；
Fig. 6 is the wherein flow chart of the loaning bill processing method in another instant messaging of an embodiment according to the present invention；
Fig. 7 be according to the present invention wherein an alternative embodiment receive borrow money request prompt page schematic diagram；
Fig. 8 is the schematic diagram of the confirmation debit operation page of a wherein alternative embodiment according to the present invention；
Fig. 9 is the schematic diagram of the initiation Claims Resolution request page of a wherein alternative embodiment according to the present invention；
Figure 10 is the wherein structural block diagram of the loaning bill processing unit in the instant messaging of an embodiment according to the present invention；
Figure 11 is the wherein structural block diagram of the loaning bill processing unit in the instant messaging of an alternative embodiment according to the present invention；
Figure 12 is wherein structural frames of the loaning bill processing unit in another instant messaging of an embodiment according to the present invention
Figure；
Figure 13 is the wherein knot of the loaning bill processing unit in another instant messaging of an alternative embodiment according to the present invention
Structure block diagram.
Specific embodiment
In order to enable those skilled in the art to better understand the solution of the present invention, below in conjunction in the embodiment of the present invention
Attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only
The embodiment of a part of the invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill people
The model that the present invention protects all should belong in member's every other embodiment obtained without making creative work
It encloses.
It should be noted that description and claims of this specification and term " first " in above-mentioned attached drawing, "
Two " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so as to the embodiment of the present invention described herein can in addition to illustrating herein or
Sequence other than those of description is implemented.In addition, term " includes " and " having " and their any deformation, it is intended that cover
Cover it is non-exclusive include, for example, the process, method, system, product or equipment for containing a series of steps or units are not necessarily limited to
Step or unit those of is clearly listed, but may include be not clearly listed or for these process, methods, product
Or other step or units that equipment is intrinsic.
A wherein embodiment according to the present invention provides a kind of embodiment of the loaning bill processing method in instant messaging, needs
It is noted that step shown in the flowchart of the accompanying drawings can be in the computer system of such as a group of computer-executable instructions
Middle execution, although also, logical order is shown in flow charts, and it in some cases, can be to be different from herein
Sequence executes shown or described step.
This method embodiment can execute in mobile terminal, terminal or similar electronic device.With operation
For on mobile terminals, mobile terminal may include that (processor can include but is not limited to center to one or more processors
Processor (CPU), graphics processor (GPU), Digital Signal Processing (DSP) chip, microprocessor (MCU) or programmable logic device
The processing unit of part (FPGA) etc.) and memory for storing data.Optionally, above-mentioned mobile terminal can also include being used for
Transmission device, input-output equipment and the display equipment of communication function.It will appreciated by the skilled person that above-mentioned knot
Structure description is only to illustrate, and does not cause to limit to the structure of above-mentioned mobile terminal.For example, mobile terminal may also include than above-mentioned
Structure describes more perhaps less component or with describing different configurations from above structure.
Memory can be used for storing computer program, for example, the software program and module of application software, such as present invention are real
The corresponding computer program of loaning bill processing method in the instant messaging in example is applied, processor is stored in memory by operation
Computer program realized at the loaning bill in above-mentioned instant messaging thereby executing various function application and data processing
Reason method.Memory may include high speed random access memory, may also include nonvolatile memory, as one or more magnetism is deposited
Storage device, flash memory or other non-volatile solid state memories.In some instances, memory can further comprise relative to
The remotely located memory of processor, these remote memories can pass through network connection to mobile terminal.The reality of above-mentioned network
Example includes but is not limited to internet, intranet, local area network, mobile radio communication and combinations thereof.
Transmission device is used to that data to be received or sent via a network.Above-mentioned network specific example may include movement
The wireless network that the communication providers of terminal provide.In an example, transmission device includes a network adapter
(Network Interface Controller, referred to as NIC), can be connected by base station with other network equipments so as to
It is communicated with internet.In an example, transmission device can be radio frequency (Radio Frequency, referred to as RF) mould
Block is used to wirelessly be communicated with internet.
Show equipment can such as touch-screen type liquid crystal display (LCD) and touch display (also referred to as " touch
Screen " or " touch display screen ").The liquid crystal display aloows user and the user interface of mobile terminal to interact.In
In some embodiments, mobile terminal has graphical user interface (GUI), and user can be connect by touching the finger on touch sensitive surface
Touching and/or gesture to carry out human-computer interaction with GUI, and human-computer interaction function herein optionally includes following interaction: creation webpage,
Drawing, production electronic document, game, video conference, instant messaging, is sent and received e-mail, call interface, broadcasting at word processing
Digital video, playback digital music and/or web browsing etc. are matched for executing the executable instruction of above-mentioned human-computer interaction function
It sets/is stored in one or more processors executable computer program product or readable storage medium storing program for executing.
The loaning bill processing method in a kind of instant messaging for running on above-mentioned mobile terminal is provided in the present embodiment, it should
Method is applied to loaning bill side's user account, and Fig. 1 is the wherein loaning bill processing side in the instant messaging of an embodiment according to the present invention
The flow chart of method, as shown in Figure 1, this method comprises the following steps:
Step S12, response act in first page the first touch control operation for increasing control in additional function newly, display second
The page, wherein first page is the page that the first user account and second user account carry out instant messaging, and newly-increased control is used for
Loaning bill process is triggered, second page is the page that the first user account submits request of borrowing money to second user account；
Step S14, response acts on the second touch control operation of the first preset control in second page, to second user account
Initiate request of borrowing money, wherein the first preset control is used to determine whether initiation loaning bill request, and the information carried in request of borrowing money is extremely
It less include: borrowing balance.
Through the above steps, the first touch-control for increasing control in first page in additional function newly can be acted on using response
Operation shows that second page, the first page are the page that the first user account and second user account carry out instant messaging, should
For newly-increased control for triggering loaning bill process, which submits request of borrowing money to second user account for the first user account
The mode of the page acts on the second touch control operation of the first preset control in second page by responding, to second user account
Request of borrowing money is initiated, which is used to determine whether to initiate request of borrowing money, and the information carried in loaning bill request is extremely
Less include borrowing balance, reached in instant communication process it is subsidiary transfer accounts function on the basis of newly-increased loaning bill function, by borrowing
Money side's user account distinguishes loaning bill side's user identity and is borrowed money to the mode of loaning bill request is initiated by loaning bill side's user account
The purpose of square user identity is reminded and is supervised to realize and effectively refund to loaning bill side user, ensures and borrowed conscientiously
The technical effect that the legitimate rights and interests of money side user are not encroached on, and then solve the relevant technologies and used in instant communication process and turned
After fund flow occurs for the functions such as account, loaning bill side's user identity can not be effectively identified and by the technology of loaning bill side's user identity
Problem.
Above-mentioned first user account can be loaning bill side's user account, and above-mentioned second user account can be to be used by loaning bill side
Family account.Above-mentioned first page can be the first user account and second user account carries out the page of instant messaging, such as: it is micro-
Believe Chat page.Fig. 2 is wherein to increase showing for control in the Chat page of an alternative embodiment in additional function newly according to the present invention
It is intended to, as shown in Fig. 2, above-mentioned newly-increased control is to remove red packet functionality controls, functionality controls of transferring accounts in Chat page in additional function
Except good friend's loaning bill functionality controls, for triggering loaning bill process.It certainly, can also include it in additional function in Chat page
His functionality controls, such as: collection function control.Fig. 3 is the loaning bill request page of a wherein alternative embodiment according to the present invention
Schematic diagram, as shown in figure 3, above-mentioned second page is the page that the first user account submits request of borrowing money to second user account.
It may include borrowing balance control, behavior instruction control, payback period control and confirmation control in the page.Borrowing balance
Control for filling in borrowing balance, third party's management server can be distributed according to user credit degree the borrowing balance upper limit (such as:
5000 yuan of RMB).Behavior instruction control is for showing that active user's account prepares to implement loaning bill behavior or refund behavior.Also
Money time limit control is can selected control.The refund date in the control can both be set by loaning bill side's user account, can also be by
It is set by loaning bill side's user account.But final decision is belonged to by loaning bill side's user account.Confirmation control (is equivalent to
Above-mentioned first preset control) it is used to determine whether to initiate request of borrowing money.If loaning bill side's user account does not set the payback period,
The information carried in requesting of borrowing money includes borrowing balance.
Above-mentioned first touch control operation can include but is not limited to: clicking operation, slide, by operation, (i.e. touch is situated between again
Pressing dynamics between matter and display screen are greater than preset threshold), long press operation is (when contact i.e. between touching medium and display screen
It is long to be greater than preset threshold), as long as can satisfy the demand for request of initiating to borrow money.Similarly, above-mentioned second touch control operation is same
Can include but is not limited to: clicking operation, presses operation, long press operation at slide again.
It optionally, can also include step performed below after initiating loaning bill request to second user account in step S14
It is rapid:
Step S15 receives the loaning bill success response that second user account returns, wherein carry in loaning bill success response
Information includes at least: the payback period.
After the first user account initiates loaning bill request to second user account, second user account is chatted in above-mentioned wechat
Prompt information is popped up in its page.Such as: good friend XXX wants to borrow money to you 100 yuan, if returns to response of borrowing money.If by borrowing money
Square user clicks "No" in prompt information, then second user account can return to loaning bill failure response to the first user account.Such as
Fruit clicks "Yes" by loaning bill side user in prompt information, then second user account can be returned to the first user account and be borrowed money successfully
Response.
As described above, the payback period can both be set by loaning bill side's user account, it can also be by by loaning bill side's user's account
Family is set.But final decision is belonged to by loaning bill side's user account.That is, in the first user account to second user account
During loaning bill request is initiated at family, loaning bill side user can draft a refund date in advance, such as: on August 5th, 2019.
Certainly, during the first user account initiates to borrow money request to second user account, loaning bill side user, which can be omitted, to be filled in
It refunds the date, the date of refunding at this time is void item.After the first user account initiates loaning bill request to second user account, such as
Fruit agrees to that the loaning bill of loaning bill side user is requested by loaning bill side user, then also needs to further determine that the date of refunding by loaning bill side user
It whether is void item.When the date of refunding is void item, needed to arrange a refund date by loaning bill side user, such as: 2019
On August 5,.When the date of refunding is not void item, it is necessary to determine whether that modification loaning bill side user drafts by loaning bill side user
The refund date.It, can the side of loaning bill in advance if being needed to modify refund date for drafting of loaning bill side user by loaning bill side user
The refund date of user.Such as: on July 5th, 2019 was advanceed to from August 5th, 2019.If by loaning bill side user it is not necessary to modify
The refund date that loaning bill side user drafts, then the side of loaning bill user refunds in accordance with the refund date drafted.
It optionally, can also include step performed below after initiating loaning bill request to second user account in step S14
It is rapid:
Step S16 pops up the first prompt information in first page, wherein the first prompt information is used for prompting first
Family account is refunded according to borrowing balance to second user account within the payback period.
Third-party monitoring server can the loaning bill behavior to the first user account reminded and supervised.For this purpose, can be with
The first prompt information is periodically popped up in first page, with prompt the first user account within the payback period according to borrowing balance to
Second user account is refunded.Such as: the payback period of you and good friend's agreement will just expire in August, ask timely cash payment on account, in order to avoid
Cause unnecessary economic loss.Loaning bill side user can be reminded not forget within the payback period in time by the prompt information
To by the user's cash payment on account of loaning bill side.
In one alternate embodiment, if above-mentioned first prompt information is also used to prompt the first user account in repayment period
It does not refund according to borrowing balance to second user account in limit, then links a bank account or assure user from the first user account
Auto deduction in account.
In order to avoid being suffered a loss by the legitimate rights and interests of loaning bill side user, in loaning bill side, user initiates the process requested of borrowing money
In, it (includes: debit that third-party monitoring server, which can require the side of loaning bill user to bind personal bank card in the first user account,
Card, credit card).The remaining sum of the bank card needs to be greater than preset threshold.Alternatively, third-party monitoring server may also require that loaning bill
Square user tender guarantee user account and determine guarantee user account have loan repayment capacity.
If loaning bill side user opposite direction within the payback period by the user's cash payment on account of loaning bill side holds passive attitude, or even deposits
Maliciously refusing to by the user's cash payment on account of loaning bill side.Then third-party monitoring server can also pop up first in first page
Prompt information.The first prompt information, which is applied not only to issue last refund to the first user account, at this time reminds, but also for
First user account issues alarm, that is, can be from the correspondent bank of the first user account if the first user account refuses to refund
Auto deduction in account or guarantee user account, and do not support installment reimbursement.Fig. 4 is a wherein optional implementation according to the present invention
The schematic diagram of the refund prompt page of example, mentions as shown in figure 4, third-party monitoring server issues to refund to the first user account
Wake up, and if alert the first user account and or else actively refund, will be in auto deduction before 12 points of tonight.Loaning bill side user can at this time
With selection " reminding later " or " refunding immediately " in the prompt page.
It optionally, can also include step performed below after initiating loaning bill request to second user account in step S14
It is rapid:
Step S17, response act on the third touch control operation of the second preset control on the 4th page, pop-up the second prompt letter
Breath, wherein the 4th page is the page that the first user account is managed contacts list, and third touch control operation is for determining
Whether second user account is deleted from contacts list, if the second prompt information is for the first user account in the payback period
It does not refund according to borrowing balance to second user account inside, then can not delete second user account.
Above-mentioned 4th page is the page that the first user account is managed contacts list, such as: the connection in wechat
It is list.The first user account to second user account initiate borrow money request before, loaning bill side user can at any time from
Second user account is deleted in contacts list and cancels bipartite friend relation.However, in the first user account to
After two user accounts initiate loaning bill request and second user account is borrowed money with the first user account of intention, if the first user
Account does not repay whole debts to second user account, then second user account can not be deleted from contacts list, until the
One user account finishes the repayment of whole debts.The legitimate rights and interests by the side of loaning bill user are avoided to suffer a loss as a result,.Fig. 5 is root
According to the deletion of a wherein alternative embodiment of the invention by the schematic diagram of loaning bill side's user account prompt page, as shown in figure 5, above-mentioned
Second preset control is " deleting contact person " control, and above-mentioned third touch control operation can include but is not limited to: clicking operation, sliding
Operation, long press operation are pressed in operation again, are used to determine whether to delete second user account from contacts list.In the first user
Account to second user account initiate borrow money request and second user account with the first user account of intention borrow money after, due to
First user account attempts to delete second from contacts list in the case where not repaying whole debts to second user account
Therefore user account pops up the second prompt information, if to prompt the first user account within the payback period not according to gold of borrowing money
Volume is refunded to second user account, then can not delete second user account.
Another loaning bill processing method run in the instant messaging of above-mentioned mobile terminal is provided in the present embodiment,
This method is applied to by loaning bill side's user account, and Fig. 6 is according to the present invention wherein in another instant messaging of an embodiment
The flow chart of loaning bill processing method, as shown in fig. 6, this method comprises the following steps:
Step S62, pops up prompt information in first page, wherein first page is that the first user account and second are used
Family account carries out the page of instant messaging, and prompt information is asked for prompting the first user account to initiate to borrow money to second user account
It asks, the information carried in request of borrowing money includes at least: borrowing balance；
Step S64, response act on the first touch control operation of the first preset control in prompt information, show the third page,
Wherein, the third page is the page that second user account confirms request of borrowing money to the first user account；
Step S66, response acts on the second touch control operation of the second preset control in the third page, to the first user account
Return to loaning bill success response, wherein the second preset control is borrowed money for being confirmed whether to the first user account, loaning bill success response
The information of middle carrying includes at least: repayment amount.
Through the above steps, can be using prompt information be popped up in first page, the prompt information is for prompting first
User account initiates request of borrowing money to second user account, and the information carried in request of borrowing money includes at least borrowing balance, and
Response acts on the first touch control operation of the first preset control in prompt information, shows that the third page, the third page are second
User account confirms the mode of the page for request of borrowing money to the first user account, and it is pre- to act in the third page second by response
If the second touch control operation of control, loaning bill success response is returned to the first user account, which is for confirming
No to borrow money to the first user account, the information carried in loaning bill success response includes at least repayment amount, has reached in Instant Messenger
Loaning bill function is increased during letter on the basis of subsidiary function of transferring accounts newly, by loaning bill side's user account to by loaning bill side's user account
The mode of request of initiating to borrow money distinguishes the side's of loaninging bill user identity and by the purpose of loaning bill side's user identity, to realize to borrowing
Money side user effectively refund and reminds and supervise, and ensures the technology that do not encroached on by the legitimate rights and interests of loaning bill side user conscientiously
Effect, and then solve after using the functions such as transfer accounts fund flow occurs for the relevant technologies in instant communication process, it can not be effective
Ground identifies the technical issues of loaning bill side's user identity is with by loaning bill side's user identity.
Above-mentioned first user account can be loaning bill side's user account, and above-mentioned second user account can be to be used by loaning bill side
Family account.Above-mentioned first page can be the first user account and second user account carries out the page of instant messaging, such as: it is micro-
Believe Chat page.The above-mentioned third page is the page that second user account confirms request of borrowing money to the first user account.Above-mentioned
One touch control operation can include but is not limited to: clicking operation, slide press operation (i.e. between touching medium and display screen again
Pressing dynamics be greater than preset threshold), (contact duration i.e. between touching medium and display screen is greater than default threshold to long press operation
Value), as long as can satisfy the demand for request of initiating to borrow money.Similarly, above-mentioned second touch control operation equally may include but not
Be limited to: clicking operation, presses operation, long press operation at slide again.
Fig. 7 be according to the present invention wherein an alternative embodiment receive borrow money request prompt page schematic diagram, such as Fig. 7 institute
Show, after the first user account initiates loaning bill request to second user account, second user account is in above-mentioned wechat chat page
Prompt information is popped up in face.Such as: good friend XXX wants to borrow money to you 100 yuan, if agrees to request of borrowing money.If used by loaning bill side
"No" is clicked at family in prompt information, then second user account can return to loaning bill failure response to the first user account.If by
Loaning bill side user clicks "Yes" (being equivalent to above-mentioned first preset control) in prompt information, then second user account can be to first
User account returns to loaning bill success response.
Fig. 8 is the schematic diagram of the confirmation debit operation page of a wherein alternative embodiment according to the present invention, as shown in figure 8,
The above-mentioned third page is the page that second user account confirms request of borrowing money to the first user account.May include in the page
Borrowing balance control, payback period control and confirmation control.Borrowing balance control is for confirming borrowing balance, third party's management
Server can be that the first user account distributes the borrowing balance upper limit (such as: 5000 yuan of RMB) according to user credit degree.It should
Borrowing balance in borrowing balance control is usually filled in by loaning bill side user.There certainly exist part special circumstances, such as: it borrows money
Square user unfortunately suffers from weight disease, and crowd is needed to raise medical expense, and loaning bill side user wishes to borrow money to by loaning bill side user originally at this time
3000 yuan, still, wished to provide bigger help to loaning bill side user by loaning bill side user.At this point, can be with by loaning bill side user
5000 yuan of loaning bill is increased to by borrowing money 3000 yuan.Payback period control is can selected control.Refund date in the control both can be with
It is set by loaning bill side's user account, it can also be by being set by loaning bill side's user account.But final decision belong to by
Loaning bill side's user account.That is, during the first user account initiates to borrow money request to second user account, loaning bill side user
It can draft in advance a refund date, such as: on August 5th, 2019.Certainly, in the first user account to second user account
During initiating loaning bill request, loaning bill side user, which can be omitted, fills in the date of refunding, and the date of refunding at this time is void item.
After one user account initiates loaning bill request to second user account, if being agreed to the loaning bill of loaning bill side user by loaning bill side user
Request then also needs to further determine that whether the refund date is void item by loaning bill side user.When the date of refunding is void item,
It is needed to arrange a refund date by loaning bill side user, such as: on August 5th, 2019.When the date of refunding is not void item,
The refund date that modification loaning bill side user drafts is necessary to determine whether by loaning bill side user.If being needed to modify by loaning bill side user
The refund date that loaning bill side user drafts, then can the side of loaning bill user in advance the refund date.Such as: it was mentioned from August 5th, 2019
On July 5th, preceding 1.If by loaning bill side user, it is not necessary to modify the refund date that loaning bill side user drafts, the side's of loaning bill use
It is refunded in accordance with the refund date drafted at family.Confirmation control (being equivalent to above-mentioned second preset control) is used to determine whether
Agree to request of borrowing money.
Optionally, the information carried in loaning bill success response further include: the payback period shows the third page in step S64
Later, can also include step performed below:
Step S67, response act on the third touch control operation of third preset control in the third page, determine the payback period,
Wherein, third preset control is for being arranged the payback period.
In one alternate embodiment, the above-mentioned payback period not only in the request loaning bill page for the side of loaninging bill user for can
Option, and for may be option by loaning bill side user in the page of confirmation loaning bill request.That is, by loaning bill side user
Based on to loaning bill side user confidence level and friend relation degree can choose completely abandon setting the payback period, loaning bill side
User can be when having the ability to repay again to by the user's cash payment on account of loaning bill side.Certainly, loaning bill side user with borrowed money
In the case that square user both sides do not set the payback period, third-party monitoring server can set repayment period using system default
Limit is reminded and is supervised to loaning bill side user.As an optional example, third-party monitoring server can be according to loaning bill side
The borrowing balance of user carrys out the payback period of preset step type.Such as: if the borrowing balance of loaning bill side user is less than or equal to
500 yuan, the third-party monitoring server preset payback period is 1 month；If the borrowing balance of loaning bill side user is greater than 500 yuan
And it is less than or equal to 1000 yuan, the third-party monitoring server preset payback period is 3 months；And so on, it is no longer superfluous herein
It states.
Optionally, can also include step performed below after showing the third page in step S64:
Step S68, response act on the 4th touch control operation of the 4th preset control in additional function in the third page, display
4th page, wherein the 4th preset control for triggering safety guarantee process, the 4th page be the first user account it is powerless to
In the case that second user account is refunded, the page of Claims Resolution request is initiated by second user account.
If loaning bill side user opposite direction within the payback period by the user's cash payment on account of loaning bill side holds passive attitude, or even deposits
Maliciously refusing to by the user's cash payment on account of loaning bill side.Then third-party monitoring server can also pop up first in first page
Prompt information.The first prompt information, which is applied not only to issue last refund to the first user account, at this time reminds, but also for
First user account issues alarm, that is, can be from the correspondent bank of the first user account if the first user account refuses to refund
Auto deduction in account or guarantee user account, and do not support installment reimbursement.
However, the first user account linking a bank account and assuring if expired in the payback period of above-mentioned setting
User account does not have repaying ability, then in order to avoid being suffered a loss by the legitimate rights and interests of loaning bill side user, is used by loaning bill side
It family can be by default to the in additional function in the third page (include: safety guarantee function, check loaning bill detailed functions) the 4th
Control (i.e. safety guarantee function control) executes the 4th touch control operation to initiate safety guarantee process.Above-mentioned 4th touch control operation is same
Sample can include but is not limited to: clicking operation, presses operation, long press operation at slide again.
Fig. 9 is the schematic diagram of the initiation Claims Resolution request page of a wherein alternative embodiment according to the present invention, as shown in figure 9,
By loaning bill side user by executing clicking operation to safety guarantee function control, it will triggering safety guarantee process.Triggering peace
All risk insurance hinders process and is similar to settlement of insurance claim process, can be by third-party monitoring server borrowing on behalf of the side of paying off a loan user in advance
Money, then again to the user's recovery of loaning bill side.If the amount owed of loaning bill side user is huge and refuses to repay, third-party monitoring
Server triggers alarm flow or on behalf of lawsuit process is initiated, to notify public security organ, judicial authority in time to borrowing in time
Money side user is disciplined as a warning and is punished, while can also be recorded on national network reference record platform to discreditable behavior
And publicity.
Through the above description of the embodiments, those skilled in the art can be understood that according to above-mentioned implementation
The method of example can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but it is very much
In the case of the former be more preferably embodiment.Based on this understanding, technical solution of the present invention is substantially in other words to existing
The part that technology contributes can be embodied in the form of software products, which is stored in a storage
In medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, calculate
Machine, server or network equipment etc.) execute method described in each embodiment of the present invention.
The loaning bill processing unit in a kind of instant messaging is additionally provided in the present embodiment, and the device is for realizing above-mentioned reality
Example and preferred embodiment are applied, the descriptions that have already been made will not be repeated.As used below, term " module " may be implemented
The combination of the software and/or hardware of predetermined function.Although device described in following embodiment is preferably realized with software,
The realization for being the combination of hardware or software and hardware is also that may and be contemplated.
Figure 10 is the wherein structural block diagram of the loaning bill processing unit in the instant messaging of an embodiment according to the present invention, is such as schemed
Shown in 10, which includes: display module 10, increases the first of control in first page in additional function newly for responding to act on
Touch control operation shows second page, wherein first page is that the first user account and second user account carry out instant messaging
The page, newly-increased control are that the first user account is asked to second user account submission loaning bill for triggering loaning bill process, second page
The page asked；Request module 20, for responding the second touch control operation for acting on the first preset control in second page, to second
User account initiates request of borrowing money, wherein the first preset control is used to determine whether to initiate request of borrowing money, carry in request of borrowing money
Information include at least: borrowing balance.
Optionally, Figure 11 is the wherein knot of the loaning bill processing unit in the instant messaging of an alternative embodiment according to the present invention
Structure block diagram, as shown in figure 11, the device is in addition to including all modules shown in Fig. 10, above-mentioned apparatus further include: receiving module 30,
For receiving the loaning bill success response of second user account return, wherein the information carried in loaning bill success response includes at least:
Payback period.
Optionally, as shown in figure 11, above-mentioned apparatus further include: the first cue module 40, for being popped up in first page
First prompt information, wherein the first prompt information for prompt the first user account within the payback period according to borrowing balance to
Second user account is refunded.
Optionally, if the first prompt information is also used to prompt the first user account within the payback period not according to gold of borrowing money
Volume is refunded to second user account, then links a bank account or assure auto deduction in user account from the first user account.
Optionally, as shown in figure 11, above-mentioned apparatus further include: the second cue module 50 acts on page four for responding
The third touch control operation of second preset control on face pops up the second prompt information, wherein the 4th page is the first user account pair
The page that contacts list is managed, third touch control operation are used to determine whether to delete second user account from contacts list
Family, if the second prompt information for the first user account within the payback period not according to borrowing balance to second user account also
Money can not then delete second user account.
The loaning bill processing unit in another instant messaging is additionally provided in the present embodiment, and the device is for realizing above-mentioned
Embodiment and preferred embodiment, the descriptions that have already been made will not be repeated.As used below, term " module " can be real
The combination of the software and/or hardware of existing predetermined function.Although device described in following embodiment is preferably realized with software,
But the realization of the combination of hardware or software and hardware is also that may and be contemplated.
Figure 12 is wherein structural frames of the loaning bill processing unit in another instant messaging of an embodiment according to the present invention
Figure, as shown in figure 12, which includes: cue module 60, for popping up prompt information in first page, wherein first page
Face is the page that the first user account and second user account carry out instant messaging, and prompt information is for prompting the first user account
Request of borrowing money is initiated to second user account, the information carried in request of borrowing money includes at least: borrowing balance；Display module 70,
For responding the first touch control operation for acting on the first preset control in prompt information, the third page is shown, wherein the third page
The page for request of borrowing money is confirmed to the first user account for second user account；Processing module 80 acts on third for responding
Second touch control operation of the second preset control in the page returns to loaning bill success response to the first user account, wherein second is default
Control is borrowed money for being confirmed whether to the first user account, and the information carried in loaning bill success response includes at least: repayment amount.
Optionally, the information carried in loaning bill success response further include: payback period, optionally, Figure 13 are according to this hair
The structural block diagram of loaning bill processing unit in another instant messaging of a bright wherein alternative embodiment, as shown in figure 13, the dress
It sets in addition to including all modules shown in Figure 12, above-mentioned apparatus further include: determining module 90 acts on the third page for responding
The third touch control operation of middle third preset control, determines the payback period, wherein third preset control is for being arranged the payback period.
Optionally, display module 70, are also used to respond and act in the third page the 4th preset control in additional function
4th touch control operation shows the 4th page, wherein the 4th preset control for triggering safety guarantee process, the 4th page be
In the case where the powerless refund to second user account of first user account, the page of Claims Resolution request is initiated by second user account.
It should be noted that above-mentioned modules can be realized by software or hardware, for the latter, Ke Yitong
Following manner realization is crossed, but not limited to this: above-mentioned module is respectively positioned in same processor；Alternatively, above-mentioned modules are with any
Combined form is located in different processors.
The embodiments of the present invention also provide a kind of storage medium, computer program is stored in the storage medium, wherein
The computer program is arranged to execute the step in any of the above-described embodiment of the method when operation.
Optionally, in the present embodiment, above-mentioned storage medium can be set to store by executing based on following steps
Calculation machine program:
S1, response act in first page the first touch control operation for increasing control in additional function newly, show second page,
Wherein, first page is the page that the first user account and second user account carry out instant messaging, and newly-increased control is for triggering
Loaning bill process, second page are the page that the first user account submits request of borrowing money to second user account；
S2, response act on the second touch control operation of the first preset control in second page, initiate to second user account
It borrows money and requests, wherein the first preset control is used to determine whether to initiate to borrow money to request, and the information carried in requesting of borrowing money at least is wrapped
It includes: borrowing balance.
Optionally, storage medium is also configured to store the computer program for executing following steps:
S1 pops up prompt information in first page, wherein first page is the first user account and second user account
The page of instant messaging is carried out, prompt information is borrowed for prompting the first user account to initiate request of borrowing money to second user account
The information carried in money request includes at least: borrowing balance；
S2, response act on the first touch control operation of the first preset control in prompt information, show the third page, wherein
The third page is the page that second user account confirms request of borrowing money to the first user account；
S3, response act on the second touch control operation of the second preset control in the third page, return to the first user account
Loaning bill success response, wherein the second preset control is borrowed money for being confirmed whether to the first user account, is taken in loaning bill success response
The information of band includes at least: repayment amount.
Optionally, in the present embodiment, above-mentioned storage medium can include but is not limited to: USB flash disk, read-only memory (Read-
Only Memory, referred to as ROM), it is random access memory (Random Access Memory, referred to as RAM), mobile hard
The various media that can store computer program such as disk, magnetic or disk.
The embodiments of the present invention also provide a kind of electronic device, including memory and processor, stored in the memory
There is computer program, which is arranged to run computer program to execute the step in any of the above-described embodiment of the method
Suddenly.
Optionally, above-mentioned electronic device can also include transmission device and input-output equipment, wherein the transmission device
It is connected with above-mentioned processor, which connects with above-mentioned processor.
Optionally, in the present embodiment, above-mentioned processor can be set to execute following steps by computer program:
S1, response act in first page the first touch control operation for increasing control in additional function newly, show second page,
Wherein, first page is the page that the first user account and second user account carry out instant messaging, and newly-increased control is for triggering
Loaning bill process, second page are the page that the first user account submits request of borrowing money to second user account；
S2, response act on the second touch control operation of the first preset control in second page, initiate to second user account
It borrows money and requests, wherein the first preset control is used to determine whether to initiate to borrow money to request, and the information carried in requesting of borrowing money at least is wrapped
It includes: borrowing balance.
Optionally, in the present embodiment, above-mentioned processor may be also configured to execute following step by computer program
It is rapid:
S1 pops up prompt information in first page, wherein first page is the first user account and second user account
The page of instant messaging is carried out, prompt information is borrowed for prompting the first user account to initiate request of borrowing money to second user account
The information carried in money request includes at least: borrowing balance；
S2, response act on the first touch control operation of the first preset control in prompt information, show the third page, wherein
The third page is the page that second user account confirms request of borrowing money to the first user account；
S3, response act on the second touch control operation of the second preset control in the third page, return to the first user account
Loaning bill success response, wherein the second preset control is borrowed money for being confirmed whether to the first user account, is taken in loaning bill success response
The information of band includes at least: repayment amount.
Optionally, the specific example in the present embodiment can be with reference to described in above-described embodiment and optional embodiment
Example, details are not described herein for the present embodiment.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
In the above embodiment of the invention, it all emphasizes particularly on different fields to the description of each embodiment, does not have in some embodiment
The part of detailed description, reference can be made to the related descriptions of other embodiments.
In several embodiments provided herein, it should be understood that disclosed technology contents can pass through others
Mode is realized.Wherein, the apparatus embodiments described above are merely exemplary, such as the division of the unit, Ke Yiwei
A kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or components can combine or
Person is desirably integrated into another system, or some features can be ignored or not executed.Another point, shown or discussed is mutual
Between coupling, direct-coupling or communication connection can be through some interfaces, the INDIRECT COUPLING or communication link of unit or module
It connects, can be electrical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
On unit.It can some or all of the units may be selected to achieve the purpose of the solution of this embodiment according to the actual needs.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can for personal computer, server or network equipment etc.) execute each embodiment the method for the present invention whole or
Part steps.And storage medium above-mentioned includes: that USB flash disk, read-only memory (ROM, Read-Only Memory), arbitrary access are deposited
Reservoir (RAM, Random Access Memory), mobile hard disk, magnetic or disk etc. be various to can store program code
Medium.
The above is only a preferred embodiment of the present invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (13)
1. the loaning bill processing method in a kind of instant messaging characterized by comprising
Response acts in first page the first touch control operation for increasing control in additional function newly, shows second page, wherein institute
Stating first page is the page that the first user account and second user account carry out instant messaging, and the newly-increased control is for triggering
Loaning bill process, the second page are the page that first user account submits request of borrowing money to the second user account；
Response acts on the second touch control operation of the first preset control in the second page, and Xiang Suoshu second user account is initiated
It borrows money and requests, wherein first preset control is used to determine whether to initiate the loaning bill request, carry in the loaning bill request
Information include at least: borrowing balance.
2. the method according to claim 1, wherein initiating the loaning bill request to the second user account
Later, further includes:
Receive the loaning bill success response that the second user account returns, wherein the information carried in the loaning bill success response
It includes at least: the payback period.
3. according to the method described in claim 2, it is characterized in that, initiating the loaning bill request to the second user account
Later, further includes:
The first prompt information is popped up in the first page, wherein first prompt information is used for prompting described first
Family account is refunded according to the borrowing balance to the second user account within the payback period.
4. according to the method described in claim 3, it is characterized in that, if first prompt information is also used to prompt described the
One user account is not refunded according to the borrowing balance to the second user account within the payback period, then from described
One user account links a bank account or assures auto deduction in user account.
5. the method according to claim 1, wherein initiating the loaning bill request to the second user account
Later, further includes:
Response acts on the third touch control operation of the second preset control on the 4th page, pops up the second prompt information, wherein described
4th page is the page that first user account is managed contacts list, and the third touch control operation is for determining
Whether the second user account is deleted from the contacts list, if second prompt information is used for described first
Family account is not refunded according to the borrowing balance to the second user account within the payback period, then can not delete described second
User account.
6. the loaning bill processing method in a kind of instant messaging characterized by comprising
Prompt information is popped up in first page, wherein the first page be the first user account and second user account into
The page of row instant messaging, the prompt information are requested for prompting the first user account to initiate to borrow money to second user account,
The information carried in the request of borrowing money includes at least: borrowing balance；
Response acts on the first touch control operation of the first preset control in the prompt information, shows the third page, wherein described
The third page is the page that the second user account confirms request of borrowing money to first user account；
Response acts on the second touch control operation of the second preset control in the third page, and the first user account of Xiang Suoshu returns
Loaning bill success response, wherein second preset control is borrowed money for being confirmed whether to first user account, the loaning bill
The information carried in success response includes at least: repayment amount.
7. according to the method described in claim 6, it is characterized in that, the information carried in the loaning bill success response further include:
Payback period, after showing the third page, further includes:
Response acts on the third touch control operation of third preset control in the third page, determines the payback period, wherein
The third preset control is for being arranged the payback period.
8. according to the method described in claim 6, it is characterized in that, after showing the third page, further includes:
Response acts on the 4th touch control operation of the 4th preset control in additional function in the third page, shows the 4th page,
In, the 4th preset control is powerless in first user account for triggering safety guarantee process, the 4th page
In the case where refunding to the second user account, the page of Claims Resolution request is initiated by the second user account.
9. the loaning bill processing unit in a kind of instant messaging characterized by comprising
Display module acts in first page in additional function the first touch control operation for increasing control newly for responding, display the
Two pages, wherein the first page is the page that the first user account and second user account carry out instant messaging, described new
Increasing control for triggering loaning bill process, the second page is that first user account is borrowed to second user account submission
The page of money request；
Request module, for responding the second touch control operation for acting on the first preset control in the second page, Xiang Suoshu
Two user accounts initiate request of borrowing money, wherein first preset control is used to determine whether to initiate the loaning bill request, described
The information carried in requesting of borrowing money includes at least: borrowing balance.
10. the loaning bill processing unit in a kind of instant messaging characterized by comprising
Cue module, for popping up prompt information in first page, wherein the first page is the first user account and the
Two user accounts carry out the page of instant messaging, and the prompt information is for prompting the first user account to send out to second user account
Request of borrowing money is acted, the information carried in the request of borrowing money includes at least: borrowing balance；
Display module shows third for responding the first touch control operation for acting on the first preset control in the prompt information
The page, wherein the third page is the page that the second user account confirms request of borrowing money to first user account；
Processing module, for responding the second touch control operation for acting on the second preset control in the third page, Xiang Suoshu
One user account returns to loaning bill success response, wherein second preset control is for being confirmed whether to the first user account
Family is borrowed money, and the information carried in the loaning bill success response includes at least: repayment amount.
11. a kind of storage medium, which is characterized in that be stored with computer program in the storage medium, wherein the computer
Program is arranged to execute the loaning bill processing method in instant messaging described in any one of claim 1 to 5 when operation
Or the loaning bill processing method in instant messaging described in any one of claim 6 to 8.
12. a kind of processor, which is characterized in that the processor is for running program, wherein described program executes institute when running
State any one of loaning bill processing method or the claim 6 to 8 in instant messaging described in any one of claims 1 to 5
Loaning bill processing method in the instant messaging.
13. a kind of electronic device, including memory and processor, which is characterized in that be stored with computer journey in the memory
Sequence, the processor are arranged to run the loaning bill processing side in instant messaging described in any one of claim 1 to 5
Loaning bill processing method in instant messaging described in any one of method or claim 6 to 8.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910769967.9A CN110490566A (en) | 2019-08-20 | 2019-08-20 | Loaning bill processing method, device, processor and electronic device in instant messaging |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910769967.9A CN110490566A (en) | 2019-08-20 | 2019-08-20 | Loaning bill processing method, device, processor and electronic device in instant messaging |
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