CN112365258A - Binding method and device of electronic money account and electronic equipment - Google Patents
Binding method and device of electronic money account and electronic equipment Download PDFInfo
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- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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Abstract
According to the method and the device for binding the electronic money account and the electronic equipment, when a user needs to bind the electronic money sub-account with a target account, only an account binding request needs to be sent to a target server, the target server can determine at least one electronic money sub-account according to target identity information in the account binding request, and the user can select the electronic money sub-account identification needing to be bound at one time and input a target binding card verification code. And when the target card binding verification code input by the user is the correct card binding verification code, the selected electronic money sub-account to be bound indicated by the electronic money sub-account identifier can be bound with the target account. That is, the binding of the plurality of electronic money sub-accounts and the target account can be completed at one time, so that the binding efficiency of the electronic money sub-accounts and the target account is increased.
Description
Technical Field
The present disclosure relates to the field of internet technologies, and in particular, to an electronic money account binding method and apparatus, and an electronic device.
Background
With the development of science and technology, the income level and the consumption level of people are gradually improved. In the process of consumption, people can use the payment application installed on the portable terminal device to complete payment, and the payment system completed by the payment application can be called as a quick payment system.
In the fast payment system of the prior art, a user needs to bind a bank wallet for payment in a payment application in advance so that the user can realize payment through the payment application.
Disclosure of Invention
This disclosure is provided to introduce concepts in a simplified form that are further described below in the detailed description. This disclosure is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.
The embodiment of the disclosure provides a method and a device for binding an electronic money account and electronic equipment, so that a user can bind a plurality of electronic money sub-accounts with a target account at one time, the efficiency of binding the electronic money sub-accounts with the target account is improved, and the use experience of the user in the account binding process can be improved.
In a first aspect, an embodiment of the present disclosure provides a method for binding an electronic money account, including: generating and sending an account binding request to a target server, wherein the account binding request comprises a target identity, and the account binding request is used for requesting to acquire at least one electronic money sub-account corresponding to the target identity; receiving and displaying the at least one electronic money sub-account identifier, wherein the electronic money sub-account identifier is used for indicating an electronic money sub-account; determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money, and displaying prompt information for prompting a user to input a binding verification code; generating binding card verification information based on a target binding card verification code input by a user, and sending the binding card verification information and the to-be-bound electronic money sub-account identifier to the target server, wherein the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding card verification information.
In a second aspect, an embodiment of the present disclosure provides an apparatus for binding an electronic money account, including: the generation and sending unit is used for generating and sending an account binding request to a target server, wherein the account binding request comprises a target identity, and the account binding request is used for requesting to acquire at least one electronic money sub-account corresponding to the target identity; the display unit is used for receiving and displaying the at least one electronic money sub-account identifier, wherein the electronic money sub-account identifier is used for indicating an electronic money sub-account; the determining unit is used for determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money and displaying prompt information for prompting a user to input a binding card verification code; and the sending unit is used for generating binding card verification information based on a target binding card verification code input by a user and sending the binding card verification information and the to-be-bound electronic money sub-account identifier to the target server, wherein the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding card verification information.
In a third aspect, an embodiment of the present disclosure provides an electronic device, including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the account binding method as described above in the first aspect.
In a fourth aspect, the disclosed embodiments provide a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the steps of the account binding method as described above in the first aspect.
According to the account binding method and device and the electronic equipment provided by the embodiment of the disclosure, when a user needs to bind the electronic money sub-account with the target account, only the account binding request needs to be sent to the target server, the target server can determine at least one electronic money sub-account according to the target identity information in the account binding request, and the user can select the electronic money sub-account identification needing to be bound at one time and input the target binding card verification code. And when the target card binding verification code input by the user is the correct card binding verification code, the selected electronic money sub-account to be bound indicated by the electronic money sub-account identifier can be bound with the target account. That is, the binding of the plurality of electronic money sub-accounts and the target account can be completed at one time, so that the binding efficiency of the electronic money sub-accounts and the target account is increased.
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The above and other features, advantages and aspects of various embodiments of the present disclosure will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.
FIG. 1 is a flow diagram of one embodiment of a method of binding an electronic money account according to the present disclosure;
FIG. 2 is a schematic illustration of a presentation interface of one embodiment of a binding method for an electronic money account according to the present disclosure;
FIG. 3 is a schematic illustration of a presentation interface of another embodiment of a binding method for an electronic money account according to the present disclosure;
FIG. 4 is a schematic illustration of a presentation interface of yet another embodiment of a binding method for an electronic money account according to the present disclosure;
FIG. 5 is a flow chart of another embodiment of a binding method of an electronic money account according to the present disclosure
FIG. 6 is a schematic diagram of the structure of one embodiment of a binding apparatus for an electronic money account according to the present disclosure;
FIG. 7 is an exemplary system architecture to which the binding method of electronic money accounts of one embodiment of the present disclosure may be applied;
fig. 8 is a schematic diagram of a basic structure of an electronic device provided according to an embodiment of the present disclosure.
Detailed Description
Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present disclosure are shown in the drawings, it is to be understood that the present disclosure may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the disclosure are for illustration purposes only and are not intended to limit the scope of the disclosure.
It should be understood that the various steps recited in the method embodiments of the present disclosure may be performed in a different order, and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the present disclosure is not limited in this respect.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the present disclosure are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in this disclosure are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that "one or more" may be used unless the context clearly dictates otherwise.
The names of messages or information exchanged between devices in the embodiments of the present disclosure are for illustrative purposes only, and are not intended to limit the scope of the messages or information.
Referring to fig. 1, a flow of one embodiment of a binding method of an electronic money account according to the present disclosure is shown. The binding method of the electronic money account can be applied to the terminal equipment. The method for binding the electronic money account as shown in fig. 1 includes the following steps:
Here, the account binding request includes a target identity, and the account binding request is for requesting acquisition of at least one electronic money sub-account corresponding to the target identity.
Here, the target id may be an id specific to a certain user, and a specific certain user may be determined by the target id, and the target id may include one or more of a communication number, an identification number, and the like, as an example.
Here, the electronic money account may be understood as a safe that manages digital money, and the digital money may be understood as an encryption string (the encryption string may include a money amount).
Here, the electronic money sub-account may be understood as a digital money wallet provided by the bank body and expanded based on the bank account. And the electronic money sub-account can provide services of digital money custody, exchange, payment and the like for enterprises and/or individuals.
Here, the target server may be understood as a server for managing the digital money issuance amount, and thus, the target server may correspond to a plurality of bank servers.
And 102, receiving and displaying at least one electronic money sub-account identification.
Here, the electronic money sub-account identification is used to indicate an electronic money sub-account.
In some embodiments, due to the large variety of banks, users may apply for electronic money sub-accounts at some banks, in other words, one user may have multiple electronic money sub-accounts.
In some embodiments, the at least one electronic money sub-account id displayed may be an electronic money sub-account id corresponding to a plurality of electronic money sub-accounts of the user
And 103, determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money, and displaying prompt information for prompting a user to input a binding verification code.
Here, the selecting operation may be set according to a specific application scenario, and for example, the selecting operation may be a click operation or a long-press operation for the electronic money sub-account identifier.
Here, the binding verification code may be used to verify whether a binding operation is being performed for a specific user, which may be understood as a registrant of the electronic money sub-account as an example.
As an example, the electronic money sub-account identifiers of different banks may be different, and therefore, the user may determine the electronic money sub-account to be bound according to the displayed identifiers.
And 104, generating binding card verification information based on the target binding card verification code input by the user, and sending the binding card verification information and the electronic money sub-account identifier to be bound to the target server.
Here, the target service side determines whether to bind the electronic money sub-account to be bound with the target account based on the received electronic money sub-account identification to be bound and the binding card verification information.
Here, after the user inputs the target binding verification code, in order to ensure that the target binding verification code can be securely transmitted to the target server, the target binding verification code may be processed as binding verification information. As an example, the target binding verification code may be subjected to encryption processing to generate binding verification information.
Here, the target server may obtain the target verification code from the card binding verification information, verify the accuracy of the target verification code, and determine whether to bind the electronic money sub-account to be bound with the target account according to the accuracy of the target verification code.
A target account is understood herein to be a digital money wallet provided by a non-banking subject, e.g., a digital money application service in a variety of application scenarios that may be provided for businesses or individuals, such as financial services, e-commerce, and other internet application scenarios. That is, the target account may be understood as an application wallet. As an example, the target account may be managed by a payment application on the terminal device, i.e. the electronic money in the target account may be consumed by the payment application.
It can be seen that, in the embodiment of the present disclosure, when a user needs to bind an electronic money sub-account with a target account, only an account binding request needs to be sent to a target server, and the target server can determine at least one electronic money sub-account according to target identity information in the account binding request, and the user can select an electronic money sub-account identifier that needs to be bound and input a target binding card verification code at one time. And when the target card binding verification code input by the user is the correct card binding verification code, the selected electronic money sub-account to be bound indicated by the electronic money sub-account identifier can be bound with the target account. That is, the binding of the plurality of electronic money sub-accounts and the target account can be completed at one time, so that the binding efficiency of the electronic money sub-accounts and the target account is increased.
In some embodiments, the user may also log into the payment application using the identity to complete the binding of the target account with the identity. The identity here may be a target identity, or other identities that can represent the identity of the user, and is not limited herein, and only needs to be selected reasonably according to actual situations. The payment application can be pre-installed on the terminal device, and when the user needs to send an account binding request, the first control on the payment application can be triggered. At this time, the payment application may obtain an identity input when the user logs in the payment application (in this case, the identity input when the user logs in the payment application may be applied to be a target identity), and may generate a corresponding account binding request based on the target identity.
Of course, in some implementation manners, the user may also trigger the first control on the payment application, at this time, information for prompting the user to input the identity is displayed on the display interface, and at this time, after the user inputs the identity at the corresponding position, the payment application may generate the account binding request according to the input identity. As shown in fig. 2, fig. 2 is a view showing an interface (an interface of a payment application) of a terminal device after a user triggers a first control on the payment application, where the user may input a corresponding identity on the interface and click a confirmation button, and at this time, the payment application may generate an account binding request according to the input identity.
In some embodiments, the user may store some of his own properties in a bank, which may be of many types, and thus, the user may store some of his own properties in different banking institutions. When a user needs to use digital money for a transaction, it is necessary to exchange the property stored in the banking institution with the digital money first. And the target server may be understood as a server for managing the digital money issuance amount, and thus the target server may correspond to a plurality of bank servers.
In some embodiments, the bank server may be used to manage electronic money sub-accounts, e.g., bank server a, may be used to manage class a electronic money sub-accounts. Since the target server manages the issuance of digital money and the target server corresponds to a plurality of bank servers, if the user has an electronic money sub-account for the same user, the user has an electronic money account (electronic money main account) maintained by the target server.
In some embodiments, the target server is configured to search for a target electronic money primary account based on the target identity, and determine at least one electronic money sub-account according to the target electronic money primary account.
Here, the target server includes a correspondence between the identification and an electronic money primary account, and the electronic money primary account corresponds to the electronic money sub-account.
Here, the target id may be used to log in to the electronic money primary account.
In some embodiments, it may be understood that the digital currency in the parent e-money wallet is equal to the sum of the digital currency in each child e-money wallet. In other words, when the user registers and opens the electronic money sub-account of a certain type of bank, the registered electronic money sub-account needs to be bound with the electronic money mother account managed by the target server, so that the digital money can be exchanged. Therefore, the corresponding relation between the electronic money primary account and the electronic money sub-account can be stored in the target server.
And when the target identity is the identity capable of logging in the electronic money primary account, the target server side can inquire out the electronic money sub-account corresponding to the target electronic money primary account and return the inquired out electronic money sub-account to the terminal equipment for displaying.
In some embodiments, the interface diagram showing the at least one electronic money sub-account identifier on the payment application may be as shown in fig. 3, where the user may perform a selection operation on part and/or all of the first type account identifiers of the at least one electronic money sub-account identifier, and the selection operation may specifically be: click operation, long press operation, etc.
That is, the user may determine the electronic money sub-account to be bound in the at least one electronic money sub-account according to actual needs; for example, 5 electronic money sub-accounts are queried according to the target identity input by the user, but the user only needs to bind part of the electronic money with the target account, and if the user selects only 3 commonly used electronic money sub-accounts, the 3 electronic money sub-accounts selected by the user can be determined as the electronic money sub-accounts to be bound.
In some embodiments, to ensure the property security of the user, the target server may also verify the user identity, for example: the user may be allowed to input a preset password at the time of registering the electronic money primary account.
For example, after the user performs the selecting operation, a prompt message prompting the user to input the binding verification code may be displayed on the display interface of the terminal device, and a screen as shown in fig. 4 may be displayed. Of course, in the specific embodiment, the identity information of the user may also be determined in other ways, for example, the user may also be called to confirm the identity. And when the target server side verifies that the user identity information is correct (namely, the current user is determined to be the holder of the target electronic money primary account), the selected electronic money sub-account can be bound with the target account.
In some embodiments, the target binding verification code is encrypted to obtain binding verification information.
Here, the target server determines to bind the electronic money sub-account to be bound with the target account in response to determining that the target binding card verification code in the verification information is the same as the predefined password of the electronic money primary account.
In some embodiments, the predefined password of the target electronic money account may be understood as a password set when the user applies for the electronic money primary account, that is, may be understood as a payment password of the electronic money primary account required by the user.
In some embodiments, the target binding card verification code input by the user is encrypted and then sent, so that the security of the target binding card verification code in the transmission process can be ensured, and the process of binding the electronic money account can be safer.
In some embodiments, a user-entered target binding verification code may be received by the security component.
Here, the security component may be provided by the target server.
In some embodiments, since the security component is provided by the target server, the security component may directly encrypt the target binding verification code input by the user to obtain binding verification information, and send the binding verification information to the target server. In the process, the target card binding verification code is acquired and encrypted through the security component provided by the target server, so that the security of the user in the process of binding the electronic money account can be further improved.
In some embodiments, prior to the user entering the target binding verification code, security components may be acquired from the target server and enabled in response to determining that the security components are not installed, and enabled in response to determining that the security components are installed.
In some embodiments, the user can enter the target binding verification code only when the security component is already installed and enabled, i.e., it can be understood that: only when the security component is enabled, the presentation interface of the terminal presents an input keypad as shown in fig. 4, and the input keypad is used for the user to input the target binding verification code.
In some embodiments, the electronic money binding method may further include: the specific implementation details of steps 501 to 504, and steps 501, 503 and 504 are described in detail in steps 101, 103 and 104, and are not described herein again for brevity of the description.
Here, the target identity includes a communication number.
Here, the target server may return at least one electronic money sub-account identification in response to determining that the account inquiry code initial verification code is the same.
The target server is used for generating an initial verification code and sending the initial verification code to the terminal device corresponding to the communication number.
In some embodiments, a time threshold may be set for the initial verification code, that is, in response to determining that the received account inquiry code and the initial verification code are the same and that a time interval between the time of receiving the account inquiry code and the time of generating the initial verification code is within a preset time threshold, the target server returns at least one electronic money sub-account identifier. That is, if the account inquiry code input by the user is not received before the preset time threshold, it may be characterized that the initial verification code has a risk of being leaked, and therefore, in order to ensure the property security of the user, the timeliness of the initial verification code may be set.
In some embodiments, after sending the account binding request to the target server, the target server may return an authentication message (including the initial authentication code) to a terminal device corresponding to the communication number (e.g., a communication device, such as a mobile phone, that communicates with the communication number). And because the payment application is installed on the terminal equipment, the user can input the card binding inquiry code on the payment application according to the verification information received by the terminal equipment.
It can be seen that, if the identity (communication number) in the account binding request is incorrect, the terminal device that installs the payment application may not receive the verification information, and thus, the user may not make the input account inquiry code identical to the initial verification code. That is, the security in the process of binding the electronic money account can be further increased by setting a link of allowing the user to input the binding verification code.
In some embodiments, when the target server generates the verification information (the verification information including the initial verification code), the target server further generates a unique identification sequence corresponding to the verification information, where the unique identification sequence may be used to record the generation time of the verification information, and after the target server receives the account inquiry code and compares the account inquiry code with the initial verification code, the unique identification sequence is further used to indicate that the initial verification code is invalidated. That is, the initial verification code can be enabled to be valid only within a preset time through the unique identification sequence, and the initial verification code is disabled after the user inputs the account inquiry code once. Thereby further ensuring the security in the binding process of the electronic money account.
In some embodiments, in response to determining that the sub-electronic money accounts to be bound are bound with the target account, the target server further generates a corresponding payment protocol for each sub-account of the electronic money to be bound, and sends the determined payment protocol to the server corresponding to each selected sub-account of the electronic money to be bound.
Here, the server corresponding to the electronic money sub-account deducts the amount of the electronic money in the electronic money sub-account based on the payment protocol.
In some embodiments, the server corresponding to the electronic money sub-account may be understood as a bank server, and when a corresponding payment protocol exists at each bank server, the user may use the payment application to implement the use of the electronic money in the electronic money sub-account. For example, when a user uses the payment application to pay, the user only needs to send the electronic money sub-account identifier selected in the payment and the electronic money amount to be paid to the target server, and the target server can send the electronic money amount to the bank server corresponding to the electronic money sub-account, and the bank server can deduct the corresponding electronic money amount in the electronic money sub-account according to the payment protocol.
In some embodiments, the target server generates a corresponding payment agreement for the to-be-bound electronic money sub-account only after determining that the selected to-be-bound electronic money sub-account is bound with the target account. In this way, the data processing amount of the target server can be reduced to a certain extent (for example, after some users select the to-be-bound electronic money sub-account, if the input first password is incorrect, the to-be-bound electronic money sub-account and the target account may not be bound, so that a corresponding payment protocol does not need to be generated for the selected to-be-bound electronic money sub-account).
In some embodiments, after the payment protocol is generated, the target server directly sends the generated payment protocol to the corresponding bank server, so that the user only needs to send the electronic money amount to be paid to the target server in the subsequent payment process, and payment can be realized. That is, the user's subsequent payment process is simplified.
In some embodiments, the server corresponding to the electronic money sub-account to be bound and the target server side perform information transmission through a preset server.
In some embodiments, in practical applications, the target server is generally a server for maintaining digital currency, and the target server generally does not establish communication with the payment application, and since socio-economic activities are generally based on a commercial bank account system, the server corresponding to the payment application (target account) is generally a server corresponding to the electronic currency sub-account. That is, the preset server may be understood as a server (bank server) corresponding to the electronic money sub-account. In other words, the bank server may be used for information transfer between the server corresponding to the electronic money sub-account and the target server. In the information transfer mode, direct contact between the target server and the server corresponding to the payment application (target account) does not need to be established, that is, the information transfer between the server corresponding to the payment application (target account) and the target server can be realized without changing the existing information transfer mode (or called a framework).
In some embodiments, the preset server may be reasonably selected according to actual use conditions because of the large number of types of banking institutions, and the preset server is not limited to be the server of a specific bank.
With further reference to fig. 6, as an implementation of the methods shown in the above-mentioned figures, the present disclosure provides an embodiment of an apparatus for binding an electronic money account, where the embodiment of the apparatus corresponds to the embodiment of the account binding method shown in fig. 1, and the apparatus may be applied to various electronic devices.
As shown in fig. 6, the account binding apparatus of the present embodiment includes: a generating and sending unit 601, configured to generate and send an account binding request to a target server, where the account binding request includes a target identity, and the account binding request is used to request to acquire at least one electronic money sub-account corresponding to the target identity; a presentation unit 602, configured to receive and present the at least one electronic money sub-account identifier, where the electronic money sub-account identifier is used to indicate an electronic money sub-account; a determining unit 603, configured to determine, based on a selection operation of the electronic money sub-account identifier, an identifier of the electronic money sub-account to be bound, and to display prompting information for prompting a user to input a card binding verification code; a sending unit 604, configured to generate binding verification information based on a target binding verification code input by a user, and send both the binding verification information and the to-be-bound electronic money sub-account identifier to the target server, where the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding verification information.
In some embodiments, the target server is configured to search a target electronic money primary account based on the target identity, and determine the at least one electronic money sub-account according to the target electronic money primary account; the target server side comprises a corresponding relation between the identity and an electronic money primary account, and the electronic money primary account corresponds to the electronic money sub-account.
In some embodiments, the target id includes a communication number, the apparatus further includes a receiving unit 605 configured to receive an account inquiry code input by a user, and send the account inquiry code to the target server, where the target server returns the at least one electronic money sub-account id in response to determining that the account inquiry code is the same as the initial verification code; the target server is used for generating an initial verification code and sending the initial verification code to the terminal equipment corresponding to the communication number.
In some embodiments, the sending unit 604 is further specifically configured to: and encrypting the target binding card verification code to obtain the binding card verification information, wherein the target server side determines to bind the electronic money sub-account to be bound with the target account in response to determining that the target binding card verification code in the verification information is the same as a preset password of the electronic money primary account.
In some embodiments, the target binding verification code input by the user is received through a security component, wherein the security component is provided by the target server.
In some embodiments, before generating the binding verification information based on the target binding verification code input by the user, the apparatus further includes a security confirmation unit 606 for acquiring the security component from the target server and enabling the security component in response to determining that the security component is not installed; in response to determining that the security component is installed, enabling the security component.
In some embodiments, in response to determining that the electronic money sub-accounts to be bound are bound with the target account, the target server generates a corresponding payment protocol for each electronic money sub-account to be bound, and sends the generated payment protocol to the server corresponding to each electronic money sub-account to be bound.
In some embodiments, the terminal device corresponding to the electronic money sub-account to be bound and the target server side perform information transmission through a preset server.
Referring to fig. 7, fig. 7 illustrates an exemplary system architecture to which the binding method of the electronic money account of one embodiment of the present disclosure may be applied.
As shown in fig. 7, the system architecture may include end devices 701, 702, 703, a network 704, and a server 708. Network 704 may be the medium used to provide communications links between end devices 701, 702, 703 and server 707. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The terminal devices 701, 702, and 703 may be hardware or software. When the terminal devices 701, 702, and 703 are hardware, they may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, e-book readers, MP3 players (Moving Picture Experts Group Audio Layer III, mpeg compression standard Audio Layer 3), MP4 players (Moving Picture Experts Group Audio Layer IV, mpeg compression standard Audio Layer 4), laptop portable computers, desktop computers, and the like. When the terminal devices 701, 702, and 703 are software, they can be installed in the electronic devices listed above. It may be implemented as multiple pieces of software or software modules (e.g., software or software modules used to provide distributed services) or as a single piece of software or software module. And is not particularly limited herein.
The server 707 may be a server providing various services, for example, receive information acquisition requests sent by the terminal devices 701, 702, and 703, and acquire, according to the information acquisition requests, presentation information corresponding to the information acquisition requests in various manners. And the relevant data of the presentation information is sent to the terminal devices 701, 702, 703.
It should be noted that the information processing method provided by the embodiment of the present disclosure may be executed by a terminal device, and accordingly, the account binding apparatus may be disposed in the terminal devices 701, 702, and 703. Furthermore, the information processing method provided by the embodiment of the present disclosure may also be executed by the server 707, and accordingly, an information processing apparatus may be provided in the server 707.
It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to fig. 8, shown is a schematic diagram of an electronic device (e.g., a terminal device or a server of fig. 7) suitable for use in implementing embodiments of the present disclosure. The terminal device in the embodiments of the present disclosure may include, but is not limited to, a mobile terminal such as a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a vehicle terminal (e.g., a car navigation terminal), and the like, and a stationary terminal such as a digital TV, a desktop computer, and the like. The electronic device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 8, the electronic device may include a processing apparatus (e.g., a central processing unit, a graphics processor, etc.) 801 that may perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage apparatus 807 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the electronic apparatus 800 are also stored. The processing apparatus 801, the ROM802, and the RAM 803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.
Generally, the following devices may be connected to the I/O interface 805: input devices 806 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; output devices 807 including, for example, a Liquid Crystal Display (LCD), speakers, vibrators, and the like; storage 808 including, for example, magnetic tape, hard disk, etc.; and a communication device 809. The communication means 809 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. While fig. 8 illustrates an electronic device having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.
In particular, according to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a non-transitory computer readable medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication means 809, or installed from the storage means 808, or installed from the ROM 802. The computer program, when executed by the processing apparatus 801, performs the above-described functions defined in the methods of the embodiments of the present disclosure.
It should be noted that the computer readable medium in the present disclosure can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer readable signal medium may comprise a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network Protocol, such as HTTP (HyperText Transfer Protocol), and may interconnect with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: generating and sending an account binding request to a target server, wherein the account binding request comprises a target identity, and the account binding request is used for requesting to acquire at least one electronic money sub-account corresponding to the target identity; receiving and displaying the at least one electronic money sub-account identifier, wherein the electronic money sub-account identifier is used for indicating an electronic money sub-account; determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money, and displaying prompt information for prompting a user to input a binding verification code; generating binding card verification information based on a target binding card verification code input by a user, and sending the binding card verification information and the to-be-bound electronic money sub-account identifier to the target server, wherein the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding card verification information.
Computer program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present disclosure may be implemented by software or hardware. Where the name of a unit does not in some cases constitute a limitation on the unit itself, for example, the generation transmitting unit 701 may also be described as a "unit that generates and transmits an account binding request".
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.
In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The foregoing description is only exemplary of the preferred embodiments of the disclosure and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents does not depart from the spirit of the disclosure. For example, the above features and (but not limited to) the features disclosed in this disclosure having similar functions are replaced with each other to form the technical solution.
Further, while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
Claims (11)
1. A binding method of an electronic money account is characterized by comprising the following steps:
generating and sending an account binding request to a target server, wherein the account binding request comprises a target identity, and the account binding request is used for requesting to acquire at least one electronic money sub-account corresponding to the target identity;
receiving and displaying the at least one electronic money sub-account identification, wherein the electronic money sub-account identification is used for indicating an electronic money sub-account;
determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money, and displaying prompt information for prompting a user to input a binding verification code;
generating binding card verification information based on a target binding card verification code input by a user, and sending the binding card verification information and the to-be-bound electronic money sub-account identifier to the target server, wherein the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding card verification information.
2. The method according to claim 1, wherein the target server is configured to search a target electronic money primary account based on the target identity, and determine the at least one electronic money sub-account according to the target electronic money primary account;
the target server side comprises a corresponding relation between the identity and an electronic money primary account, and the electronic money primary account corresponds to the electronic money sub-account.
3. The method of claim 2, wherein generating the binding verification information based on the target binding verification code entered by the user comprises:
and encrypting the target binding card verification code to obtain the binding card verification information, wherein the target server side determines to bind the electronic money sub-account to be bound with the target account in response to the fact that the target binding card verification code in the verification information is the same as a preset password of the electronic money primary account.
4. The method of claim 1, wherein the target binding verification code entered by the user is received via a security component, wherein the security component is provided by the target server.
5. The method of claim 4, wherein before the generating of the binding verification information based on the target binding verification code input by the user, the method further comprises:
in response to determining that the security component is not installed, obtaining the security component from the target server and enabling the security component;
in response to determining that the security component is installed, enabling the security component.
6. The method of claim 1, wherein the target identity comprises a communication number, the method further comprising:
receiving an account inquiry code input by a user, and sending the account inquiry code to the target server, wherein the target server returns the at least one electronic money sub-account identifier in response to determining that the account inquiry code is the same as the initial verification code;
the target server is used for generating an initial verification code and sending the initial verification code to the terminal equipment corresponding to the communication number.
7. The method according to claim 1, wherein the target server generates a corresponding payment agreement for each sub-account of the electronic money to be bound in response to determining to bind the sub-accounts of the electronic money to be bound with the target account, and sends the generated payment agreement to the server corresponding to each sub-account of the electronic money to be bound.
8. The method according to claim 1, wherein the terminal device corresponding to the electronic money sub-account to be bound and the target server side perform information transmission through a preset server.
9. An electronic money binding apparatus, comprising:
the generation and sending unit is used for generating and sending an account binding request to a target server, wherein the account binding request comprises a target identity, and the account binding request is used for requesting to acquire at least one electronic money sub-account corresponding to the target identity;
the display unit is used for receiving and displaying the at least one electronic money sub-account identifier, wherein the electronic money sub-account identifier is used for indicating an electronic money sub-account;
the determining unit is used for determining the sub-account identifier of the electronic money to be bound based on the selection operation of the sub-account identifier of the electronic money and displaying prompt information for prompting a user to input a binding card verification code;
the system comprises a sending unit, a target server and a binding server, wherein the sending unit is used for generating binding verification information based on a target binding verification code input by a user, and sending both the binding verification information and the to-be-bound electronic money sub-account identifier to the target server, and the target server determines whether to bind the to-be-bound electronic money sub-account with a target account based on the received to-be-bound electronic money sub-account identifier and the binding verification information.
10. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.
11. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-8.
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