CN112785286A - Quick transfer method and device based on invitation codes - Google Patents
Quick transfer method and device based on invitation codes Download PDFInfo
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- CN112785286A CN112785286A CN202110217129.8A CN202110217129A CN112785286A CN 112785286 A CN112785286 A CN 112785286A CN 202110217129 A CN202110217129 A CN 202110217129A CN 112785286 A CN112785286 A CN 112785286A
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Abstract
The invention provides a quick transfer method and a quick transfer device based on an invitation code, which can be used in the field of finance, wherein the method comprises the following steps: when a mobile phone bank APP of a first user acquires a transfer instruction for inviting others, generating a transfer invitation code according to account information selected by the first user; the transfer invitation code is sent to a second user, wherein the transfer invitation code is analyzed by a mobile phone bank APP of the second user, and transfer is performed according to account information obtained through analysis.
Description
Technical Field
The invention relates to the technical field of online bank card account transfer, in particular to a quick account transfer method and device based on an invitation code.
Background
With the rapid development of internet finance, various rapid payment scenes are emerged. Under the scene of quick payment, the user can easily complete payment only by showing the payment two-dimensional code. However, in the bank card transfer scenario, in order to realize the transfer from the bank card to the bank card, the general interaction process is as follows:
s01, the transfer party inquires the card number of the transfer party, the transfer party sends the card number of the bank card, the name and the like to the transfer party through the instant messaging APP, and the transfer party needs to input the card number and the name once manually.
S02, the transfer party copies the card number, and inputs the card number, name, amount and the like to transfer accounts in the mobile phone bank APP. Here the transferor needs to enter the card number and name once more.
In summary, the existing transfer process needs complicated manual operation, so that the transfer efficiency of the bank card is low, and the user experience is influenced.
Therefore, a technical solution for improving the bank card transfer mode, which can overcome the above problems, is needed.
Disclosure of Invention
In order to solve the defects of the existing transfer mode, the invention provides the quick transfer method and the quick transfer device based on the invitation code, the user does not need to input the card number and the name of the bank card manually, and the input of related transfer elements can be completed by automatically generating the invitation code and analyzing the invitation code, so that the convenience of the transfer operation of the bank card is effectively improved, the user experience degree is improved, and the user stickiness is improved.
In a first aspect of an embodiment of the present invention, a quick transfer method based on an invitation code is provided, where the method includes:
when a mobile phone bank APP of a first user acquires a transfer instruction for inviting others, generating a transfer invitation code according to account information selected by the first user;
and sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is carried out according to the account information obtained through analysis.
Further, when the mobile banking APP of the first user acquires an instruction for inviting others to transfer money, a transfer invitation code is generated according to the account information selected by the first user, and the method further includes:
acquiring login information input by the first user in a mobile phone bank APP, and matching account information corresponding to the login information after login is successful;
when a first user initiates an instruction of inviting others to transfer accounts through a mobile banking APP, account information selected by the first user is generated into a transfer invitation code according to an industry-specified uniform interface.
Further, sending the transfer invitation code to a second user includes:
extracting the transfer invitation codes to a clipboard, and pasting the invitation codes in the clipboard to an instant messaging APP of a first user;
and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
Further, the method further comprises:
after receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
In a second aspect of the embodiments of the present invention, a quick transfer method based on an invitation code is provided, where the method includes:
receiving a transfer invitation code sent by a first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and analyzing the transfer invitation code, and transferring accounts according to the account information obtained by analysis.
Further, the generation mode of the transfer invitation code is as follows:
the method comprises the steps of obtaining login information input by a first user through a mobile banking APP of the first user, matching account information corresponding to the login information after login is successful, and generating a transfer invitation code according to account information selected by the first user and an industry-specified uniform interface according to a transfer instruction for inviting others initiated by the first user.
Further, the transfer invitation code is sent in the following mode:
extracting the transfer invitation code to a clipboard by a first user, and pasting the invitation code in the clipboard to an instant messaging APP of the first user; and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
Further, the transfer invitation code is analyzed, and transfer is performed according to the account information obtained through analysis, wherein the transfer invitation code comprises the following steps:
after receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
In a third aspect of the embodiments of the present invention, a fast transfer apparatus based on an invite code is provided, where the apparatus includes:
the account transfer invitation module is used for generating a transfer invitation code according to account information selected by a first user when a mobile phone bank APP of the first user acquires an instruction for inviting others to transfer accounts;
and the sending module is used for sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is carried out according to the account information obtained through analysis.
In a fourth aspect of the embodiments of the present invention, a fast transfer apparatus based on an invite code is provided, where the apparatus includes:
the receiving module is used for receiving the transfer invitation code sent by the first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and the transfer module is used for analyzing the transfer invitation code and transferring the account according to the account information obtained by analysis.
In a fifth aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the processor implements a quick transfer method based on an invitation code.
In a sixth aspect of embodiments of the present invention, a computer-readable storage medium is provided, which stores a computer program that, when executed by a processor, implements a quick transfer method based on an invitation code.
According to the quick transfer method and device based on the invitation codes, the account information of the transfer party is generated into the transfer invitation codes according to the transfer of the invitation initiated by the transfer party, the transfer invitation codes are acquired by the transfer party and then the account information is obtained through analysis, so that the process that the transfer party and the transfer party manually input the card numbers, names and other information in the transfer process is simplified, the personal card numbers of users are not needed, the convenience of transfer operation of bank cards is effectively improved, the risk of transferring funds by mistake due to manual card number transmission is avoided, and the user experience degree of transfer service is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart illustrating a quick transfer method based on an invitation code according to a first embodiment of the present invention.
Fig. 2 is a flowchart illustrating a quick transfer method based on an invitation code according to a second embodiment of the present invention.
FIG. 3A is a diagram illustrating an invitation code-based short-cut transfer apparatus architecture according to a first embodiment of the present invention.
FIG. 3B is a detailed architecture diagram of the quick transfer device based on the invite code according to the first embodiment of the present invention.
FIG. 4A is a diagram illustrating an invitation code-based short-cut transfer apparatus architecture according to a second embodiment of the present invention.
FIG. 4B is a detailed architecture diagram of a quick transfer device based on an invitation code according to a second embodiment of the present invention.
Fig. 5 is a schematic diagram of the architecture of a bank card short transfer product based on an invitation code according to an embodiment of the invention.
FIG. 6 is a block diagram illustrating an overall architecture of a quick transfer device based on an invite code according to an embodiment of the present invention.
Fig. 7 is a schematic overall flow chart of the quick transfer based on the invite code according to an embodiment of the present invention.
Fig. 8 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, the method and the device for fast transferring the funds based on the invitation codes are provided, the method and the device can be used in the financial field, a user can transfer the funds based on the invitation codes, the operation flow of transferring the funds is simplified by automatically filling the transfer element information, the user does not need to remember the personal card number in the transferring process, the personal card number is automatically extracted and displayed to the user by the APP for selection, and the risk of transferring the funds by mistake due to manual card number transferring is avoided.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flowchart illustrating a quick transfer method based on an invitation code according to a first embodiment of the present invention. As shown in fig. 1, the method includes:
s101, when a mobile banking APP of a first user acquires a transfer instruction for inviting others, generating a transfer invitation code according to account information selected by the first user;
and S102, sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is carried out according to the account information obtained through analysis.
In S101 of this embodiment, the generation process of the transfer invitation code is:
acquiring login information input by the first user in a mobile phone bank APP, and matching account information corresponding to the login information after login is successful;
when a first user initiates an instruction of inviting others to transfer accounts through a mobile banking APP, account information selected by the first user is generated into a transfer invitation code according to an industry-specified uniform interface.
When the account information selected by the first user is generated into a transfer invitation code according to an industry-specified uniform interface, the account information can be edited by adopting a reversible algorithm, and a transfer invitation code identifier is added to generate a transfer invitation code in a form of' name + card number + transfer invitation code identifier, or a password, or a special link; in any form, the transfer invitation code can be identified when the APP of the mobile phone bank of the transfer party receives the transfer invitation code, and key information required by transfer, such as corresponding names, card numbers and the like, is analyzed.
In S102 of this embodiment, the process of sending the transfer invitation code is:
extracting the transfer invitation codes to a clipboard, and pasting the invitation codes in the clipboard to an instant messaging APP of a first user;
and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
In this embodiment, after the instant messaging APP of the second user receives the transfer invitation code, the transfer invitation code is extracted to the shear plate, the information in the shear plate is identified by the mobile banking APP of the second user, when the transfer invitation code is identified, the transfer invitation code is analyzed according to a uniform interface specified by the industry, account information selected by the first user is obtained, the account information is displayed on a transfer interface, and the transfer is completed after the transfer amount input by the second user and a transfer instruction are received.
Referring to fig. 1, after the transfer-in party (first user) successfully logs in to the mobile banking APP, the mobile banking APP may be matched to the user information of the registrant. The transfer party can click the link of 'inviting others to transfer to me' in the card number checking page and initiate an instruction of inviting others to transfer. After the information selection is confirmed, the information such as the card number and the name of the login user is generated into a transfer invitation code according to an industry-agreed unified interface, and the invitation code is written into the clipboard. The transfer-in party pastes the invitation code to the instant messaging APP and sends it to the transfer-out party (second user). The transfer party can quickly fill in the data of the number, the name and the like of the transfer party according to the invitation code, the transfer amount is input by the transfer party, and the transfer transaction is initiated after the information of the transfer party is confirmed to be correct. The transfer transaction process can adopt a conventional transfer process, and related transfer information is interacted through a bank system background communication module, and the transfer-out and transfer-in lines complete fund deduction and deposit in the background.
Fig. 2 is a flowchart illustrating a quick transfer method based on an invitation code according to a second embodiment of the present invention. As shown in fig. 2, the method includes:
s201, receiving a transfer invitation code sent by a first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and S202, analyzing the transfer invitation code, and transferring accounts according to the account information obtained through analysis.
In this embodiment, the generation manner of the transfer invitation code is as follows:
the method comprises the steps of obtaining login information input by a first user through a mobile banking APP of the first user, matching account information corresponding to the login information after login is successful, and generating a transfer invitation code according to account information selected by the first user and an industry-specified uniform interface according to a transfer instruction for inviting others initiated by the first user.
In this embodiment, the transfer invitation code is sent in the following manner:
extracting the transfer invitation code to a clipboard by a first user, and pasting the invitation code in the clipboard to an instant messaging APP of the first user; and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
In S202 of this embodiment, the process of transferring money according to the transfer invitation code is as follows:
after receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
Referring to fig. 2, after the instant messaging APP of the roll-out party receives the invitation code, the invitation code may be copied to the clipboard, and the mobile banking APP is opened. The APP of the mobile banking machine automatically reads data in the clipboard, and identifies whether the data contains a unique identifier of the transfer invitation code. If the transfer invitation code is identified, analyzing data such as a transfer party card number, a name and the like in the invitation code according to an agreed industry uniform interface, and initiating transfer. According to the analyzed data, the card number, name and other data of the transfer-in party are automatically filled into a transfer initiating page, are displayed to the transfer-out party, the transfer amount is input by the transfer-out party, and transfer transaction is initiated after the information of the transfer-in party is confirmed to be correct. The transfer transaction can be implemented by interacting transfer related information through a background communication module of a bank system according to a conventional transfer process, and transferring out and transferring in lines to complete fund deduction and deposit in the background.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Having described the method of the exemplary embodiment of the present invention, the invite code based short cut transfer apparatus of the exemplary embodiment of the present invention will be described with reference to fig. 3A, 3B, 4A and 4B.
The implementation of the quick transfer device based on the invitation codes can be seen in the implementation of the method, and repeated details are omitted. The term "module" or "unit" used hereinafter may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Based on the same inventive concept, the invention also provides a quick transfer device based on the invitation code, as shown in fig. 3A, the device comprises:
the invitation code generation module 310 is used for generating a transfer invitation code according to account information selected by the first user when the mobile banking APP of the first user obtains a transfer instruction for inviting others;
and the sending module 320 is used for sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is performed according to the account information obtained through analysis.
In this embodiment, referring to fig. 3B, the apparatus further includes: the login module 330 is configured to acquire login information input by the first user in the mobile banking APP, and match account information corresponding to the login information after login is successful;
further, the invitation code generating module 310 is specifically configured to: when a first user initiates an instruction of inviting others to transfer accounts through a mobile banking APP, account information selected by the first user is generated into a transfer invitation code according to an industry-specified uniform interface.
In this embodiment, referring to fig. 3B, the apparatus further includes: the invitation code pasting module 340 is used for extracting the transfer invitation codes to the clipboard and pasting the invitation codes in the clipboard to the instant messaging APP of the first user;
further, the sending module 320 is specifically configured to: and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
After receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
Based on the same inventive concept, the invention also provides a quick transfer device based on the invitation code, as shown in fig. 4A, the device comprises:
a receiving module 410, configured to receive a transfer invitation code sent by a first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and the transfer module 420 is used for analyzing the transfer invitation code and transferring the account according to the account information obtained through analysis.
The generation mode of the transfer invitation code is as follows: the method comprises the steps of obtaining login information input by a first user through a mobile banking APP of the first user, matching account information corresponding to the login information after login is successful, and generating a transfer invitation code according to account information selected by the first user and an industry-specified uniform interface according to a transfer instruction for inviting others initiated by the first user.
The transfer invitation code is sent in the following mode: extracting the transfer invitation code to a clipboard by a first user, and pasting the invitation code in the clipboard to an instant messaging APP of the first user; and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
In this embodiment, referring to fig. 4B, the apparatus further includes: the invitation code extracting module 430 is configured to extract the transfer invitation code to the clipboard after the transfer invitation code is received by the instant messaging APP of the second user, and identify information in the clipboard by the mobile banking APP of the second user;
the analysis module 440 is used for analyzing according to a uniform interface specified by the industry when the transfer invitation code is identified to obtain account information selected by the first user, and displaying the account information on the transfer interface;
the transfer module 420 is specifically configured to: and finishing the transfer after receiving the transfer amount input by the second user and confirming the transfer instruction.
It should be noted that although several modules of the invite-code based short-cut transfer device are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
For a clearer explanation of the quick transfer method based on the invitation code, a specific embodiment is described below, however, it should be noted that the embodiment is only for better explaining the present invention and is not to be construed as an undue limitation to the present invention.
Referring to fig. 5, a schematic diagram of an architecture of a bank card fast transfer product based on an invite code according to an embodiment of the present invention is shown. As shown in fig. 5, the method mainly includes: a mobile terminal device 51 of the transferring-in party, an instant messaging APP 52 of the transferring-in party, a mobile banking APP 53 of the transferring-in party, a mobile terminal device 54 of the transferring-out party, an instant messaging APP 55 of the transferring-out party, and a mobile banking APP 56 of the transferring-out party.
Wherein, on the transfer side: the mobile terminal device 51 of the transfer party is installed with an instant messaging APP (e.g., wechat, pay) of an instant messaging company and a mobile banking APP. The transfer-in party's mobile banking APP 52 is used for generating the transfer invitation code. The instant messaging APP 53 of the transferring-in party is used to send the transfer invitation code.
At the roll-out side: the roll-out mobile terminal device 54 has installed therein an instant messenger APP (e.g., WeChat, Paibao) and a cell phone bank APP of an instant messenger company. The instant messaging APP 55 of the roll-out party is used to receive the transfer invitation code. And the mobile phone bank APP 56 of the roll-out party is used for sending a transfer instruction to the background server, and the background server finishes the transfer.
Referring to fig. 6, a schematic diagram of an overall architecture of a quick transfer device based on an invite code according to an embodiment of the invention is shown. As shown in fig. 6, the apparatus includes:
when the device is used for inviting others to transfer accounts, namely, the transfer-in user invites the transfer-out user to transfer accounts to the transfer-in user:
and the login module 61 is used for acquiring login information input by the transferring party user in the mobile banking APP, and matching account information corresponding to the login information after the login is successful.
And the invitation code generation module 62 is configured to generate a transfer invitation code according to account information selected by the transfer party user when the mobile banking APP of the transfer party user acquires a transfer instruction for inviting others.
Specifically, when a transfer instruction for inviting others is initiated through the mobile banking APP at present, account information selected by a transfer-in user generates a transfer invitation code according to an industry-specified uniform interface.
And the invitation code pasting module 63 is used for extracting the transfer invitation codes to the clipboard and pasting the invitation codes in the clipboard to the instant messaging APP of the transfer-in party user.
And a sending module 64, configured to send the transfer invitation code to the forwarding party user.
Specifically, the transfer invitation code is sent to the instant messaging APP of the transfer party user selected by the transfer party user through the instant messaging APP of the transfer party user.
When the device is used for transferring accounts to other people, namely, the transfer-out party user receives the transfer-in party invitation:
and the login module 61 is used for acquiring login information input by the transfer party user in the mobile phone bank APP, and matching account information corresponding to the login information after the login is successful.
And the receiving module 65 is used for receiving the transfer invitation code sent by the transfer-in party user.
Invite code extraction module 66 for after receiving the transfer invite code at the instant messaging APP of the roll-out user, extracting the transfer invite code to the clipboard, by the information in the roll-out user's mobile banking APP to the clipboard is identified.
And the analysis module 67 is used for analyzing according to a uniform interface specified by the industry when the transfer invitation code is identified to obtain account information selected by the transferred user, and displaying the account information on the transfer interface.
And the transfer module 68 is used for analyzing the transfer invitation code and transferring the account to the transfer party according to the account information obtained by analysis.
Specifically, after receiving the transfer amount and the transfer confirmation instruction input by the transfer-out party user, the transfer is completed.
Referring to fig. 7, an overall flow chart of the quick transfer based on the invite code according to an embodiment of the present invention is shown. As shown in fig. 7, the specific process is as follows:
at the transfer side:
s701, the transferring party logs in the mobile phone bank APP, and after the logging is successful, the mobile phone bank APP can be matched with the user information of the login user, wherein the user information at least comprises: the name of the user.
S702, the transfer party clicks the link of 'invite others to transfer to me' in the card number checking page, and initiates an instruction of inviting others to transfer.
And S703, after the information selection is confirmed, generating a transfer invitation code from the information such as the card number selected by the transfer party on the mobile phone bank APP, the name of the login user and the like according to an industry-agreed unified interface, and writing the invitation code into the clipboard.
S704, the transfer party pastes an invitation code to the instant messaging APP and sends the invitation code to the transfer party.
At the roll-out side:
s705, after the transfer party receives the invitation code from the instant messaging APP, the transfer party copies the invitation code and opens the mobile banking APP.
S706, the mobile banking APP reads the data in the clipboard, and whether the data contain the unique identifier of the transfer invitation code is identified.
If the transfer invitation code is identified, analyzing data such as a transfer party card number, a name and the like in the invitation code according to an agreed industry uniform interface, and initiating transfer.
S707, according to the analyzed data, automatically filling the data of the card number, name and the like of the transfer-in party into a transfer initiating page, displaying the data to the transfer-out party, inputting the transfer amount by the transfer-out party, and initiating a transfer transaction after confirming that the information of the transfer-in party is correct.
And S708, according to a conventional transfer process, the related information of the transfer is interacted through a background communication module of the bank system, and the transfer-out line and the transfer-in line complete fund deduction and deposit in the background.
The quick transfer method and device based on the invitation code can simplify the operation of a user during transfer, so that the user does not need to input the card number and name of the bank card manually, the input of related transfer elements can be completed by automatically generating the invitation code and analyzing the invitation code, the convenience of transfer operation of the bank card is effectively improved, the user experience degree is improved, and the user stickiness is improved.
Based on the aforementioned inventive concept, as shown in fig. 8, the present invention further provides a computer device 800, which includes a memory 810, a processor 820, and a computer program 830 stored in the memory 810 and operable on the processor 820, wherein the processor 820 implements the aforementioned invite-code-based fast transfer method when executing the computer program 830.
Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium storing a computer program, which when executed by a processor implements the aforementioned invite-code-based quick transfer method.
According to the quick transfer method and device based on the invitation codes, the account information of the transfer party is generated into the transfer invitation codes according to the transfer of the invitation initiated by the transfer party, the transfer invitation codes are acquired by the transfer party and then the account information is obtained through analysis, so that the process that the transfer party and the transfer party manually input the card numbers, names and other information in the transfer process is simplified, the personal card numbers of users are not needed, the convenience of transfer operation of bank cards is effectively improved, the risk of transferring funds by mistake due to manual card number transmission is avoided, and the user experience degree of transfer service is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (12)
1. A quick transfer method based on an invitation code is characterized by comprising the following steps:
when a mobile phone bank APP of a first user acquires a transfer instruction for inviting others, generating a transfer invitation code according to account information selected by the first user;
and sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is carried out according to the account information obtained through analysis.
2. A quick transfer method based on an invitation code as recited in claim 1, wherein when the mobile banking APP of the first user obtains an instruction to invite another person to transfer money, the method generates the transfer invitation code according to the account information selected by the first user, further comprising:
acquiring login information input by the first user in a mobile phone bank APP, and matching account information corresponding to the login information after login is successful;
when a first user initiates an instruction of inviting others to transfer accounts through a mobile banking APP, account information selected by the first user is generated into a transfer invitation code according to an industry-specified uniform interface.
3. A quick transfer method based on an invitation code as recited in claim 2, wherein sending the invitation code to the second user comprises:
extracting the transfer invitation codes to a clipboard, and pasting the invitation codes in the clipboard to an instant messaging APP of a first user;
and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
4. A quick invite-code based transfer method as recited in claim 3, wherein the method further comprises:
after receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
5. A quick transfer method based on an invitation code is characterized by comprising the following steps:
receiving a transfer invitation code sent by a first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and analyzing the transfer invitation code, and transferring accounts according to the account information obtained by analysis.
6. A quick transfer method based on an invitation code as recited in claim 5, wherein the generation manner of the transfer invitation code is:
the method comprises the steps of obtaining login information input by a first user through a mobile banking APP of the first user, matching account information corresponding to the login information after login is successful, and generating a transfer invitation code according to account information selected by the first user and an industry-specified uniform interface according to a transfer instruction for inviting others initiated by the first user.
7. A quick transfer method based on an invitation code as recited in claim 6, wherein the transfer invitation code is sent in a manner of:
extracting the transfer invitation code to a clipboard by a first user, and pasting the invitation code in the clipboard to an instant messaging APP of the first user; and sending the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.
8. A quick transfer method based on an invitation code as recited in claim 7, wherein the step of resolving the transfer invitation code and transferring the transfer according to the resolved account information comprises:
after receiving the transfer invitation code at the instant messaging APP of the second user, extracting the transfer invitation code to the shear plate, identifying information in the shear plate by the mobile banking APP of the second user, analyzing according to a uniform interface specified by the industry when identifying the transfer invitation code, obtaining account information selected by the first user, displaying the account information on a transfer interface, and finishing the transfer after receiving the transfer amount input by the second user and confirming a transfer instruction.
9. A quick transfer apparatus based on an invitation code, the apparatus comprising:
the account transfer invitation module is used for generating a transfer invitation code according to account information selected by a first user when a mobile phone bank APP of the first user acquires an instruction for inviting others to transfer accounts;
and the sending module is used for sending the transfer invitation code to a second user, wherein the transfer invitation code is analyzed by a mobile banking APP of the second user, and transfer is carried out according to the account information obtained through analysis.
10. A quick transfer apparatus based on an invitation code, the apparatus comprising:
the receiving module is used for receiving the transfer invitation code sent by the first user; the transfer invitation code is generated according to account information selected by the first user when a mobile phone bank APP of the first user acquires a transfer instruction for inviting others;
and the transfer module is used for analyzing the transfer invitation code and transferring the account according to the account information obtained by analysis.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 8.
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| CN202110217129.8A CN112785286A (en) | 2021-02-26 | 2021-02-26 | Quick transfer method and device based on invitation codes |
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| CN202110217129.8A CN112785286A (en) | 2021-02-26 | 2021-02-26 | Quick transfer method and device based on invitation codes |
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