CN114926166A - User consumption information processing method and device - Google Patents
User consumption information processing method and device Download PDFInfo
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- CN114926166A CN114926166A CN202210586577.XA CN202210586577A CN114926166A CN 114926166 A CN114926166 A CN 114926166A CN 202210586577 A CN202210586577 A CN 202210586577A CN 114926166 A CN114926166 A CN 114926166A
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- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The invention discloses a user consumption information processing method and a device, relating to the technical field of finance; wherein the method comprises the following steps: receiving a payment request submitted by a first user, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier; acquiring position information of a first user; acquiring an allowed consumption position range and consumption amount configuration information corresponding to a first user according to the payment account identifier; when the position information is determined to be within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of a second user; the payment confirmation information includes: payment amount, payee identification and payment account identification; receiving the following information sent by a second user through a mobile banking: and when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to a collection account corresponding to the payee identifier. The invention can improve the transaction safety.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a user consumption information processing method and device. It should be noted that the method and apparatus for processing user consumption information of the present invention can be used in the field of financial technology, and can also be used in any fields other than the field of financial technology.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Consumption of the minors is supervised by parents to ensure consumption health of the minors and property safety of the parents. However, when the current bank manages the property of the user, whether the transaction request can be performed is verified only according to the consumption request and the payment password of the user, technical support cannot be provided for monitoring consumption of minors, the transaction security is low, and the user experience is poor.
Disclosure of Invention
The embodiment of the invention provides a user consumption information processing method, which is used for carrying out supervision processing on consumption information of minors or other users needing supervision, improving transaction safety and improving user experience, and comprises the following steps:
receiving a payment request submitted by a first user through a telephone watch, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier;
acquiring the position information of the first user;
acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance through a mobile phone bank for a second user who has supervision authority on the first user;
when the position information is determined to be within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information includes: payment amount, payee identification and payment account identification;
receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
The embodiment of the invention also provides a user consumption information processing device, which is used for monitoring and processing consumption information of minors or other users needing to be monitored, improving transaction safety and improving user experience, and comprises the following components:
the receiving module is used for receiving a payment request submitted by a first user through a telephone watch, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier;
the position information acquisition module is used for acquiring the position information of the first user;
the information acquisition module is used for acquiring the allowed consumption position range and the consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank;
the first processing module is used for sending payment confirmation information to a mobile phone bank of the second user when the position information is determined to be in the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information; the payment confirmation information comprises: payment amount, payee identification and payment account identification;
the second processing module is used for receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the user consumption information processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing user consumption information is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for processing user consumption information is implemented.
In the embodiment of the invention, a payment request submitted by a first user through a telephone watch is received, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier; acquiring the position information of the first user; acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance through a mobile phone bank for a second user who has supervision authority on the first user; when the position information is determined to be in the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information includes: payment amount, payee identification and payment account identification; receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification; the payment account is a bank account which is opened in a bank by the second user or the first user in advance. Therefore, consumption information of minors or other users needing to be supervised can be supervised, transaction safety is improved, and user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a flowchart of a user consumption information processing method provided in an embodiment of the present invention;
FIG. 2 is a flowchart of a method for configuring the consumption allowable location range and the consumption amount configuration information according to an embodiment of the present invention;
FIG. 3 is a flowchart of another method for configuring the spending location range and the spending amount configuration information according to an embodiment of the present invention;
FIG. 4 is a diagram of a user consuming information processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
Research shows that consumption of minors is supervised by parents to a certain extent so as to ensure consumption health of the minors and property safety of the parents. However, when the current bank manages the property of the user, whether the transaction request can be performed is verified only according to the consumption request and the payment password of the user, technical support cannot be provided for monitoring consumption of minors, the transaction security is low, and the user experience is poor.
In view of the above research, an embodiment of the present invention provides a method for processing user consumption information, as shown in fig. 1, including:
s101: receiving a payment request submitted by a first user through a telephone watch, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier;
s102: acquiring the position information of the first user;
s103: acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank;
s104: when the position information is determined to be within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information comprises: payment amount, payee identification and payment account identification;
s105: receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
In the embodiment of the invention, a payment request submitted by a first user through a telephone watch is received, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier; acquiring the position information of the first user; acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank; when the position information is determined to be in the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information includes: payment amount, payee identification and payment account identification; receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification; the payment account is a bank account which is opened in a bank by the second user or the first user in advance. Therefore, consumption information of minors or other users needing to be supervised can be supervised, transaction safety is improved, and user experience is improved.
The user consumption information processing method will be described in detail below.
For the above S101, the first user includes, for example, an infant, an elderly person, or other user that needs supervision.
The payment request is submitted, for example, by the first user scanning a payee two-dimensional code provided by the payee using the phone watch, and includes, for example, a payment account identifier, a payment amount, and a payee identifier.
As to S102, the obtaining of the location information of the first user may be, for example, obtaining the location information of the first user through a telephone watch of the first user.
In another embodiment of the present invention, for example, the location information corresponding to the payee identifier in the payment request may be determined according to the payee identifier in the payment request and the location information corresponding to each payee identifier stored in advance, and the location information corresponding to the payee identifier in the payment request may be determined as the location information of the first user.
As to S103, the allowable consumption location range and the consumption amount configuration information are configured by the second user having supervision authority on the first user through a mobile phone bank in advance (for example, before receiving a payment request submitted by the first user through a phone watch).
As shown in fig. 2, a flowchart of a method for configuring information about a consumption allowed location range and a consumption amount according to an embodiment of the present invention includes:
s201: receiving a bank account setting request submitted by the second user through a mobile phone bank; wherein, the bank account setting request includes: a payment account identification.
Here, the payment account id is, for example, an account id of an existing bank account of the second user, and when the second user sets the payment account for the first user, the second user may, for example, configure the existing bank account and then give the first user the configured account.
S202: and sending consumption amount configuration page information to the mobile phone bank of the second user according to the payment account identifier, so that the mobile phone bank of the second user generates a consumption amount configuration page according to the consumption amount configuration page information and displays the consumption amount configuration page to the second user.
In an embodiment of the present invention, the consumption amount configuration page includes, for example: a single maximum consumption amount configuration item, a maximum total consumption amount configuration item in a preset time period and the like.
S203: and receiving the expense amount configuration information submitted by the second user through filling an expense amount configuration page in a mobile phone bank.
Here, the spending amount configuration information includes, for example, at least: the maximum spending amount for a single stroke.
S204: receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries a city identifier.
S205: and acquiring consumption place information corresponding to the city identification, wherein the consumption place information comprises position information of each consumption place in the city corresponding to the city identification and payee identification.
S206: and sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank.
Here, the allowable consumption location range submitted by the second user according to the consumption location information displayed by the mobile banking includes, for example: the consumption location where the first user selected by the second user may consume, and the corresponding payee identification.
Or, in another embodiment of the present invention, the allowable consumption position range submitted by the second user according to the consumption location information displayed by the mobile banking includes, for example: a consumption location and corresponding payee identification selected by a second user that disallows consumption by the first user; and when receiving the allowed consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank, determining the position information and the payee identification corresponding to other consumption places except the consumption place corresponding to the position information and the payee identification submitted by the second user in all the consumption places except the consumption place corresponding to the city identification as the allowed consumption position range of the first user.
Therefore, the first user can be effectively limited to consume to a suitable consuming place, the healthy and rational consumption of the first user is guaranteed, and the consumption safety of the first user is guaranteed.
S207: and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
In addition, the second user may configure its own bank account and then use it as the first user, in another embodiment of the present invention, the second user may also open a bank account for the first user, configure the opened bank account and then use it as the payment account for the first user.
Illustratively, as shown in fig. 3, a flowchart of another method for configuring the consumption-allowed location range and the consumption amount configuration information according to an embodiment of the present invention includes:
s301: receiving a payment account establishment request submitted by the first user; the payment account establishment request carries the identification card number of the first user.
S302: and prompting the first user to input the identity card number of the second user and the user identification of the second user when the first user is determined to be a minor according to the identity card number of the first user.
S303: and after the relationship between the first user and the second user corresponding to the identity card number of the second user and the identity card number of the first user is verified, establishing a payment account for the first user, and generating an association relationship between the user identification and the payment account identification of the payment account.
S304: and sending consumption amount configuration page information to the mobile phone bank of the second user according to the user identification so that the mobile phone bank of the second user can generate a consumption amount configuration page according to the consumption amount configuration page information and display the consumption amount configuration page to the second user.
In an embodiment of the present invention, the spending amount configuration page includes, for example: a single maximum consumption amount configuration item, a maximum total consumption amount configuration item in a preset time period and the like.
S305: and receiving the consumption amount configuration information submitted by the second user through filling the consumption amount configuration page in the mobile phone bank.
Here, the consumption amount configuration information includes, for example, at least: the maximum amount of money consumed for a single stroke.
S306: receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries city identification.
S307: and acquiring consumption place information corresponding to the city identification, wherein the consumption place information comprises position information of each consumption place in the city corresponding to the city identification and payee identification.
S308: and sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank.
Here, the allowable consumption location range submitted by the second user according to the consumption location information displayed by the mobile banking includes, for example: the consumption location where the first user selected by the second user may consume, and the corresponding payee identification.
Or, in another embodiment of the present invention, the allowable consumption location range submitted by the second user according to the consumption location information displayed by the mobile banking includes, for example: a consumption location and corresponding payee identification selected by a second user that disallows consumption by the first user; and when receiving the allowed consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank, determining the position information and the payee identification corresponding to other consumption places except the consumption place corresponding to the position information and the payee identification submitted by the second user in all the consumption places except the consumption place corresponding to the city identification as the allowed consumption position range of the first user.
Therefore, the first user can be effectively limited to consume to a suitable consuming place, the healthy and rational consumption of the first user is guaranteed, and the consumption safety of the first user is guaranteed.
S309: and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
And after the allowed consumption position range and the consumption amount configuration information corresponding to the first user are obtained, determining whether the current payment request of the first user meets the preset allowed consumption position range and the consumption amount configuration information.
Further, when determining whether the payment request of the first user at this time meets the pre-configured allowable consumption position range and the consumption amount configuration information, the method includes, for example: and determining whether the position information of the first user is within the allowed consumption position range or not, and whether the payment amount of the payment request exceeds the maximum consumption amount of the single pen configured in the consumption amount configuration information or not.
The method comprises the following steps: in S104, the payment confirmation information includes, for example: payment amount, payee identification and payment account identification; when the position information is determined to be in the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; receiving the following information sent by the second user through a mobile banking: and when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the payee identification.
The payment account is a bank account opened by the second user or the first user in the bank in advance, and the method for opening the payment account is described in the foregoing embodiment, and is not described herein again.
In another embodiment of the present invention, after receiving the message sent by the second user through the mobile banking: and when the payment instruction is not approved, prohibiting the payment of the payment request, and feeding back payment failure to the telephone watch of the first user.
Secondly, the step of: in addition, in an embodiment of the present invention, the method further includes: and when the position information is determined to be within the allowed consumption position range and the payment amount does not exceed the single maximum consumption amount configured in the consumption amount configuration information, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to a collection account corresponding to the collector identifier.
③: in an embodiment of the present invention, the method further includes: and when determining that the position information is not within the consumption-allowed position range according to the position information and the consumption-allowed position range, forbidding payment for the payment request, and feeding back payment failure to the telephone watch of the first user.
In another embodiment of the present invention, the consumption amount configuration information further includes, for example: the highest total amount of consumption within a preset time period; further, the determining whether the payment request of the first user at this time meets the pre-configured allowable consumption position range and the consumption amount configuration information include, for example: before determining whether the position information of the first user is within the allowed consumption position range and whether the payment amount of the payment request exceeds the single maximum consumption amount configured in the consumption amount configuration information, acquiring the consumption record of the first user within a preset time period according to the payment account identifier; obtaining the total amount consumed by the first user within a preset time period according to the consumption record; calculating a sum of the total amount consumed and the payment amount; determining whether the sum of the total consumed amount and the payment amount is greater than a highest total consumed amount within a preset time period:
(1): when the sum of the consumed total sum and the payment sum is larger than the highest total consumption sum in the preset time period, sending payment confirmation information to a mobile phone bank of the second user; receiving the following information sent by the second user through a mobile phone bank: and when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to the collection account corresponding to the collector identifier.
(2): and when the sum of the consumed total sum and the payment sum is not more than the highest total consumption sum in a preset time period, determining whether the position information does not exist in the allowed consumption position range, and whether the payment sum exceeds the single maximum consumption sum configured in the consumption sum configuration information.
In addition, in order to further ensure the consumption security of the first user, in another embodiment of the present invention, after receiving a payment request submitted by the first user through the phone watch, the method further includes: obtaining credit rating information of the payee according to the payee identification; when confirming that a payee has a transaction risk according to the reputation rating information, sending transaction confirmation information to a mobile phone bank of the second user; the transaction confirmation message includes, in addition to: the payment amount, the payee identification and the payment account identification further comprise credit rating information of the payee; receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; receiving the information sent by the second user through a mobile banking machine: and when the payment instruction is not agreed, the payment request is prohibited from being paid, and the payment failure is fed back to the telephone watch of the first user.
The embodiment of the invention also provides a user consumption information processing device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the method for processing the user consumption information, the implementation of the device can refer to the implementation of the method for processing the user consumption information, and repeated parts are not described again.
As shown in fig. 4, a schematic diagram of a user consumption information processing apparatus provided in an embodiment of the present invention includes:
a receiving module 401, configured to receive a payment request submitted by a first user through a phone watch, where the payment request includes a payment account identifier, a payment amount, and a payee identifier;
a location information obtaining module 402, configured to obtain location information of the first user;
an information obtaining module 403, configured to obtain, according to the payment account identifier, an allowed consumption position range and consumption amount configuration information that correspond to the first user; the allowable consumption position range and the consumption amount configuration information are configured in advance through a mobile phone bank for a second user who has supervision authority on the first user;
a first processing module 404, configured to send payment confirmation information to a mobile phone bank of the second user when it is determined that the location information is within the allowed consumption location range and the payment amount exceeds a single maximum consumption amount configured in the consumption amount configuration information; the payment confirmation information comprises: payment amount, payee identification and payment account identification;
a second processing module 405, configured to receive the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
In a possible implementation manner, the first processing module is further configured to determine that the location information is within the range of the allowed consumption location, and when the payment amount does not exceed the maximum consumption amount of a single transaction configured in the consumption amount configuration information, deduct a corresponding payment amount from a payment account corresponding to the payment account identifier and transfer the corresponding payment amount to a collection account corresponding to the payee identifier.
In a possible implementation manner, the first processing module is further configured to prohibit payment for the payment request and feed back a payment failure to the phone watch of the first user when it is determined that the location information is not within the consumption-allowed location range according to the location information and the consumption-allowed location range.
In one possible embodiment, the consumption amount configuration information further includes: the highest total consumption amount in a preset time period; further comprising: the third processing module is used for acquiring a consumption record of the first user in a preset time period according to the payment account identifier; obtaining the total amount consumed by the first user within a preset time period according to the consumption record; calculating a sum of the total amount consumed and the payment amount; determining whether the sum of the total amount consumed and the payment amount is greater than a highest total amount consumed within a preset time period; when the sum of the consumed total sum and the payment sum is larger than the highest total consumption sum in the preset time period, sending payment confirmation information to a mobile phone bank of the second user; receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to a collection account corresponding to the collector identifier; and when the sum of the consumed total sum and the payment sum is not more than the highest total consumption sum in a preset time period, determining whether the position information does not exist in the allowed consumption position range, and whether the payment sum exceeds the single maximum consumption sum configured in the consumption sum configuration information.
In one possible embodiment, the method further comprises: the fourth processing module is used for acquiring credit rating information of the payee according to the payee identification; when confirming that a payee has a transaction risk according to the reputation rating information, sending transaction confirmation information to a mobile phone bank of the second user; the transaction confirmation information also comprises credit rating information of a payee; receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; receiving the information sent by the second user through a mobile phone bank: and when the payment instruction is not approved, prohibiting the payment of the payment request, and feeding back payment failure to the telephone watch of the first user.
In one possible embodiment, the method further comprises: the fifth processing module is used for receiving a bank account setting request submitted by the second user through a mobile phone bank; wherein, the bank account setting request comprises: a payment account identification; according to the payment account identification, sending consumption amount configuration page information to a mobile phone bank of the second user, so that the mobile phone bank of the second user can generate a consumption amount configuration page according to the consumption amount configuration page information and display the consumption amount configuration page to the second user; receiving the expense amount configuration information submitted by the second user through filling an expense amount configuration page in a mobile phone bank; receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries city identification; acquiring consumption place information corresponding to the city identification, wherein the consumption place information comprises position information of each consumption place in a city corresponding to the city identification and a payee identification; sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank; and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
In one possible embodiment, the method further comprises: a sixth processing module, configured to receive a payment account establishment request submitted by the first user; the payment account establishment request carries an identification card number of a first user; when the first user is determined to be a minor according to the identity card number of the first user, prompting the first user to input the identity card number of the second user and the user identification of the second user; after the authentication of the second user identity card number and the relationship between the first user and the second user corresponding to the first user identity card number of the first user is passed, establishing a payment account for the first user, and generating an association relationship between the user identification and the payment account identification of the payment account; sending consumption amount configuration page information to the mobile phone bank of the second user according to the user identification so that the mobile phone bank of the second user can generate a consumption amount configuration page according to the consumption amount configuration page information and display the consumption amount configuration page to the second user; receiving the expense amount configuration information submitted by the second user through filling an expense amount configuration page in a mobile phone bank; receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries a city identifier; acquiring consumption place information corresponding to the city identifier, wherein the consumption place information comprises position information of each consumption place in a city corresponding to the city identifier and a payee identifier; sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank; and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further proposes a computer device 500, which comprises a memory 510, a processor 520 and a computer program 530 stored in the memory 510 and capable of running on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned user consumption information processing method.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing user consumption information is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the method for processing user consumption information is implemented.
In the embodiment of the invention, a payment request submitted by a first user through a telephone watch is received, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier; acquiring the position information of the first user; acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank; when the position information is determined to be within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information includes: payment amount, payee identification and payment account identification; receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; the payment account is a bank account which is opened in a bank by the second user or the first user in advance. Therefore, consumption information of minors or other users needing to be supervised can be supervised, transaction safety is improved, and user experience 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 has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A user consumption information processing method, comprising:
receiving a payment request submitted by a first user through a telephone watch, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier;
acquiring the position information of the first user;
acquiring an allowed consumption position range and consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank;
when the position information is determined to be in the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, sending payment confirmation information to a mobile phone bank of the second user; the payment confirmation information includes: payment amount, payee identification and payment account identification;
receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
2. The user consumption information processing method of claim 1, further comprising:
and when the position information is determined to be within the allowed consumption position range and the payment amount does not exceed the single maximum consumption amount configured in the consumption amount configuration information, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to the collection account corresponding to the payee identifier.
3. The user consumption information processing method of claim 1, further comprising:
and when determining that the position information is not within the consumption-allowed position range according to the position information and the consumption-allowed position range, forbidding payment for the payment request, and feeding back payment failure to the telephone watch of the first user.
4. The user consumption information processing method of claim 1, wherein the consumption amount configuration information further includes: the highest total consumption amount in a preset time period;
determining that the position information is within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information, further comprising:
acquiring a consumption record of the first user in a preset time period according to the payment account identifier;
obtaining the total amount consumed by the first user within a preset time period according to the consumption record;
calculating a sum of the total amount consumed and the payment amount;
determining whether the sum of the total amount consumed and the payment amount is greater than a highest total amount consumed within a preset time period;
when the sum of the consumed total sum and the payment sum is larger than the highest total consumption sum in the preset time period, sending payment confirmation information to a mobile phone bank of the second user;
receiving the following information sent by the second user through a mobile banking: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to a collection account corresponding to the collector identifier;
and when the sum of the consumed total sum and the payment sum is not more than the highest total consumption sum in a preset time period, determining whether the position information does not exist in the allowed consumption position range, and whether the payment sum exceeds the single maximum consumption sum configured in the consumption sum configuration information.
5. The method of processing user consumption information of claim 1, after receiving a payment request submitted by a first user via a telephone watch, further comprising:
obtaining credit rating information of the payee according to the payee identification;
when confirming that a payee has a transaction risk according to the reputation rating information, sending transaction confirmation information to a mobile phone bank of the second user; the transaction confirmation information also comprises credit rating information of a payee;
receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identification, and transferring the corresponding payment amount to a collection account corresponding to the collection party identification;
receiving the information sent by the second user through a mobile phone bank: and when the payment instruction is not agreed, the payment request is prohibited from being paid, and the payment failure is fed back to the telephone watch of the first user.
6. The method of processing user consumption information of claim 1, prior to receiving the payment request submitted by the first user via the telephone watch, further comprising:
receiving a bank account setting request submitted by the second user through a mobile phone bank; wherein, the bank account setting request comprises: a payment account identification;
according to the payment account identification, sending consumption amount configuration page information to a mobile phone bank of the second user, so that the mobile phone bank of the second user generates a consumption amount configuration page according to the consumption amount configuration page information and displays the consumption amount configuration page to the second user;
receiving the consumption amount configuration information submitted by the second user through filling the consumption amount configuration page in a mobile phone bank;
receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries a city identifier;
acquiring consumption place information corresponding to the city identifier, wherein the consumption place information comprises position information of each consumption place in a city corresponding to the city identifier and a payee identifier;
sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank;
and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
7. The method of processing user consumption information of claim 1, prior to receiving the payment request submitted by the first user via the telephone watch, further comprising:
receiving a payment account establishment request submitted by the first user; the payment account establishment request carries an identification card number of a first user;
when the first user is determined to be a minor according to the identity card number of the first user, prompting the first user to input the identity card number of the second user and the user identification of the second user;
after the authentication of the second user identity card number and the relationship between the first user and the second user corresponding to the first user identity card number of the first user is passed, establishing a payment account for the first user, and generating an association relationship between the user identification and the payment account identification of the payment account;
sending consumption amount configuration page information to a mobile phone bank of the second user according to the user identification so that the mobile phone bank of the second user can generate a consumption amount configuration page according to the consumption amount configuration page information and display the consumption amount configuration page to the second user;
receiving the consumption amount configuration information submitted by the second user through filling the consumption amount configuration page in a mobile phone bank;
receiving a consumption place information acquisition request sent by the second user; the consumption place information acquisition request carries city identification;
acquiring consumption place information corresponding to the city identification, wherein the consumption place information comprises position information of each consumption place in a city corresponding to the city identification and a payee identification;
sending the consumption place information to a mobile phone bank of the second user, and receiving an allowable consumption position range submitted by the second user according to the consumption place information displayed by the mobile phone bank;
and generating an association relation between the payment account identification and the consumption amount configuration information and the allowed consumption position range.
8. A user consumption information processing apparatus, comprising:
the receiving module is used for receiving a payment request submitted by a first user through a telephone watch, wherein the payment request comprises a payment account identifier, a payment amount and a payee identifier;
the position information acquisition module is used for acquiring the position information of the first user;
the information acquisition module is used for acquiring the allowed consumption position range and the consumption amount configuration information corresponding to the first user according to the payment account identifier; the allowable consumption position range and the consumption amount configuration information are configured in advance for a second user who has supervision authority on the first user through a mobile phone bank;
the first processing module is used for sending payment confirmation information to a mobile phone bank of the second user when the position information is determined to be within the allowed consumption position range and the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information; the payment confirmation information includes: payment amount, payee identification and payment account identification;
the second processing module is used for receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier; the payment account is a bank account which is opened in a bank by the second user or the first user in advance.
9. The apparatus as claimed in claim 8, wherein the first processing module is further configured to determine that the location information is within the allowed consumption location range, and when the payment amount does not exceed the maximum consumption amount of a single transaction configured in the consumption amount configuration information, deduct a corresponding payment amount from a payment account corresponding to the payment account identifier and transfer the corresponding payment amount to a collection account corresponding to the recipient identifier.
10. The user consumption information processing apparatus of claim 8, wherein the first processing module is further configured to prohibit payment for the payment request and feed back a payment failure to the phone watch of the first user when determining that the location information is not within the consumption-allowed location range based on the location information and the consumption-allowed location range.
11. The user consumption information processing apparatus of claim 8, wherein the consumption amount configuration information further includes: the highest total consumption amount in a preset time period;
further comprising: the third processing module is used for acquiring a consumption record of the first user in a preset time period according to the payment account identifier;
obtaining the total amount consumed by the first user within a preset time period according to the consumption record;
calculating a sum of the total amount consumed and the payment amount;
determining whether the sum of the total amount consumed and the payment amount is greater than a highest total amount consumed within a preset time period;
when the sum of the consumed total sum and the payment sum is larger than the highest total consumption sum in the preset time period, sending payment confirmation information to a mobile phone bank of the second user;
receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier and transferring the corresponding payment amount to a collection account corresponding to the collector identifier;
and when the sum of the consumed total sum and the payment amount is not more than the highest total consumption amount in a preset time period, determining whether the position information does not exist in the allowed consumption position range or not, and determining whether the payment amount exceeds the single maximum consumption amount configured in the consumption amount configuration information or not.
12. The user-consumption-information processing apparatus of claim 8, further comprising: the fourth processing module is used for acquiring the credit rating information of the payee according to the payee identifier;
when confirming that a payee has a transaction risk according to the reputation rating information, sending transaction confirmation information to a mobile phone bank of the second user; the transaction confirmation information also comprises credit rating information of a payee;
receiving the following information sent by the second user through a mobile phone bank: when the payment instruction is agreed, deducting the corresponding payment amount from the payment account corresponding to the payment account identifier, and transferring the corresponding payment amount to the collection account corresponding to the payee identifier;
receiving the information sent by the second user through a mobile banking machine: and when the payment instruction is not approved, prohibiting the payment of the payment request, and feeding back payment failure to the telephone watch of the first user.
13. 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 7 when executing the computer program.
14. 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 of claims 1 to 7.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 7.
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| CN115545697A (en) * | 2022-11-08 | 2022-12-30 | 广东车卫士信息科技有限公司 | Non-inductive payment method, storage medium and electronic equipment |
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| CN115545697A (en) * | 2022-11-08 | 2022-12-30 | 广东车卫士信息科技有限公司 | Non-inductive payment method, storage medium and electronic equipment |
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