WO2016131303A1 - 一种进行转账处理的方法和装置 - Google Patents

一种进行转账处理的方法和装置 Download PDF

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Publication number
WO2016131303A1
WO2016131303A1 PCT/CN2015/093277 CN2015093277W WO2016131303A1 WO 2016131303 A1 WO2016131303 A1 WO 2016131303A1 CN 2015093277 W CN2015093277 W CN 2015093277W WO 2016131303 A1 WO2016131303 A1 WO 2016131303A1
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WO
WIPO (PCT)
Prior art keywords
account
transfer
information
local login
contact
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2015/093277
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English (en)
French (fr)
Inventor
孙铭泽
黄媛媛
张洋
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Xiaomi Inc
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Xiaomi Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Xiaomi Inc filed Critical Xiaomi Inc
Priority to KR1020167007726A priority Critical patent/KR101834163B1/ko
Priority to JP2017500125A priority patent/JP6214812B2/ja
Priority to MX2016004033A priority patent/MX2016004033A/es
Priority to RU2016112981A priority patent/RU2649777C2/ru
Publication of WO2016131303A1 publication Critical patent/WO2016131303A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3267—In-app payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services

Definitions

  • the present disclosure relates to the field of computer technologies, and in particular, to a method and apparatus for performing a transfer process.
  • the mobile terminal can also implement various functions such as video viewing, information inquiry and transfer based on the Internet.
  • the transfer function is one of the most important functions in people's lives.
  • Embodiments of the present disclosure provide a method and apparatus for performing a transfer process.
  • the technical solution is as follows:
  • a method of performing a transfer process comprising:
  • the obtaining the information of the local login account includes:
  • the account identifier of the first fund account and the account identifier of the local login account are obtained.
  • the obtaining the information of the local login account includes:
  • the method further includes:
  • a transfer function option is added to the contact information page corresponding to the account identifier of the target account.
  • an apparatus for performing a transfer process comprising:
  • a display module configured to display a contact information page of the first contact, where the contact information page includes a transfer function option corresponding to the first account of the first contact;
  • An obtaining module configured to acquire an account identifier of the first account, information of a local login account, and transfer information input by the user when receiving the triggering instruction of the transfer function option;
  • a sending module configured to send, to the server, a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information, where the server is configured to move from the local login account to the first An account performs the transfer process indicated by the transfer information.
  • the acquiring module includes:
  • Displaying a sub-module configured to display a list of fund accounts bound to a pre-stored local login account
  • the obtaining submodule is configured to acquire an account identifier of the first fund account and an account identifier of the local login account after receiving the selection instruction corresponding to the first fund account in the fund account list.
  • the acquiring module includes:
  • Determining a sub-module configured to determine, in a fund account bound to the local login account, a second fund account whose usage time is closest to the current time;
  • the obtaining submodule is configured to obtain an account identifier of the second fund account and an account identifier of the local login account.
  • the device further includes an adding module configured to:
  • a transfer function option is added to the contact information page corresponding to the account identifier of the target account.
  • an apparatus for performing a transfer process comprising:
  • a memory configured to store processor executable instructions
  • processor is configured to:
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • the account identifier, the information of the local login account, and the transfer information input by the user send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to be the first from the local login account.
  • the account performs the transfer processing indicated by the transfer information, so that the transfer of the corresponding account can be triggered by the transfer function option of the contact information page, without the user having to manually input the account name of the account to be transferred, thereby improving the efficiency of the transfer processing.
  • FIG. 1 is a flowchart of a method for performing a transfer process according to an embodiment of the present disclosure
  • FIG. 2 is a schematic diagram showing an interface display according to an embodiment of the present disclosure
  • FIG. 3 is a schematic structural diagram of an apparatus for performing a transfer process according to an embodiment of the present disclosure
  • FIG. 4 is a schematic structural diagram of an apparatus for performing a transfer process according to an embodiment of the present disclosure
  • FIG. 5 is a schematic structural diagram of an apparatus for performing a transfer process according to an embodiment of the present disclosure
  • FIG. 6 is a schematic structural diagram of an apparatus for performing a transfer process according to an embodiment of the present disclosure
  • FIG. 7 is a schematic structural diagram of a terminal according to an embodiment of the present disclosure.
  • the embodiment of the present disclosure provides a method for performing a transfer process. As shown in FIG. 1 , the process flow of the method may include the following steps:
  • Step 101 Display a contact information page of the first contact, where the contact information page includes a transfer function option corresponding to the first account of the first contact.
  • Step 102 When receiving the triggering instruction of the transfer function option, acquire the account identifier of the first account, the information of the local login account, and the transfer information input by the user.
  • Step 103 Send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to perform the transfer process indicated by the transfer information from the local login account to the first account.
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • the account identifier, the information of the local login account, and the transfer information input by the user send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to be the first from the local login account.
  • the account performs the transfer processing indicated by the transfer information, so that the transfer of the corresponding account can be triggered by the transfer function option of the contact information page, without the user having to manually input the account name of the account to be transferred, thereby improving the efficiency of the transfer processing.
  • the embodiment of the present disclosure provides a method for performing a transfer process, which can be used in a terminal (such as a mobile phone, a tablet, etc.) provided with a contact list.
  • the terminal can be a mobile terminal such as a mobile phone or a tablet computer.
  • the execution subject is taken as an example of a mobile phone, and a detailed description of the solution is performed. Other situations are similar, and the present embodiment is not described in detail.
  • Step 101 Display a contact information page of the first contact, where the contact information page includes a transfer function option corresponding to the first account of the first contact.
  • the user can install an application with a transfer function at the terminal, and can register an account with the server through the application, and set a corresponding account password to transfer funds through the account. Users can also bind registered accounts to their own funds accounts through the app (such as a bank account).
  • the technician can pre-write the program code corresponding to the transfer function in the terminal to enable the mobile terminal to support the transfer function.
  • the corresponding icon of the contact application can be clicked at the terminal, and the terminal receives the contact access instruction and then displays the local contact list.
  • the contact information page includes the transfer function option of the first account corresponding to the contact that needs to be transferred.
  • the contact information page may display information such as the name and phone number of the contact, and may also display a set ringtone button, a favorite button, and a transfer button (ie, the transfer function option 21), etc., so that the user can The first account performs operations such as setting or transferring.
  • the manner in which the trigger terminal displays the transfer function option of the first account may be various.
  • the user can press and hold the contact in the contact list to trigger the terminal to display the transfer function option.
  • the current display may be performed.
  • a list of operation options pops up in the interface, which can be displayed in the operation option list.
  • the transfer function option is also displayed, and the function options of deleting the contact, setting the blacklist, and sending the information may also be displayed; or the user may trigger the terminal to display the transfer function option by sliding the terminal, and the terminal may be detected in the contact list.
  • the transfer function option corresponding to the first account is displayed.
  • Step 102 When receiving the triggering instruction of the transfer function option, acquire the account identifier of the first account, the information of the local login account, and the transfer information input by the user.
  • the transfer information may include a transfer amount and an account password of the local login account.
  • the user can click the transfer function option in the contact information page of the contact that needs to transfer the above, the terminal will receive the trigger instruction of the transfer function option, and then display the transfer page, and the user can input the transfer information in the transfer page. That is, the transfer amount and the account password of the local login account, and then click the OK button, the terminal can obtain the account identifier of the first account (such as the mobile phone number of the first account), the information of the local login account (such as the local mobile phone number) and the user.
  • the entered transfer amount and the account password of the local login account, the information of the local login account may include an account identifier of the fund account bound to the first account and an account identifier of the local login account.
  • the user may select a fund account that is desired to be used, and the corresponding process may be as follows: displaying a pre-stored list of fund accounts bound to the local login account; and receiving a selection of the first fund account corresponding to the fund account list. After the instruction, the account identifier of the first fund account and the account identifier of the local login account are obtained.
  • the information of the local login account may include an account identifier of the local login account and an account identifier of the first fund account selected by the user.
  • Users can bind registered accounts to their own multiple funds accounts (such as bank accounts) through the above application.
  • the terminal displays the transfer amount input page, and the transfer amount input page can display an input box for inputting the transfer amount, and the user can transfer the amount in the input box.
  • Click the OK button the terminal will display the fund account selection page, and the fund account selection page can display the fund account list with the local login account binding.
  • the account account list may display the account identifier (such as the bank card number) of each fund account, and the fund account selection page may also display the transfer amount and the input box for inputting the account password, and the user may log in to the account of the account locally.
  • the password in the fund account list, select the fund account that is desired to be used (ie, the first fund account), and the terminal receives the selection instruction corresponding to the selection instruction of the first fund account, and then can obtain the transfer amount input by the user and the local login account.
  • the account password, the account ID of the first account such as the mobile phone number of the first account
  • the account ID of the local login account such as the local mobile phone number
  • the terminal may automatically select the fund account, and the corresponding process may be as follows: in the fund account bound to the local login account, determine a second fund account whose usage time is closest to the current time; and obtain the second fund account. Account ID and account ID of the local login account.
  • the information of the local login account may include an account identifier of the local login account and an account identifier of the second fund account determined by the terminal.
  • the user can use the local login account to perform operations such as transfer and payment, and the terminal can record operations such as user transfer and payment. Specifically, after the user performs the transfer or payment operation, the terminal can obtain the time when the user transfers or pays the money (that is, the usage time of the fund account), and can obtain the fund account used in the operation, and the terminal can use the operation.
  • the fund account is stored corresponding to the current time, and the corresponding relationship between the use time of the fund account and the fund account is established.
  • the terminal may query the fund account corresponding to the usage time closest to the current time in the above correspondence, and use the fund account as the fund account to be used (ie, the second fund account). Then, the terminal may obtain the account identifier of the second fund account, the account identifier of the first account, the account identifier of the local login account, and the transfer information input by the user for subsequent processing.
  • Step 103 Send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to perform the transfer process indicated by the transfer information from the local login account to the first account.
  • the terminal acquires an account identifier of the first account and an account identifier of the local login account. After the transfer amount entered by the user and the account password of the local login account, the above information may be carried in the transfer request and sent to the server.
  • the server receives the transfer request sent by the terminal, and then parses the transfer request to obtain the information therein, thereby verifying the account identifier of the local login account and the account password of the local login account. After the verification is passed, the server may be based on the first The account identification of the account and the transfer amount entered by the user are transferred.
  • the process of step 103 may be as follows: sending an account identifier carrying the first fund account, an account identifier of the first account, and a server to the server The account identification of the local login account and the transfer request of the transfer information.
  • the terminal may carry the foregoing information in the transfer request and send the information to the server.
  • the fund account may be automatically selected.
  • the process of step 103 may be as follows: sending an account identifier carrying the second fund account, an account identifier of the first account, and the The account identification of the local login account and the transfer request of the transfer information.
  • the terminal may carry the above information in the transfer request and send the information to the server.
  • the terminal may add a transfer function option in the contact information page, and the corresponding processing may be as follows: receiving a transfer account addition request sent by the server, where the transfer account addition request carries an account identifier of the target account; The transfer function option is added to the contact information page corresponding to the account identifier of the target account.
  • the contact information page corresponding to the contact will not be displayed. Show transfer options.
  • the contact can install the above-mentioned application with transfer function in the terminal, and when the contact registers the account with the server through the application, the account registration request is sent to the server, and the account registration request is sent.
  • the account identifier (such as the mobile phone number of the contact) and the account password of the account to be registered may be carried, and the server may receive the account registration request of the contact, perform corresponding registration processing, and the server may also store the contact locally.
  • the person list stores the contact list of the contact, and then sends a transfer account add request to the account to which the contact list is queried, and the transfer account add request carries the account identifier of the contact (ie, the account of the target account)
  • the identification terminal may receive the transfer account addition request, and then may add a transfer function option in the local contact list corresponding to the target account for subsequent transfer of the target account.
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • the account identifier, the information of the local login account, and the transfer information input by the user send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to be the first from the local login account.
  • the account performs the transfer processing indicated by the transfer information, so that the transfer of the corresponding account can be triggered by the transfer function option of the contact information page, without the user having to manually input the account name of the account to be transferred, thereby improving the efficiency of the transfer processing.
  • the embodiment of the present disclosure further provides an apparatus for performing a transfer process.
  • the apparatus includes: a display module 310, an obtaining module 320, and a sending module 330.
  • the display module 310 is configured to display a contact information page of the first contact, where the contact information page includes a transfer function option corresponding to the first account of the first contact;
  • the obtaining module 320 is configured to: when receiving the triggering instruction of the transfer function option, acquire an account identifier of the first account, information of a local login account, and transfer information input by the user;
  • the sending module 330 is configured to send, to the server, a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information, where the server is configured to use the local login account to The first account performs a transfer process indicated by the transfer information.
  • the acquiring module 320 includes:
  • the display sub-module 321 is configured to display a pre-stored list of fund accounts bound by the local login account
  • the obtaining sub-module 322 is configured to acquire an account identifier of the first fund account and an account identifier of the local login account after receiving the selection instruction corresponding to the first fund account in the fund account list.
  • the acquiring module 320 includes:
  • the determining submodule 323 is configured to determine, in the fund account bound to the local login account, a second fund account whose usage time is closest to the current time;
  • the obtaining submodule 324 is configured to obtain an account identifier of the second funds account and an account identifier of the local login account.
  • the apparatus further includes an adding module 340 configured to:
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • Account ID local login account information and user input Transmitting information, sending a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to perform the transfer processing indicated by the transfer information from the local login account to the first account, such that You can trigger the transfer of the corresponding account through the transfer function option on the contact information page, without the user having to manually input the account name of the account to be transferred, thereby improving the efficiency of the transfer processing.
  • the device for performing the transfer process in the above embodiment is only illustrated by the division of the above-mentioned functional modules. In actual applications, the functions may be allocated by different functional modules as needed. Completion, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above.
  • the apparatus for performing the transfer processing provided by the foregoing embodiment is the same as the method for performing the transfer processing. The specific implementation process is described in detail in the method embodiment, and details are not described herein again.
  • a schematic structural diagram of a terminal is also shown in the embodiment of the present disclosure.
  • the terminal can be a mobile phone or the like.
  • terminal 800 can include one or more of the following components: processing component 802, memory 804, power component 806, multimedia component 808, audio component 810, input/output (I/O) interface 812, sensor component 814, And a communication component 816.
  • Processing component 802 typically controls the overall operation of terminal 800, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations.
  • Processing component 802 can include one or more processors 820 to execute instructions to perform all or part of the steps of the above described methods.
  • processing component 802 can include one or more modules to facilitate interaction between component 802 and other components.
  • processing component 802 can include a multimedia module to facilitate interaction between multimedia component 808 and processing component 802.
  • Memory 804 is configured to store various types of data to support operation at terminal 800. Examples of such data include instructions for any application or method operating on terminal 800, contact data, phone book data, messages, pictures, videos, and the like.
  • Memory 804 can be any Types of volatile or non-volatile storage devices or combinations thereof, such as static random access memory (SRAM), electrically erasable programmable read only memory (EEPROM), erasable programmable read only memory (EPROM), Programmable Read Only Memory (PROM), Read Only Memory (ROM), Magnetic Memory, Flash Memory, Disk or Optical Disk.
  • SRAM static random access memory
  • EEPROM electrically erasable programmable read only memory
  • EPROM erasable programmable read only memory
  • PROM Programmable Read Only Memory
  • ROM Read Only Memory
  • Magnetic Memory Flash Memory
  • Disk Disk or Optical Disk.
  • Power component 806 provides power to various components of terminal 800.
  • Power component 806 can include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for audio output device 800.
  • the multimedia component 808 includes a screen that provides an output interface between the terminal 800 and the user.
  • the screen can include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen can be implemented as a touch screen to receive input signals from the user.
  • the touch panel includes one or more touch sensors to sense touches, slides, and gestures on the touch panel. The touch sensor may sense not only the boundary of the touch or sliding action, but also the duration and pressure associated with the touch or slide operation.
  • the multimedia component 808 includes a front camera and/or a rear camera. When the terminal 800 is in an operation mode such as a shooting mode or a video mode, the front camera and/or the rear camera can receive external multimedia data. Each front and rear camera can be a fixed optical lens system or have focal length and optical zoom capabilities.
  • the audio component 810 is configured to output and/or input an audio signal.
  • the audio component 810 includes a microphone (MIC) that is configured to receive an external audio signal when the audio output device 800 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode.
  • the received audio signal may be further stored in memory 804 or transmitted via communication component 816.
  • the I/O interface 812 provides an interface between the processing component 802 and the peripheral interface module, which may be a keyboard, a click wheel, a button, or the like. These buttons may include, but are not limited to, a home button, a volume button, a start button, and a lock button.
  • Sensor assembly 814 includes one or more sensors for providing various aspects to terminal 800 State assessment of the face.
  • sensor component 814 can detect an open/closed state of terminal 800, a relative positioning of components, such as the display and keypad of terminal 800, and sensor component 814 can also detect a change in position of a component of terminal 800 or terminal 800. The presence or absence of contact of the user with the terminal 800, the orientation or acceleration/deceleration of the terminal 800 and the temperature change of the terminal 800.
  • Sensor assembly 814 can include a proximity sensor configured to detect the presence of nearby objects without any physical contact.
  • Sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications.
  • the sensor assembly 814 can also include an acceleration sensor, a gyro sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
  • Communication component 816 is configured to facilitate wired or wireless communication between terminal 800 and other devices.
  • the terminal 800 can access a wireless network based on a communication standard such as WiFi, 2G or 3G, or a combination thereof.
  • the communication component 816 receives broadcast signals or broadcast associated information from an external broadcast management system via a broadcast channel.
  • the communication component 816 also includes a near field communication (NFC) module to facilitate short range communication.
  • NFC near field communication
  • the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
  • RFID radio frequency identification
  • IrDA infrared data association
  • UWB ultra-wideband
  • Bluetooth Bluetooth
  • terminal 800 may be implemented by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable A gate array (FPGA), controller, microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGA field programmable A gate array
  • controller microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • non-transitory computer readable storage medium comprising instructions, such as a memory 804 comprising instructions executable by processor 820 of terminal 800 to perform the above method.
  • the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
  • a non-transitory computer readable storage medium which enables a terminal to perform the above-described method of performing a transfer process when an instruction in the storage medium is executed by a processor of the terminal.
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • the account identifier, the information of the local login account, and the transfer information input by the user send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to be the first from the local login account.
  • the account performs the transfer processing indicated by the transfer information, so that the transfer of the corresponding account can be triggered by the transfer function option of the contact information page, without the user having to manually input the account name of the account to be transferred, thereby improving the efficiency of the transfer processing.
  • a person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium.
  • the storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.
  • the contact information page of the first contact is displayed, and the contact information page includes a transfer function option corresponding to the first account of the first contact, and when the trigger instruction of the transfer function option is received, the first account is acquired.
  • the account identifier, the information of the local login account, and the transfer information input by the user send a transfer request carrying the account identifier of the first account, the information of the local login account, and the transfer information to the server, and the server is configured to be the first from the local login account.
  • the account performs the transfer processing indicated by the transfer information, so that the transfer of the corresponding account can be triggered by the transfer function option of the contact information page, without the user having to manually input the account of the account to be transferred.
  • the name of the account can improve the efficiency of the transfer process.

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Abstract

本公开是关于一种进行转账处理的方法和装置，属于计算机技术领域。所述方法包括：显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。

Description

一种进行转账处理的方法和装置 技术领域
本公开涉及计算机技术领域，特别涉及一种进行转账处理的方法和装置。
背景技术
随着移动终端技术的发展，移动终端的用途越来越广泛，已经成为了人们日常工作、生活中最重要的工具之一。移动终端除了可以进行移动通信以外，还可以基于互联网实现视频观看、信息查询和转账等多种功能，其中，转账功能是人们生活中最重要的功能之一。
人们需要在移动终端安装具有转账功能的应用程序，如支付宝，当人们进行转账时，可以启动支付宝，在支付宝中点击转账选项，进而可以输入待转账账户的账户名，然后进行转账操作。
发明内容
本公开实施例提供了一种进行转账处理的方法和装置。所述技术方案如下：
第一方面，提供了一种进行转账处理的方法，所述方法包括：
显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户 向所述第一账户进行所述转账信息所指示的转账处理。
可选的，所述获取本地登录账户的信息，包括：
显示预先存储的本地登录账户绑定的资金账户列表；
当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
可选的，所述获取本地登录账户的信息，包括：
在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；
获取所述第二资金账户的账户标识和本地登录账户的账户标识。
可选的，所述方法还包括：
接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；
在所述目标账户的账户标识对应的联系信息页面中添加转账功能选项。
第二方面，提供了一种进行转账处理的装置，所述装置包括：
显示模块，配置为显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
获取模块，配置为当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
发送模块，配置为向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
可选的，所述获取模块，包括：
显示子模块，配置为显示预先存储的本地登录账户绑定的资金账户列表；
获取子模块，配置为当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
可选的，所述获取模块，包括：
确定子模块，配置为在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；
获取子模块，配置为获取所述第二资金账户的账户标识和本地登录账户的账户标识。
可选的，所述装置还包括添加模块，配置为：
接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；
在所述目标账户的账户标识对应的联系信息页面中添加转账功能选项。
根据本公开实施例的第三方面，提供了一种进行转账处理的装置，所述装置包括：
处理器；
配置为存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
本公开实施例提供的技术方案带来的有益效果是：
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账户名，从而可以提高转账处理的效率。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性和解释性的，并不能限制本公开。
附图说明
为了更清楚地说明本公开实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本公开的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是本公开实施例提供的一种进行转账处理的方法流程图；
图2是本公开实施例提供的界面显示示意图；
图3是本公开实施例提供的一种进行转账处理的装置结构示意图；
图4是本公开实施例提供的一种进行转账处理的装置结构示意图；
图5是本公开实施例提供的一种进行转账处理的装置结构示意图；
图6是本公开实施例提供的一种进行转账处理的装置结构示意图；
图7是本公开实施例提供的一种终端的结构示意图。
通过上述附图，已示出本公开明确的实施例，后文中将有更详细的描述。这些附图和文字描述并不是为了通过任何方式限制本公开构思的范围， 而是通过参考特定实施例为本领域技术人员说明本公开的概念。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本公开相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本公开的一些方面相一致的装置和方法的例子。
实施例一
本公开实施例提供了一种进行转账处理的方法，如图1所示，该方法的处理流程可以包括如下的步骤：
步骤101，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项。
步骤102，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息。
步骤103，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理。
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账户名，从而可以提高转账处理的效率。
实施例二
本公开实施例提供了一种进行转账处理的方法，该方法可以用于设置有联系人列表的终端(如手机、平板电脑等)中。终端可以是手机、平板电脑等移动终端。在本实施例中，以执行主体为手机为例，进行方案的详细说明，其它情况与之类似，本实施例不再进行累述。
下面将结合具体实施方式，对图1所示的处理流程进行详细的说明，内容可以如下：
步骤101，显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项。
在实施中，用户可以在终端安装有转账功能的应用程序，并且可以通过该应用程序向服务器注册账户，设置相应的账户密码，以便通过该账户进行转账。用户还可以通过该应用程序将注册的账户与自己的资金账户进行绑定(如某银行账户)。另外，技术人员可以在终端预先编写转账功能对应的程序代码，以使移动终端支持转账功能。当用户需要转账时，可以在终端点击联系人应用对应的图标，终端则会接收到联系人访问指令，然后显示本地的联系人列表。
用户可以在联系人列表中点击需要转账的联系人、打开联系人信息页面，该联系人信息页面中包含对应需要转账的联系人的第一账户的转账功能选项。如图2所示，联系信息页面中可以显示有该联系人的姓名和电话号码等信息，还可以显示有设置铃声按键、收藏按键和转账按键(即为转账功能选项21)等，以便用户对第一账户进行设置或转账等操作。
另外，触发终端显示第一账户的转账功能选项的方式可以是多样的。例如，用户可以在联系人列表中长按联系人来触发终端显示转账功能选项，当终端检测到用户针对联系人列表中的某联系人的触碰时间超过预设时长时，可以在当前的显示界面中弹出操作选项列表，操作选项列表中可以显 示有转账功能选项，还可以显示有删除联系人、设置黑名单、和发送信息等功能选项；或者，用户可以通过滑动操作来触发终端显示转账功能选项，终端可以在检测到针对联系人列表中的某联系人的滑动触碰信号时，显示对应第一账户的转账功能选项。
步骤102，当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息。
其中，转账信息可以包括转账金额和本地登录账户的账户密码。
在实施中，用户可以在上述需要转账的联系人的联系信息页面中点击转账功能选项，终端则会收到转账功能选项的触发指令，然后显示转账页面，用户可以在转账页面中输入转账信息，即转账金额和本地登录账户的账户密码，然后点击确定按键，终端则可以获取第一账户的账户标识(如第一账户的手机号)、本地登录账户的信息(如本地的手机号)和用户输入的转账金额和本地登录账户的账户密码，本地登录账户的信息可以包括与第一账户绑定的资金账户的账户标识和本地登录账户的账户标识。
可选的，用户可以选择希望使用的资金账户，相应的处理过程可以如下：显示预先存储的本地登录账户绑定的资金账户列表；当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
在实施中，本地登录账户的信息可以包括本地登录账户的账户标识和用户选取的第一资金账户的账户标识。用户可以通过上述应用程序将注册的账户与自己的多个资金账户进行绑定(如银行账户)。用户在需要转账的联系人的联系信息页面点击转账功能选项后，终端则会显示转账金额输入页面，转账金额输入页面中可以显示有用于输入转账金额的输入框，用户可以在输入框中转账金额，点击确定按键，终端则会显示资金账户选择页面，资金账户选择页面中可以显示有本地登录账户绑定的资金账户列表， 该资金账户列表中可以显示有各资金账户的账户标识(如银行卡卡号)，资金账户选择页面中还可以显示有转账金额和用于输入账户密码的输入框，用户可以数据本地登录账户的账户密码，在资金账户列表中选择希望使用的资金账户(即第一资金账户)，终端则会接收到对应第一资金账户的选取指令的选取指令，然后可以获取用户输入的转账金额和本地登录账户的账户密码、第一账户的账户标识(如第一账户的手机号)和本地登录账户的账户标识(如本地的手机号)。
可选的，终端可以自动选择资金账户，相应的处理过程可以如下：在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；获取所述第二资金账户的账户标识和本地登录账户的账户标识。
在实施中，本地登录账户的信息可以包括本地登录账户的账户标识和终端确定出的第二资金账户的账户标识。用户可以使用本地登录账户进行转账和支付等操作，终端则可以对用户的转账和支付等操作进行记录。具体地，用户进行转账或支付操作后，终端可以获取用户本次进行转账或支付的时间(即资金账户的使用时间)，并可以获取本次操作使用的资金账户，终端可以将本次操作使用的资金账户与本次的时间进行对应的存储，建立资金账户的使用时间与资金账户的对应关系。当终端接收到转账功能选项的触发指令时，终端可以在上述对应关系中查询与当前时间最接近的使用时间对应的资金账户，将该资金账户作为待使用的资金账户(即第二资金账户)，然后终端可以获取第二资金账户的账户标识、第一账户的账户标识、本地登录账户的账户标识和用户输入的转账信息，以便进行后续处理。
步骤103，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理。
在实施中，终端获取第一账户的账户标识、本地登录账户的账户标识 和用户输入的转账金额和本地登录账户的账户密码之后，可以将上述信息携带在转账请求中，发送给服务器。服务器则会接收到终端发送的转账请求，然后对转账请求进行解析获取其中的信息，进而可以对本地登录账户的账户标识和本地登录账户的账户密码进行验证，验证通过之后，则可以根据第一账户的账户标识和用户输入的转账金额进行转账处理。
可选的，对于上述用户选择希望使用的资金账户的情况，相应的，步骤103的处理过程可以如下：向服务器发送携带有所述第一资金账户的账户标识、第一账户的账户标识、所述本地登录账户的账户标识和所述转账信息的转账请求。
在实施中，终端获取第一资金账户的账户标识、第一账户的账户标识、所述本地登录账户的账户标识和所述转账信息之后，可以将上述信息携带在转账请求中，发送给服务器。
可选的，对于上述终端可以自动选择资金账户的情况，相应的，步骤103的处理过程可以如下：向服务器发送携带有所述第二资金账户的账户标识、第一账户的账户标识、所述本地登录账户的账户标识和所述转账信息的转账请求。
在实施中，终端获取第二资金账户的账户标识、第一账户的账户标识、所述本地登录账户的账户标识和所述转账信息之后，可以将上述信息携带在转账请求中，发送给服务器。
可选的，终端可以在联系信息页面中添加转账功能选项，相应的处理过程可以如下：接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；在所述目标账户的账户标识对应的联系信息页面中添加转账功能选项。
在实施中，如果联系人列表中的某联系人未通过上述有转账功能的应用程序向服务器注册账户，则该联系人对应的联系信息页面中，将不会显 示转账功能选项。当该联系人需要使用该应用程序时，该联系人可以在终端安装上述有转账功能的应用程序，该联系人通过该应用程序向服务器注册账户时，会向服务器发送账户注册请求，账户注册请求中可以携带有待注册账户的账户标识(如该联系人的手机号)和账户密码等信息，服务器会接收到该联系人的账户注册请求，进行相应的注册处理，服务器还可以在本地存储的联系人列表中查询存储有该联系人的联系人列表，然后向查询到的联系人列表所属的账户发送转账账户添加请求，转账账户添加请求中携带有上述联系人的账户标识(即目标账户的账户标识)，则该账户的终端可以接收到该转账账户添加请求，然后可以在本地的联系人列表中，目标账户对应的联系信息页面中添加转账功能选项，以便后续对目标账户进行转账。
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账户名，从而可以提高转账处理的效率。
实施例三
基于相同的技术构思，本公开实施例还提供了一种进行转账处理的装置，如图3所示，该装置包括：显示模块310、获取模块320和发送模块330。
显示模块310，配置为显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
获取模块320，配置为当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
发送模块330，配置为向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
可选的，如图4所示，所述获取模块320，包括：
显示子模块321，配置为显示预先存储的本地登录账户绑定的资金账户列表；
获取子模块322，配置为当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
可选的，如图5所示，所述获取模块320，包括：
确定子模块323，配置为在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；
获取子模块324，配置为获取所述第二资金账户的账户标识和本地登录账户的账户标识。
可选的，如图6所示，所述装置还包括添加模块340，配置为：
接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；
在所述目标账户的账户标识对应的联系信息页面中添加转账功能按键。
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输 入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账户名，从而可以提高转账处理的效率。
需要说明的是：上述实施例提供的进行转账处理的装置在进行转账处理时，仅以上述各功能模块的划分进行举例说明，实际应用中，可以根据需要而将上述功能分配由不同的功能模块完成，即将设备的内部结构划分成不同的功能模块，以完成以上描述的全部或者部分功能。另外，上述实施例提供的进行转账处理的装置与进行转账处理的方法实施例属于同一构思，其具体实现过程详见方法实施例，这里不再赘述。
实施例四
本公开实施例还示出的一种终端的结构示意图。该终端可以是手机等。
参照图7，终端800可以包括以下一个或多个组件：处理组件802，存储器804，电源组件806，多媒体组件808，音频组件810，输入/输出(I/O)的接口812，传感器组件814，以及通信组件816。
处理组件802通常控制终端800的整体操作，诸如与显示，电话呼叫，数据通信，相机操作和记录操作相关联的操作。处理元件802可以包括一个或多个处理器820来执行指令，以完成上述的方法的全部或部分步骤。此外，处理组件802可以包括一个或多个模块，便于处理组件802和其他组件之间的交互。例如，处理部件802可以包括多媒体模块，以方便多媒体组件808和处理组件802之间的交互。
存储器804被配置为存储各种类型的数据以支持在终端800的操作。这些数据的示例包括用于在终端800上操作的任何应用程序或方法的指令，联系人数据，电话簿数据，消息，图片，视频等。存储器804可以由任何 类型的易失性或非易失性存储设备或者它们的组合实现，如静态随机存取存储器(SRAM)，电可擦除可编程只读存储器(EEPROM)，可擦除可编程只读存储器(EPROM)，可编程只读存储器(PROM)，只读存储器(ROM)，磁存储器，快闪存储器，磁盘或光盘。
电力组件806为终端800的各种组件提供电力。电力组件806可以包括电源管理系统，一个或多个电源，及其他与为音频输出设备800生成、管理和分配电力相关联的组件。
多媒体组件808包括在所述终端800和用户之间的提供一个输出接口的屏幕。在一些实施例中，屏幕可以包括液晶显示器(LCD)和触摸面板(TP)。如果屏幕包括触摸面板，屏幕可以被实现为触摸屏，以接收来自用户的输入信号。触摸面板包括一个或多个触摸传感器以感测触摸、滑动和触摸面板上的手势。所述触摸传感器可以不仅感测触摸或滑动动作的边界，而且还检测与所述触摸或滑动操作相关的持续时间和压力。在一些实施例中，多媒体组件808包括一个前置摄像头和/或后置摄像头。当终端800处于操作模式，如拍摄模式或视频模式时，前置摄像头和/或后置摄像头可以接收外部的多媒体数据。每个前置摄像头和后置摄像头可以是一个固定的光学透镜系统或具有焦距和光学变焦能力。
音频组件810被配置为输出和/或输入音频信号。例如，音频组件810包括一个麦克风(MIC)，当音频输出设备800处于操作模式，如呼叫模式、记录模式和语音识别模式时，麦克风被配置为接收外部音频信号。所接收的音频信号可以被进一步存储在存储器804或经由通信组件816发送。
I/O接口812为处理组件802和外围接口模块之间提供接口，上述外围接口模块可以是键盘，点击轮，按钮等。这些按钮可包括但不限于：主页按钮、音量按钮、启动按钮和锁定按钮。
传感器组件814包括一个或多个传感器，用于为终端800提供各个方 面的状态评估。例如，传感器组件814可以检测到终端800的打开/关闭状态，组件的相对定位，例如所述组件为终端800的显示器和小键盘，传感器组件814还可以检测终端800或终端800一个组件的位置改变，用户与终端800接触的存在或不存在，终端800方位或加速/减速和终端800的温度变化。传感器组件814可以包括接近传感器，被配置用来在没有任何的物理接触时检测附近物体的存在。传感器组件814还可以包括光传感器，如CMOS或CCD图像传感器，用于在成像应用中使用。在一些实施例中，该传感器组件814还可以包括加速度传感器，陀螺仪传感器，磁传感器，压力传感器或温度传感器。
通信组件816被配置为便于终端800和其他设备之间有线或无线方式的通信。终端800可以接入基于通信标准的无线网络，如WiFi，2G或3G，或它们的组合。在一个示例性实施例中，通信部件816经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中，所述通信部件816还包括近场通信(NFC)模块，以促进短程通信。例如，在NFC模块可基于射频识别(RFID)技术，红外数据协会(IrDA)技术，超宽带(UWB)技术，蓝牙(BT)技术和其他技术来实现。
在示例性实施例中，终端800可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或其他电子元件实现，用于执行上述方法。
在示例性实施例中，还提供了一种包括指令的非临时性计算机可读存储介质，例如包括指令的存储器804，上述指令可由终端800的处理器820执行以完成上述方法。例如，所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
一种非临时性计算机可读存储介质，当所述存储介质中的指令由终端的处理器执行时，使得终端能够执行上述进行转账处理的方法。
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账户名，从而可以提高转账处理的效率。
本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
以上所述仅为本公开的较佳实施例，并不用以限制本公开，凡在本公开的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本公开的保护范围之内。
工业实用性
本公开实施例中，显示第一联系人的联系信息页面，联系信息页面中包含对应第一联系人的第一账户的转账功能选项，当接收到转账功能选项的触发指令时，获取第一账户的账户标识、本地登录账户的信息和用户输入的转账信息，向服务器发送携带有第一账户的账户标识、本地登录账户的信息和转账信息的转账请求，服务器配置为从本地登陆账户向第一账户进行转账信息所指示的转账处理，这样，可以通过联系信息页面的转账功能选项，触发对相应的账户进行转账，无需用户手动输入待转账账户的账 户名，从而可以提高转账处理的效率。

Claims (9)

  1. 一种进行转账处理的方法，所述方法包括：
    显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
    当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
    向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
  2. 根据权利要求1所述的方法，其中，所述获取本地登录账户的信息，包括：
    显示预先存储的本地登录账户绑定的资金账户列表；
    当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
  3. 根据权利要求1所述的方法，其中，所述获取本地登录账户的信息，包括：
    在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；
    获取所述第二资金账户的账户标识和本地登录账户的账户标识。
  4. 根据权利要求1所述的方法，其中，所述方法还包括：
    接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；
    在所述目标账户的账户标识对应的联系信息页面中添加转账功能选项。
  5. 一种进行转账处理的装置，所述装置包括：
    显示模块，配置为显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
    获取模块，配置为当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
    发送模块，配置为向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
  6. 根据权利要求5所述的装置，其中，所述获取模块，包括：
    显示子模块，配置为显示预先存储的本地登录账户绑定的资金账户列表；
    获取子模块，配置为当接收到对应所述资金账户列表中第一资金账户的选取指令后，获取所述第一资金账户的账户标识和本地登录账户的账户标识。
  7. 根据权利要求5所述的装置，其中，所述获取模块，包括：
    确定子模块，配置为在本地登录账户绑定的资金账户中，确定使用时间与当前时间最接近的第二资金账户；
    获取子模块，配置为获取所述第二资金账户的账户标识和本地登录账户的账户标识。
  8. 根据权利要求5所述的装置，其中，所述装置还包括添加模块，配置为：
    接收所述服务器发送的转账账户添加请求，所述转账账户添加请求中携带有目标账户的账户标识；
    在所述目标账户的账户标识对应的联系信息页面中添加转账功能选项。
  9. 一种进行转账处理的装置，包括：
    处理器；
    配置为存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    显示第一联系人的联系信息页面，所述联系信息页面中包含对应所述第一联系人的第一账户的转账功能选项；
    当接收到所述转账功能选项的触发指令时，获取所述第一账户的账户标识、本地登录账户的信息和用户输入的转账信息；
    向服务器发送携带有所述第一账户的账户标识、所述本地登录账户的信息和所述转账信息的转账请求，所述服务器配置为从所述本地登陆账户向所述第一账户进行所述转账信息所指示的转账处理。
PCT/CN2015/093277 2015-02-16 2015-10-29 一种进行转账处理的方法和装置 Ceased WO2016131303A1 (zh)

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