WO2017128321A1 - 根据电子账户资金额度匹配信息提示的方法及提示系统 - Google Patents

根据电子账户资金额度匹配信息提示的方法及提示系统 Download PDF

Info

Publication number
WO2017128321A1
WO2017128321A1 PCT/CN2016/072882 CN2016072882W WO2017128321A1 WO 2017128321 A1 WO2017128321 A1 WO 2017128321A1 CN 2016072882 W CN2016072882 W CN 2016072882W WO 2017128321 A1 WO2017128321 A1 WO 2017128321A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
electronic account
information
prompting
account fund
Prior art date
Application number
PCT/CN2016/072882
Other languages
English (en)
French (fr)
Inventor
吕璇
Original Assignee
吕璇
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 吕璇 filed Critical 吕璇
Priority to PCT/CN2016/072882 priority Critical patent/WO2017128321A1/zh
Publication of WO2017128321A1 publication Critical patent/WO2017128321A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • the invention belongs to the field of internet finance, and provides a method and a prompting system for matching information prompts according to the electronic account fund quota.
  • the embodiment of the invention provides a method and a prompting system for matching information prompts according to the electronic account fund quota, which can match the balance of the user account funds with the account fund amount set by the user, so that the system can timely find out whether the client has sufficient funds.
  • On-line shopping on the one hand to ensure that users have sufficient funds when doing online shopping, not to miss the opportunity to buy, on the other hand, can protect the security of electronic account funds, prevent the loss of money.
  • the present invention is implemented in such a manner that a method for matching information prompts according to an electronic account fund amount includes the following steps:
  • the embodiment of the invention further provides a prompting system, including:
  • a recording unit configured to record user-set electronic account fund quota information and current electronic account fund quota information
  • the reading unit is connected to the output end of the recording unit for reading the electronic account fund quota information set by the user and the current electronic account fund quota information;
  • the determining unit is connected to the output end of the reading unit, and is configured to determine whether the current electronic account quota is lower than the account fund quota set by the user;
  • the control unit is connected to the output end of the judging unit. If the current account capital amount is lower than the account fund quota set by the user, the information prompting the customer to transfer is issued.
  • the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed.
  • the opportunity to snap up, on the other hand, can protect the security of electronic accounts and prevent the loss of money.
  • FIG. 1 is a schematic flow chart of a method for prompting matching information according to an electronic account fund quota according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a method for prompting information matching according to an electronic account fund quota provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
  • step S101 the electronic account fund amount information set by the user and the current electronic account fund amount information are recorded.
  • Recording the account asset quota information set by the user requires the customer to reasonably estimate according to the daily expenses of their daily online shopping. If the set amount of funds is too low, once the user's favorite goods appear, but the purchase payment is insufficient, miss the opportunity; if the funds are set If the amount is too high, you will often receive information indicating the transfer, which will cause unnecessary troubles. Therefore, you should set a reasonable amount of funds according to the user's daily expenses.
  • step S102 the electronic account fund amount information set by the user and the current electronic account fund amount information are read.
  • step S103 it is determined whether the current electronic account quota is lower than the account fund quota set by the user; if not, the process proceeds to step S104. It is considered that the funds are sufficient, and no information is sent to prompt the customer to transfer the money; if yes, the process proceeds to step S105, and the information prompting the customer to make the transfer is issued.
  • the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed.
  • the opportunity to snap up, on the other hand, can protect the security of electronic accounts and prevent the loss of money.
  • FIG. 2 is a schematic structural diagram of a prompting system according to an embodiment of the present invention, where the prompting system includes:
  • the recording unit 21 is configured to record the electronic account fund quota information set by the user and the current electronic account fund quota information;
  • Reading unit 22, and recording unit 21 The output terminal is connected to read the electronic account fund quota information set by the user and the current electronic account fund quota information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current electronic account quota is lower than the account fund amount set by the user;
  • Control unit 24, and judgment unit 23 The output ends are connected. If the current account fund amount is lower than the account fund amount set by the user, a message prompting the customer to transfer the money is issued.
  • the working principle is: the recording unit 21 records the electronic account fund quota information set by the user and the current electronic account fund quota information; the reading unit 22 reading the electronic account fund quota information set by the user and the current electronic account fund quota information; the determining unit 23 determines whether the current electronic account quota is lower than the account fund quota set by the user; the control unit 24 When the current account fund amount is lower than the account fund amount set by the user, a message prompting the customer to make a transfer is issued.
  • the invention enables the system to find out in time whether the customer has sufficient funds to conduct online shopping, and on the other hand, to ensure that the user has sufficient funds when making online shopping, and is not missed.
  • the opportunity to snap up, on the other hand, can protect the security of electronic accounts and prevent the loss of money.

Abstract

一种根据电子账户资金额度匹配信息提示的方法及提示系统，所述方法包括：记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息（S101）；判断当前电子账户额度是否低于用户设定的账户资金额度（S103）；若否，视为资金充裕，不发出提示客户进行转账的信息（S104）；若是，发出提示客户进行转账的信息（S105）。该方法及提示系统通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。

Description

根据电子账户资金额度匹配信息提示的方法及提示系统 技术领域
本发明属于互联网金融 领域 ，提供了一种根据电子账户资金额度匹配信息提示的方法及提示系统。
背景技术
现在网上购物已风靡国内，用户足不出户，就可以货比三家，仅仅只是通过点击鼠标，输入密码就可以实现购物，然后坐等送货上门，电商的发展虽然极大的便利了消费者，但是网上窃取密匙，盗取账号，进行电子商务犯罪的现象也时有发生，据 2015 年第一季度网络诈骗犯罪数据研究报告》统计，自北京网络安全反诈骗联盟成立一年以来，共拦截恶意网址、钓鱼网站 406 亿次，收录被举报涉嫌诈骗网站 17.8 万余个，网络犯罪猖獗可见一斑。
为了防止电子账户被盗，巨额资产被划拨，现在风险意识较强的用户基本是同时开设几个账户，其中一个账户与电子账户相关联，其他账户不与电子账户相关联，电子账户仅仅只是留存较少资金，在购买物品资金不够时，就通过其他账户进行转账，这虽然保证的资金的安全，有效的防范了网络犯罪，但是也存在诸多不便，比如，因为电子账户额度较小，经常出现余额不足的情况，当出现限时促销活动中，往往因为电子账户'囊中羞涩'而错失购物良机。但是如果贪图方便，将大额资金直接存入电子账户，往往不能起到'风险隔离'的作用，一旦失窃，损失惨重。
综上，需要对既有电子账户系统进行适当的改造，通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。
 技术问题
本发明实施例提供了一种根据电子账户资金额度匹配信息提示的方法及提示系统，能够通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。
技术解决方案
本发明是这样实现的：一种根据电子账户资金额度匹配信息提示的方法，包括以下步骤：
记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
判断当前电子账户额度是否低于用户设定的账户资金额度；
若否，视为资金充裕，不发出提示客户进行转账的信息；
若是，发出提示客户进行转账的信息。
本发明实施例还提供了一种提示系统，包括：
记录单元，用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
读取单元，与记录单元输出端向连接，用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
判断单元，与读取单元的输出端相连接，用于判断当前电子账户额度是否低于用户设定的账户资金额度；
调控单元，与判断单元的输出端相连接，若当前账户资金额度低于用户设定的账户资金额度时，则发出提示客户进行转账的信息。
 有益效果
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。
附图说明
图 1 是本发明实施例提供的一种根据电子账户资金额度匹配信息提示方法 的流程示意图 ；
图 2 是本发明实施例提供的提示系统的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种根据电子账户资金额度匹配信息提示方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息。
记录用户设定的账户资产额度信息，需要客户根据自身日常网上购物日常费用合理估算，如果设置资金额度太低，一旦出现用户中意的商品，但购物付款中却资金不足，错失良机；如果设置资金额度太高，则经常会收到提示转账的信息，造成不必要的困扰，所以应当按照用户日常开销设定合理的资金额度。
在步骤 S102 中，读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息。
在步骤 S103 中，判断当前电子账户额度是否低于用户设定的账户资金额度；若否，进入步骤 S104 ，视为资金充裕，不发出提示客户进行转账的信息；若是，进入步骤 S105 ，发出提示客户进行转账的信息。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。
图 2 是本发明实施例提供的一种提示系统的结构示意图，该提示系统包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，其中
记录单元 21 ，用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
读取单元 22 ，与记录单元 21 输出端向连接，用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
判断单元 23 ，与读取单元 22 的输出端相连接，用于判断当前电子账户额度是否低于用户设定的账户资金额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前账户资金额度低于用户设定的账户资金额度时，则发出提示客户进行转账的信息。
其工作原理是：记录单元 21 记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；读取单元 22 读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；判断单元 23 判断当前电子账户额度是否低于用户设定的账户资金额度；调控单元 24 在当前账户资金额度低于用户设定的账户资金额度时，发出提示客户进行转账的信息。
该发明通过将用户账户资金余额与用户设定的账户资金额度相匹配，让系统能够及时发现客户是否有充足资金进行网上购物，一方面保证用户在进行网上购物时有充裕的资金，不至于错失抢购时机，另一方面又可以保障电子账户资金安全，防止钱财的遗失。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种根据电子账户资金额度匹配信息提示的方法，其特征在于，所述方法包括如下步骤：
    记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
    读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
    判断当前电子账户额度是否低于用户设定的账户资金额度；
    若否，视为资金充裕，不发出提示客户进行转账的信息；
    若是，发出提示客户进行转账的信息。
  2. 一种提示系统，其特征在于，所述提示系统包括：
    记录单元，用于记录用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
    读取单元，与记录单元输出端向连接，用于读取用户设定的电子账户资金额度信息和当前电子账户资金额度信息；
    判断单元，与读取单元的输出端相连接，用于判断当前电子账户额度是否低于用户设定的账户资金额度；
    调控单元，与判断单元的输出端相连接，若当前账户资金额度低于用户设定的账户资金额度时，则发出提示客户进行转账的信息。
PCT/CN2016/072882 2016-01-29 2016-01-29 根据电子账户资金额度匹配信息提示的方法及提示系统 WO2017128321A1 (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072882 WO2017128321A1 (zh) 2016-01-29 2016-01-29 根据电子账户资金额度匹配信息提示的方法及提示系统

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2016/072882 WO2017128321A1 (zh) 2016-01-29 2016-01-29 根据电子账户资金额度匹配信息提示的方法及提示系统

Publications (1)

Publication Number Publication Date
WO2017128321A1 true WO2017128321A1 (zh) 2017-08-03

Family

ID=59397196

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2016/072882 WO2017128321A1 (zh) 2016-01-29 2016-01-29 根据电子账户资金额度匹配信息提示的方法及提示系统

Country Status (1)

Country Link
WO (1) WO2017128321A1 (zh)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101099181A (zh) * 2004-11-05 2008-01-02 移动货币国际公司 电子钱包交易方法和系统
CN101827181A (zh) * 2010-03-03 2010-09-08 中兴通讯股份有限公司 一种预付费账户自动充值的装置及方法
CN102486858A (zh) * 2009-11-03 2012-06-06 中国电信股份有限公司 一种利用ota充值的rfid手机支付方法和系统
CN103337022A (zh) * 2013-06-05 2013-10-02 袁义青 一种公共交通电子系统
WO2015016374A1 (ja) * 2013-08-02 2015-02-05 株式会社Ｎｔｔドコモ 通知装置、通知システム、通知方法、およびプログラム

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101099181A (zh) * 2004-11-05 2008-01-02 移动货币国际公司 电子钱包交易方法和系统
CN102486858A (zh) * 2009-11-03 2012-06-06 中国电信股份有限公司 一种利用ota充值的rfid手机支付方法和系统
CN101827181A (zh) * 2010-03-03 2010-09-08 中兴通讯股份有限公司 一种预付费账户自动充值的装置及方法
CN103337022A (zh) * 2013-06-05 2013-10-02 袁义青 一种公共交通电子系统
WO2015016374A1 (ja) * 2013-08-02 2015-02-05 株式会社Ｎｔｔドコモ 通知装置、通知システム、通知方法、およびプログラム

Similar Documents

Publication Publication Date Title
US10762477B2 (en) Secure real-time processing of payment transactions
US7664701B2 (en) Masking private billing data by assigning other billing data to use in commerce with businesses
US20090070263A1 (en) Peer to peer fund transfer
CN108711051A (zh) 一种基于区块链的知识产权交易共享平台及方法
JP2012128885A (ja) 金融手段を確認するためのシステムおよび方法
Chen et al. The security of shopping online
KR20050026950A (ko) 휴대폰을 이용한 전자상거래 결제 방법 및 시스템
CN107480540A (zh) 数据访问控制系统及方法
CN108009818A (zh) 一种基于分布式网络的线上支付方法及系统
TWM563592U (zh) 使用者身分查詢系統
WO2020064462A1 (en) An apparatus, computer program and method
US20020073339A1 (en) System and method to access secure information related to a user
US20160283943A1 (en) System and methods thereof for monitoring financial transactions from a credit clearing device
TW201905813A (zh) 具權限分級和避免重複執行的智能合約執行系統及其方法
CN114218591A (zh) 一种可实现匿名交易的数字资产管理方法
Shandan et al. Influencing factors of credibility in C2C ecommerce web sites
WO2017128321A1 (zh) 根据电子账户资金额度匹配信息提示的方法及提示系统
CN113516462A (zh) 一种基于区块链的量子现金结算系统及方法
Gong et al. The Solution of Safety of Electronic Cash in E-Commerce under Cloud Computing Environment
CN109345248A (zh) 一种区块链支付风险管理系统
CN107392753B (zh) 注销数字货币钱包的方法和系统
WO2016173055A1 (zh) 基于跨资金管理服务器的支付系统及方法、装置、服务器
WO2014146286A1 (zh) 利用实时通讯的银行卡安全支付系统和方法
CN104751324A (zh) 一种跨平台应用的电子商务系统
KR100778272B1 (ko) 계좌 숨김 기능을 갖는 인터넷 뱅킹 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16887205

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 16887205

Country of ref document: EP

Kind code of ref document: A1