WO2018098760A1

WO2018098760A1 - Rapid access method, device, and electronic apparatus for financial transaction

Info

Publication number: WO2018098760A1
Application number: PCT/CN2016/108161
Authority: WO
Inventors: 赵晓娜; 常新苗; 梅敬青
Original assignee: 华为技术有限公司
Priority date: 2016-11-30
Filing date: 2016-11-30
Publication date: 2018-06-07
Also published as: CN108605050B; CN108605050A

Abstract

Disclosed in embodiments of the present invention is a rapid access method for a financial transaction. The method is applicable to an electronic apparatus, and comprises: a first application of the electronic apparatus receiving information; analyzing, according to a predetermined keyword, context of the information; if financial transaction-related account information is determined, by means of the analysis, to be contained in the information, then generating a candidate payment application list; and calling, according to a selection of a user or the electronic apparatus, a first payment application in the candidate payment application list to complete a financial transaction. The present invention enables a rapid access to a related processing interface of a payment application by means of direct operation on account information of an account information receiving interface or on account information in a contact interface of a contact book, thus simplifying user operation and improving user experience.

Description

Method, device and electronic device for quickly entering financial transaction

Technical field

The present invention relates to the field of communications, and in particular, to a method, device, and electronic device for quickly entering a financial transaction.

Background technique

At present, there are many payment applications that can be used for financial transactions such as transfer or collection, such as Alipay, Baidu Wallet, Jingdong Wallet, paypal, google wallet, Yifubao and other third-party institutions and applications developed by major banking institutions.

When a user needs to use a payment application to transfer money or collect money to a friend or other person, he or she usually obtains the account information of the other party (such as a bank card number, payment application account, etc.) through some means (such as text messages, emails, instant messaging messages, etc.). Then, a payment application is selected from an electronic device (such as a mobile phone), and finally the received account information is input into a financial transaction interface such as a transfer or collection of the payment application, and the subsequent financial transaction can be completed. Among them, the more common way to enter account information, such as manually remembering the account information received, and manually input the account information to the corresponding location in the opened financial transaction interface, or copy the received account information, and then open The financial transaction interface pastes the copied account information into the corresponding location. The existing financial transaction mode is cumbersome for user operations. For example, the account information needs to be manually input to the corresponding location in the opened financial transaction interface. Since the financial account is usually long, it is easy to make mistakes, the user experience is not high, and in addition, input During the account process, the user may switch between the financial transaction interface and the account receiving interface multiple times, which is also time consuming.

Summary of the invention

The technical problem to be solved by the embodiments of the present invention is to provide a method for quickly entering a financial transaction, which is applied to an electronic device and directly manipulates the account information of the account information receiving interface or the account information of the contact interface in the address book. The related processing interface of the payment application solves the problems of cumbersome operation, low experience, and time consuming caused by switching between interfaces in the prior art.

The first aspect provides a method for quickly entering a financial transaction, where the method is used in an electronic device, including: a first application of the electronic device receives first information, and a context of the first information according to a preset keyword Performing an analysis; determining, by the analysis, that the first information is related to a financial transaction At the time of the account information, generating a list of alternative payment applications, the list of alternative payment applications comprising: one or more payment applications already installed in the electronic device; invoking the alternative payment according to the selection of the user or the electronic device The financial transaction is completed by a first payment application interface in the application list.

In the technical solution provided by the first aspect, the account information related to the financial transaction is obtained by performing analysis processing on the first information received by the first application, and then generating an alternative payment application list, and determining the first from the candidate payment application list. After the application is paid, the interface of the first payment application is directly invoked. The solution of the invention can directly call up the payment application by directly accessing the account information of the account information receiving interface or the account information of the contact interface in the address book, and enter the corresponding financial transaction interface to complete the transaction, and the user does not need to remember and input, Or copy and paste account information and switch back and forth between the account information interface and the payment application interface to simplify the operation steps and enhance the user experience.

In an alternative, the method provided by the first aspect, after the first application of the electronic device receives the first information, analyzes the context of the first information according to the preset keyword, and further includes: determining the Whether the first type of data includes a specified type of data, the specified type includes: one or more of a numeric string, an email address, and a transaction link; if the first information includes data of a specified type, according to the preset The keyword analyzes the context of the first information; if the first information does not include data of a specified type, the first information is not processed.

The above alternative method judges the information before the information analysis processing to see whether there is a specified type of data, and only when the information has the specified type of data, the analysis processing is performed, which reduces the calculation amount of the information analysis processing.

In an alternative, after the generating the candidate payment application list, before the selecting the first payment application in the candidate payment application list according to the user or the electronic device, the method further includes: The list of alternative payment applications is displayed on the electronic device. Thereby an alternative payment application list can be displayed for the user to select.

In an optional solution, the foregoing generating a list of candidate payment applications includes:

An alternative payment application list is generated based on account processing capabilities and the account information of each payment application installed in the electronic device.

The above alternative provides a method for generating a list of alternative payment applications, supporting the implementation of the first aspect scheme.

In an alternative, the generating a list of alternative payment applications includes: according to the installed Generating an account processing capability and the account information of each payment application in the electronic device, and an attribute of the context or account information of the first information, generating a list of candidate payment applications, wherein the context of the first information includes An identifier of the payment application, the attribute of the account information including an issuer of the account information.

The above alternative provides another generation scheme of the alternative payment application list, and considers the context or account information of the information when generating the candidate payment application list, so that the payment application in the generated alternative payment application list can Match context or account information for the message.

In an alternative, the generating, by the account processing capability and the account information of each application that is installed in the electronic device, generating an alternative payment application list, including: according to being installed in the electronic device The account processing capability of each payment application adds the one or more payment applications capable of processing the account information to the list of alternative payment applications.

The above alternative provides another generation scheme of the alternative payment application list, and considers the account processing capability of the payment application when generating the candidate payment application list, so that the payment application in the generated alternative payment application list is Ability to process this account information.

In an alternative, the one or more payment applications capable of processing the account information are added to the list of candidate payment applications according to account processing capabilities of each application installed in the electronic device. The method includes: adding, to the list of candidate payment applications, the one or more payment applications capable of processing the first type of the account information according to an account processing capability of each payment application installed in the electronic device The first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule, and the specified type includes one or more of a numeric string and an email address.

In an optional solution, the determining, by the preset identification rule, the account type determined by the account information, specifically: when the first information includes a numeric string, determining, according to the length or context of the digital string The number string is a mobile phone number or a bank card number, thereby determining that the account type is a mobile phone number account or a bank card account; or, when the first information includes an email address, determining that the account type is an email account.

In an alternative, the invoking the first payment application in the list of candidate payment applications to complete the financial transaction specifically includes: calling a first payment application interface that matches the account information and the account information The financial transaction is completed by automatically filling in the first payment application interface.

In an alternative, the method further includes: sorting the plurality of payment applications in the candidate payment application list according to a preset sorting rule.

In an alternative, the method further includes: verifying the reliability of the sender of the first information.

In an optional manner, after determining, by the analyzing, that the first information includes account information related to a financial transaction, the method further includes: determining whether an owner of the account information is related to a first contact in the address book Matching; if the owner of the account information matches the first contact, associating the account information with the first contact; if the owner of the account information is in the address book If all of the contacts do not match, the user is automatically or prompted to create a second contact in the address book, and the account information is associated with the second contact.

In an optional manner, the method further includes: if the third contact page in the address book receives a specific operation for searching for account information, searching, in the electronic device, the received time within a preset time The account information related to the third contact, and the account information is associated with the third contact.

In an alternative, after the generating the candidate payment application list, before: selecting, according to the user or the electronic device, the first payment application in the candidate payment application list, further comprising: The icon corresponding to each payment application in the candidate payment application list is displayed at a position corresponding to the account information, so that the user selects a corresponding payment application through the icon in the contact of the address book.

In a second aspect, the application provides an electronic device, the electronic device includes: a transceiver unit, configured to receive first information by using a first application of the electronic device, and an analyzing unit, configured to: according to a preset keyword The context of the first information is analyzed; and the generating unit is configured to generate, when the determining, by the analyzing, the first information includes account information related to the financial transaction, the candidate payment application list, where the candidate payment application list comprises: One or more payment applications installed in the electronic device; an invoking unit, configured to invoke the first payment application in the list of alternative payment applications to complete the financial transaction according to a user or a selection of the electronic device .

In the technical solution provided by the second aspect, the account information related to the financial transaction is obtained by performing analysis processing on the first information received by the first application, and then generating an alternative payment application list, and determining the first from the candidate payment application list. After paying the application, directly call the interface of the first payment application to complete the financial transaction. The solution of the second aspect can directly operate the quick release payment application by accessing the account information including the account information receiving interface or the account information of the contact interface in the address book, and enter the corresponding financial transaction interface to complete the transaction, and the user does not need to remember the memory. Switch back and forth between the account information interface and the payment application interface by inputting, or copying and pasting account information, simplifying the operation steps and improving the user experience.

In an alternative design of the second aspect, the electronic device described above can perform any of the alternatives of the first aspect.

In a third aspect, an electronic device is provided, the electronic device comprising: a transceiver, a processor, a memory, a display, and a bus, wherein the transceiver, the processor, the memory, and the display are connected by the bus; The first information is received by the first application of the electronic device, and the processor is configured to analyze a context of the first information according to a preset keyword; Generating an alternative payment application list when the information includes account information related to the financial transaction, the candidate payment application list including: one or more payment applications already installed in the electronic device; according to the user or the electronic The selection of the device, calling the first payment application in the list of alternative payment applications to complete the financial transaction.

In an alternative to the third aspect, the electronic device described above can perform any of the alternatives of the first aspect.

In a technical solution provided by the third aspect, after the transceiver receives the first information, the processor analyzes and processes the first information of the specified type received by the first application to obtain account information related to the financial transaction, and then generates an candidate. The payment application list directly calls the interface of the first payment application after determining the first payment application from the list of candidate payment applications. The solution of the third aspect can directly operate the quick release payment application by accessing the account information including the account information receiving interface or the account information of the contact interface in the address book, and enter the corresponding financial transaction interface to complete the transaction, and the user does not need to remember the memory. Switch back and forth between the account information interface and the payment application interface by inputting, or copying and pasting account information, simplifying the operation steps and improving the user experience.

DRAWINGS

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings to be used in the embodiments will be briefly described below. Obviously, the drawings in the following description are only some of the present invention. Embodiments, for those of ordinary skill in the art, without creative labor Further drawings can also be obtained from these drawings.

1 is a schematic flow chart of a method for quickly entering a financial transaction provided by an embodiment of the present application.

FIG. 2(a) is a schematic diagram of a received message application interface provided by an embodiment of the present application.

FIG. 2(b) is a schematic diagram of an optional payment application interface provided by an embodiment of the present application.

FIG. 2(c) is a schematic diagram of a first payment application interface provided by an embodiment of the present application.

FIG. 3(a) is a schematic diagram of a received message application interface provided by an embodiment of the present application.

FIG. 3(b) is a schematic diagram of generating a user operation option interface according to an embodiment of the present application.

FIG. 3(c) is a schematic diagram of an optional payment application interface provided by an embodiment of the present application.

FIG. 3(d) is a schematic diagram of a first payment application interface provided by an embodiment of the present application.

4-1 is a schematic diagram of a bank identification number provided by an embodiment of the present application.

4-2 is a schematic diagram of a beginning of a bank identification number and a corresponding card number length of a card organization distribution according to an embodiment of the present application.

FIG. 5(a) is a schematic diagram of a received message application interface provided by an embodiment of the present application.

FIG. 5(b) is a schematic diagram of an optional payment application interface and a contact association interface according to an embodiment of the present application.

FIG. 5(c) is a schematic diagram of a selected first payment application interface according to an embodiment of the present application.

FIG. 6(a) is a schematic diagram of a received message application interface provided by an embodiment of the present application.

FIG. 6(b) is a schematic diagram of generating a user operation option interface according to an embodiment of the present application.

FIG. 6(c) is a schematic diagram of an optional payment application interface and a contact association interface according to an embodiment of the present application.

FIG. 6(d) is a schematic diagram of a first payment application interface provided by an embodiment of the present application.

FIG. 7 is a schematic flowchart diagram of a method for quickly entering a financial transaction according to another embodiment of the present application.

FIG. 8 is a schematic flowchart diagram of a method for quickly entering a financial transaction according to another embodiment of the present application.

FIG. 9 is a structural block diagram of an electronic device according to another embodiment of the present application.

FIG. 10 is a schematic structural diagram of hardware of an electronic device according to an embodiment of the present disclosure.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, one of ordinary skill in the art does not create All other embodiments obtained under the premise of sexual labor are within the scope of protection of the present invention.

Referring to FIG. 1 , FIG. 1 is a method for quickly entering a financial transaction according to an embodiment of the present application. The method is applied to an electronic device. The electronic device involved in the embodiment of the present application may include various handheld devices with unlimited communication functions. Equipment, in-vehicle equipment, wearable equipment, computing equipment or other processing equipment connected to a wireless modem, and various forms of user equipment (English: user equipment, UE), mobile station (mobile station, MS), terminal equipment (terminal Device) and so on. For convenience of description, the devices mentioned above are collectively referred to as electronic devices.

The method is as shown in FIG. 1 and includes the following steps:

Step S101: The first application of the electronic device receives the first information.

For example, when the electronic device is a mobile phone, the first application includes but is not limited to: a mobile phone short message application, a mobile phone email client, an instant messaging application such as WeChat, QQ, Facebook Twitter, MSN, KaKao Talk, Line, or other communication application. Meals such as memos or notebooks that can receive user input, and so on. The foregoing first information may specifically be information received by the first application, such as a short message, an email, an instant messaging application message, or the like.

Step S102: The electronic device analyzes the context of the first information according to the preset keyword.

The context of the foregoing information may be the content in the first information received this time, or may be one or more pieces of information received before or after receiving the first information (how many times before or after the first information) The information, or all the information received before or after the first information, is not limited, and may be determined by the user. Of course, in actual applications, the context of the first information may further include: The content of the other information associated with the information, wherein the other information of the association, for example, the sender having the same identity as the first information, the same sending account as the first information, and the same group as the first information Wait.

The analysis in this step S102 can be analyzed using a natural language analysis algorithm. The above preset keywords are, for example, transfer, collection, repayment, borrowing, payment, card number, account number, account, and the like.

Step S103, when it is determined by the analysis that the first information includes account information related to a financial transaction, generating an alternative payment application list, where the candidate payment application list includes: installed in the electronic device One or more payment applications.

If there is a preset keyword (such as transfer, collection, repayment, borrowing, etc.) in the context of the information, or there is a word that is synonymous or synonymous with the preset keyword, or there is a partial preset key Word, Then, it can be considered to include a preset keyword, thereby determining that it is related to the financial transaction; otherwise, it can be considered that the preset keyword is not included, thereby determining that it is not related to the financial transaction.

Further, when it is determined that the first information is related to the finance based on the foregoing analysis, the first information may be inferred to include the account information related to the financial transaction; or the first information may be determined according to other conditions. Whether to include account information related to the financial transaction, for example, determining whether there is still an account key such as "account", "account", "card number" in the first information, and if so, in the first information Contains account information related to financial transactions, otherwise it is considered not included.

In the embodiment shown in FIG. 1, the method may further include: after the first application receives the first information, and before the generating the candidate payment application list, the method may further include:

The reliability of the sender of the information is verified. The specific verification method may be as follows: the third party software (for example, 360 security guards, Baidu guards, etc.) performs security verification on the sender, and may also be verified by other means. For example, if the sender matches the contact, if it can match, it is determined to be trusted. If it cannot be matched, the user is prompted; for example, the whitelist or blacklist is set locally to perform security verification on the sender of the information. .

The reliability verification operation achieves the beneficial effect of determining whether the source of the received account information is reliable, and then determining whether to filter the candidate payment application from the locally installed payment application, thereby enabling an untrusted account. Effective filtering of information, to a certain extent, slow down the user's behavior of financial transactions, may have a certain role in preventing fraud.

In addition, in this embodiment, before step S102, the following steps may be further included:

Step S101-1: determining whether the first information includes data of a specified type, where the specified type includes one or more of a numeric string and an email address; if the information includes data of a specified type Then, the context of the information is analyzed according to the preset keyword. For the implementation of the specific analysis, refer to the refinement scheme of the foregoing step S102, and details are not described herein. If the information does not include the specified type of data, The information is not processed.

It should be noted that, for a numeric string, it may be a string consisting of consecutive digits, such as 123456789; or a string consisting of a number of fields with spaces or '-' or other characters in between, such as 12-345-6 At this time, the first application of the mobile phone needs to perform digital extraction and splicing, and the specific implementation manner is not limited.

Optionally, in this embodiment, the following steps may be further included between step S102 and step S103:

Step S102-1, after determining, according to step S102, that the preset information is included in the first information, determining whether the first information includes data of a specified type, where the specified type includes: a digital string, a mailbox One or more of the addresses; if the information includes data of a specified type, the first information is considered to include account information related to the financial transaction (ie, the data of the specified type is account information), and then Step S103 performs the subsequent process. Otherwise, it is considered that the account information related to the financial transaction is not included, thereby ending the process.

Combining the above steps S101-1, S102, and S103, or the above steps S102, S102-1, and S103, determining whether the first information is included according to whether the first information includes a preset keyword or whether the data of the specified type is included. The account information related to the financial transaction is included, and the specific implementation example is: if the preset keyword (such as transfer, collection, repayment, borrowing, etc.) exists in the context of the first information, or Words synonymous or synonymous, or, if there are some preset keywords, they are considered to contain preset keywords, which in turn determine that they are related to financial transactions; otherwise, they do not contain preset keywords, and thus determine that they are not related to financial transactions. .

Further, when it is determined that the first information is related to the finance directly based on the foregoing analysis, it may be further determined whether the first information includes the data of the specified type, and if included, the data of the specified type is considered to be an account related to the financial transaction. Information, otherwise, it is considered that there is no account information; or, it can be judged whether the first information contains the data of the specified type. If the first information does not contain the specified type of data, it is considered that there is no account information, if the specified Type of data, then further determine whether there is an account-related keyword such as "account", "account", "card number" in the vicinity of the data of the specified type (such as before or after the data of the specified type) If it exists, it is considered that the data of the specified type is the account information related to the financial transaction, and if it does not exist, the data of the specified type is considered not the account information.

In addition, in this embodiment, after generating the candidate payment application list, the foregoing method may further include: displaying the candidate payment application list on the electronic device.

For example, the mobile phone (or the first application of the mobile phone) displays each payment application in the list of alternative payment applications in a certain order through a user interface (English: user interface, UI) for the user to select.

In this embodiment, the generating the candidate payment application list in the foregoing step S103 may specifically be: according to the account processing capability and the account information of each payment application installed in the electronic device, Generate a list of alternative payment applications.

For example, the account processing capability of each payment application installed in the electronic device is extracted, and one or more payment applications in the account processing capability capable of processing the account information are put into the candidate payment application list. The above processing capabilities include, but are not limited to, the type of account that the payment application can handle. The account type can be: mobile phone number, bank account number, email address, transaction link, and the like.

It should be noted that the account processing capability of each payment application is used to declare whether the payment application can process the financial account information (in this case, the account type is not distinguished, that is, all types of account information can be processed), or Used to declare that the payment application can process a particular type of financial account information (eg, mobile number account, bank card number account, etc.).

The processing capability of the account may be that the payment application is registered in the system when installed on the mobile phone. For example, in the Android system, the payment application is registered to the Android OS through the application configuration file (manifest.xml file), and the specific implementation manner is: For example, the payment application configures one or more active component activities through an Android Manifest file, wherein each activity supports an intent that filters account information of one type (such as account type A) (understand that the payment application has an account of processing type A) The ability of information). Of course, the solution of the present invention does not exclude other configurations of the payment application, for example, configuring an activity to filter all account information (which can be understood as having the ability to process all account information); for example, configuring an activity to support filtering a financial transaction. The intent of services (such as transfer, collection, credit card repayment, etc.) (understand the ability to handle transfer transactions, collection transactions, etc.).

The technical solution can ensure that each payment application in the list of alternative payment applications is a payment application capable of processing account information, thereby ensuring that the user can select the payment application regardless of which payment application list is selected by the user. Account information complete this financial transaction.

For example, if the account information is ICBC's bank card, the ICBC online banking client is installed on the mobile phone (the bank card number account and the mobile phone number account can be processed through the account processing capability statement), and the Alipay client (the bank account number can be processed through the account processing capability statement). , mobile phone number account and email account), PayPal application (can handle email account through account processing capability statement), in the solution of the present invention, when screening payment application according to account processing capability of each payment application, ICBC online banking client and The Alipay client filters it out and puts it in the list of alternative payment applications.

Optionally, in this embodiment, the foregoing implementation manner of generating the candidate payment application list may further include:

Generating an alternative payment application list according to one of a context of the first information and an attribute of the account information, wherein the context of the first information includes an identifier of the payment application, and the attribute of the account information includes the account information Issuing agency.

It should be noted that the identifier of the payment application may be the name of the payment application, such as Alipay, WeChat, paypal, etc., of course, other possibilities may be excluded, such as the identification information that the payment application downloads to the mobile phone, or the mobile phone pays The number assigned to the application, etc., is not limited by the present invention.

The attribute of the account information may be the issuing institution of the account information, for example, the issuing bank corresponding to the bank card number (such as ICBC, Agricultural Bank, etc.), and the registration institution corresponding to the email address (such as google, NetEase, etc.)/payment platform (If you think that the gmail.com suffix corresponds to the google wallet payment platform, of course, it may not exclude Alipay, paypal and other payment platforms; think that 126.com suffix corresponds to Alipay, paypal payment platform) and so on.

The identifier of the foregoing payment application may be that the first application of the mobile phone or the mobile phone is extracted from the context of the first information; the attribute of the foregoing account information may be that the first application of the mobile phone or the mobile phone is extracted from the context of the first information, It may also be a mapping table of a card issuing institution (ie, issuing bank) and a bank identification number (BIN) according to a bank card as shown in FIG. 4-1 stored locally or obtained from the cloud and/or as shown in FIG. 4 . -2 indicates the beginning of the BIN corresponding to the card organization and the card number length mapping table, or based on the mailbox suffix (ie server name. domain name), or the request cloud according to Figure 4-1 and / or Figure 4-2 The table information shown, or based on the mailbox suffix (ie server name. domain name). Generating an alternative payment application list according to one of an account processing capability and the account information of each payment application installed in the electronic device, and a context of the information and an attribute of the account information, wherein The context of the information includes an identifier of the payment application, and when the attribute of the account information includes the issuer of the account information, the payment application in the alternative payment application list can be made more matching the account information or the information context, which is more suitable User selection.

Of course, it should be noted that the embodiment of the present invention may further generate an alternative payment application list according to one of the context of the information and the attribute of the account information.

The context of the first information is determined to determine that the context of the first information includes the name of the payment application or the account issuing authority, and the name of the payment application or the payment application corresponding to the account issuing institution is entered into the generated candidate payment application list. .

For the above embodiment, "generating an alternative payment application list according to the account processing capability and the account information of each payment application installed in the electronic device", different meanings declared according to the account processing capability described above (ie, it does not distinguish between account types, can handle all account information, or can only handle certain types of account information), and the specific implementation can be any of the following ways:

Method A, adding the one or more payment applications capable of processing the account information to the candidate payment application list according to an account processing capability of each payment application installed in the electronic device.

Method B, adding the one or more payment applications capable of processing the first type of the account information to the candidate payment application list according to an account processing capability of each payment application installed in the electronic device The first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule.

For the account type that is determined after the account information is identified according to the preset identification rule, the implementation of the account information according to the preset identification rule may be: identifying the account information, obtaining the account information is a number. The string is still a mailbox, and if it is a mailbox, it is identified that the account type is an email account. If it is a numeric string, it can be judged according to the length of the numeric string and/or the context of the first information whether the account type is a mobile phone number account or a bank card number account. An example of judging according to the length of the digit string is: if the length of the digit string is 11 digits, it is determined as a mobile phone number account; if the length of the digit string is greater than 11 digits, the length may be 13 or 15-19 digits The time is the bank card number account, and can also be based on the first few digits of the digit string (such as 4 digits, 6 digits, etc., how to choose the implementation) and the table shown in Figure 4-1 and/or Figure 4-2. The information determines whether the digit string is a bank card number.

In the embodiment shown in FIG. 1 , after generating the candidate payment application list, the foregoing method may further include: sorting, by using a preset sorting rule, the plurality of payment applications in the candidate payment application list.

The preset sorting rule may include one or more conditions of the context of the account information, the account type, the attribute of the account information, and the user usage habit.

For example, if there is a name of the payment application (such as paypal) in the analysis information context, the payment application (such as paypal) is ranked first in the list of alternative payment applications; if the account information is known as an email address (such as xxx@gmail) .com), the payment application corresponding to the email address (such as google wallet) is ranked first in the list of alternative payment applications; if it is known that the account information is a bank account, the card issuing institution (such as ICBC) that obtains the bank account is obtained. Place the payment application of the card issuer (such as ICBC Mobile Banking) The first one of the list of alternative payment applications; if it is known that the usage frequency of the payment application is the highest in the set time period or the geographical location, the ranking of the payment application is first in the list of alternative payment applications during the set time period One.

Step S104: Call the first payment application in the candidate payment application list to complete the financial transaction alternative payment application list according to the user or the selection of the electronic device.

The implementation method of the foregoing step S104 may specifically include:

If the payment application list includes multiple payment applications, it may be displayed by the UI for the user to select, and after the user confirms the selection of the first payment application, the first payment application is invoked to complete the financial transaction, or The first payment application is automatically selected by the electronic device (for example, the first payment application with the highest priority is automatically selected), and the first payment application is called to complete the financial transaction.

If the payment application list includes only one payment application, that is, the first payment application, the electronic device may directly invoke the first payment application to complete the financial transaction, and may also be displayed through the UI, and the user confirms the selection. After the first payment application is called, the financial transaction is completed. For example, the list of alternative payment applications includes only one ICBC mobile banking application, and the electronic device directly invokes the transaction interface of ICBC mobile banking. The transaction interface of the ICBC mobile banking includes but is not limited to: mobile phone number transfer interface, bank card number transfer interface. Of course, in practical applications, the transaction interface of the first payment application may include other forms of interfaces, such as a payment interface, a payment interface, and the like. Which transaction interface of the first payment application is directly invoked by the electronic device, which is determined by the account type (such as mobile phone number account, bank card number account, email account, etc.) of the account information determined in the previous step, and may also need to be The type of transaction inferred in the context of the information (eg, inferred from the context is a transfer transaction or a receipt transaction, etc.).

In addition, in this embodiment, the implementation method of the foregoing step S104 may further include: calling a first payment application interface that matches the account information, and automatically filling the account information into the first payment application interface. Financial transactions.

It should be noted that how to determine the first payment application interface that matches the account information is as follows: if the account information is a mobile phone number account, the transaction used to process the mobile phone number account in the first payment application is invoked. If the account information is a bank card number account, the transaction interface for processing the bank card number account in the first payment application is invoked; if the account information is an email account, the first payment application is used to process the email account. Trading interface.

The above account information is automatically filled into the corresponding location of the first payment application interface, taking the transfer as an example, assuming that the first payment application is ICBC mobile banking, and the account information received by the first application is the bank card number issued by ICBC, then the mobile phone is After calling the bank card number transfer interface of ICBC Mobile Bank, fill in the bank card number to the location of the payment card number on the transfer interface.

How to automatically fill the account information into the corresponding location of the first payment application interface, specifically, when the first payment application is invoked, the account information is transmitted to the first payment application, and then received by the first payment application and then filled in Enter the corresponding location of the account information in the transaction interface. Taking the Android system as an example, after the first payment application is selected by the user or the electronic device, the first application sends the intent object including the account information to the first payment application, and the first payment application parses the intent object. , will be able to handle the transaction interface of this type of account information (such as the interface through the bank card number transfer, the interface through the mobile phone number / Alipay account transfer), and automatically enter the parsed account information into the corresponding transaction interface position.

Of course, in addition to the account information, other information such as the transaction amount, the name of the payee, and the like may be separately transmitted to the first payment application in the same manner to automatically fill in the first payment application interface.

In this embodiment, the foregoing first application needs to add a processing module to perform the operations of steps S101-S104 described above. In addition, when the first application is installed on the electronic device, the application configuration file (such as the Android manifest.xml file) may apply for calling the permission of the payment application (such as the first payment application) installed on the mobile phone, and the calling permission may need to be obtained. The user's confirmation; or, the first application has the right to call the payment application installed on the mobile phone by default. For example, when the first application is a system-level application such as a short message or an address book, the mobile phone may open the payment application by default when it leaves the factory. Call permission.

In addition, in this embodiment, the first application may also be an application that can be used to edit information, such as a memo or a notepad. Accordingly, the first information may be information input or edited by the user in such an application, for example, a user. A manually edits and saves the account information of user B (bank card number, Alipay account number, etc.) in the memo. When user A opens the information in the memo, the user can operate the account information through the above operation steps, thereby directly preparing the account information. Select one of the available payment applications (such as a mobile banking client, Alipay client, etc.) in the selected payment application list to complete the financial transaction (such as transfer).

The embodiment of the present invention generates an alternative payment application list by determining the account information related to the financial transaction in the information by using the context analysis of the received first information, and invokes the candidate payment application list according to the user or the selection of the electronic device. The first payment application in the middle completes the financial transaction. This technical solution The transaction information can be directly transferred through the account information of the account information receiving interface or the account information in the contact interface of the address book, and the corresponding financial transaction interface can be accessed to complete the transaction, and the user does not need to remember and input or copy and Paste the account information and switch back and forth between the account information interface and the payment application interface to simplify the operation steps and enhance the user experience.

2A), 2(b), 2(c), and 3(a), 3(b), 3(c), and 3(d) are visually illustrated from the user interface. The effect achieved by the technical solution of the present application is that the electronic device is used as a mobile phone as an example, and the mobile phone receives a message (such as a short message) through the first application (such as a short message application), as shown in FIG. 2( a ); The first message is named after the first message is received. After the first message is received, the first message is processed. For the specific implementation method, refer to the descriptions of steps S102-S103 and related refinement schemes. When a message includes the account information related to the financial transaction, the candidate payment application list is generated (for the specific implementation method, refer to step S103 and its refinement scheme), and displayed through the UI, as shown in FIG. 2(b), the context The act of analyzing and generating the list of alternative payment applications may be triggered by the user performing an operation on the UI shown in FIG. 2(a) (such as clicking a direct transfer button), or may be performed before the user performs the operation; Or the mobile phone automatically determines from the list of alternative payment applications After the first payment application (such as ICBC mobile banking), the mobile phone invokes the payment interface of the ICBC mobile banking, that is, the mobile phone jumps from the short message interface to the interface of the ICBC mobile banking (for example, the interface for transferring funds through the bank card number), as shown in the figure. 2(c). After the user completes the information of the interface shown in FIG. 2(c), the transfer operation can be realized.

Before the foregoing alternative payment application list is generated, the mobile phone may perform automatic screening and sorting of the payment application in the candidate payment application list by performing the refinement steps of the foregoing steps S103 and S103 to ensure that the candidate payment application list is in the list. The payment application is able to process the account information without the user's own judgment. Therefore, as shown in the above operation, the user only needs to operate on the account information receiving interface (ie, the short message interface shown in FIG. 2(a)), and can quickly select the first payment application from the list of alternative payment applications. The first payment application interface completes the transaction.

As shown in FIG. 3( a ), the message received by the mobile phone through the first application (for example, a short message) is processed after the message is received. For the specific implementation method, refer to steps S102-S103 and related refinement schemes. Described), when it is determined that the message includes account information (ie, a bank account number) related to the financial transaction, the account information may be specially processed (for example, the account information is separately colored, Underlined and other various mark processing), and displayed on the UI; if the user performs specific operations on the account information (such as click, long press, etc.), the user interface shown in Figure 3 (b) is displayed, when the user When a specific operation option (such as transferring to the account) in FIG. 3(b) is clicked, a list of alternative payment applications as shown in FIG. 3(c) is displayed for the user to select, wherein the list of alternative payment applications may be The user may choose to generate the account before the transfer to the account, or may be generated after the user chooses to transfer the account, and the specific implementation of generating the candidate payment application list may be as described in the embodiment of FIG. 1; When the first payment application, such as ICBC mobile banking, is selected in the list of alternative payment applications shown in FIG. 3(c), the mobile phone invokes the domestic remittance interface of the ICBC mobile banking as shown in FIG. 3(d), and the account information is The owner automatically fills in the name of the payment name in the inbound remittance interface, and automatically fills in the account information to the location of the payment card number in the domestic remittance interface. Figures 3(a) through 3(d) add a user selection interface that increases the user's freedom of choice.

After the method in the embodiment shown in FIG. 1 determines, by the analysis, that the information includes account information related to the finance, the method may further include:

Determining whether the owner of the account information matches a first contact in the address book; if the owner of the account information matches the first contact, associating the account information to the first a contact; if the owner of the account information does not match all of the contacts in the address book, automatically or prompt the user to create a second contact in the address book, and associate the account information to The second contact.

The owner of the account information may be the sender of the first information (such as name/nickname, phone number/communication account corresponding to the first application, etc.); or may be the name and phone number searched from the context of the first information. The number can identify the owner's information. For example, if the first information includes a bank card number and the name of the person to whom the card number belongs, the name is considered to represent the owner, and, for example, the first information includes a mobile phone number. The Alipay account indicated, the mobile phone number is considered to represent the owner.

The method for determining whether the owner of the account information matches the first contact in the address book may include: searching, from the address book, whether there is a first contact that is the same as the owner of the account information, such as Searching for the same first contact as the owner, determining that the owner of the account information matches the first contact in the address book, such as the owner of the account information and all contacts in the address book The matching automatically or prompts the user to create a second contact in the address book, and associate the account information to the second contact.

It should be noted that when the owner of the account information matches the contact in the address book, if the first application is the same as the control party of the address book application, such as a short message application and a mobile phone book, or a mail application and a mobile phone Or, in the instant messaging application and the address book or buddy list, the first application can directly obtain the contact list in the address book application (such as the name or nickname, phone number or instant messaging account of each contact) Information), then match the owner or sender of the account information (such as name or nickname, phone number or instant messaging account) with each contact in the contact list until the match is successful, of course, the first application The owner or sender of the account information can also be sent to the address book, and the match is made by the address book.

If the first application is different from the controlling party of the address book application, such as instant messaging applications such as WeChat and Facebook, and the mobile phone book, the first application may need to request the server to perform the matching after obtaining the contact list in the address book. Or, the server first obtains the matching information corresponding to the sender of the account information, and then performs the matching locally. For example, the WeChat application obtains the mobile phone number corresponding to the sender from the server side, and then lists the mobile phone number and the contact list. The phone number in the match is matched.

The manner of associating the account information with the first and second contacts is specifically, for example, if the account information is a mobile phone number, the contact that matches the mobile phone number can not be found in the address book, automatically or via the user. After agreeing, create a new contact and associate the mobile phone number account to the newly created contact; if the account information is a bank card number or email address, you can find the contact in the address book that matches the owner of the account information. , the bank card number account or the email account is automatically associated with the user or the user is associated with the matching contact (if the account information is displayed on the contact page), of course, can not be found When matching a contact, as in the above method, create a new contact and associate the account information under the new contact.

In the embodiment shown in FIG. 1 , after the method for generating the candidate payment application, the method may further include, before selecting the first payment application in the candidate payment application list according to the user or the electronic device. :

Displaying an icon corresponding to each payment application in the candidate payment application list at a position corresponding to the account information, so that the user selects a corresponding payment through the icon in the contact of the address book. application.

For example, if the account information is a mobile phone number, an icon of the payment application that can process the account information may be displayed at a relevant location of its associated contact page (such as behind the mobile phone number, etc.) (eg, Application LOGO, etc.; if the account information is a bank card number or an email address, an icon of the payment application that can process the account information can be displayed at a relevant location of the associated contact page (such as a card number or a mailbox), and the UI display The effect is shown in Figure 5(b) or 6(c).

A manner of matching and associating account information with contacts is visually illustrated below from the user interface shown in Figures 5(a)-5(c), and how to conduct financial transactions directly on the contact page. The mobile phone receives a message (here, a short message is taken as an example), and the message interface is processed as shown in FIG. 5(a). For the specific implementation method, refer to steps S102-S103 and the description of the related refinement scheme. When the account information related to the financial transaction is included, when the owner of the account information is determined to match the first contact in the address book, the account information is automatically or after the user agrees to associate the account information with the first contact. The first contact interface of the account information is as shown in FIG. 5(b), wherein the account information is associated with an alternative payment application list (where each payment application can be displayed by the application icon shown in FIG. 5(b) And may be generated by the application that receives the message or by the address book application (for the specific implementation method, refer to the description of step S103 and related related refinement scheme), the first contact interface may be opened by the user through the address book entry. Alternatively, it may be opened when the above-mentioned association operation is performed after receiving the message; when the user selects ICBC mobile banking in the list of alternative payment applications in the first contact interface, Then enter the ICBC mobile bank transfer interface as shown in Figure 5 (c), and automatically fill in the account information to the ICBC mobile bank transfer interface collection account location, the account information owner automatically fill in the ICBC mobile phone Bank transfer interface collection name location.

Another way of matching and associating account information with contacts is visually illustrated below from the user interface shown in Figures 6(a)-6(d), and how to conduct financial transactions directly on the contact page. The mobile phone receives a message (here, the short message is taken as an example), and the message interface is processed as shown in FIG. 6(a). For the specific implementation method, refer to steps S102-S103 and the description of the related refinement scheme. When the account information related to the financial transaction is included, if the owner of the account information matches the first contact in the address book, the account information may be specially processed for the account information (such as highlighting the account information) Display processing, such as displaying different colors, marking underline, etc., and displaying them on the UI; if the user performs specific operations on the account information (such as clicking, long press, etc.), it is displayed as shown in Figure 6 (b). The user interface shown; when the user clicks on the specific operation option in FIG. 6(b) (eg, save to existing contact option), the first information associated with the account information as shown in FIG. 6(c) is displayed. Contact interface, where the alternative payment associated with the account information The application list (where each payment application can be displayed by using the application icon shown in FIG. 6(c)) may be generated by the application receiving the message or by the address book application (for the specific implementation method, refer to step S103 above and For the description of the related refinement scheme, the first contact interface may be opened by the user through the address book entry, or may be opened when the association operation is performed after receiving the message; when the user is on the first contact interface When selecting ICBC mobile banking in the list of alternative payment applications, the bank goes to the ICBC mobile bank transfer interface as shown in Figure 6(d), and automatically fills the account information into the receiving account location in the ICBC mobile bank transfer interface. , the owner of the account information is filled in the name of the payment name in the ICBC mobile bank transfer interface.

In the embodiment shown in FIG. 1, the method may further include: if the third contact page in the address book receives a specific operation for searching for account information, searching for the preset time in the electronic device. And the account information associated with the third contact is obtained, and the account information is associated with the third contact. The above preset time can be set by the user, and can also be set by the manufacturer by default.

For example, after receiving a specific operation of the user (such as long pressing a specific account search icon), the third contact page in the address book requests a predetermined time in a specified application (such as a short message, mail, etc.) of the electronic device. Receiving information related to the third contact that includes data of a specified type (such as a numeric string, an email address), searching, and analyzing the context of the information according to the preset keyword to determine whether the data of the specified type is account information. And determining whether the upcoming user behavior is related to financial transactions such as transfer or collection; if the relevant and specified type of data is account information, the account information may be associated with the third contact after obtaining the user's permission.

Referring to FIG. 7, FIG. 7 is a method for quickly entering a financial transaction according to another embodiment of the present application. The method is implemented by a mobile phone, and the mobile phone may include a class A application and a class B application, such as a short message. Mail, memo, etc., the B-type applications such as Alipay, banking application, paypal, etc., the method shown in Figure 7, including the following steps:

In step S701, the mobile phone X receives a message including a specified type of data (such as a numeric string or an email address) sent by the mobile phone Y through a type A application such as a short message, an email, a memo, and a Facebook, and analyzes whether the message contains a preset key in the context of the message. Words (such as payment, transfer, repayment, borrowing, card number, bank, account number, etc.) to determine whether the upcoming user behavior is related to financial transactions such as transfer or collection.

The specific implementation manner may be: adding a processing module to a type A application such as a short message or a mail of the mobile phone, where the processing module is configured to distinguish whether the received message includes the specified type data, and the context of the message based on the preset keyword. analysis. In addition, Class A applications need to apply for permission to call Class B applications such as Alipay through an application configuration file (such as an Android manifest file) during installation.

It should also be noted that the user can receive the account information sent by others through SMS, email, instant messaging application, etc., or enter someone's account information in the memo or notepad as a memo reminder, account information display interface. It can be presented in the above class A application.

Step S702: If it is determined that the upcoming user behavior is related to a financial transaction such as transfer or collection, determining that the specified type of content is account information;

The specific implementation method may be: if there is a preset keyword in the information context (such as transfer, collection, repayment, borrowing, etc.), or there is a word synonymous or synonymous with the preset keyword, or there is a part The preset keyword is considered to contain the preset keyword, thereby determining that it is related to the financial transaction; otherwise, it is considered that the preset keyword is not included, thereby determining that it is not related to the financial transaction.

Further, whether the specified type of content is account information may be directly determined based on the foregoing judgment, and a condition may be added to determine whether the specified type of content is account information, for example, determining whether an "account" exists before or after the specified type of content. Account keywords such as "account number" and "card number".

Step S703: Determine an optional payment application from all locally installed payment applications according to a preset screening rule to generate an alternative payment application list.

The above step S703 can be performed by the class A application in the mobile phone.

The specific implementation manner of the foregoing “preset screening rule” may be any one of the following modes:

Method 1: Determine whether the payment application supports processing account information or the first type of account information according to the account processing capability registered by each payment application to the system, and if so, determine that the payment application is an optional payment application.

Method 2, determining, according to the account processing capability registered by the payment application to the system, whether the payment application supports the processing of the account information or the first type of account information, and if so, the context of the account information or the attribute of the account information. (such as the issuer) determining whether the payment application is determined to be an optional payment application, for example, if the name of the payment application is obtained from the context of the account information, or the attribute of the account information matches the payment application, then The payment application is an optional payment application.

Mode 3: determining, according to the context of the account information or the attribute of the account information (such as the publisher), whether the payment application is determined to be an optional payment application, for example, if the name of the payment application is obtained from the context of the account information, Or if the attribute of the account information matches the payment application, then the payment application is determined to be an optional payment application.

For the definition and description of the above account processing capability, refer to the description in the embodiment shown in FIG. 1, and the steps are not described herein.

Step S704: Sort each optional payment application in the candidate payment application list according to a preset sorting rule to update the candidate payment application list.

The above step S704 can be performed by the class A application in the mobile phone.

Specifically, when the above-mentioned optional payment application is sorted, the condition of the account type of the account information may also need to be considered.

For example, for mode 1 of step S703: sorting according to one or more of the context of the account information, the account type, the attributes of the account information, and the user usage habits. For example, if it is known that there is a name of the payment application (such as paypal) in the context, the priority of the payment application is adjusted to the highest; the optional payment application is arranged in order according to the priority level. If the account information is known as the email address (such as xxx@gmail.com), the priority of the corresponding payment application (such as google wallet) is adjusted to the highest. If the card issuer (such as ICBC) corresponding to the account information is known, the priority of the payment application (such as ICBC mobile banking) of the card issuer is adjusted to the highest. If it is known that a payment application is used most frequently during a certain time period, the priority of the payment application is adjusted to the highest.

For implementation 2 of step S703: if there are multiple optional payment applications determined (for example, when determining that the account information is a bank card account issued by the X card issuer, determining the payment application of the X card issuer and the bank capable of processing the institution Card payment applications are optional payment applications, and can also be sorted according to user usage habits. For example, when the account information is the bank card number of ICBC, according to the method 2 of step S703, ICBC mobile banking, Alipay wallet, Baidu wallet, and Yifubao can be selected according to the user's usage habits, and the usage habits are as follows: the frequency of use (these applications) Frequency of use), usage time statistics (the most common use time of these applications), use of location statistics (the most common use location of these applications), etc., for ICBC Mobile Banking, Alipay Wallet, Baidu Wallet, Yi Fubao The payment application is sorted.

Of course, the above sorting method can also be sorted according to the system default. The default sorting can be Mobile phone manufacturers can also be set by the user.

Step S705: When it is detected that one of the payment applications is selected, directly open a corresponding transaction interface of the payment application (such as a transfer interface, etc.), and further, the account information, or even the transaction amount or the account information owner name and other information. The user is automatically filled in with the corresponding location on the transaction interface, so that the user can perform subsequent operations.

Specifically, if there is only one optional payment application in the list of alternative payment applications, the payment application can be directly opened. The user-selected or highest-priority optional payment application can be opened if there are multiple optional payment applications in the list of alternative payment applications. When opening the payment application, the account information, even the transaction amount, the name of the payee (such as when transferring by bank card number), etc. are written into the transaction interface of the payment application. Taking the Android system as an example, after selecting a payment application, the class A application sends an intent object containing the account information, the transaction amount and the like to the payment application, and the payment application parses the intent object, and the account is processed. The transaction interface of the information (such as the interface through the bank card transfer, the interface through the mobile phone number / Alipay account transfer, etc.) is opened, and the parsed account information, transaction amount and other information are automatically written to the corresponding position of the transaction interface.

Before step S703, the above method may further have a step of generating a transaction operation control (such as the "direct transfer" operation button in FIG. 2(a) above), or a step of generating a transaction operation control based on a user-specific operation (such as the above). After clicking the account information in Figure 3(a), the window/menu containing the "Transfer to this account" transaction operation control pops up as shown in 3(b) above, so as to trigger the above steps after detecting that the transaction operation control is selected. S703.

It should be noted that the UI rendering diagram and the processing flowchart of the embodiment of the present invention are described by taking the transfer as an example, and of course, it is also applicable to other financial transactions such as collection. After the user selects a payment application, or the system directly opens a payment application, the presented financial transaction interface is a transfer interface, a collection interface, or other interface, which can be determined by the context of the received message, such as a short message. The module performs semantic analysis on the received information.

After receiving the message, the class A application of the mobile phone provided by another embodiment of the present application determines whether the preset keyword and the account information exist in the message analysis. When determining that the information includes the account information, extracting the information capable of supporting the account is determined. Paying the application, and placing the payment application into the generated alternative payment application list for the user to select, when the user selects one of the payment applications, enters the interface of the selected payment application, and when entering the payment application's transfer interface, The phone automatically fills in the payee and the receipt account The information of the number, and after the user supplements the information of the transfer interface, sends a transfer request to the network side to implement the transfer. The solution is that when the candidate payment application list is generated, the mobile phone can filter the payment application capable of processing the account information, and secondly, the user only needs to select the payment application in the list of alternative payment applications, without the user manually switching from the interface of the class A application. To the payment application interface, when the mobile phone enters the transfer interface of the selected payment application, the account information and the payee are automatically filled in, which facilitates the user to transfer and does not require the user to manually fill in the account information.

Referring to FIG. 8, FIG. 8 is a method for quickly entering a financial transaction according to another embodiment of the present application. The method is implemented by a mobile phone, and the mobile phone may include a class A application and a class B application, such as a short message. Mail, memo, etc., the B-type applications such as Alipay, banking application, paypal, etc., the method shown in Figure 8, including the following steps:

Step S801, the mobile phone X receives the message including the specified type data (such as a numeric string or an email address) sent by the mobile phone Y through a short message, a mail, or the like, and analyzes whether the message context includes a preset keyword (such as payment, transfer, Repayment, borrowing, card number, bank or account number, etc., to determine whether the upcoming user behavior is related to financial transactions such as transfer or collection.

For the implementation method of the foregoing step S801, refer to the implementation method of the foregoing step S701.

Step S802: If it is determined that the upcoming user behavior is related to a financial transaction such as transfer or collection, it is determined that the specified type of content is account information.

For the implementation method of the foregoing step S802, refer to the implementation method of the foregoing step S702.

In step S803, the owner of the account information is searched in the address book (in this embodiment, the account owner is considered to be the account information sender), and the account information is associated with the contact person.

Specifically, if the account information is a bank card number or an email address, the new attribute data can be saved as the contact or automatically saved to the contact information by the user. If the account information is a phone number, then the phone number is When the saved numbers in the address book are different, they are saved to the contact information. If the owner is not found, the user is automatically created or prompted to create a new contact, and the account information is automatically saved to the new contact information as the attribute data of the new contact or with the consent of the user.

The above method needs to match the contact before the account information is associated with the contact, specifically, if the type A application is the same as the control party of the address book application, such as a short message application and a mobile phone book, or a mail application. Phone book with mobile phone, or instant messaging app (WeChat, Facebook Etc.) with the address book/buddy list, the class A application can directly obtain the contact list in the address book application (such as the attribute data of each contact's name or nickname, phone number or instant messaging account), and then The sender of the account information (such as name or nickname, phone number or instant messaging account) matches each contact until the match is successful. Of course, the class A application can also send the sender of the account information to the address book. , this match is made by the address book. If the A-type application is different from the controlling party of the address book application, such as instant messaging applications such as WeChat and Facebook, and the mobile phone book, the A-type application may need to request the server to do this after obtaining the contact list in the address book. Matching, or you can obtain the sender's attribute data (such as mobile phone number, account number, etc.) from the server to perform this match locally. For example, the WeChat application obtains the mobile phone number corresponding to the sender from the server side, and then The phone number matches the phone number in the contact list.

Before the step S803 of the embodiment shown in FIG. 8 , the method may further include: after the class A application determines that the similar content is specified as the account information, the account information is classified and identified, that is, the account type corresponding to the account information is determined. The account type is then passed along with the account information to the contacts application, thereby enabling the address book application to perform subsequent steps such as screening and sorting of the payment application. Of course, after the address book application obtains the account information transmitted by the class A application, it can perform the classification and identification of the account information by itself. At this time, the address book application needs to be modified, that is, the function module of the classification identification process is added.

Step S804: Determine an optional payment application from all locally installed payment applications according to a preset screening rule to generate an alternative payment application list.

For the implementation method of the above step S804, refer to the implementation method of the above step S703.

Step S805: Sort each of the optional payment applications in the candidate payment application list according to a preset sorting rule to update the candidate payment application list.

For the implementation method of the foregoing step S805, refer to the implementation method of the foregoing step S704.

Step S806: When it is detected that one of the payment applications is selected, directly open a corresponding transaction interface of the payment application (such as a transfer interface, etc.), and further, the account information, or even the transaction amount or the account information owner name and other information. The user is automatically filled in the corresponding position on the trading interface, so that the user can perform subsequent operations.

For the implementation method of the above step S806, refer to the implementation method of the above step S705.

A technical solution provided by another embodiment of the present application, after receiving a message, the type A application of the mobile phone Determining whether there is a preset keyword and account information, and when determining that the information includes account information, associating the account information with a contact in the address book, and extracting a payment application capable of supporting the account information, and then The payment application is placed in the generated alternative payment application list and displayed in the contact interface for the user to select. When the user selects one of the payment applications, the user enters the interface of the selected payment application, and when entering the payment application's transfer interface, the mobile phone The information of the payee and the payment account is automatically filled in, and after the user supplements the information of the transfer interface, the transfer request is sent to the network side to implement the transfer. This solution can realize the association between the account information and the contact, which facilitates the user to establish the association between the account information and the contact.

The "specified type of data" described in all the above embodiments may also be a transaction link. For example, the payee (corresponding to the electronic device that sends the first information in the above embodiment, such as the mobile phone Y) fills in the payment on the paypal transaction platform. The mobile phone number or email address of the party (corresponding to the electronic device receiving the first information in the above embodiment, such as the mobile phone A), after generating the transaction link, notifying the payer by SMS or email (ie, the mobile phone A receives the short message including the transaction link) Or mail), the operation of the payer is similar to the above embodiment, that is, directly clicking the transaction link can display a list of alternative payment applications, and after selecting a payment application, the corresponding transaction interface can be directly opened for subsequent transactions.

At this time, it involves the identification of the transaction link by the electronic device (ie, the mobile phone X), and the filtering and sorting of the payment application by the transaction link and/or its context, for example, when there is a keyword such as “paypal or google wallet” in the context. The paypal or google wallet may be selected, or the transaction link may be parsed to determine the payment platform to which it belongs, and the like, which is not limited by the present invention.

Referring to FIG. 9 , FIG. 9 is an electronic device 900 provided by the present application. The electronic device 900 can be used to perform the steps and steps of the embodiment shown in FIG. 1 , as shown in the embodiment shown in FIG. 9 . For related descriptions, definitions of technical terms, and technical effects, refer to the description of the embodiment shown in FIG. 1. The details of the electronic device include:

The transceiver unit 901 is configured to receive first information by using a first application of the electronic device;

The analyzing unit 902 is configured to analyze the context of the first information according to the preset keyword;

a generating unit 903, configured to generate, when the first information includes the account information related to the financial transaction by using the analysis, generate an alternative payment application list, where the candidate payment application list includes: the electronic device is installed One or more payment applications in ;

The calling unit 904 is configured to invoke the alternative payment according to a user or a selection of the electronic device The financial transaction is completed by the first payment application in the application list.

Optionally, the electronic device further includes:

The determining unit 905 is configured to determine whether the first information includes data of a specified type, and the specified type includes one or more of a numeric string and an email address;

The analyzing unit 902 is further configured to: if the determining unit determines that the first information includes data of a specified type, analyze the context of the first information according to the preset keyword;

The analyzing unit 902 is further configured to: if the determining unit determines that the information does not include the specified type of data, the first information is not processed.

Optionally, the electronic device further includes:

The display unit 906 is configured to display the candidate payment application list on the electronic device.

Optionally, the generating unit 903 is specifically configured to generate an alternative payment application list according to the account processing capability and the account information of each payment application installed in the electronic device.

Optionally, the generating unit 903 is specifically configured to generate, according to an account processing capability of each payment application installed in the electronic device, the account information, and an attribute of the context or account information of the first information. An alternative payment application list, wherein the context of the first information comprises an identification of a payment application, the attribute of the account information comprising an issuer of the account information.

Optionally, the generating unit 903 is specifically configured to add the one or more payment applications capable of processing the account information to the standby according to an account processing capability of each payment application installed in the electronic device. Select the payment application list.

Optionally, the generating unit 903 is specifically configured to join the one or more payment applications capable of processing the first type of the account information according to an account processing capability of each application installed in the electronic device. The candidate payment application list, the first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule, and the specified type includes: one of a numeric string and an email address or A variety.

Optionally, the analyzing unit 902 is further configured to: when the first information includes a digit string, determine, according to the length or context of the digit string, that the digit string is a mobile phone number or a bank card number, thereby determining the account type. For mobile phone number accounts or bank card accounts; or,

When the first information includes an email address, it is determined that the account type is an email account.

Optionally, the calling unit 904 is specifically configured to invoke the first payment that matches the account information. The financial transaction is completed using an interface and automatically filling the account information into the first payment application interface.

Optionally, the foregoing electronic device may further include: a sorting unit 907, configured to sort the plurality of payment applications in the candidate payment application list according to a preset sorting rule.

Optionally, the foregoing electronic device further includes: a verification unit 908, configured to verify the reliability of the sender of the first information.

Optionally, the foregoing electronic device may further include:

The determining unit 905 is configured to determine whether the owner of the account information matches the first contact in the address book;

The association unit 912 is configured to associate the account information to the first contact if the determining unit 905 determines that the owner of the account information matches the first contact; if the determining unit 905 determines If the owner of the account information does not match all the contacts in the address book, the user is automatically or prompted to create a second contact in the address book, and the account information is associated with the second contact. people.

Optionally, the foregoing electronic device may further include:

The searching unit 910 is configured to: if the third contact page in the address book receives a specific operation for searching for account information, searching, in the electronic device, the related to the third contact that is received within a preset time The account information and associate the account information to the third contact.

Optionally, the foregoing electronic device may further include:

The display unit 906 is configured to display an icon corresponding to each payment application in the candidate payment application list at a location corresponding to the account information, so that the user passes through the contact in the address book. The icon selects the corresponding payment application.

Referring to FIG. 10, FIG. 10 is an electronic device 100 according to another embodiment of the present disclosure. The electronic device 100 may be a device such as a mobile phone or a tablet computer. The electronic device 100 includes a processor 1001 and a memory. 1002, a transceiver 1003, a display 1005, and a bus 1004. The transceiver 1003 is configured to transmit and receive data with and from an external device. The number of processors 1001 in the electronic device 100 may be one or more. In some embodiments of the present application, the processor 1001, the memory 1002, the display 1005, and the transceiver 1003 may be connected by a bus or other means. The electronic device 100 can be used to perform the refinement of the method and method illustrated in FIG. The meaning of the terms involved in this embodiment and For example, reference may be made to the embodiment corresponding to FIG. 1. I will not repeat them here.

The transceiver 1003 is configured to receive first information by using the first application.

The program code is stored in the memory 1002. The processor 1001 is configured to call program code stored in the memory 1002 for performing the following operations:

The processor 1001 is configured to analyze, according to a preset keyword, a context of the first information, and when determining, by the analyzing, that the first information includes account information related to a financial transaction, generate an alternative payment application list, The candidate payment application list includes: one or more payment applications installed in the electronic device; and calling the first payment application in the candidate payment application list to be completed according to the user or the selection of the electronic device The financial transaction.

It should be noted that the processor 1001 herein may be a processing component or a general term of multiple processing components. For example, the processing component may be a central processing unit (CPU), an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application. For example, one or more digital singal processors (DSPs), or one or more Field Programmable Gate Arrays (FPGAs).

The memory 1002 may be a storage device or a collective name of a plurality of storage elements, and is used to store executable program code or parameters, data, and the like required for the application running device to operate. And the memory 403 may include random access memory (RAM), and may also include non-volatile memory such as a magnetic disk memory, a flash memory, or the like.

The bus 1004 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. The bus can be divided into an address bus, a data bus, a control bus, and the like. For ease of representation, only one thick line is shown in FIG. 10, but it does not mean that there is only one bus or one type of bus.

The electronic device may further include input and output means connected to the bus 804 for connection to other parts such as the processor 1001 via a bus. The input/output device can provide an input interface for the operator, so that the operator can select the control item through the input interface, and can also be other interfaces through which other devices can be externally connected.

Those skilled in the art can understand all or part of the process in implementing the above embodiments. This may be accomplished by a computer program instructing the associated hardware, which may be stored in a computer readable storage medium, which, when executed, may include the flow of an embodiment of the methods described above. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

The above disclosure is only a preferred embodiment of the present invention, and of course, the scope of the present invention is not limited thereto, and those skilled in the art can understand all or part of the process of implementing the above embodiments, and according to the present invention. The equivalent changes required are still within the scope of the invention.

Claims

A method for quickly entering a financial transaction, the method being applied to an electronic device, comprising:

The first application of the electronic device receives the first information;

The context of the first information is analyzed according to a preset keyword;

When determining, by the analysis, that the first information includes account information related to a financial transaction, generating an alternative payment application list, the candidate payment application list including: one or more installed in the electronic device Payment application

The first payment application in the list of alternative payment applications is invoked to complete the financial transaction based on the user or the selection of the electronic device.
The method according to claim 1, wherein after the first application of the electronic device receives the first information, and before analyzing the context of the first information according to the preset keyword, the method further includes:

Determining whether the first information includes data of a specified type, and the specified type includes one or more of a numeric string and an email address;

If the first information includes data of a specified type, analyzing the context of the first information according to the preset keyword;

If the first information does not contain data of a specified type, the first information is not processed.
The method according to claim 1 or 2, wherein after the generating the candidate payment application list, selecting the first payment application in the candidate payment application list according to the user or the electronic device Previously, it also included:

The list of alternative payment applications is displayed on the electronic device.
The method according to any one of claims 1-3, wherein the generating an alternative payment application list comprises:

An alternative payment application list is generated based on account processing capabilities and the account information of each payment application installed in the electronic device.
The method according to any one of claims 1 to 4, wherein the generating the list of alternative payment applications comprises:

Generating an alternative payment application list according to the context of the first information or the attribute of the account information, wherein the context of the first information includes an identifier of the payment application, and the attribute of the account information includes an issuer of the account information .
The method according to claim 4, wherein the generating a list of candidate payment applications according to the account processing capability and the account information of each application installed in the electronic device comprises:

The one or more payment applications capable of processing the account information are added to the list of alternative payment applications based on account processing capabilities of each payment application installed in the electronic device.
The method of claim 6 wherein said one or more payment applications capable of processing said account information are added to said candidate based on account processing capabilities of each application already installed in said electronic device A list of payment applications, including:

Adding the one or more payment applications capable of processing the first type of the account information to the candidate payment application list according to an account processing capability of each payment application installed in the electronic device, The first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule, and the specified type includes one or more of a numeric string and an email address.
The method according to claim 7, wherein the account type determined after the account information is identified according to a preset identification rule comprises:

When the first information includes a digit string, determining, according to the length or context of the digit string, the digit string is a mobile phone number or a bank card number, thereby determining that the account type is a mobile phone number account or a bank card account; or

When the first information includes an email address, it is determined that the account type is an email account.
The method according to any one of claims 1-8, wherein the invoking the first payment application in the list of candidate payment applications to complete the financial transaction comprises:

A first payment application interface matching the account information is invoked and the account information is automatically populated into the first payment application interface to complete the financial transaction.
The method according to any one of claims 1 to 9, wherein the method further comprises: sorting a plurality of payment applications in the list of alternative payment applications according to a preset ranking rule.
The method according to any one of claims 1 to 10, wherein the method further comprises:

Verifying the reliability of the sender of the first information.
The method according to claim 1, wherein after the determining, by the analyzing, that the first information comprises account information related to a financial transaction, the method further comprises:

Determining whether the owner of the account information matches the first contact in the address book;

If the owner of the account information matches the first contact, the account information is associated with the first contact;

If the owner of the account information does not match all the contacts in the address book, automatically or prompt the user to create a second contact in the address book, and associate the account information to the second Contact person.
The method of claim 1 further comprising:

If the third contact page in the address book receives a specific operation for searching for account information, searching, in the electronic device, the account information related to the third contact received within a preset time And associating the account information to the third contact.
The method according to any one of claims 12 to 13, after the generating the candidate payment application list, selecting the first payment application in the list of alternative payment applications according to the user or the electronic device Previously, it also included:

Displaying an icon corresponding to each payment application in the candidate payment application list at a position corresponding to the account information, so that the user selects a corresponding payment through the icon in the contact of the address book. application.
An electronic device, comprising:

a transceiver unit, configured to receive first information by using a first application of the electronic device;

An analyzing unit, configured to analyze a context of the first information according to a preset keyword;

a generating unit, configured to generate, when the determining, by the analyzing, the first information includes account information related to a financial transaction, the candidate payment application list, the candidate payment application list comprising: being installed in the electronic device One or more payment applications;

And a calling unit, configured to invoke the first payment application in the list of alternative payment applications to complete the financial transaction according to a user or a selection of the electronic device.
The electronic device according to claim 15, wherein the electronic device further comprises:

a determining unit, configured to determine whether the information includes a specified type of data, the specified type Including: one or more of a numeric string and an email address;

The analyzing unit is further configured to: if the determining unit determines that the information includes the specified type of data, analyze the context of the first information according to the preset keyword;

The analyzing unit is further configured to: if the determining unit determines that the first information does not include data of a specified type, the first information is not processed.
The method of claim 15 or 16, wherein the electronic device further comprises:

a display unit, configured to display the list of candidate payment applications on the electronic device.
The electronic device according to any one of claims 15-17, wherein the generating unit is specifically configured to: according to an account processing capability and the account information of each payment application installed in the electronic device , generating a list of alternative payment applications.
The electronic device according to any one of claims 15 to 18, wherein the generating unit is configured to generate an alternative payment application list according to an attribute of the first information or an attribute of the account information, where The context of the first information includes an identification of a payment application, and the attribute of the account information includes an issuer of the account information.
The electronic device according to claim 18, wherein the generating unit is configured to: process the one or more of the account information according to an account processing capability of each payment application installed in the electronic device The payment application joins the list of alternative payment applications.
The electronic device according to claim 20, wherein the generating unit is specifically configured to process the account information of the first type according to an account processing capability of each payment application installed in the electronic device The one or more payment applications are added to the candidate payment application list, and the first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule, where the specified type includes: a numeric string One or more of the email addresses.
The electronic device according to claim 21, wherein the analyzing unit is further configured to: when the first information includes a digital string, determine that the digital string is a mobile phone number or according to a length or a context of the digital string The bank card number is further determined to be the mobile phone number account or the bank card account; or, when the first information includes the email address, the account type is determined to be an email account.
The electronic device according to any one of claims 15 to 22, wherein the calling unit is specifically configured to invoke a first payment application interface that matches the account information and the account The information is automatically populated into the first payment application interface to complete the financial transaction.
The electronic device according to any one of claims 15 to 23, wherein the electronic device further comprises:

a sorting unit, configured to sort the plurality of payment applications in the candidate payment application list according to a preset sorting rule.
The electronic device according to any one of claims 15 to 24, wherein the electronic device further comprises:

And a verification unit, configured to verify the reliability of the sender of the first information.
The electronic device according to claim 15, wherein the electronic device further comprises:

The determining unit is configured to determine whether an owner of the account information matches a first contact in the address book;

And an association unit, configured to: if the determining unit determines that the owner of the account information matches the first contact, associate the account information to the first contact; if the determining unit determines If the owner of the account information does not match all the contacts in the address book, the user is automatically or prompted to create a second contact in the address book, and the account information is associated with the second contact. .
The electronic device according to claim 15, wherein the electronic device further comprises:

a searching unit, configured to search, in the electronic device, a specific operation related to the third contact received within a preset time period if the third contact page in the address book receives a specific operation for searching for account information The account information is associated with the account information to the third contact.
The electronic device according to any one of claims 26 to 27, further comprising:

a display unit, configured to display an icon corresponding to each payment application in the candidate payment application list at a location corresponding to the account information, so that the user passes the The icon selects the corresponding payment application.
An electronic device, comprising: a transceiver, a processor, a memory, a display, and a bus, wherein the transceiver, the processor, the memory, and the display are connected by using the bus;

The transceiver is configured to receive first information by using a first application of the electronic device;

The processor is configured to analyze a context of the first information according to a preset keyword; when determining, by the analyzing, that the first information includes account information related to a financial transaction, generating a list of candidate payment applications The candidate payment application list includes: one or more payment applications installed in the electronic device; and calling the first payment application in the candidate payment application list according to the user or the selection of the electronic device Complete the financial transaction.
The electronic device according to claim 29, wherein the processor is further configured to determine whether the first information includes data of a specified type, and the specified type includes: one of a numeric string and an email address. If the first information is included in the first information, the context of the first information is analyzed according to the preset keyword; if it is determined that the first information does not include the specified type The data is not processed by the first information.
The electronic device according to claim 29 or 30, wherein the display is configured to display the list of alternative payment applications on the electronic device.
The electronic device according to any one of claims 29 to 31, wherein the processor is specifically configured to process an account processing capability and the account information according to each payment application installed in the electronic device. , generating a list of alternative payment applications.
The electronic device according to any one of claims 29 to 32, wherein the processor is configured to generate an alternative payment application list according to an attribute of the first information or an attribute of the account information, where The context of the first information includes an identification of a payment application, and the attribute of the account information includes an issuer of the account information.
The electronic device according to claim 32, wherein the processor is specifically configured to be capable of processing the one or more of the account information according to an account processing capability of each payment application installed in the electronic device The payment application joins the list of alternative payment applications.
The electronic device according to claim 34, wherein the processor is specifically configured to be capable of processing the first type of the account information according to an account processing capability of each payment application installed in the electronic device The one or more payment applications are added to the candidate payment application list, and the first type includes a specified type or an account type determined by identifying the account information according to a preset identification rule, where the specified type includes: a numeric string One or more of the email addresses.
The electronic device according to claim 35, wherein said processor is specific When the first information includes a digit string, determining, according to the length or context of the digit string, that the digit string is a mobile phone number or a bank card number, thereby determining that the account type is a mobile phone number account or a bank card account; or And when the first information includes an email address, determining that the account type is an email account.
The electronic device according to any one of claims 29 to 36, wherein the processor is specifically configured to invoke a first payment application interface that matches the account information and automatically fill in the account information. The financial transaction is completed to the first payment application interface.
The electronic device according to any one of claims 29 to 37, wherein the processor is further configured to sort the plurality of payment applications in the candidate payment application list according to a preset sorting rule.
The electronic device according to any one of claims 29 to 38, wherein the processor is further configured to verify the reliability of the sender of the first information.
The electronic device according to claim 29, wherein the processor is configured to determine whether an owner of the account information matches a first contact in an address book;

If the owner of the account information matches the first contact, the account information is associated with the first contact;

If the owner of the account information does not match all the contacts in the address book, automatically or prompt the user to create a second contact in the address book, and associate the account information to the second Contact person.
The electronic device according to claim 29, wherein said processor is configured to search in said electronic device if a third contact page in the address book receives a specific operation for searching for account information The account information related to the third contact received within a preset time, and the account information is associated with the third contact.
The electronic device according to any one of claims 40 to 41, wherein the display is further configured to: display an icon corresponding to each payment application in the candidate payment application list at a position corresponding to the account information Displayed so that the user selects a corresponding payment application through the icon in the contact of the address book.