WO2021031073A1

WO2021031073A1 - Account transfer method and electronic device

Info

Publication number: WO2021031073A1
Application number: PCT/CN2019/101402
Authority: WO
Inventors: 周诗松; 叶智星
Original assignee: 海付移通科技香港有限公司
Priority date: 2019-08-19
Filing date: 2019-08-19
Publication date: 2021-02-25
Also published as: CN112912911A

Abstract

An account transfer method and an electronic device. The account transfer method is applied to an electronic device (110), the electronic device (110) being installed with a virtual keyboard and an electronic wallet, and comprises: the virtual keyboard being configured with a payment instruction, wherein the payment instruction is used to initiate a payment request to the electronic wallet (S41); when the electronic wallet monitors the payment request (S42), running an account transfer function module and popping up an account transfer page (S43); and the electronic wallet performing account transfer processing on the basis of account data and account transfer amount data determined on the account transfer page (S44). According to the method, account transfer is performed by means of a virtual keyboard, such that the technical problem of complicated and cumbersome operation caused by the current account transfer operation relying on application programs can be solved, thereby realizing fast account transfer.

Description

A transfer method and electronic equipment

Technical field

The present invention relates to the field of mobile payment technology, in particular to a transfer method and electronic equipment.

Background technique

At present, with the development of terminal technology, applications are emerging in an endless stream, and various applications have begun to be developed, including various transaction programs. As transaction volume increases, transfer operations also increase. Various wallet programs It has also emerged that various wallet applications can transfer money to different users, and the wallet application binds different transfer accounts.

However, if the user needs to use the functions of the wallet application, he must open the application and go to the corresponding functional interface of the application to perform the corresponding transfer operation. For frequently used transfer operations, this method is too cumbersome and affects the user Experience.

Summary of the invention

Based on this, it is necessary to provide a transfer method and electronic equipment for the above technical problems, to solve the current transfer operation relying on the application to cause complicated and cumbersome operations, and to achieve fast transfer.

In the first aspect, an embodiment of the present invention provides a transfer method applied to an electronic device, the electronic device is installed with a virtual keyboard and an electronic wallet, characterized in that the virtual keyboard is configured with a payment instruction, the payment instruction is used Initiating a payment request to the electronic wallet; when the electronic wallet monitors the payment request, it runs the transfer function module, and a transfer page pops up; the electronic wallet performs processing based on the account data and the transfer amount data determined on the transfer page Transfer processing.

In some embodiments, when the electronic wallet monitors the payment request, the method further includes: determining whether the payment request is associated with account data of at least one receiving account;

If yes, present the account data on the transfer page;

If not, obtain the account data through the transfer page.

In some embodiments, the payment instruction is formed when one or more virtual keys of the virtual keyboard sense a valid operation.

In some embodiments, the virtual keyboard is configured with a virtual key dedicated to the payment instruction, and the virtual keyboard determines whether the payment instruction is mapped to the electronic wallet during the startup process;

If yes, the virtual keyboard displays the virtual keys;

If not, the virtual keyboard hides the virtual keys.

In some embodiments, the method further includes:

Receiving the application trigger instruction sent by the user on the user interface of the electronic device, and presenting the virtual keyboard;

Receive the virtual key of the virtual keyboard triggered by the user, and generate the payment instruction.

In some embodiments, the application triggering instructions include: text input instructions, voice input instructions, image input instructions, and video input instructions.

In some embodiments, the account data includes a mobile phone number, a user account, and a user name, the user account includes a transfer account and a collection account, the transfer amount data includes a transfer amount; the electronic wallet is based on the transfer page The confirmed account data and transfer amount data are processed for transfer, including:

Obtain the mobile phone number entered by the user on the transfer page, and determine the receiving account corresponding to the transfer amount data;

According to the transfer amount data, the transfer amount corresponding to the transfer amount data is transferred from the transfer account to the receiving account.

In some embodiments, the method further includes:

Determining the operating area of the virtual keyboard;

Perform area division on the operation area of the virtual keyboard, and divide the operation area into N sub-areas, where N is a positive integer and N≥2;

Respectively calculating the operating frequencies of the N sub-regions;

According to the operating frequency, it is determined that the virtual key corresponding to the payment instruction is located in the operating area of the virtual keyboard.

In the second aspect, an embodiment of the present invention also provides a transfer device applied to an electronic device, the electronic device is installed with a virtual keyboard and an electronic wallet, and the device includes:

The virtual keyboard module is used to configure payment instructions and initiate payment requests to the electronic wallet;

The electronic wallet module is used to monitor payment requests and perform transfer operations;

The transfer function module is used to generate a transfer page according to the payment request;

The transfer processing module is configured to perform transfer processing based on the account data and transfer amount data determined on the transfer page.

In some embodiments, the device further includes:

The payment request judgment module is used to judge whether the payment request is associated with the account data of at least one receiving account when the electronic wallet monitors the payment request;

If yes, present the account data on the transfer page;

If not, obtain the account data through the transfer page.

In some embodiments, the virtual keyboard is configured with a virtual key dedicated to the payment instruction, and the device further includes:

The electronic wallet judgment module is used for judging whether the payment instruction is mapped to the electronic wallet during the startup process of the virtual keyboard;

If yes, the virtual keyboard displays the virtual keys;

If not, the virtual keyboard hides the virtual keys.

In some embodiments, the device further includes:

A payment instruction generating module, configured to receive an application trigger instruction sent by a user on a user interface of an electronic device, and present the virtual keyboard;

In some embodiments, the account data includes a mobile phone number, a user account, and a user name, the user account includes a transfer account and a collection account, the transfer account corresponds to a transfer account, and the collection account corresponds to a collection account, The transfer amount data includes the transfer amount; the transfer processing module is specifically used for:

In some embodiments, the device further includes:

The virtual key position module is used to determine the operation area of the virtual keyboard;

Division of the operation area of the virtual keyboard is performed, and the operation area is divided into N sub-areas, where N is a positive integer and N≥2;

Respectively calculating the operating frequencies of the N sub-regions;

In a third aspect, an embodiment of the present invention also provides an electronic device, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the aforementioned transfer method.

In a fourth aspect, the embodiments of the present invention also provide a non-volatile computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by an electronic device, The electronic device is caused to execute the above-mentioned transfer method.

Compared with the prior art, the beneficial effect of the present invention is: different from the situation in the prior art, the transfer method in the embodiment of the present invention is applied to an electronic device that is equipped with a virtual keyboard and an electronic wallet. The method includes: the virtual keyboard is configured with a payment instruction, the payment instruction is used to initiate a payment request to the electronic wallet; when the electronic wallet monitors the payment request, it runs the transfer function module and pops up the transfer page; The electronic wallet performs transfer processing based on the account data and transfer amount data determined on the transfer page. Through the virtual keyboard to transfer funds, the present invention can solve the technical problem of complicated and cumbersome operations caused by current transfer operations relying on application programs, and realize fast transfer.

Description of the drawings

One or more embodiments are exemplified by the pictures in the corresponding drawings. These exemplified descriptions do not constitute a limitation on the embodiments. Elements with the same reference numbers in the drawings are represented as similar elements. Unless otherwise stated, the figures in the attached drawings do not constitute a limitation of scale.

FIG. 1 is a schematic structural diagram of a transfer system provided by an embodiment of the present invention;

FIG. 2 is a schematic diagram of the hardware structure of the electronic device 110 in FIG. 1;

FIG. 3 is a schematic diagram of the hardware structure of the transfer platform server 120 in FIG. 1;

FIG. 4 is a schematic flowchart of a transfer method provided by an embodiment of the present invention;

FIG. 5 is a schematic diagram of a user interface provided by an embodiment of the present invention;

Figure 6a is a schematic diagram of a virtual keyboard provided by an embodiment of the present invention;

Figure 6b is a schematic diagram of another virtual keyboard provided by an embodiment of the present invention;

FIG. 7 is a schematic diagram of a transfer page provided by an embodiment of the present invention;

FIG. 8 is a schematic diagram of another transfer page provided by an embodiment of the present invention;

Figure 9 is a schematic diagram of a transfer process provided by an embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a transfer method provided by an embodiment of the present invention.

detailed description

In order to make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be described clearly and completely in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of the embodiments of the present invention, not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

It should be noted that if there is no conflict, the various features in the embodiments of the present invention can be combined with each other, and all fall within the protection scope of the present invention. In addition, although functional modules are divided in the schematic diagram of the device, and the logical sequence is shown in the flowchart, in some cases, it may be different from the module division in the device, or the sequence shown in the flowchart may be executed. Or the steps described. Furthermore, the words "first", "second", "third" and the like used in the present invention do not limit the data and execution order, but only distinguish the same or similar items with basically the same function and effect.

In order to facilitate readers to better understand the present invention, before describing the application concept of the present invention, the operating environment of the present invention will be described first.

Please refer to FIG. 1, which is a schematic structural diagram of a transfer system provided by an embodiment of the present invention;

As shown in FIG. 1, the transfer system 100 includes: at least one electronic device 110 and a transfer platform server 120, wherein each of the electronic devices 110 is communicatively connected to the transfer platform server 120, specifically, the electronic device 110 is connected via a network The transfer platform server 120 is communicatively connected, and the network is used to provide a communication link between the electronic device 110 and the transfer platform server 120. The network may include various connection types, such as wired and wireless communication links. Road or fiber optic cable, etc.

Please refer to FIG. 2 again, which is a schematic diagram of the hardware structure of the electronic device 110 in FIG. 1;

As shown in FIG. 2, the electronic device 110 may include: at least one processor 111, such as a central processing unit (CPU), a graphics processing unit (GPU), at least one communication bus 112, and a user Interface 113, at least one network interface 114, memory 115, and display 116.

Among them, the at least one processor 111 and the at least one memory 115 may be connected by a bus or in other manners. The connection by a bus is taken as an example in FIG. 2.

As a non-volatile computer-readable storage medium, the memory 115 can be used to store non-volatile software programs, non-volatile computer-executable programs and modules, such as the instructions/modules corresponding to the transfer method of the present invention, including: Operating system, network communication module, user interface module, transfer function module, online payment application program, etc., wherein the transfer function module is used to generate a transfer page and present the transfer page on the user interface of the electronic device. The processor 111 executes various functional applications and data processing of the server by running non-volatile software programs, instructions, and modules stored in the memory 82, that is, realizing the transfer method of the present invention.

The memory 115 may include a storage program area and a storage data area. The storage program area may store an operating system and an application program required by at least one function; the storage data area may store data created by transfers and the like. In addition, the memory 115 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one magnetic disk storage device, a flash memory device, or other non-volatile solid-state storage devices. In some embodiments, the storage 115 may optionally include a storage remotely provided with respect to the processor 111, and these remote storages may be connected to the transfer device via a network. Examples of the aforementioned networks include but are not limited to the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

The one or more modules are stored in the memory 115, and when executed by the one or more processors 111, the transfer method in any of the foregoing method embodiments is executed.

Among them, the communication bus 112 is used to implement connection and communication between these components. The user interface 113 may include a camera, a display (Display), a keyboard (Keyboard), etc. Optionally, the user interface 113 may also include a standard wired interface and a wireless interface. The network interface 114 may optionally include a standard wired interface and a wireless interface (such as a WIFI interface). The memory 115 may be a high-speed RAM memory, or a non-volatile memory (non-volatile memory), such as at least one disk memory. Optionally, the memory 115 may also be at least one storage device located far away from the aforementioned processor 111.

As shown in FIG. 2, the memory 115 as a computer storage medium may include an operating system, a network communication module, a user interface module, and an online payment application program.

In the electronic device 110 shown in FIG. 2, the network interface 114 is mainly used to connect to the transfer platform server and perform data communication with the transfer platform server; and the user interface 113 is mainly used to connect to external devices, such as electronic devices such as cameras and keyboards; The processor 111 may be used to call the online payment application stored in the memory 115 and perform the following operations:

Sending a transfer transaction instruction to the transfer platform server through the network interface 114, so that the transfer platform server can process the transfer transaction instruction;

The processing result sent by the transfer platform server is received through the network interface 114, where the processing result can be output through the display screen 116, for example, through the display screen 116 in the form of text, image, logo or a combination of text, image, and logo. Display 116;

Wherein, the electronic device 110 described in FIG. 2 can respond to instructions generated by the user operating the operating keys of the virtual keyboard in the virtual keyboard, eliminating the cumbersome operation caused by the user opening the wallet application and transferring funds through the wallet application, thereby It can simplify transfer operations and improve online payment efficiency.

It is understandable that both the electronic device 110 and the transfer platform server 120 provided in the embodiment of the present invention are at least one, that is, one or more.

In the embodiment of the present invention, the electronic device 110 includes but is not limited to:

(1) Mobile communication equipment: This type of equipment is characterized by mobile communication functions, and its main goal is to provide voice and data communications. Such electronic devices include: smart phones (such as iPhone), multimedia phones, functional phones, and low-end phones.

(2) Mobile personal computer equipment: This type of equipment belongs to the category of personal computers, has calculation and processing functions, and generally also has mobile Internet features. Such electronic devices include: PDA, MID and UMPC devices, such as iPad.

(3) Portable entertainment equipment: This type of equipment can display and play video content, and generally also has mobile Internet features. Such devices include: video players, handheld game consoles, as well as smart toys and portable car navigation devices.

(4) Other electronic equipment with video playback function and Internet access function.

In the embodiment of the present invention, the electronic device 110 is communicatively connected with the transfer platform server 120, for example: the electronic device 110 is communicatively connected with the transfer platform server 120 through a wired network or a wireless network, and the electronic device 110 may have a display The electronic device 110 can also install various communication electronic terminal applications, such as wallet applications, travel applications, and social applications. The electronic device 110 can run a browser or There are other applications that can load and display web pages.

Please refer to FIG. 3 again, which is a schematic diagram of the hardware structure of the transfer platform server 120 in FIG. 1;

As shown in FIG. 3, the transfer platform server 120 may include: at least one processor 121, such as a central processing unit (CPU), a graphics processing unit (GPU), and at least one communication bus 122, A user interface 123, at least one network interface 124 and a memory 125.

Among them, the communication bus 122 is used to implement connection and communication between these components. The user interface 123 may include a camera, a display screen (Display), a keyboard (Keyboard), etc. Optionally, the user interface 123 may also include a standard wired interface and a wireless interface. The network interface 114 may optionally include a standard wired interface and a wireless interface (such as a WIFI interface). The memory 125 may be a high-speed RAM memory, or a non-volatile memory (non-volatile memory), such as at least one disk memory. Optionally, the memory 125 may also be at least one storage device located far away from the aforementioned processor 121. As shown in FIG. 3, the memory 125 as a computer storage medium may include an operating system, a network communication module, a user interface module, and an online payment application program.

In the transfer platform server 120 shown in FIG. 3, the network interface 124 is mainly used to connect electronic devices and perform data communication with the electronic devices, and the user interface 123 is mainly used to connect electronic devices to establish a connection between the transfer platform server 120 and the electronic devices. The processor 121 can call the online payment application stored in the memory 125 by the user to process the transfer transaction instruction sent by the electronic device to complete the online payment operation.

In the embodiment of the present invention, the transfer platform server 120 may be a server, such as a rack server, a blade server, a tower server, or a cabinet server, etc., or a server cluster composed of several servers, or In a cloud computing service center, the transfer platform server 120 is mainly used to process the transfer transaction instructions sent by the electronic device 110 and return the processing result to the electronic device 110 so that the electronic device 110 displays the processing result on the The user interface of the electronic device 110.

In the embodiment of the present invention, the transfer platform server includes, but is not limited to, one or more of a tower server, a rack server, a blade server, and a cloud server.

Example one

Please refer to FIG. 4, which is a schematic flowchart of a transfer method according to an embodiment of the present invention;

As shown in Fig. 4, the transfer method is applied to an electronic device that is equipped with a virtual keyboard and an electronic wallet, and the method includes:

Step S41: Initiate a payment request to the electronic wallet through a payment instruction;

Specifically, the virtual keyboard is configured with a payment instruction, and the payment instruction is used to initiate a payment request to the electronic wallet, wherein the user triggers the generation of the payment instruction through the virtual keyboard, and sends the payment instruction to The electronic wallet to initiate a payment request,

Specifically, the payment instruction is formed when one or more virtual keys of the virtual keyboard sense a valid operation, where the valid operation includes: a click operation, a slide operation, a long press operation, and the like.

In the embodiment of the present invention, the method further includes: establishing a correspondence between the operation keys embedded in the virtual keyboard of the electronic device and the application program, and the operation keys include a transfer key;

Specifically, the virtual keyboard of the electronic device is embedded with multiple operation buttons, wherein each operation button corresponds to a specific application, for example: the virtual keyboard of the electronic device is embedded with transfer buttons, chat buttons, news buttons, game buttons, etc. , Among them, each operation button corresponds to a category of applications, for example: transfer button corresponds to transfer applications, such as WeChat, Alipay, wallet and other applications, chat button corresponds to WeChat, QQ, SMS, phone and other applications, news button Corresponding to applications such as Tencent News and NetEase News, the game buttons correspond to applications such as Honor of Kings, PlayerUnknown's Battlegrounds, etc. Further, in order to better match the virtual keyboard with the application, the method also includes: establishing operation keys for the virtual keyboard There is a one-to-one correspondence with an application program, wherein the transfer button corresponds to a wallet application, and the transfer button is used to trigger the wallet application, such as an electronic wallet. By sending a payment request to the electronic wallet, The user or account designated by the user performs transfer operations.

By establishing the correspondence between the operating keys embedded in the virtual keyboard of the electronic device and the application program, the important and frequently used application program of the electronic device can be started through the virtual keyboard, which is conducive to quickly launching the application program and convenient for the user. operating.

Step S42: monitor the payment request;

Specifically, the electronic wallet is used to monitor the payment request sent by the electronic device. Specifically, the user interface or the application program interface of the electronic device is monitored to trigger the transfer button, thereby generating an application trigger instruction, and by receiving the user The application trigger instruction sent on the user interface or application program interface of the electronic device presents the virtual keyboard, and receives the virtual keys of the virtual keyboard triggered by the user to generate the payment instruction, wherein the virtual keys of the virtual keyboard Includes transfer button.

Please refer to FIG. 5 again, which is a schematic diagram of a user interface provided by an embodiment of the present invention;

As shown in Figure 5, the virtual keys of the virtual keyboard include a transfer button. When the user clicks the transfer button, a payment instruction will be generated, and a payment request will be initiated to the electronic wallet through the payment instruction, so that the electronic The wallet runs the transfer function module, and the transfer page pops up.

Acquiring an application trigger instruction generated by the user interface of the electronic device, and starting the virtual keyboard of the electronic device;

Specifically, when the electronic device opens the user interface of the application, it obtains the application trigger instruction generated by the user interface of the electronic device, for example: when opening the user interface of any application, click any application The text input box of the user interface of the user interface generates an application trigger instruction, and then activates the virtual keyboard of the application program, and then presents the operation keys in the virtual keyboard, for example: presents the transfer key in the virtual keyboard .

Please refer to FIGS. 6a and 6b together. FIG. 6a is a schematic diagram of a virtual keyboard provided by an embodiment of the present invention; FIG. 6b is a schematic diagram of another virtual keyboard provided by an embodiment of the present invention;

As shown in FIG. 6a, when clicking a text input box on the user interface of any application program, an application triggering instruction is generated to start the virtual keyboard of the application program, and then the operation keys are presented in the virtual keyboard;

And, as shown in Fig. 6b, when the virtual keyboard is switched, for example, when switching from a numeric keyboard to an English keyboard, the transfer keys of the virtual keyboard are still kept in the operation area of the virtual keyboard, which is convenient The user performs the operation.

Step S43: Run the transfer function module and pop up the transfer page;

Specifically, the transfer function module is triggered by an electronic wallet, and the transfer function module is used to generate a transfer page and present the transfer page on the user interface of the electronic device.

Specifically, receiving the payment instruction generated by the user triggering the transfer button of the virtual keyboard of the user interface, and sending the payment request to the electronic wallet through the payment instruction, so that the electronic wallet runs the transfer function module, and the transfer page pops up; specifically, It is received that the user clicks the transfer button in the operation area of the virtual keyboard, and the function corresponding to the transfer button is dispatched through the interface, and the link is transferred to the transfer page.

Please refer to FIG. 7, which is a schematic diagram of a transfer page provided by an embodiment of the present invention;

As shown in Figure 7, after clicking the transfer button, you enter the transfer page, the transfer page includes a collection information input box, the collection information includes the payee information, such as: payee phone number, payee identity Certificate number, payee’s bank account and other information.

Specifically, the payee phone number is bound to a bank account of the payee, and the payee ID number is also bound to a bank account of the payee. The phone number of the payee or the ID number of the payee can determine the bank account of the payee, thereby facilitating the transfer.

Please refer to FIG. 8 again, which is a schematic diagram of another transfer page provided by an embodiment of the present invention;

As shown in Figure 8, after entering the payment information, click the further button to further obtain the transfer amount, and by entering the transfer amount, determine the amount corresponding to the transfer amount to the receiving account.

Step S44: Perform transfer processing based on the account data and transfer amount data determined on the transfer page;

Specifically, the user inputs the account data and the transfer amount data through the transfer page, the account data includes account information, the transfer amount data includes the transfer amount information, and the electronic device receives the account information generated on the transfer page to transfer the account to the account. The information is processed, and the processing result is generated and presented on the user interface of the electronic device.

Specifically, the account information includes beneficiary information, such as: beneficiary phone number, beneficiary ID number, beneficiary’s bank account, transfer account, and other information. The transfer amount information includes: transfer amount, The method of receiving the account information and transfer amount information generated on the transfer page, and processing the account information and transfer amount information includes:

Receiving payment data generated on a transfer page, where the payment data includes a mobile phone number and transfer amount information;

Specifically, the payment data includes the mobile phone number of the payee and the transfer amount, the mobile phone number of the payee is packaged with the transfer amount to generate the payment data, and the electronic device will The payment data is sent to the transfer platform server for transaction to complete the transfer of the amount between the transfer account and the receiving account.

Receiving transfer data generated on a transfer page, where the transfer data includes a transfer account;

Specifically, the user inputs the transfer data in the transfer page, and the transfer data includes the transfer account and the transfer amount. By packaging the transfer account and the transfer amount, the transfer data is generated, and the electronic device transfers the funds. The data is sent to the transfer platform server for processing, so that the transfer platform server determines to perform a deduction operation on the transfer account. In the embodiment of the present invention, the transfer account is bound by a transfer button, and the transfer button in the virtual keyboard is bound to the transfer account in advance, and the transfer button is triggered when a transfer operation is required , So that the amount of the transfer account is transferred through the transfer button, which is beneficial to directly and quickly transfer.

Determine the collection account corresponding to the collection data according to the mobile phone number;

Specifically, the beneficiary phone number is bound to a bank account of the beneficiary in advance, and when the user inputs the beneficiary phone number on the transfer page, the electronic device will automatically match the The bank account corresponding to the payee's phone number, and then the payee's phone number is determined as the payee account corresponding to the payment data.

According to the amount information, the amount corresponding to the amount information is transferred from the transfer account to the receiving account.

Specifically, after the user confirms the transfer on the transfer page, the electronic device sends the confirmation instruction to the transfer platform server, and the transfer platform server actually processes the transfer according to the collection information and the transfer information , So that the electronic device transfers the amount corresponding to the amount information from the transfer account to the receiving account. It is understandable that the transfer of the electronic device needs to be confirmed by the transfer platform server before it becomes effective. Therefore, The electronic device needs to receive the transfer success instruction sent by the transfer platform server before presenting the processing result on the electronic device.

It is understandable that when the balance of the transfer account is insufficient to deduct the transfer amount, the electronic device will generate reminder information and present the reminder information on the transfer page of the electronic device to remind the user of the transfer invalid.

The transfer platform server monitors the transfer request sent by the electronic device, actually processes the transfer request, and sends the processing result of the transfer request to the electronic device.

Please refer to FIG. 9 again, which is a schematic diagram of a transfer process according to an embodiment of the present invention;

As shown in Figure 9, the transfer process includes:

Step S91: the user clicks the transfer button on the virtual keyboard;

Step S92: Pop up the payee information input page;

Step S93: The transfer amount input page pops up;

Step S94: Invoke the application payment process;

Specifically, the payment process includes the selection of the payment method and the specific payment behavior, and the specific payment behavior depends on the implementation of the application program, for example, the payment method and payment behavior of WeChat.

In the embodiment of the present invention, the method further includes:

Determining the operating area of the virtual keyboard;

Respectively calculating the operating frequencies of the N sub-regions;

According to the operating frequency, it is determined that the transfer button is located in the operating area of the virtual keyboard.

Specifically, when the user triggers an input box in the user interface of the electronic device to generate a text input instruction, the electronic device will automatically pop up a virtual keyboard and present the operating area of the virtual keyboard in the user interface. The operating area corresponds to an area of the electronic device. It can be understood that the operating area of the virtual keyboard may be a floating area of the electronic device, which is presented in the user interface of the electronic device in a floating manner.

In the embodiment of the present invention, the operation area of the virtual keyboard is determined by preset settings. For example, the operation area of the virtual keyboard can be set at the bottom, upper, middle, left, right and other positions of the user interface.

After the operation area of the virtual keyboard is determined, the operation area of the virtual keyboard is further divided into N sub-areas, where N is a positive integer and N≥2;

Among them, each sub-area corresponds to an operation key. As shown in FIG. 5, the operation area of the virtual keyboard is divided into four sub-areas, namely the first sub-area, the second sub-area, the third sub-area, and the fourth sub-area. Sub-region, the first sub-region corresponds to a transfer button, the second sub-region corresponds to a chat button, the third sub-region corresponds to a news button, and the fourth sub-region corresponds to a game button. It can be understood that the The first sub-area, the second sub-area, the third sub-area, and the fourth sub-area all contain keyboard keys. The transfer button, chat button, news button, and game button only correspond to the first sub-area and the second sub-area. Area, a third sub-area, and a fourth sub-area, that is, the transfer button, chat button, news button, and game button are respectively embedded in the first, second, third, and third sub-regions Four sub-regions.

Respectively calculating the operating frequencies of the N sub-regions;

Specifically, the number of times the user has operated the N sub-regions within a preset time period is counted, where the operations include click operations, sliding operations, and long-press operations, and the operation frequency statistics include operations on the sub-regions. The number of operations such as click operations, sliding operations, and long-press operations;

Specifically, the operation frequency is sorted from high to low, and the sub-area with the highest operation frequency is used as the sub-area where the transfer button is located. For example, the operation area is divided into the order of operation frequency from high to low. Are the first sub-region, the second sub-region, the third sub-region, and the fourth sub-region, where the operating frequency: the first sub-region> the second sub-region> the third sub-region> the fourth sub-region, then the The transfer button is set at the position of the first sub-region. Further, the transfer button can be set to the most suitable operation according to the user's operating frequency in the first sub-region and in combination with the keyboard layout rule of the virtual keyboard. Location, convenient for users to quickly read the transfer.

In the embodiment of the present invention, the method further includes:

In different input methods, the operation area is partitioned according to the operation frequency of the operation area of the virtual keyboard, and the position of the transfer button is determined.

In the embodiment of the present invention, the method further includes:

The virtual keyboard is configured with a virtual key dedicated to the payment instruction, and the virtual keyboard determines whether the payment instruction is mapped to the electronic wallet during the startup process;

If yes, the virtual keyboard displays the virtual keys;

If not, the virtual keyboard hides the virtual keys.

Specifically, it is determined whether the electronic device is installed with a designated application program, if it is, the transfer button is embedded in the virtual keyboard, and if not, the transfer button in the virtual keyboard is hidden.

Specifically, according to whether the electronic device is installed with a designated application, such as a transfer application, for example, a wallet application, such as an electronic wallet, and the method further includes: determining the designation of the electronic device Whether the application program of is bound to the transfer button is determined based on whether a designated application program is installed in the electronic device, and whether the transfer button is bound to the designated application program, determine whether it is on the virtual keyboard Embedded in the transfer button, for example: whether the electronic wallet is bound to the transfer button, that is, whether there is a mapping relationship between the electronic wallet and the payment instruction, if so, the virtual keyboard is embedded in the A transfer button, and the virtual button is displayed through the virtual keyboard. If not, the transfer button in the virtual keyboard is hidden, and the transfer button is not presented on the virtual keyboard.

In the embodiment of the present invention, the specified application program includes at least one application program, each application program corresponds to at least one transfer account, the transfer instruction includes: application selection information, and the transfer instruction generated by the receiving user interface is received. Generate transfer page, including:

According to the application selection information included in the transfer instruction, an application corresponding to the application selection information is determined, and a transfer page is generated.

Specifically, the specified application program includes at least one application program, such as: WeChat application, Alipay application, wallet application, etc., and the method further includes: binding the transfer button to one or more specified When the user clicks the transfer button, an application selection box pops up, and the user selects the corresponding application to generate application selection information, and then generates a transfer instruction, based on the application selection information contained in the transfer instruction , Determining that the application corresponding to the application selection information is the application currently corresponding to the transfer button, and then generating a transfer page, and entering the transfer page to perform the next transfer operation. It is understandable that when the transfer button is only bound to one application, the step of popping up the application selection box is omitted, and the transfer page is directly entered.

In the embodiment of the present invention, the specified application includes a WeChat application, and if the application corresponding to the application selection information is a WeChat application, the result is generated by the receiving user triggering the transfer key of the virtual keyboard of the user interface Transfer instructions, transferred to the transfer page, including:

According to the transfer instruction, the WeChat transfer page pops up.

Specifically, when the transfer button is bound to the WeChat application, a WeChat transfer page is popped up according to the transfer instruction, and the transfer operation is performed based on the WeChat transfer process.

In the embodiment of the present invention, the application trigger instruction includes: text input instruction, voice input instruction, image input instruction, and video input instruction.

In the embodiment of the present invention, by providing a transfer method applied to an electronic device, the electronic device is equipped with a virtual keyboard and an electronic wallet, including: the virtual keyboard is configured with a payment instruction, the payment instruction is used to send The electronic wallet initiates a payment request; when the electronic wallet monitors the payment request, it runs the transfer function module and pops up a transfer page; the electronic wallet performs transfer processing based on the account data and transfer amount data determined on the transfer page. Through the virtual keyboard to transfer funds, the present invention can solve the technical problem of complicated and cumbersome operations caused by current transfer operations relying on application programs, and realize fast transfer.

Example two

The embodiment of the present invention also provides a transfer device. Please refer to FIG. 10 again, which is a schematic structural diagram of a transfer device provided by an embodiment of the present invention;

As shown in FIG. 10, the transfer device 10 is applied to electronic equipment, and the device includes:

The virtual keyboard module 101 is used to configure payment instructions and initiate a payment request to the electronic wallet;

Specifically, the virtual keyboard of the electronic device is embedded with multiple operation buttons, wherein each operation button corresponds to a specific application, for example: the virtual keyboard of the electronic device is embedded with transfer buttons, chat buttons, news buttons, game buttons, etc. , Where each operation button corresponds to a category of applications, for example: transfer button corresponds to transfer applications, such as WeChat, Alipay, wallet and other applications, chat button corresponds to WeChat, QQ, SMS, phone and other applications, news button Corresponding to applications such as Tencent News and NetEase News, the game buttons correspond to applications such as Honor of Kings, PlayerUnknown's Battlegrounds, etc. Further, in order to better match the virtual keyboard with the application, the method also includes: establishing operation keys for the virtual keyboard There is a one-to-one correspondence with applications, wherein the transfer button corresponds to a wallet application, and the transfer button is used to trigger the wallet application to perform a transfer operation to a user or account designated by the user.

The electronic wallet module 102 is used to monitor payment requests and perform transfer operations;

The transfer function module 103 is configured to generate a transfer page according to the payment request;

Specifically, receiving the user clicking the transfer button in the operation area of the virtual keyboard, scheduling the function corresponding to the transfer button through the interface, and transferring the link to the transfer page;

The transfer processing module 104 is configured to perform transfer processing based on the account data and transfer amount data determined on the transfer page.

Specifically, the receiving information includes information of the payee, such as: the telephone number of the payee, the ID number of the payee, and the bank account of the payee, and the transfer information includes: the transfer account and the transfer amount. The receiving payment information and transfer information generated on the transfer page, and processing the payment information and transfer information includes:

Receiving payment data generated on the transfer page, where the payment data includes mobile phone number and amount information;

In the embodiment of the present invention, the device further includes:

The payment request judgment module is used to judge whether the payment request is associated with account data of at least one receiving account when the electronic wallet monitors the payment request;

If yes, present the account data on the transfer page;

If not, obtain the account data through the transfer page.

In the embodiment of the present invention, the payment instruction is formed when one or more virtual keys of the virtual keyboard sense a valid operation.

In the embodiment of the present invention, the virtual keyboard is configured with a virtual key dedicated to the payment instruction, and the device further includes:

If yes, the virtual keyboard displays the virtual keys;

If not, the virtual keyboard hides the virtual keys.

In the embodiment of the present invention, the device further includes:

In the embodiment of the present invention, the account data includes a mobile phone number, a user account, and a user name. The user account includes a transfer account and a collection account. The transfer account corresponds to a transfer account, and the collection account corresponds to a collection account. , The transfer amount data includes the transfer amount; the transfer processing module is specifically used for:

In the embodiment of the present invention, the device further includes:

Respectively calculating the operating frequencies of the N sub-regions;

It should be noted that the above-mentioned transfer device 10 can execute the transfer method provided in the embodiment of the present invention, and has the functional modules and beneficial effects corresponding to the execution method. For technical details not described in detail in the embodiment of the data processing device, refer to the transfer method provided in the embodiment of the present invention.

In the embodiment of the present invention, by providing a transfer device, applied to an electronic device, the electronic device is installed with a virtual keyboard and an electronic wallet, the device includes: a virtual keyboard module, used to configure payment instructions, and send the electronic wallet Initiate a payment request; an electronic wallet module, used to monitor payment requests and perform transfer operations; a transfer function module, used to generate a transfer page according to the payment request; a transfer processing module, used to determine the account data and The transfer amount data is processed for transfer. Through the virtual keyboard to transfer funds, the present invention can solve the technical problem of complicated and cumbersome operations caused by current transfer operations relying on application programs, and realize fast transfer.

The embodiment of the present invention also provides a computer program product, including a calculation program stored on a non-volatile computer-readable storage medium, the computer program including program instructions, when the program instructions are executed by a computer, The computer executes the transfer method in the above embodiment.

The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in One place, or it can be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the objectives of the solutions of the embodiments.

Through the description of the above implementation manners, those of ordinary skill in the art can clearly understand that each implementation manner can be implemented by means of software plus a general hardware platform, and of course, it can also be implemented by hardware. A person of ordinary skill in the art can understand that all or part of the processes in the method of the foregoing embodiments can be implemented by instructing relevant hardware through a computer program. The program can be stored in a computer readable storage medium. When executed, it may include the processes of the above-mentioned method embodiments. Wherein, the storage medium may be a magnetic disk, an optical disk, a read-only memory (Read-Only Memory, ROM), or a random access memory (Random Access Memory, RAM), etc.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, not to limit them; under the idea of the present invention, the technical features of the above embodiments or different embodiments can also be combined. The steps can be implemented in any order, and there are many other variations of different aspects of the present invention as described above. For the sake of brevity, they are not provided in the details; although the present invention has been described in detail with reference to the foregoing embodiments, the ordinary The skilled person should understand that: they can still modify the technical solutions recorded in the foregoing embodiments, or equivalently replace some of the technical features; and these modifications or replacements do not divorce the essence of the corresponding technical solutions from the implementations of the present invention Examples of the scope of technical solutions.

The above are only the embodiments of the present invention and do not limit the scope of the present invention. Any equivalent structure or equivalent process transformation made by using the content of the description and drawings of the present invention, or directly or indirectly applied to other related technologies In the same way, all fields are included in the scope of patent protection of the present invention.

Claims

A transfer method applied to an electronic device equipped with a virtual keyboard and an electronic wallet, wherein the virtual keyboard is configured with a payment instruction, and the payment instruction is used to initiate a payment request to the electronic wallet; When the electronic wallet monitors the payment request, it runs the transfer function module and pops up a transfer page; the electronic wallet performs transfer processing based on the account data and transfer amount data determined on the transfer page.
The transfer method according to claim 1, wherein when the electronic wallet monitors the payment request, the method further comprises: determining whether the payment request is associated with account data of at least one receiving account;

If yes, present the account data on the transfer page;

If not, obtain the account data through the transfer page.
The transfer method according to claim 1, wherein the payment instruction is formed when one or more virtual keys of the virtual keyboard sense a valid operation.
The transfer method according to any one of claims 1-3, wherein the virtual keyboard is equipped with a virtual key dedicated to the payment instruction, and the virtual keyboard determines whether the payment instruction is Mapped to the electronic wallet;

If yes, the virtual keyboard displays the virtual keys;

If not, the virtual keyboard hides the virtual keys.
The method according to claim 4, wherein the method further comprises:

Receiving the application trigger instruction sent by the user on the user interface of the electronic device, and presenting the virtual keyboard;

Receive the virtual key of the virtual keyboard triggered by the user, and generate the payment instruction.
The transfer method according to claim 5, wherein the application triggering instructions include: text input instructions, voice input instructions, image input instructions, and video input instructions.
The transfer method according to claim 1, wherein the account data includes a mobile phone number, a user account, and a user name, and the user account includes a transfer account and a collection account, and the transfer account corresponds to a transfer account, and The receiving account corresponds to the receiving account, and the transfer amount data includes the transfer amount; the electronic wallet performs transfer processing based on the account data and the transfer amount data determined on the transfer page, including:

Obtain the mobile phone number entered by the user on the transfer page, and determine the receiving account corresponding to the transfer amount data;

According to the transfer amount data, the transfer amount corresponding to the transfer amount data is transferred from the transfer account to the receiving account.
The transfer method according to claim 1, wherein the method further comprises:

Determining the operating area of the virtual keyboard;

Perform area division on the operation area of the virtual keyboard, and divide the operation area into N sub-areas, where N is a positive integer and N≥2;

Respectively calculating the operating frequencies of the N sub-regions;

According to the operating frequency, it is determined that the virtual key corresponding to the payment instruction is located in the operating area of the virtual keyboard.
An electronic device, characterized in that it comprises:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute any one of claims 1-8 Transfer method.
A non-volatile computer-readable storage medium, the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by an electronic device, the electronic device is caused to execute 8. Any of the transfer methods described above.