CN108416667A - Loaning bill method, terminal and computer readable storage medium - Google Patents
Loaning bill method, terminal and computer readable storage medium Download PDFInfo
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- CN108416667A CN108416667A CN201810177958.6A CN201810177958A CN108416667A CN 108416667 A CN108416667 A CN 108416667A CN 201810177958 A CN201810177958 A CN 201810177958A CN 108416667 A CN108416667 A CN 108416667A
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
The invention discloses a kind of loaning bill method, terminal and computer readable storage medium, the method includes：Start preset debt-credit in the terminal when being served by, shows preset function module in the debt-credit is served by, wherein function module includes loaning bill module；When loaning bill module region detects touch control operation, the corresponding interface of the loaning bill module is popped up, and shows preset each loaning bill project in the interface；When receiving selection instruction in any one loaning bill project, the loaning bill pattern belonging to the loaning bill project is determined, wherein loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；The corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern.The present invention executes corresponding debit operation according to determining loaning bill pattern so that the loaning bill mode during debt-credit is served by is more diversified, flexibility higher.
Description
Technical field
The present invention relates to a kind of internet financial field more particularly to loaning bill method, terminal and computer-readable storage mediums
Matter.
Background technology
With the development of internet financial technology, Investment ＆ Financing etc. is more and more widely used, existing mobile terminal
Have the functions such as investment, loaning bill.
However, although existing mobile terminal is capable of providing the function of loaning bill, but existing loaning bill pattern is more single,
It is provided solely for single function of transferring accounts so that the mode transferred accounts is more inflexible.
Invention content
The main purpose of the present invention is to provide a kind of loaning bill method, terminal and computer readable storage mediums, it is intended to solve
Certainly existing loaning bill mode, more single and inflexible technical problem.
To achieve the above object, the present invention provides a kind of loaning bill method, and the loaning bill method includes：
Start preset debt-credit in the terminal when being served by, preset function mould is shown in the debt-credit is served by
Block, wherein function module includes loaning bill module；
When loaning bill module region detects touch control operation, the corresponding interface of the loaning bill module is popped up, and in institute
It states and shows preset each loaning bill project in interface；
When receiving selection instruction in any one loaning bill project, the loaning bill pattern belonging to the loaning bill project is determined,
In, loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；
The corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern.
Optionally, described to start preset debt-credit in the terminal when being served by, it is shown in the debt-credit is served by
The step of preset function module includes：
Start preset debt-credit in the terminal when being served by, determines whether to log in the debt-credit is served by
There is account information；
If being logged in account information, preset function module is shown in the debt-credit is served by.
Optionally, described when loaning bill module region detects touch control operation, it is corresponding to pop up the loaning bill module
Interface, and shown the step of preset each loaning bill project in the interface and include：
When loaning bill module region detects touch control operation, it is determined whether for touch control operation for the first time；
If it is not, then popping up the corresponding interface of the loaning bill module, and preset each loaning bill item is shown in the interface
Mesh.
Optionally, described when loaning bill module region detects touch control operation, it is determined whether for touch control operation for the first time
The step of after, the method further includes：
If so, the input interface of pop-up authentication information, wherein authentication information includes bank's card number, name, identification card number
And cell-phone number；
When receiving authentication information in the input interface of authentication information, third party is bound in the debt-credit is served by
The incidence relation of payment application and bank's card number, subsequently to execute delivery operation in loaning bill module；And
The upload interface of identity card picture is popped up to obtain identity card picture, or obtains to open and take pictures using to shoot body
Part license piece；
Unlatching is taken pictures using being verified to identity card picture with obtaining face, after every terms of information verification is errorless, is opened
Loaning bill function.
Optionally, described the step of executing the loaning bill project corresponding debit operation according to determining loaning bill pattern, wraps
It includes：
If consumption loan, then obtain loaning bill project binding by borrower's account, Merchant Account and amount information；
It transfers accounts into Merchant Account from by borrower's account according to the amount information.
Optionally, described to transfer accounts from by borrower's account the step packet into Merchant Account according to the amount information
It includes：
Determine the issue by stages of the loaning bill project；
Determine transferring accounts the time for transfer accounts amount and each phase of each phase；
When reaching the time of transferring accounts of each phase, transfer accounts from by borrower's account according to corresponding amount of transferring accounts of each phase
Into Merchant Account.
Optionally, described the step of executing the loaning bill project corresponding debit operation according to determining loaning bill pattern, wraps
It includes：
If withdrawing deposit loaning bill, then being believed by borrower's account, borrower's account and amount for the loaning bill project binding is obtained
Breath；
It transfers accounts from by borrower's account into borrower's account according to the amount information.
Optionally, the described the step of corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern it
Afterwards, the method further includes：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
In addition, to achieve the above object, the present invention also provides a kind of terminal, the terminal include memory, processor and
It is stored in the loaning bill program that can be run on the memory and on the processor, the loaning bill program is held by the processor
The step of loaning bill method as described above is realized when row.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Loaning bill program is stored on storage medium, the loaning bill program realizes loaning bill method as described above when being executed by processor
Step.
Loaning bill method proposed by the present invention, is integrated with loaning bill module in debt-credit is served by, the interface of the loaning bill module
In show each loaning bill project, when executing debit operation in loaning bill project, first determine the loaning bill pattern belonging to loaning bill project,
Since loaning bill pattern can be consumption loan or loaning bill of withdrawing deposit, it is thus determined that after loaning bill pattern, you can according to determining
Loaning bill pattern executes corresponding debit operation so that the loaning bill mode during debt-credit is served by is more diversified, flexibility higher.
Description of the drawings
Fig. 1 is the terminal structure schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of loaning bill method first embodiment of the present invention；
Fig. 3 is the refinement flow diagram of step S10 in Fig. 2；
Fig. 4 is the flow diagram of loaning bill method 3rd embodiment of the present invention；
Fig. 5 is the flow diagram of the 5th embodiment of loaning bill method of the present invention；
Fig. 6 is the refinement flow diagram of step S42 in Fig. 5；
Fig. 7 is the flow diagram of loaning bill method sixth embodiment of the present invention；
Fig. 8 is the flow diagram of the 7th embodiment of loaning bill method of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The solution of the embodiment of the present invention is mainly：Start preset debt-credit in the terminal when being served by, described
Debt-credit is served by the middle preset function module of display, wherein function module includes loaning bill module；In loaning bill module region
When detecting touch control operation, the corresponding interface of the loaning bill module is popped up, and preset each loaning bill is shown in the interface
Project；When receiving selection instruction in any one loaning bill project, the loaning bill pattern belonging to the loaning bill project is determined, wherein
Loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；The corresponding loaning bill behaviour of the loaning bill project is executed according to determining loaning bill pattern
Make.To solve in a manner of existing loaning bill, more single and inflexible problem.
As shown in Figure 1, the terminal structure schematic diagram for the hardware running environment that Fig. 1, which is the embodiment of the present invention, to be related to.
Terminal of the embodiment of the present invention, which can be smart mobile phone, tablet computer, smartwatch etc., has the removable of display interface
Dynamic formula terminal device.
As shown in Figure 1, the terminal may include：Processor 1001, such as CPU, communication bus 1002, user interface
1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.
User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface
1003 can also include the wireline interface (such as connecting wired keyboard, wire mouse etc.) and/or wireless interface (example of standard
It is such as used to connect Wireless Keyboard, wireless mouse).Network interface 1004 may include optionally the wireline interface of standard (for connecting
Connect cable network), (such as WI-FI interfaces, blue tooth interface, infrared interface, probe interface, 3G/4G/5G networkings are logical for wireless interface
Interface etc. is believed, for connecting wireless network).Memory 1005 can be high-speed RAM memory, can also be stable memory
(non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processor
1001 storage device.
Optionally, terminal can also include camera, RF (Radio Frequency, radio frequency) circuit, sensor, audio
Circuit, WiFi module etc..
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 1, can wrap
It includes than illustrating more or fewer components, either combines certain components or different components arrangement.
As shown in Figure 1, as may include operating system, net in a kind of memory 1005 of computer readable storage medium
Network communication module, Subscriber Interface Module SIM and loaning bill program.Wherein, operating system is management and control terminal and software resource
Program supports the operation of network communication module, Subscriber Interface Module SIM, loaning bill program and other programs or software；Network communication
Module is for managing and controlling network interface 1002；Subscriber Interface Module SIM is for managing and controlling user interface 1003.
In terminal shown in Fig. 1, network interface 1004 is mainly used for Connection Service device, and it is logical to carry out data with server
Letter；The terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize following steps：
Start preset debt-credit in the terminal when being served by, preset function mould is shown in the debt-credit is served by
Block, wherein function module includes loaning bill module；
When loaning bill module region detects touch control operation, the corresponding interface of the loaning bill module is popped up, and in institute
It states and shows preset each loaning bill project in interface；
When receiving selection instruction in any one loaning bill project, the loaning bill pattern belonging to the loaning bill project is determined,
In, loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；
The corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
Start preset debt-credit in the terminal when being served by, the step of preset function module is shown in the debt-credit is served by
Suddenly：
Start preset debt-credit in the terminal when being served by, determines whether to log in the debt-credit is served by
There is account information；
If being logged in account information, preset function module is shown in the debt-credit is served by.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
When loaning bill module region detects touch control operation, the corresponding interface of the loaning bill module is popped up, and in the interface
The step of showing preset each loaning bill project：
When loaning bill module region detects touch control operation, it is determined whether for touch control operation for the first time；
If it is not, then popping up the corresponding interface of the loaning bill module, and preset each loaning bill item is shown in the interface
Mesh.
Further, described when loaning bill module region detects touch control operation, it is determined whether to be grasped for touch-control for the first time
After the step of making, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, following to realize
Step：
If so, the input interface of pop-up authentication information, wherein authentication information includes bank's card number, name, identification card number
And cell-phone number；
When receiving authentication information in the input interface of authentication information, third party is bound in the debt-credit is served by
The incidence relation of payment application and bank's card number, subsequently to execute delivery operation in loaning bill module；And
The upload interface of identity card picture is popped up to obtain identity card picture, or obtains to open and take pictures using to shoot body
Part license piece；
Unlatching is taken pictures using being verified to identity card picture with obtaining face, after every terms of information verification is errorless, is opened
Loaning bill function.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
The step of loaning bill project corresponding debit operation being executed according to determining loaning bill pattern：
If consumption loan, then obtain loaning bill project binding by borrower's account, Merchant Account and amount information；
It transfers accounts into Merchant Account from by borrower's account according to the amount information.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
It transfers accounts from by borrower's account the step into Merchant Account according to the amount information：
Determine the issue by stages of the loaning bill project；
Determine transferring accounts the time for transfer accounts amount and each phase of each phase；
When reaching the time of transferring accounts of each phase, transfer accounts from by borrower's account according to corresponding amount of transferring accounts of each phase
Into Merchant Account.
Further, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize
The step of loaning bill project corresponding debit operation being executed according to determining loaning bill pattern：
If withdrawing deposit loaning bill, then being believed by borrower's account, borrower's account and amount for the loaning bill project binding is obtained
Breath；
It transfers accounts from by borrower's account into borrower's account according to the amount information.
Further, the described the step of corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern it
Afterwards, the terminal calls the loaning bill program stored in memory 1005 by processor 1001, to realize following steps：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
Based on above-mentioned terminal hardware structure, each embodiment of loaning bill method of the present invention is proposed.
It is the flow diagram of loaning bill method first embodiment of the present invention with reference to Fig. 2, Fig. 2.
In the present embodiment, the loaning bill method includes：
Step S10 starts preset debt-credit when being served by the terminal, is shown in the debt-credit is served by default
Function module, wherein function module includes loaning bill module；
Step S20 pops up the corresponding boundary of the loaning bill module when loaning bill module region detects touch control operation
Face, and preset each loaning bill project is shown in the interface；
Step S30 when receiving selection instruction in any one loaning bill project, determines the loaning bill belonging to the loaning bill project
Pattern, wherein loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；
Step S40 executes the corresponding debit operation of the loaning bill project according to determining loaning bill pattern.
In the present embodiment, the loaning bill method is optional is applied to terminal, and the terminal is chosen as the terminal described in Fig. 1.
It before realizing and borrowing money, needs first to start debt-credit in the terminal and is served by, wherein it is debt-credit clothes that the debt-credit, which is served by,
The server of business application is developed in advance, and is reached using the application stored in store, by each terminal in the case where this is applied in store
It carries and uses.The debt-credit service application integration in the embodiment of the present invention has the multiple function modules, each function module to include
But it is not limited to：Investment module, loaning bill module and service module, wherein investment module is for realizing investment, and loaning bill module is for real
It now borrows money, service module is for providing respective services, such as carwash service, insurance service, trip service.
It should be noted that although existing terminal is capable of providing the functions such as investment and loaning bill, but the two functions are
It isolates out, that is, needs to realize that both functions need user in different applications in this case by different applications
Realize that investment and loan, whole operating process are relatively complicated.And in the present embodiment, it is integrated in debt-credit is served by a variety of
The execution of a variety of different function modules can be realized by an account information for function module, without holding in different applications
Row a certain kind feature operation so that the integrated operation flow of debt-credit all more convenient and smooths.
In the present embodiment, before the step S10, include the steps that download debt-credit be served by, specifically download by
Terminal is downloaded in application store, and after downloading the debt-credit and being served by, the debt-credit that terminal installation is downloaded is served by,
After the debt-credit is installed and is served by, it is served by the enabled instruction startup debt-credit service received based on the debt-credit and answers
With.The reception mode for the enabled instruction that the debt-credit is served by includes：A, terminal monitors voice messaging by audio monitoring device,
When listening to the vice activation information that debt-credit is served by, starts the debt-credit and be served by.B, terminal is served by debt-credit
When receiving touch control operation in icon, starts the debt-credit and be served by.
The specific steps of loaning bill method are realized in this programme described in detail below：
Step S10 starts preset debt-credit when being served by the terminal, is shown in the debt-credit is served by default
Function module, wherein function module includes loaning bill module；
In the present embodiment, optional to start preset debt-credit in the terminal when being served by, directly answered in the debt-credit service
With the middle preset function module of display, function module includes but is not limited to above-mentioned loaning bill module, investment module and the service referred to
Module.
Further, in order to improve the safety of loaning bill, include with reference to Fig. 3, the step S10：
Step S11 starts preset debt-credit when being served by, determines whether to answer in the debt-credit service in the terminal
Account information is logged in；
Step S12 shows preset function module if being logged in account information in the debt-credit is served by.
That is, when the preset debt-credit of terminal startup is served by, first determine whether to be logged in account information, wherein institute
State that account information is optional to be that terminal is logged within a preset time interval and automatically record preservation, then terminal is borrowed starting this
After loan is served by, the duration of the last login time of current time distance is calculated, if the duration is within a preset time interval,
Then terminal also remains with account information, then can directly log in account information.In addition, it is that terminal opens that the account information is also optional
After dynamic debt-credit is served by, the login interface for account information of being hit by a bullet out is first served by debt-credit, and in the login interface
Account information input by user is received, to execute register based on the account information received, to realize stepping on for account information
Record.In the present embodiment, the account information refers to the account number and password for logging in the debt-credit and being served by, the account number
Including but not limited to cell-phone number, identity card, self-defined number or symbol etc., the password is optional including but not limited to number
And/or character.
If terminal has currently logged in account information in the debt-credit is served by, in the debt-credit is served by
Show preset function module, i.e., loaning bill module described above.In the present embodiment, optional debt-credit is served by after startup,
Terminal shows loaning bill module in the bottom section of display interface, further, it is also possible to be borrowed according to actual needs in other positions setting
The display area of money module, is not repeated herein.
It is appreciated that if terminal has not currently logged in account information in the debt-credit is served by, need first to carry out account
The login of family information, and log in after the completion of just realize debt-credit be served by loaning bill module use.Pass through account information
Login just shows preset loaning bill module, subsequently to execute corresponding debit operation, and debit operation in loaning bill module
It can be associated in account information, subsequently have record that can inquire, improve debt-credit and be served by the safety used, also improve
The safety of loaning bill.
Step S20 pops up the corresponding boundary of the loaning bill module when loaning bill module region detects touch control operation
Face, and preset each loaning bill project is shown in the interface；
In the present embodiment, touch control operation is detected in loaning bill module region, then pop up the loaning bill mould when terminal
Block corresponding interface shows each loaning bill project in the interface, i.e., shows preset each loaning bill project in the interface,
Optional loaning bill project includes that the first speed is borrowed, the second speed is borrowed and consumption-a variety of projects such as by stages, the above-mentioned each project name referred to
It only illustrates, other project names can be arranged in the present embodiment according to actual needs.
Step S30 when receiving selection instruction in any one loaning bill project, determines the loaning bill belonging to the loaning bill project
Pattern, wherein loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit；
In the present embodiment, in the case that terminal shows each loaning bill project in the interface of loaning bill module, if in office
Selection instruction is received in one loaning bill project, determines the loaning bill pattern belonging to the loaning bill project, it is in the present embodiment, described
Loaning bill pattern includes consumption loan and loaning bill of withdrawing deposit.Consumption loan refer to user selected in debt-credit is served by loaning bill project it
Afterwards, the amount of money of loaning bill is transferred accounts from by the account where borrower into the account where businessman.Loaning bill of withdrawing deposit refers to that user exists
Debt-credit is served by after middle selection loaning bill project, and the amount of money of loaning bill in by the account where borrower from transferring accounts to borrower institute
Account in.In the present embodiment, the loaning bill pattern belonging to the determination loaning bill project is optional true according to the loaning bill project of selection
It is fixed, i.e., corresponding loaning bill mode is set in advance in loaning bill project, then after having selected loaning bill project, you can determine the loaning bill
The corresponding loaning bill mode of project.Wherein, relevant information of borrowing money is shown in each loaning bill project, as borrowed money by borrower
Information, borrowing balance, Business Information or borrower's information etc..
Step S40 executes the corresponding debit operation of the loaning bill project according to determining loaning bill pattern.
After determining loaning bill project institute possession loaning bill pattern, you can execute the loaning bill item according to determining loaning bill pattern
The corresponding debit operation of mesh, you can choosing transfers accounts the amount of money of loaning bill into borrower's account from by borrower's account, also optional
The amount of money of loaning bill is transferred accounts from by borrower's account into Merchant Account.
The loaning bill method that the present embodiment proposes, is integrated with loaning bill module, the boundary of the loaning bill module in debt-credit is served by
Each loaning bill project is shown in face, when executing debit operation in loaning bill project, first determines the loaning bill mould belonging to loaning bill project
Formula, since loaning bill pattern can be consumption loan or loaning bill of withdrawing deposit, it is thus determined that after loaning bill pattern, you can according to determination
Loaning bill pattern execute corresponding debit operation so that the loaning bill mode during debt-credit is served by is more diversified, and flexibility is more
It is high.
Further, in order to improve the safety that loaning bill module uses, loaning bill side of the invention is proposed based on first embodiment
The second embodiment of method.
The second embodiment of loaning bill method and the first embodiment of loaning bill method difference lies in, after the step S11,
The method further includes：
Step a shows the login interface of account information if being not logged in account information；
Step b is received the account information inputted based on the login interface, and the account information received is sent to institute
It states debt-credit to be served by corresponding server, for account information described in the server authentication, wherein in the server
Control terminal executes account information register when being verified；
Step c, after the completion of account information logs in, execution is described to show preset function in the debt-credit is served by
The step of module.
In the present embodiment, in the case where terminal starts debt-credit and is served by, work as if detecting that the debt-credit is served by
Before be not logged in account information, then show the login interface of account information, for user input account information, receive user
Based on the login interface input account information when, by the account information received be sent to it is described debt-credit be served by correspondence
Server in, for account information described in the server authentication, wherein the account information described in the server authentication
Step includes：The account information received is compared with the account that prestores in database, with the determination account information whether
In the presence of, and if it exists, then think that account Information Authentication passes through, when account information is verified, server controls terminal executes
Account information register.After the completion of the account information in terminal logs in, you can shown in the debt-credit is served by pre-
If each function module, so as to subsequently executed in each function module it is above-mentioned refer to various functions operation.
In the present embodiment, the operation of each function module is realized in debt-credit is served by by account information so that
Borrow or lend money be served by middle execution operations all must have account information that could realize, prevent terminal without logging into account information just
It is served by using the debt-credit, to ensure that debt-credit is served by the stringency used and safety.
Further, in order to improve the safety that loaning bill module uses, the present invention is proposed based on first or second embodiments
The 3rd embodiment of loaning bill method.
Difference lies in reference to Fig. 4, institute with the first or second embodiments of loaning bill method for the 3rd embodiment of loaning bill method
Stating step S20 includes：
Step S21, when loaning bill module region detects touch control operation, it is determined whether for touch control operation for the first time；
Step S22 if it is not, then pop up the corresponding interface of the loaning bill module, and is shown in the interface preset each
A loaning bill project.
That is, terminal when loaning bill module region detects touch control operation, first determines whether the touch control operation is for the first time
Touch control operation, in the present embodiment, whether the determination touch control operation is that the mode of touch control operation for the first time includes：
Terminal first obtains its identification information；
After getting the identification information of terminal, by the registration that prestores corresponding with loaning bill module of the identification information of acquisition
The register information that prestores in table is compared, to judge whether touch control operation is touch control operation for the first time.
In the present embodiment, the identification information includes but not limited to ESN (the Electronic Serial of terminal
Numbers, Electronic Serial Number), IMEI (International Mobile Equipment Identification
Number, international mobile equipment identification number).After getting the identification information of terminal, by the identification information of acquisition with borrow
The register information that prestores in the corresponding registration form that prestores of money module is compared, to judge whether touch control operation is that touch-control is grasped for the first time
Make, wherein there is the register information with the identification information match of terminal in the register information that prestores, illustrate terminal in loaning bill module
In touch control operation be not touch control operation for the first time, then the corresponding interface of loaning bill module can directly be popped up, and in the interface
Show preset each loaning bill project.If what terminal detected in loaning bill module is touch control operation for the first time, need to user
It is authenticated, specifically, terminal pops up the input interface of authentication information for inputting authentication information, just subsequently after authenticating successfully
The corresponding interface of the loaning bill module is popped up, and shows preset each loaning bill project in the interface.
It should be appreciated that by the identification to touch control operation in loaning bill module, and be not touch-control for the first time in the touch control operation
Loaning bill module corresponding interface is just popped up when operation, and shows preset each loaning bill project in the interface so that is borrowed money
Monitoring it is stringenter, the safety higher of loaning bill.
Further, the fourth embodiment of loaning bill method of the present invention is proposed based on 3rd embodiment.
The fourth embodiment of loaning bill method and the 3rd embodiment of loaning bill method difference lies in, after the step S21,
The method further includes：
Step A, if so, the input interface of pop-up authentication information, wherein authentication information includes bank's card number, name, body
Part card number and cell-phone number；
Step B when receiving authentication information in the input interface of authentication information, is bound in the debt-credit is served by
Third-party payment is using the incidence relation with bank's card number, subsequently to execute delivery operation in loaning bill module；And
Step C pops up the upload interface of identity card picture to obtain identity card picture, or obtain open take pictures using with
Shoot identity card picture；
Step D, unlatching are taken pictures using being verified to identity card picture with obtaining face, are verified in every terms of information errorless
Afterwards, loaning bill function is opened.
In the present embodiment, if detecting touch control operation for the first time in the loaning bill interface of loaning bill module, i.e., in loaning bill mould
There is no the register information with the identification information match of terminal in the corresponding register information table that prestores of block, explanation is to first log into
Touch control operation is inputted in loaning bill module, then pops up the input interface of authentication information so that input authentication information is authenticated, at this point,
The terminal is grasped in the identification information storage to registration form of the terminal of acquisition to input touch-control next time in the loaning bill module
Non- touch-control for the first time is proved when making on evidence.
After terminal pops up the input interface of authentication information, authentication information is inputted by user, wherein authentication information includes
Bank's card number, name, identification card number and cell-phone number, and when receiving authentication information in the input interface of the authentication information,
The debt-credit is served by middle binding Third-party payment using the incidence relation with bank's card number, specifically：Terminal will reflect
Power information is sent to Third-party payment application, is applied to credit card issuer and is authenticated from Third-party payment, authenticated successfully detecting
Afterwards, terminal establishes Third-party payment using the binding relationship with bank's card number, subsequently at the loaning bill interface of the loaning bill module
When for loaning bill project implementation debit operation, the amount of money can be produced to complete delivery operation from the corresponding bank of bank's card number.
In addition, in the present embodiment, terminal also needs to the upload interface of pop-up identity card picture to obtain the identity of user's biography
License piece, or obtain to open to take pictures and apply to shoot identity card picture, and need to open and take pictures using to obtain face pair
Identity card picture is verified, and after every terms of information verification is errorless, is just opened loaning bill function, is realized and borrow money.
Be the equal of that need to pass through when first entering loaning bill module during debt-credit is served by it is appreciated that in the present embodiment
Debt-credit is served by binding bank card, and input bank card number+name+identification card number+bank card is specifically needed to reserve cell-phone number (four
Element), terminal sends four element informations to Third-party payment platform later, is authenticated from Third-party payment platform to credit card issuer, the
After tripartite pays completion bank card authentication, loaning bill user also needs to upload identity card positive and negative photo+recognition of face, to complete real name
Verification, tripartite, which pays, completes bank card authentication+real-name authentication, you can borrows money.
In the present embodiment, in the case where being integrated with multiple functions module during debt-credit is served by, pass through an account
The execution of a variety of different function modules can be realized in information, without a certain feature operation of execution in different applications so that
The integrated operation flow of debt-credit all more convenient and smooths, and on this basis, carry out loaning bill module for the first time in use, needing
The verification that first carry out authentication information, ensure that the safety subsequently borrowed money.
Further, the 5th embodiment of loaning bill method of the present invention is proposed based on first to fourth embodiment.
Difference lies in reference to Fig. 5, institute with first to fourth embodiment of loaning bill method for 5th embodiment of loaning bill method
Stating step S40 further includes：
Step S41, if consumption loan, then obtain loaning bill project binding by borrower's account, Merchant Account and
Amount information；
Step S42 transfers accounts from by borrower's account into Merchant Account according to the amount information.
In the present embodiment, if the loaning bill mode of loaning bill project is consumption loan, loaning bill project binding is first obtained
By borrower's account, Merchant Account and amount information, i.e. the consumption loan is consumed in the corresponding businessman of the Merchant Account, that
, when executing debit operation, terminal is transferred accounts from by borrower's account into Merchant Account according to the amount information,
In, optional disposably transferred accounts from borrower's account into businessman trade company according to the amount information.
Further, in order to improve the flexibility transferred accounts, include with reference to Fig. 6, the step S42：
Step S421 determines the issue by stages of the loaning bill project；
Step S422 determines transferring accounts the time for transfer accounts amount and each phase of each phase；
Step S423, when reaching the time of transferring accounts of each phase, according to corresponding amount of transferring accounts of each phase from by borrower
It transfers accounts into Merchant Account in account.
That is, on the line consumption loan mode, can borrow money in the way of by stages, specifically, it is determined that this is borrowed
Issue, the issue by stages of loaning bill project can be configured according to actual needs in advance to fund purpose by stages, specific quantity
It does not limit, after determining issue by stages, transferring accounts the time for transfer accounts amount and each phase of each phase is determined, each
When the time of transferring accounts of phase reaches, transfer accounts into Merchant Account from by borrower's account according to corresponding amount of transferring accounts of each phase.
In the present embodiment, be configured by the mode of transferring accounts to consumption loan, and according to setting transfer accounts mode into
Row consumption loan is transferred accounts, and the flexibility of consumption loan is improved.
Further, the sixth embodiment of loaning bill method of the present invention is proposed based on the first to the 5th embodiment.
Difference lies in reference to Fig. 7, institute with the first to the 5th embodiment of loaning bill method for the sixth embodiment of loaning bill method
Stating step S40 further includes：
Step S43, if withdrawing deposit loaning bill, then obtain loaning bill project binding by borrower's account, borrower's account
With amount information；
Step S44 transfers accounts from by borrower's account into borrower's account according to the amount information.
In the present embodiment, if the loaning bill mode of loaning bill project is loaning bill of withdrawing deposit, loaning bill project binding is first obtained
By borrower's account, borrower's account and amount information, i.e. the loaning bill of withdrawing deposit is that extraction fund is had enough to meet the need, then, it is executing
When debit operation, terminal is transferred accounts from by borrower's account into borrower's account according to the amount information, wherein borrower
Account is the account currently logged in during debt-credit is served by.
In this embodiment, it realizes the setting of loaning bill project in debt-credit is served by, and when loaning bill project is arranged, is
The object transferred accounts is set according to consumption loan and loaning bill two ways of withdrawing deposit, improves the flexibility of loaning bill item setup, also carries
The high flexibility borrowed money.
Further, the 7th embodiment for proposing loaning bill method of the present invention based on first to sixth embodiment.
7th embodiment of loaning bill method with the first of loaning bill method to sixth embodiment difference lies in, with reference to Fig. 8, institute
After stating step S40, the method further includes：
Step S50 determines the corresponding borrowing balance of debit operation after executing debit operation；
Step S60, the mapping relations based on preset borrowing balance and integral obtain the corresponding product of determining borrowing balance
Point；
Step S70, will be in the corresponding integral storage to points account of borrowing balance.
In the present embodiment, after terminal has executed debit operation in loaning bill module, determine that this executes the behaviour that borrows money
Make corresponding borrowing balance, then inquire the correspondence of borrowing balance and integral set in advance, that is, in advance be provided with transfer accounts it is more
How many integral few borrowing balance corresponds to, then after determining the corresponding borrowing balance of debit operation, you can obtain determining
The corresponding integral of borrowing balance finally stores the integral of acquisition into points account, that is, increases the integral in points account,
In, the points account is in the account information that debt-credit is served by associated sub- account, for storing integral.
In the present embodiment, after terminal has executed debit operation, the integral in points account is increased according to the operation,
So that subsequently enjoying service according to the integral in points account, improves debt-credit and be served by the flexibility used.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with loaning bill program, the loaning bill program realizes loaning bill method as described above when being executed by processor the step of.
The specific implementation mode of computer readable storage medium and each embodiment of above-mentioned loaning bill method are almost the same,
It is not repeated herein.
It should be noted that herein, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that process, method, article or device including a series of elements include not only those elements, and
And further include the other elements being not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including this
There is also other identical elements in the process of element, method, article or device.
The embodiments of the present invention are for illustration only, can not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be fixed terminal, such as object
The smart homes such as networked intelligent device, including intelligent air condition, intelligent electric lamp, intelligent power, intelligent router；It can also be movement
Many networked devices such as terminal, including smart mobile phone, wearable networking AR/VR devices, intelligent sound box, autonomous driving vehicle)
Execute the method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of loaning bill method, which is characterized in that the loaning bill method includes：
Start preset debt-credit in the terminal when being served by, preset function module shown in the debt-credit is served by,
Wherein, function module includes loaning bill module；
When loaning bill module region detects touch control operation, the corresponding interface of the loaning bill module is popped up, and on the boundary
Preset each loaning bill project is shown in face；
When receiving selection instruction in any one loaning bill project, the loaning bill pattern belonging to the loaning bill project is determined, wherein borrow
Money pattern includes consumption loan and loaning bill of withdrawing deposit；
The corresponding debit operation of the loaning bill project is executed according to determining loaning bill pattern.
2. loaning bill method as described in claim 1, which is characterized in that it is described start in the terminal it is preset debt-credit be served by
When, include in the step of showing preset function module during the debt-credit is served by：
Start preset debt-credit in the terminal when being served by, determines whether to be logged in account in the debt-credit is served by
Family information；
If being logged in account information, preset function module is shown in the debt-credit is served by.
3. loaning bill method as described in claim 1, which is characterized in that described to detect that touch-control is grasped in loaning bill module region
When making, the corresponding interface of the loaning bill module is popped up, and show in the interface and wrapped the step of preset each loaning bill project
It includes：
When loaning bill module region detects touch control operation, it is determined whether for touch control operation for the first time；
If it is not, then popping up the corresponding interface of the loaning bill module, and preset each loaning bill project is shown in the interface.
4. loaning bill method as claimed in claim 3, which is characterized in that described to detect that touch-control is grasped in loaning bill module region
When making, it is determined whether for touch control operation for the first time the step of after, the method further includes：
If so, the input interface of pop-up authentication information, wherein authentication information includes bank's card number, name, identification card number and hand
Machine number；
When receiving authentication information in the input interface of authentication information, Third-party payment is bound in the debt-credit is served by
Using the incidence relation with bank's card number, subsequently to execute delivery operation in loaning bill module；And
The upload interface of identity card picture is popped up to obtain identity card picture, or obtains to open and take pictures using to shoot identity card
Photo；
Unlatching is taken pictures using being verified to identity card picture with obtaining face, after every terms of information verification is errorless, is opened and is borrowed money
Function.
5. loaning bill method as described in claim 1, which is characterized in that described to execute the loaning bill according to determining loaning bill pattern
The step of project corresponding debit operation includes：
If consumption loan, then obtain loaning bill project binding by borrower's account, Merchant Account and amount information；
It transfers accounts into Merchant Account from by borrower's account according to the amount information.
6. loaning bill method as claimed in claim 5, which is characterized in that it is described according to the amount information from by borrower's account
In the step transferred accounts into Merchant Account include：
Determine the issue by stages of the loaning bill project；
Determine transferring accounts the time for transfer accounts amount and each phase of each phase；
When reaching the time of transferring accounts of each phase, transfer accounts from by borrower's account to quotient according to corresponding amount of transferring accounts of each phase
In family's account.
7. loaning bill method as described in claim 1, which is characterized in that described to execute the loaning bill according to determining loaning bill pattern
The step of project corresponding debit operation includes：
If withdrawing deposit loaning bill, then obtain loaning bill project binding by borrower's account, borrower's account and amount information；
It transfers accounts from by borrower's account into borrower's account according to the amount information.
8. such as claim 1-7 any one of them loaning bill methods, which is characterized in that described to be executed according to determining loaning bill pattern
After the step of loaning bill project corresponding debit operation, the method further includes：
After executing debit operation, the corresponding borrowing balance of debit operation is determined；
Mapping relations based on preset borrowing balance and integral obtain the corresponding integral of determining borrowing balance；
It will be in the corresponding integral storage to points account of borrowing balance.
9. a kind of terminal, which is characterized in that the terminal includes memory, processor and is stored on the memory and can be
The loaning bill program run on the processor is realized when the loaning bill program is executed by the processor as in claim 1 to 8
The step of any one of them loaning bill method.
10. a kind of computer readable storage medium, which is characterized in that be stored with loaning bill journey on the computer readable storage medium
Sequence is realized when the loaning bill program is executed by processor such as the step of loaning bill method described in any item of the claim 1 to 8.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2018101448225 | 2018-02-10 | ||
| CN201810144822 | 2018-02-10 |
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| CN108416667A true CN108416667A (en) | 2018-08-17 |
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| Application Number | Title | Priority Date | Filing Date |
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| US20130173344A1 (en) * | 2010-07-30 | 2013-07-04 | Infosys Limited | System for implementing plurality of interactive services associated with financial organization |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
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| CN106651434A (en) * | 2016-11-02 | 2017-05-10 | 苏州浦瑞融网络科技有限公司 | Membership financial service management system |
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| US20130173344A1 (en) * | 2010-07-30 | 2013-07-04 | Infosys Limited | System for implementing plurality of interactive services associated with financial organization |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
| CN106651434A (en) * | 2016-11-02 | 2017-05-10 | 苏州浦瑞融网络科技有限公司 | Membership financial service management system |
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Application publication date: 20180817 |