CN109658239A

CN109658239A - Application function extended method and device, request processing method and device

Info

Publication number: CN109658239A
Application number: CN201811333017.3A
Authority: CN
Inventors: 王雨; 陆健; 张弛; 胡容海; 叶剑俊; 施萍; 宗法龙; 刘昂
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2018-11-09
Filing date: 2018-11-09
Publication date: 2019-04-19
Anticipated expiration: 2038-11-09
Also published as: CN117974308A; CN109658239B

Abstract

The embodiment of the present application provides a kind of application function extended method and device, request processing method and device, wherein, application function extended method includes: first, in the associated specified financial application of target application, trustship account is created for the user of target application, wherein, target application is not financial class application, then, the financial settlement account of the user of the trustship account of user based on target application and the target application opened in specified financial application in advance, provides financial service in target application for the user of target application.

Description

Application function extended method and device, request processing method and device

Technical field

This application involves field of computer technology more particularly to a kind of application function extended methods and device, request processing Method and device.

Background technique

With the fast development of terminal device and software development technique, have been able to develop in terminal device at present various Application program, these application programs can provide various functions for user, for example application program of taking pictures provides function of taking pictures Can, U.S. figure application program provides U.S. figure function, and financial class application program provides financial service function on line.Financial service packet on line It includes but is not limited to give bonus, transfers accounts, collect money.

However, only financial class application program can provide financial service function on line at present for user, such as each The Mobile banking of bank can provide mobile phone online payment for user, transfer accounts, collects money, querying the balance, buy the function such as finance product Energy.For non-financial class application program, the functions such as the simple video tour of enough offers, communication chat are provided, are had The less problem of the type of the application service of offer.

Summary of the invention

The purpose of the embodiment of the present application is to provide a kind of application function extended method and device, request processing method and dress It sets, to extend the service type that non-financial class application program provides a user, improves the service diversity of non-financial class application.

To reach above-mentioned technical purpose, the embodiment of the present application is achieved in that

The embodiment of the present application provides a kind of application function extended method, comprising: in the associated specified finance of target application It is that the user of the target application creates trustship account in；Wherein, the target application is not financial class application；It is based on The use of the trustship account of the user of the target application and the target application opened in the specified financial application in advance The financial settlement account at family, the user in the target application for the target application provide financial service.

The embodiment of the present application provides a kind of request processing method, comprising: the enterprise of target application is obtained from mobile terminal The payment request based on the target application of industry user, and determine the corresponding gathering user of the payment request, the gathering User is the enterprise customer or personal user of the target application；According to the payment request, in the finance of the enterprise customer Operation of withholing is carried out in settlement accounts；According to the payment request, into the trustship account of the gathering user or the receipts The corresponding amount of money is transferred in the financial settlement account of money user；Wherein, the target application is not financial class application；The mesh Mark application is associated with specified financial application；It is the target application that the trustship account, which is in the specified financial application, The account of user's creation；The financial settlement account is the target application opened in the specified financial application in advance The account of user.

The embodiment of the present application provides a kind of request processing method, comprising: the enterprise of target application is obtained from mobile terminal The gathering request based on the target application of industry user, and determine that corresponding payment user, the payment are requested in the gathering User is the enterprise customer or personal user of the target application；It is requested according to the gathering, in the finance of the payment user Operation of withholing is carried out in settlement accounts；It is requested according to the gathering, in the trustship account of Xiang Suoshu enterprise customer or the enterprise The corresponding amount of money is transferred in the financial settlement account of industry user；Wherein, the target application is not financial class application；The mesh Mark application is associated with specified financial application；It is the target application that the trustship account, which is in the specified financial application, The account of user's creation；The financial settlement account is the target application opened in the specified financial application in advance The account of user.

The embodiment of the present application provides a kind of request processing method, comprising: obtain the user of target application based on described The transaction request of target application, and determine the corresponding payment user of the transaction request and gathering user, the payment user with The gathering user is the user of the target application；According to the transaction request, in the financial settlement of the payment user Operation of withholing is carried out in account；According to the transaction request, into the trustship account of the gathering user or the gathering is used The corresponding amount of money is transferred in the financial settlement account at family；Wherein, the target application is not financial class application；The target is answered With associated with specified financial application；The trustship account is the user for being the target application in the specified financial application The account of creation；The financial settlement account is the user for the target application opened in the specified financial application in advance Account.

The embodiment of the present application provides a kind of request processing method, comprising: the enterprise for sending target application to server uses The payment request based on the target application at family；Receive payment result that the server is returned according to the payment request simultaneously Display；Wherein, the payment result includes the button according to the payment request in the financial settlement account of the enterprise customer Money as a result, and, according to the payment request to gathering user trustship account or it is described gathering user financial settlement account Transfer result；The gathering user is the enterprise customer or personal user of the target application, and the target application is not Financial class application；The target application is associated with specified financial application；The trustship account is in the specified financial application In be the target application user creation account；The financial settlement account is to open in the specified financial application in advance The account of the user of the logical target application.

The embodiment of the present application provides a kind of request processing method, comprising: the enterprise for sending target application to server uses The gathering request based on the target application at family；It receives the server and the gathering result returned is requested simultaneously according to the gathering Display；Wherein, the gathering result includes the trustship account according to the gathering request to the enterprise customer or the enterprise The transfer result of the financial settlement account of industry user, and, according to the gathering request in the financial settlement account of payment user Result of withholing；The payment user is the enterprise customer or personal user of the target application, and the target application is not Financial class application；The target application is associated with specified financial application；The trustship account is in the specified financial application In be the target application user creation account；The financial settlement account is to open in the specified financial application in advance The account of the user of the logical target application.

The embodiment of the present application provides a kind of request processing method, comprising: sends the user's of target application to server Transaction request based on the target application；It receives the transaction results that the server is returned according to the transaction request and shows Show；Wherein, the transaction results include according to the transaction request payment user financial settlement account in withholing as a result, With, according to the transaction request to gathering user trustship account or collect money user financial settlement account transfer result； The payment user and the gathering user are the user of the target application；The target application is not financial class application； The target application is associated with specified financial application；It is the target that the trustship account, which is in the specified financial application, The account of user's creation of application；The financial settlement account is the target opened in the specified financial application in advance The account of the user of application.

The embodiment of the present application provides a kind of application function expanding unit, comprising: account creation unit, for being answered in target Trustship account is created with the user in associated specified financial application, being the target application；Wherein, the target application is not Financial class application；Service rendering units, for the trustship account of the user based on the target application and in advance described specified The financial settlement account of the user for the target application opened in financial application is that the target is answered in the target application User provides financial service.

The embodiment of the present application provides a kind of request processing unit, comprising: request unit, for from mobile terminal The payment request based on the target application of the enterprise customer of target application is obtained, and determines the corresponding receipts of the payment request Money user, the gathering user are the enterprise customer or personal user of the target application；It withholds unit, for being paid according to described Money request, carries out operation of withholing in the financial settlement account of the enterprise customer；It transfers accounts unit, for being asked according to the payment It asks, is transferred to corresponding gold into the trustship account of the gathering user or in the financial settlement account of the gathering user Volume；Wherein, the target application is not financial class application；The target application is associated with specified financial application；The trustship Account be in the specified financial application be the target application user's creation account；The financial settlement account is pre- The account of the user for the target application first opened in the specified financial application.

The embodiment of the present application provides a kind of request processing unit, comprising: request unit, for from mobile terminal The gathering request based on the target application of the enterprise customer of target application is obtained, and determines that the gathering requests corresponding pair Money user, the payment user are the enterprise customer or personal user of the target application；It withholds unit, for according to the receipts Money request carries out operation of withholing in the financial settlement account of the payment user；It transfers accounts unit, for being asked according to the gathering It asks, is transferred to corresponding gold in the trustship account of Xiang Suoshu enterprise customer or in the financial settlement account of the enterprise customer Volume；Wherein, the target application is not financial class application；The target application is associated with specified financial application；The trustship Account be in the specified financial application be the target application user's creation account；The financial settlement account is pre- The account of the user for the target application first opened in the specified financial application.

The embodiment of the present application provides a kind of request processing unit, comprising: request unit, for obtaining target application User the transaction request based on the target application, and determine the corresponding payment user of the transaction request and gathering use Family, the payment user and the gathering user are the user of the target application；It withholds unit, for according to the transaction Request carries out operation of withholing in the financial settlement account of the payment user；It transfers accounts unit, for being asked according to the transaction It asks, is transferred to corresponding gold into the trustship account of the gathering user or in the financial settlement account of the gathering user Volume；Wherein, the target application is not financial class application；The target application is associated with specified financial application；The trustship Account be in the specified financial application be the target application user's creation account；The financial settlement account is pre- The account of the user for the target application first opened in the specified financial application.

The embodiment of the present application provides a kind of request processing unit, comprising: request transmitting unit, for being sent to server The payment request based on the target application of the enterprise customer of target application；As a result receiving unit, for receiving the service Payment result that device is returned according to the payment request and display；Wherein, the payment result includes according to the payment request Withholing in the financial settlement account of the enterprise customer as a result, and, according to the payment request to gathering user trustship The transfer result of account or the financial settlement account of the gathering user；The gathering user is the enterprise of the target application User or personal user, the target application are not financial class application；The target application is associated with specified financial application； The trustship account be in the specified financial application be the target application user's creation account；The financial settlement Account is the account of the user for the target application opened in the specified financial application in advance.

The embodiment of the present application provides a kind of request processing unit, comprising: request transmitting unit, for being sent to server The gathering request based on the target application of the enterprise customer of target application；As a result receiving unit, for receiving the service Device is requested the gathering result returned according to the gathering and is shown；Wherein, the gathering result includes being requested according to the gathering To the transfer result of the financial settlement account of the trustship account or enterprise customer of the enterprise customer, and, according to described Withhold result of the gathering request in the financial settlement account of payment user；The payment user is the enterprise of the target application User or personal user, the target application are not financial class application；The target application is associated with specified financial application； The trustship account be in the specified financial application be the target application user's creation account；The financial settlement Account is the account of the user for the target application opened in the specified financial application in advance.

The embodiment of the present application provides a kind of request processing unit, comprising: request transmitting unit, for being sent to server The transaction request based on the target application of the user of target application；As a result receiving unit, for receiving the server root The transaction results returned according to the transaction request and display；Wherein, the transaction results include being paid according to the transaction request Withholing in the financial settlement account of money user as a result, and, according to the transaction request to gathering user trustship account or The transfer result of the financial settlement account of gathering user；The payment user and the gathering user are the target application User；The target application is not financial class application；The target application is associated with specified financial application；The trustship account For be in the specified financial application target application user creation account；The financial settlement account is to exist in advance The account of the user for the target application opened in the specified financial application.

The embodiment of the present application provides a kind of application function expansion equipment, comprising: processor；And it is arranged to storage meter The memory of calculation machine executable instruction, the computer executable instructions make the processor realize above-mentioned answer when executed The step of with method for developing functions.

The embodiment of the present application provides a kind of request processing equipment, comprising: processor；And it is arranged to storage computer The memory of executable instruction, the computer executable instructions realize the processor at above-mentioned request The step of reason method.

The embodiment of the present application provides a kind of storage medium, and for storing computer executable instructions, the computer can Execute instruction the step of realizing above-mentioned application function extended method when executed.

The embodiment of the present application provides a kind of storage medium, and for storing computer executable instructions, the computer can Execute instruction the step of realizing above-mentioned request processing method when executed.

It, can be by being the side of user's creation trustship account of target application in specified financial application in the present embodiment Formula provides financial service in target application for the user of target application, mentions to extend non-financial class application program to user The service type of confession improves non-financial class application so that non-financial class application program can also provide a user financial service Service diversity.

Detailed description of the invention

In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property Under, it is also possible to obtain other drawings based on these drawings.

Fig. 1 is the flow diagram for the application function extended method that one embodiment of the application provides；

Fig. 2 a is the schematic diagram of the target application that one embodiment of the application provides and specified financial application；

Fig. 2 b be one embodiment of the application provide provide financial service in target application for the user of target application Schematic diagram；

Fig. 2 c be one embodiment of the application provide provide financial service in target application for the user of target application Schematic diagram；

Fig. 3 is the gathering flow diagram that one embodiment of the application provides；

Fig. 4 is the application scenarios schematic diagram for the request processing method that one embodiment of the application provides；

Fig. 5 is the flow diagram for the request processing method that one embodiment of the application provides；

Fig. 6 is the flow diagram for the request processing method that one embodiment of the application provides；

Fig. 7 is the flow diagram for the request processing method that one embodiment of the application provides；

Fig. 8 is the flow diagram for the request processing method that another embodiment of the application provides；

Fig. 9 is the flow diagram for the request processing method that another embodiment of the application provides；

Figure 10 is the flow diagram for the request processing method that another embodiment of the application provides；

Figure 11 is the module composition schematic diagram for the application function expanding unit that one embodiment of the application provides；

Figure 12 is the module composition schematic diagram for the request processing unit that one embodiment of the application provides；

Figure 13 is the module composition schematic diagram for the request processing unit that another embodiment of the application provides；

Figure 14 is the structural schematic diagram for the electronic equipment that one embodiment of the application provides.

Specific embodiment

In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common The application protection all should belong in technical staff's every other embodiment obtained without creative efforts Range.

The embodiment of the present application provides a kind of application function extended method and device, request processing method and device, to expand The service type that non-financial class application program provides a user is opened up, the service diversity of non-financial class application is improved.

Fig. 1 is the flow diagram for the application function extended method that one embodiment of the application provides, and this method can be applied In the server, it is executed by server, it can also be following mesh which, which can be the server of following specified financial applications, Mark the server of application.As shown in Figure 1, the process the following steps are included:

Step S102 is that the user of target application creates trustship account in the associated specified financial application of target application, Wherein, target application is not financial class application；

Step S104, the trustship account of the user based on target application and the target opened in specified financial application in advance The financial settlement account of the user of application, provides financial service in target application for the user of target application.

In the embodiment of the present application, target application is not financial class application, is answered first in the associated specified finance of target application In, it is that the user of target application creates trustship account, is then based on the trustship account of the user of target application and is referring in advance The financial settlement account for determining the user for the target application opened in financial application mentions in target application for the user of target application For financial service.As it can be seen that in the present embodiment trustship account can be created by the user in specified financial application for target application The mode at family provides financial service in target application for the user of target application, thus extend non-financial class application program to The service type that user provides improves non-financial class so that non-financial class application program can also provide a user financial service The service diversity of application.

It should be noted that in the present embodiment, the financial service that the user in target application for target application provides refers to Be incorporeity product trading or virtual product transaction financial service, the transaction between fund and fund, and being not based on Physical product or the funds transaction of virtual product dealing.

In the present embodiment, target application is not financial class application, is exemplified as, and target application can be communication class application, view Frequently any one during class is applied, news category is applied is browsed.

In the present embodiment, target application is associated with specified financial application, and specified financial application can provide gold for user Melt service.Specifically, user has opened financial settlement account in specified financial application in advance, and specified financial application passes through user Financial settlement account, provide financial service for user.For example, specified financial application is the Mobile banking of certain bank, Yong Hu Financial settlement account has been opened in the Mobile banking, the Mobile banking by the financial settlement account of user, each user it Between realize the functions such as pay the bill, transfer accounts, giving bonus.

It is that the user of target application creates support in the associated specified financial application of target application in above-mentioned steps S102 Pipe account, is specifically as follows: in the associated specified financial application of target application, trustship main account is created for target application, It is that the user of target application creates the sub- account of trustship, using the sub- account of trustship as the user couple of target application under trustship main account The trustship account answered.

Specifically, firstly, in the associated specified financial application of target application, trustship main account is created for target application, It is equivalent to and opens " account " for target application, be that the user of target application creates the sub- account of trustship under trustship main account then Family, wherein the user of target application can be the member registered in target application, be based upon member and open the sub- account of trustship Mode is that the user of target application creates the sub- account of trustship under trustship main account.Finally, the sub- account of trustship is that target is answered The corresponding trustship account of each user.

After user in specified financial application for target application creates trustship account, if the user of target application is preparatory Financial settlement account has also been opened in specified financial application, then has been able to carry out above-mentioned steps S104, the use based on target application The financial settlement account of the user of the trustship account at family and the target application opened in specified financial application in advance, is answered in target Financial service is provided in for the user of target application.

In one embodiment, above-mentioned steps S104 specifically:

(a1) transaction request based on target application of the user of target application is obtained, and determines corresponding pair of transaction request Money user and gathering user, payment user and the user that collects money are the user of target application；

(a2) operation of withholing is carried out in the financial settlement account of payment user according to transaction request；

(a3) according to transaction request, it is transferred to the corresponding amount of money into the trustship account of gathering user, alternatively, asking according to transaction It asks, is transferred to the corresponding amount of money into the financial settlement account of gathering user.

Specifically, in above-mentioned movement (a1), the user of acquisition target application first is asked by the transaction that target application issues It asks, and determines the corresponding payment user of transaction request and gathering user, wherein payment user is target application with gathering user User, issue transaction request user can for payment user, can also for gathering user.

Then, it in above-mentioned movement (a2), is withholdd in the financial settlement account of payment user according to transaction request Operation.For example, transaction request is that payment user A pays the bill 300 yuans to gathering user B, then according to the transaction request, determine The user A that pays the bill is specifying the financial settlement account in financial application, withholds 300 yuan in the financial settlement account of payment user A RMB.

Then, in above-mentioned movement (a3), according to transaction request, it is transferred to the corresponding amount of money into the trustship account of gathering user, Alternatively, being transferred to the corresponding amount of money into the financial settlement account of gathering user according to transaction request.For example, transaction request is payment User A pays the bill 300 yuans to gathering user B, then in a situation, according to the transaction request, determines gathering user B in mesh Trustship account in mark application, is transferred to 300 yuans into the trustship account of gathering user B, in the case of another, according to this Transaction request determines financial settlement account of the gathering user B in specified financial application, to the financial settlement account of gathering user B 300 yuans are transferred in family.

In above-mentioned movement (a3), according to transaction request, it is transferred to the corresponding amount of money into the trustship account of gathering user, alternatively, According to transaction request, it is transferred to the corresponding amount of money into the financial settlement account of gathering user, is specifically as follows: if it is determined that gathering user Trustship account and gathering user financial settlement account binding success, then according to transaction request, to the finance knot of gathering user It does accounts and is transferred to the corresponding amount of money in family；If it is determined that the trustship account of gathering user is not bound with the financial settlement account of gathering user, And determine that the remaining sum that keeps accounts of the trustship account of gathering user is more than or equal to the above-mentioned corresponding amount of money, then according to transaction request, to receipts The corresponding amount of money is transferred in the trustship account of money user.

In the present embodiment, the trustship account of the user of target application can be with the financial settlement account of the user of target application Binding.The trustship account of the user of target application is limited with maximum allowable remaining sum, and the remaining sum in trustship account is less than or equal to should Maximum allowable remaining sum.In above-mentioned movement (a3), the trustship account of gathering user and the financial settlement account of gathering user are first determined whether Whether family binds, if binding, according to transaction request, the corresponding amount of money is transferred into the financial settlement account of gathering user, if not Binding, then judge whether the remaining sum that keeps accounts of the trustship account of gathering user is more than or equal to the above-mentioned corresponding amount of money, if it is greater than or equal to Above-mentioned corresponding finance is transferred to the corresponding amount of money into the trustship account of gathering user then according to transaction request.Wherein, trustship account Keep accounts remaining sum be trustship account maximum allowable remaining sum and trustship account surplus between difference.

In one situation, if the trustship account of gathering user and the financial settlement account of gathering user are unbound, and collect money The remaining sum that keeps accounts of the trustship account of user is less than the above-mentioned corresponding amount of money, then to payment user's present the bill for payment failure, failure cause Can keeping accounts for gathering user, Sorry, your ticket has not enough value, alternatively, prompting gathering failure to gathering user, failure cause is that gathering user can keep accounts Sorry, your ticket has not enough value, and gathering user is prompted to bind trustship account and financial settlement account.

In the present embodiment, can also in target application displaying target apply user trustship account remaining sum, thus User is facilitated to browse remaining sum.

Fig. 2 a is the schematic diagram of the target application that one embodiment of the application provides and specified financial application, as shown in Figure 2 a, Target application is associated with specified financial application, in specified financial application, has opened trustship account for the user of target application, In specified financial application, the user of target application has opened financial settlement account in advance, thus the user based on target application Trustship account and target application user financial settlement account, provide finance in target application for the user of target application Service.

Fig. 2 b be one embodiment of the application provide provide financial service in target application for the user of target application Schematic diagram, as shown in Figure 2 b, user issue transaction request in target application, and the corresponding payment user of the transaction request is user A, the corresponding gathering user of the transaction request are that user B is carried out in the financial settlement account of user A according to the transaction request It withholds operation, due to the trustship account of user B and the financial settlement account binding success of user B, according to the transaction request, The corresponding amount of money is transferred into the financial settlement account of user B.

Fig. 2 c be one embodiment of the application provide provide financial service in target application for the user of target application Schematic diagram, as shown in Figure 2 c, user issue transaction request in target application, and the corresponding payment user of the transaction request is user A, the corresponding gathering user of the transaction request are that user B is carried out in the financial settlement account of user A according to the transaction request It withholds operation, since the trustship account of user B and the financial settlement account of user B are unbound, also, the trustship account of user B Maximum allowable remaining sum be 500 yuan, the surplus of the trustship account of user B is 50 yuan, the corresponding Payment Amount of transaction request It is 400 yuan, therefore according to the transaction request, is transferred to 400 yuan into the trustship account of user B.

Fig. 3 is the gathering flow diagram that one embodiment of the application provides, as shown in figure 3, the process includes:

Step S302 determines the corresponding gathering user of transaction request.

Whether the financial settlement account of step S304, the trustship account and gathering user that judge gathering user bind.

If so, step S306 is executed, if it is not, executing step S308.

Step S306 is transferred to the corresponding amount of money into the financial settlement account of gathering user according to transaction request.

Step S308 subtracts the trustship account of gathering user using the maximum allowable remaining sum of the trustship account of gathering user Surplus takes the difference as the remaining sum that keeps accounts of the trustship account of gathering user.

Step S310, judges whether the remaining sum that keeps accounts of the trustship account of gathering user is more than or equal to the above-mentioned corresponding amount of money.

If so, executing step S312, otherwise, step S314 is executed.

Step S312 is transferred to the corresponding amount of money into the trustship account of gathering user according to transaction request.

Step S314 prompts gathering failure to gathering user, and failure cause can keep accounts for gathering user, and Sorry, your ticket has not enough value, prompts Gathering user binds trustship account and financial settlement account.

As it can be seen that through this embodiment, the transaction request that the user of target application is issued based on target application can be obtained, and Bank settlement transaction is carried out between the user of target application according to the transaction request, so that target application is to target application User provides finance trade function, extends the service type that non-financial class application program provides a user, improves non-financial class and answer Service diversity.

In one embodiment of the application, transaction request is that the payment based on the target application in mobile terminal of payment user is asked It asks, payment user is the enterprise customer of target application, and gathering user is the enterprise customer or personal user of target application.

Specifically, the enterprise customer of target application can be used as payment user, operate target application in the terminal, from And payment request is issued, the corresponding gathering user of payment request can be the enterprise customer of target application, or target is answered Personal user.Payment user can operate in the terminal target application and pay the bill, and gathering user can also move Operation target application is collected money in dynamic terminal.

In another embodiment of the application, transaction request is the gathering based on the target application in mobile terminal of gathering user Request, gathering user are the enterprise customer of target application, and payment user is the enterprise customer or personal user of target application.

Specifically, the enterprise customer of target application can be used as gathering user, operate target application in the terminal, from And gathering request is issued, the corresponding payment user of gathering request can be the enterprise customer of target application, or target is answered Personal user.Gathering user can operate in the terminal target application and collect money, and payment user can also move Operation target application is paid the bill in dynamic terminal.

Under a scene, transaction request is the merging payment request of the more bills based on bill scene, alternatively, transaction Request is the more merging transfer requests transferred accounts based on scene of transferring accounts, then in above-mentioned movement (a1), determines that transaction request is corresponding Gathering user, comprising: determine the corresponding each gathering user of transaction request.In above-mentioned movement (a3), according to transaction request, to Collect money user trustship account in be transferred to the corresponding amount of money, can be with are as follows: according to transaction request, respectively to the trustship of each gathering user The corresponding amount of money is transferred in account.In above-mentioned movement (a3), according to transaction request, it is transferred into the financial settlement account of gathering user The corresponding amount of money, can be with are as follows: according to transaction request, is transferred to the corresponding amount of money into the financial settlement account of each gathering user respectively.

Specifically, when the user that pays the bill needs to multiple gathering user-pays, the user that pays the bill can issue in bill scene The merging payment request of more bills is played, which can be exemplified as expenses claim sheer.When payment user needs to multiple gatherings When user transfers accounts, payment user can initiate the more merging transfer requests transferred accounts under scene of transferring accounts.In one embodiment, pay Money user is the enterprise customer of target application, and the enterprise customer of target application in the terminal operates target application, The merging payment request of more reimbursement bills is initiated under the scene of reimbursement bill, to carry out bill reimbursement to multiple employees.

In this case, the corresponding each gathering user of transaction request can be determined, gathering user can be target application Enterprise customer or personal user.Then, according to transaction request, corresponding gold is transferred into the trustship account of each gathering user respectively Volume, alternatively, being transferred to the corresponding amount of money into the financial settlement account of each gathering user respectively according to transaction request.In this case, Gathering user can operate target application in computer end and collect money, and can also operate in the terminal target application and be received Money, payment user can computer end operate target application pay the bill, can also operate in the terminal target application into Row payment.

Under another scene, transaction request is the merging gathering request of the more bills based on bill scene, alternatively, transaction The merging gathering request that request is transferred accounts for more based on scene of transferring accounts.In above-mentioned movement (a1), determine that transaction request is corresponding Pay the bill user, can be with are as follows: determine the corresponding each payment user of transaction request.In above-mentioned movement (a2), according to transaction request, It pays the bill in the financial settlement account of user, carries out operation of withholing, it can be with are as follows: according to transaction request, respectively in each payment user Financial settlement account in, carry out operation of withholing.

Specifically, when the user that collects money needs to collect money from multiple payment user theres, gathering user can be in bill scene The lower merging for initiating more bills, which is collected money, requests, alternatively, gathering user can initiate the more merging transferred accounts under scene of transferring accounts Gathering request.In one embodiment, gathering user is the enterprise customer of target application, and the enterprise customer of target application is mobile whole Target application is operated in end, the merging gathering request of more bills is initiated under the charge scene based on bill, thus Collected money item is obtained from multiple employees.

In this case, the corresponding each payment user of transaction request can be determined, payment user can be target application Enterprise customer or personal user.Then, it according to transaction request, respectively in the financial settlement account of each payment user, carries out It withholds operation.It collects money in this case, gathering user can operate target application in computer end, it can also be in the terminal Operation target application is collected money, and payment user can operate target application in computer end and pay the bill, can also be mobile whole Target application is operated in end to pay the bill.

As it can be seen that in the present embodiment, target application can provide a user more funds merging gathering functions or more The single payment function of fund, so that user be facilitated to carry out funds transaction in target application.

It, can also be by the financial settlement of the user of the trustship account of the user of target application and target application in the present embodiment Account is bound, and after binding success, the fund in the trustship account of the user of target application is transferred to the use of target application In the financial settlement account at family, to realize that fund is withdrawn deposit function, user is facilitated to pass through financial settlement account management fund.

Based on above-mentioned application function extended method, the embodiment of the present application also provides a kind of request processing method, Fig. 4 is The application scenarios schematic diagram for the request processing method that one embodiment of the application provides, as shown in figure 4, the scene includes mobile terminal 100 and server 200.Operation has above-mentioned target application in mobile terminal 100, and user operates the mesh in the mobile terminal 100 Mark application, so that mobile terminal 100 sends gathering request to server 200 or payment request, server 200 are asked to what is received It asks and is handled.

Fig. 5 is the flow diagram for the request processing method that one embodiment of the application provides, which can be by server It executes, such as the server of above-mentioned specified financial application.As shown in figure 5, the process includes:

Step S502 obtains the payment request based on target application of the enterprise customer of target application from mobile terminal, And determine that the corresponding gathering user of payment request, gathering user are the enterprise customer or personal user of target application；

Step S504 carries out operation of withholing in the financial settlement account of enterprise customer according to payment request；

Step S506, according to payment request, into the trustship account of gathering user or the financial settlement account of gathering user The corresponding amount of money is transferred in family.

Wherein, target application is not financial class application, and target application is associated with specified financial application.Trustship account be The account that user in specified financial application for target application creates, financial settlement account are to open in specified financial application in advance The account of the user of logical target application.

As it can be seen that target application is not financial class application, and target application is associated with specified financial application in the present embodiment, Target application may operate in mobile terminal.Trustship account is created by the user in specified financial application for target application Family enables to the user of target application that can operate in the terminal target application and issue payment request, thus in mesh Financial service is provided for the user of target application in mark application, extends the service class that non-financial class application program provides a user Type improves the service diversity of non-financial class application so that non-financial class application program can also provide a user financial service.

In the present embodiment, the enterprise customer of target application can operate target application in the terminal, thus mobile whole It holds to server Sending Payments and requests.

In above-mentioned steps S502, server receives the payment request that mobile terminal is sent, which is target application Enterprise customer operate the request issued after target application in the terminal, the corresponding gathering user of the payment request can be The enterprise customer or personal user of target application.

In above-mentioned steps S504, server is withholdd in the financial settlement account of enterprise customer according to payment request Operation.In above-mentioned steps S506, server is according to payment request, into the trustship account of gathering user or the gold of gathering user Melt and is transferred to the corresponding amount of money in settlement accounts.The detailed process of step S504 and step S506 can be with reference to fronts to shown in FIG. 1 The explanation of process, is not repeated herein.

By the process in Fig. 5, the enterprise customer of target application can operate target application in the terminal, execute and pay Money operation, by payment operation mobile, greatly facilitates the course of payment of enterprise customer.

Fig. 6 is the flow diagram for the request processing method that one embodiment of the application provides, which can be by server It executes, such as the server of above-mentioned specified financial application.As shown in fig. 6, the process includes:

Step S602 obtains the gathering request based on target application of the enterprise customer of target application from mobile terminal, And determining that corresponding payment user is requested in gathering, payment user is the enterprise customer or personal user of target application；

Step S604 is requested according to gathering, carries out operation of withholing in the financial settlement account of payment user；

Step S606 is requested according to gathering, into the trustship account of enterprise customer or the financial settlement account of enterprise customer The corresponding amount of money is transferred in family；

As it can be seen that target application is not financial class application, and target application is associated with specified financial application in the present embodiment, Target application may operate in mobile terminal.Trustship account is created by the user in specified financial application for target application Family enables to the user of target application that can operate target application in the terminal and issues gathering request, thus in mesh Financial service is provided for the user of target application in mark application, extends the service class that non-financial class application program provides a user Type improves the service diversity of non-financial class application so that non-financial class application program can also provide a user financial service.

In the present embodiment, the enterprise customer of target application can operate target application in the terminal, thus mobile whole It holds to server and sends gathering request.

In above-mentioned steps S602, server receives the gathering request that mobile terminal is sent, and gathering request is target application Enterprise customer operate the request issued after target application in the terminal, which requests the corresponding gathering user can be The enterprise customer or personal user of target application.

It in above-mentioned steps S604, is requested according to gathering, carries out operation of withholing in the financial settlement account of payment user.Step Rapid S606 requests according to gathering, is transferred to phase into the trustship account of enterprise customer or in the financial settlement account of enterprise customer Answer the amount of money.The detailed process of step S604 and step S606 can refer to explanation of the front to process shown in FIG. 1, here no longer It repeats.

By the process in Fig. 6, the enterprise customer of target application can operate target application in the terminal, execute receipts Gathering is operated mobile, greatly facilitates the checkout process of enterprise customer by money operation.

Fig. 7 is the flow diagram for the request processing method that one embodiment of the application provides, which can be by server It executes, such as the server of above-mentioned specified financial application.As shown in fig. 7, the process includes:

Step S702 obtains the transaction request based on target application of the user of target application, and determines transaction request pair The payment user and gathering user answered, payment user and the user that collects money are the user of target application；It here can be from movement eventually Transaction request is obtained at end, and transaction request can also be obtained from other users terminal such as desktop computer.

Step S704 carries out operation of withholing in the financial settlement account of payment user according to transaction request；

Step S706, according to transaction request, into the trustship account of gathering user or the financial settlement account of gathering user The corresponding amount of money is transferred in family；

As it can be seen that target application is not financial class application, and target application is associated with specified financial application in the present embodiment, Target application may operate in mobile terminal.Trustship account is created by the user in specified financial application for target application Family enables to the user of target application that can operate in the terminal target application and issue transaction request, thus in mesh Financial service is provided for the user of target application in mark application, extends the service class that non-financial class application program provides a user Type improves the service diversity of non-financial class application so that non-financial class application program can also provide a user financial service.

In the present embodiment, the user of target application can operate target application in the terminal, thus mobile terminal to Server sends transaction request.

In above-mentioned steps S702, server receives the transaction request that mobile terminal is sent, which is target application User operate the request issued after target application in the terminal, the corresponding gathering user of the transaction request can be target The enterprise customer or personal user of application, the corresponding payment user of the transaction request can be the enterprise customer or a of target application People user.

In above-mentioned steps S704, according to transaction request, operation of withholing is carried out in the financial settlement account of payment user, on It states in step S706, according to transaction request, into the trustship account of gathering user or in the financial settlement account of gathering user It is transferred to the corresponding amount of money.The detailed process of step S704 and step S706 can refer to explanation of the front to process shown in FIG. 1, this In be not repeated.

Method in corresponding diagram 5, the embodiment of the present application also provides a kind of request processing methods, and this method is by mobile terminal It executes, Fig. 8 is the flow diagram for the request processing method that another embodiment of the application provides, as shown in figure 8, the process packet It includes:

Step S802 sends the payment request based on target application of the enterprise customer of target application to server；

Step S804 receives the payment result that server is returned according to payment request and display.

Wherein, payment result include according to payment request withholing in the financial settlement account of enterprise customer as a result, and, According to payment request to gathering user trustship account or collect money user financial settlement account transfer result.Collect money user For the enterprise customer or personal user of target application.Target application is not financial class application, and target application is answered with specified finance With associated.Trustship account is in specified financial application be target application user's creation account, financial settlement account is The account of the user for the target application opened in specified financial application in advance.

In above-mentioned steps S802, mobile terminal is issued to the enterprise customer that server sends target application based on target application Payment request.Server can be handled payment request using the process in Fig. 5.

In above-mentioned steps S804, mobile terminal receives the payment result that server is returned according to payment request and display.Its In, payment result includes according to payment request withholing in the financial settlement account of enterprise customer as a result, with being asked according to payment Seek the transfer result of the financial settlement account to the trustship account or user that collects money of gathering user.

By the process in Fig. 8, the enterprise customer of target application can operate target application in the terminal, execute and pay Money operation, by payment operation mobile, greatly facilitates the course of payment of enterprise customer.

Method in corresponding diagram 6, the embodiment of the present application also provides a kind of request processing methods, and this method is by mobile terminal It executes, Fig. 9 is the flow diagram for the request processing method that another embodiment of the application provides, as shown in figure 9, the process packet It includes:

Step S902 sends the gathering request based on target application of the enterprise customer of target application to server；

Step S904 receives the gathering result that server is returned according to gathering request and shows；

Wherein, gathering result includes being tied according to gathering request to the trustship account of enterprise customer or the finance of enterprise customer It does accounts the transfer result at family, and, according to withhold result of the gathering request in the financial settlement account of payment user.Pay the bill user For the enterprise customer or personal user of target application, target application is not financial class application, and target application is answered with specified finance With associated.Trustship account is in specified financial application be target application user's creation account, financial settlement account is The account of the user for the target application opened in specified financial application in advance.

In above-mentioned steps S902, mobile terminal is issued to the enterprise customer that server sends target application based on target application Gathering request.Server can be handled gathering request using the process in Fig. 6.

In above-mentioned steps S904, mobile terminal receives the gathering result that server is returned according to gathering request and shows, In, gathering result includes being requested to turn to the financial settlement account of the trustship account or enterprise customer of enterprise customer according to gathering Account is as a result, with according to withhold result of the gathering request in the financial settlement account of payment user.

By the process in Fig. 9, the enterprise customer of target application can operate target application in the terminal, execute receipts Gathering is operated mobile, greatly facilitates the checkout process of enterprise customer by money operation.

Method in corresponding diagram 7, the embodiment of the present application also provides a kind of request processing methods, and this method is by mobile terminal It executes, Figure 10 is the flow diagram for the request processing method that another embodiment of the application provides, as shown in Figure 10, the process packet It includes:

Step S1002 sends the transaction request based on target application of the user of target application to server；

Step S1004 receives the transaction results that server is returned according to transaction request and display；

Wherein, transaction results include according to transaction request payment user financial settlement account in withholing as a result, and, According to transaction request to gathering user trustship account or collect money user financial settlement account transfer result.Pay the bill user It is the user of target application with gathering user.Target application is not financial class application, target application and specified financial application phase Association.Trustship account is in specified financial application be target application user's creation account, financial settlement account is preparatory The account of the user for the target application opened in specified financial application.

In the present embodiment, the user of target application can operate target application in the terminal, thus mobile terminal to Server sends transaction request.The corresponding payment user of transaction request and the user that collects money are the user of target application.

In above-mentioned steps S1002, mobile terminal is issued to the user that server sends target application based on target application Transaction request, in above-mentioned steps S1004, mobile terminal receives the transaction results that server is returned according to transaction request and display. Transaction results include according to transaction request withholing in the financial settlement account of payment user as a result, with according to transaction request To the transfer result of the financial settlement account of the trustship account or user that collects money of gathering user.

It by the above content it is found that in the present embodiment, can be interacted between mobile terminal and server, for example, mobile Terminal to server sends the transaction request based on target application of the user of target application, and server receives transaction request, and According to transaction request, operation of withholing is carried out in the financial settlement account of payment user, and according to transaction request, is used to gathering The corresponding amount of money is transferred in the trustship account at family or in the financial settlement account of gathering user.Server also sends transaction results To mobile terminal, mobile terminal receives transaction results and shows in target application.

For another example, mobile terminal sends the payment request based on target application of the enterprise customer of target application to server, Server receives the payment request, according to payment request, operation of withholing is carried out in the financial settlement account of enterprise customer, to receipts The corresponding amount of money is transferred in the trustship account of money user or in the financial settlement account of gathering user.Server is also by payment result It is sent to mobile terminal, mobile terminal receives payment result and shows in target application.

For another example, mobile terminal sends the gathering request based on target application of the enterprise customer of target application to server, Server receives gathering request, is requested according to gathering, carries out operation of withholing in the financial settlement account of payment user, according to Gathering request, is transferred to the corresponding amount of money into the trustship account of enterprise customer or in the financial settlement account of enterprise customer.Service Gathering result is also sent to mobile terminal by device, and mobile terminal receives gathering result and shows in target application.

The embodiment of the present application also provides a kind of application function expanding unit, Figure 11 answers for what one embodiment of the application provided With the module composition schematic diagram of function expanding device, as shown in figure 11, which includes:

Account creation unit 1101, in the associated specified financial application of target application, being the user of target application Create trustship account；Wherein, target application is not financial class application；

Service rendering units 1102, for the trustship account of the user based on target application and in advance in specified financial application In the financial settlement account of the user of target application opened, the user in target application for target application provides financial clothes Business.

Optionally, account creation unit 1101 is specifically used for: being target in the associated specified financial application of target application Using creation trustship main account；It is that the user of target application creates the sub- account of trustship under trustship main account；By the sub- account of trustship The corresponding trustship account of user as target application.

Optionally, service rendering units 1102 are specifically used for: obtaining the friendship based on target application of the user of target application Easily request, and determine the corresponding payment user of transaction request and gathering user；Payment user and gathering user are target application User；Operation of withholing is carried out in the financial settlement account of payment user according to transaction request；According to transaction request, to receipts It is transferred to the corresponding amount of money in the trustship account of money user, alternatively, the financial settlement account transfer according to transaction request, to gathering user Enter the corresponding amount of money.

Optionally, service rendering units 1102 also particularly useful for: if it is determined that gathering user trustship account and gathering user Financial settlement account binding success be transferred to the corresponding amount of money into the financial settlement account of gathering user then according to transaction request； If it is determined that the trustship account of gathering user is not bound with the financial settlement account of gathering user, and determine the trustship account of gathering user The remaining sum that keeps accounts at family, then according to transaction request, is transferred to corresponding more than or equal to the corresponding amount of money into the trustship account of gathering user The amount of money.

Optionally, transaction request is the payment request based on the target application in mobile terminal of payment user；Payment is used Family is the enterprise customer of target application；Collect money the enterprise customer or personal user that user is target application；Alternatively, transaction request For the gathering request based on the target application in mobile terminal of gathering user；Collect money the enterprise customer that user is target application； Pay the bill the enterprise customer or personal user that user is target application.

Optionally, transaction request is the merging payment request of the more bills based on bill scene, alternatively, transaction request is More based on scene of the transferring accounts merging transfer requests transferred accounts；Service rendering units 1102 also particularly useful for: determine transaction request Corresponding each gathering user；Service rendering units 1102 also particularly useful for: according to transaction request, respectively to each gathering user Trustship account in be transferred to the corresponding amount of money；Service rendering units 1102 also particularly useful for: according to transaction request, respectively to each receipts The corresponding amount of money is transferred in the financial settlement account of money user.

Optionally, transaction request is the merging gathering request of the more bills based on bill scene, alternatively, transaction request is More based on scene of the transferring accounts merging gathering requests transferred accounts；Service rendering units 1102 also particularly useful for: determine transaction request Corresponding each payment user；Service rendering units 1102 also particularly useful for: according to transaction request, respectively in each payment user Financial settlement account in, carry out operation of withholing.

Optionally, which further includes binding unit, is used for: by the financial settlement account of the trustship account of user and user It is bound；After binding success, the fund in the trustship account of user is transferred in the financial settlement account of user.

Application function expanding unit in the present embodiment can be realized server institute in above-mentioned application function extended method The each process that can be realized, and reach identical effect, it is not repeated herein.

The embodiment of the present application also provides a kind of request processing unit, Figure 12 is at the request that one embodiment of the application provides The module composition schematic diagram of device is managed, as shown in figure 12, which includes: request unit 1201, withhold 1202 and of unit It transfers accounts unit 1203.

In one embodiment, request unit 1201, the enterprise for obtaining target application from mobile terminal uses The payment request based on target application at family, and determine that the corresponding gathering user of payment request, gathering user are target application Enterprise customer or personal user；Withhold unit 1202, for according to payment request, in the financial settlement account of enterprise customer into Capable operation of withholing；It transfers accounts unit 1203, for according to payment request, into the trustship account of gathering user or gathering user The corresponding amount of money is transferred in financial settlement account；Wherein, target application is not financial class application；Target application and specified financial application It is associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account is pre- The account of the user for the target application first opened in specified financial application.

In another embodiment, request unit 1201, for obtaining the enterprise of target application from mobile terminal The gathering request based on target application of user, and determine that corresponding payment user is requested in gathering, payment user is target application Enterprise customer or personal user；It withholds unit 1202, for being requested according to gathering, in the financial settlement account of payment user Carry out operation of withholing；It transfers accounts unit 1203, for being requested according to gathering, into the trustship account of enterprise customer or enterprise customer Financial settlement account in be transferred to the corresponding amount of money；Wherein, target application is not financial class application；Target application is answered with specified finance With associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account is The account of the user for the target application opened in specified financial application in advance.

In another embodiment, request unit 1201, the user for obtaining target application are answered based on target Transaction request, and determine the corresponding payment user of transaction request and gathering user, payment user and gathering user are mesh Mark the user of application；It withholds unit 1202, for being withholdd in the financial settlement account of payment user according to transaction request Operation；It transfers accounts unit 1203, for according to transaction request, into the trustship account of gathering user or the finance knot of gathering user It does accounts and is transferred to the corresponding amount of money in family；Wherein, target application is not financial class application；Target application is related to specified financial application Connection；Trustship account is in specified financial application be target application user's creation account；Financial settlement account is to exist in advance The account of the user for the target application opened in specified financial application.

Request processing unit in the present embodiment can be realized server in above-mentioned request processing method and can be realized Each process, and reach identical effect, be not repeated herein.

The embodiment of the present application also provides another kinds to request processing unit, and Figure 13 asks for what another embodiment of the application provided The module composition schematic diagram of processing unit is sought, as shown in figure 13, which includes: that request transmitting unit 1301 and result receive list Member 1302.

In one embodiment, request transmitting unit 1301, for the enterprise customer's to server transmission target application Payment request based on target application；As a result receiving unit 1302, the payment returned for receiving server according to payment request As a result it and shows；Wherein, payment result include according to payment request withholing in the financial settlement account of enterprise customer as a result, With, according to payment request to gathering user trustship account or collect money user financial settlement account transfer result；Gathering User is the enterprise customer or personal user of target application, and target application is not financial class application；Target application and specified gold Melt using associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account Family is the account of the user for the target application opened in specified financial application in advance.

In another embodiment, request transmitting unit 1301, for sending the enterprise customer of target application to server Based on target application gathering request；As a result receiving unit 1302, the receipts returned for receiving server according to gathering request Money result is simultaneously shown；Wherein, gathering result includes being requested according to gathering to the trustship account of enterprise customer or enterprise customer The transfer result of financial settlement account, and, according to withhold result of the gathering request in the financial settlement account of payment user；It pays Money user is the enterprise customer or personal user of target application, and target application is not financial class application；Target application and specified Financial application is associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement Account is the account of the user for the target application opened in specified financial application in advance.

In another embodiment, request transmitting unit 1301, the base of the user for sending from target application to server In the transaction request of target application；As a result receiving unit 1302, the transaction knot returned for receiving server according to transaction request Fruit simultaneously shows；Wherein, transaction results include according to transaction request payment user financial settlement account in withholing as a result, With, according to transaction request to gathering user trustship account or collect money user financial settlement account transfer result；Payment User and gathering user are the user of target application；Target application is not financial class application；Target application is answered with specified finance With associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account is The account of the user for the target application opened in specified financial application in advance.

Request processing unit in the present embodiment can be realized mobile terminal in above-mentioned request processing method can be real Existing each process, and reach identical effect, it is not repeated herein.

Further, the embodiment of the present application also provides a kind of electronic equipment, Figure 14 is what one embodiment of the application provided The structural schematic diagram of electronic equipment, as shown in figure 14, electronic equipment can generate bigger difference because configuration or performance are different, It may include one or more processor 1401 and memory 1402, can store one or one in memory 1402 A application program stored above or data.Wherein, memory 1402 can be of short duration storage or persistent storage.It is stored in memory 1402 application program may include one or more modules (diagram is not shown), and each module may include setting to electronics Series of computation machine executable instruction in standby.Further, processor 1401 can be set to communicate with memory 1402, The series of computation machine executable instruction in memory 1402 is executed on an electronic device.Electronic equipment can also include one or More than one power supply 1403, one or more wired or wireless network interfaces 1404, one or more input and output Interface 1405, one or more keyboards 1406 etc..

In a specific embodiment, electronic equipment includes memory and one or more program, In one perhaps more than one program is stored in memory and one or more than one program may include one or one With upper module, and each module may include to the series of computation machine executable instruction in electronic equipment, and be configured to by It includes executable for carrying out following computer that one or more than one processor, which execute this or more than one program, Instruction:

It is that the user of target application creates trustship account in the associated specified financial application of target application；Wherein, target Using being not financial class application；The trustship account of user based on target application and the mesh opened in specified financial application in advance The financial settlement account for marking the user of application, provides financial service in target application for the user of target application.

Optionally, computer executable instructions are mesh in the associated specified financial application of target application when executed The user of mark application creates trustship account, comprising: in the associated specified financial application of target application, for target application creation support Pipe main account；It is that the user of target application creates the sub- account of trustship under trustship main account；It is answered using the sub- account of trustship as target The corresponding trustship account of user.

Optionally, computer executable instructions when executed, the trustship account of the user based on target application and in advance The financial settlement account of the user for the target application opened in specified financial application is the use of target application in target application Family provides financial service, comprising: obtains the transaction request based on target application of the user of target application, and determines transaction request Corresponding payment user and gathering user；Payment user and the user that collects money are the user of target application；According to transaction request, It pays the bill in the financial settlement account of user, carries out operation of withholing；According to transaction request, it is transferred into the trustship account of gathering user The corresponding amount of money, alternatively, being transferred to the corresponding amount of money into the financial settlement account of gathering user according to transaction request.

Optionally, computer executable instructions when executed, according to transaction request, into the trustship account of gathering user It is transferred to the corresponding amount of money, alternatively, being transferred to the corresponding amount of money into the financial settlement account of gathering user according to transaction request, comprising: if Determine the trustship account of gathering user and the financial settlement account binding success of gathering user, then according to transaction request, to gathering The corresponding amount of money is transferred in the financial settlement account of user；If it is determined that the trustship account of gathering user is not tied with the finance of gathering user Do accounts family binding, and determine gathering user trustship account the remaining sum that keeps accounts more than or equal to the corresponding amount of money, then asked according to transaction It asks, is transferred to the corresponding amount of money into the trustship account of gathering user.

Optionally, when executed, transaction request is payment user based in mobile terminal to computer executable instructions Target application payment request；Pay the bill the enterprise customer that user is target application；The user that collects money uses for the enterprise of target application Family or personal user；Alternatively, transaction request is the gathering request based on the target application in mobile terminal of gathering user；It receives Money user is the enterprise customer of target application；Pay the bill the enterprise customer or personal user that user is target application.

Optionally, when executed, transaction request is the more bills based on bill scene to computer executable instructions Merge payment request, alternatively, transaction request is the more merging transfer requests transferred accounts based on scene of transferring accounts；Determine transaction request Corresponding gathering user, comprising: determine the corresponding each gathering user of transaction request；According to transaction request, to gathering user's The corresponding amount of money is transferred in trustship account, comprising: according to transaction request, be transferred to phase into the trustship account of each gathering user respectively Answer the amount of money；According to transaction request, the corresponding amount of money is transferred into the financial settlement account of gathering user, comprising: according to transaction request, The corresponding amount of money is transferred into the financial settlement account of each gathering user respectively.

Optionally, when executed, transaction request is the more bills based on bill scene to computer executable instructions Merge gathering request, alternatively, transaction request is more based on scene of the transferring accounts merging transferred accounts gathering requests；Determine transaction request Corresponding payment user, comprising: determine the corresponding each payment user of transaction request；According to transaction request, payment user's In financial settlement account, operation of withholing is carried out, comprising: according to transaction request, respectively in the financial settlement account of each payment user In family, operation of withholing is carried out.

Optionally, computer executable instructions are when executed, further includes: by the trustship account of user and the finance of user Settlement accounts is bound；After binding success, the fund in the trustship account of user is transferred to the financial settlement account of user In.

Electronic equipment in the present embodiment can be realized server in above-mentioned application function extended method and can be realized Each process, and reach identical effect, be not repeated herein.

In another specific embodiment, electronic equipment includes memory and one or more program, Perhaps more than one program is stored in memory and one or more than one program may include one or one for one of them It is a with upper module, and each module may include and being configured to the series of computation machine executable instruction in electronic equipment Executing this or more than one program by one or more than one processor includes that can hold for carrying out following computer Row instruction:

The payment request based on target application of the enterprise customer of target application is obtained from mobile terminal, and determines payment Corresponding gathering user is requested, gathering user is the enterprise customer or personal user of target application；According to payment request, in enterprise Operation of withholing is carried out in the financial settlement account of user；According to payment request, into the trustship account of gathering user or collect money The corresponding amount of money is transferred in the financial settlement account of user；Wherein, target application is not financial class application；Target application and specified gold Melt using associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account Family is the account of the user for the target application opened in specified financial application in advance.

Alternatively,

The gathering request based on target application of the enterprise customer of target application is obtained from mobile terminal, and determines gathering Corresponding payment user is requested, payment user is the enterprise customer or personal user of target application；It is requested, is being paid the bill according to gathering Operation of withholing is carried out in the financial settlement account of user；It is requested according to gathering, into the trustship account of enterprise customer or enterprise The corresponding amount of money is transferred in the financial settlement account of user；Wherein, target application is not financial class application；Target application and specified gold Melt using associated；Trustship account is in specified financial application be target application user's creation account；Financial settlement account Family is the account of the user for the target application opened in specified financial application in advance.

Alternatively,

The transaction request based on target application of the user of target application is obtained, and determines that the corresponding payment of transaction request is used Family and gathering user, payment user and the user that collects money are the user of target application；According to transaction request, in the gold of payment user Melt and carries out operation of withholing in settlement accounts；According to transaction request, into the trustship account of gathering user or the gold of gathering user Melt and is transferred to the corresponding amount of money in settlement accounts；Wherein, target application is not financial class application；Target application and specified financial application phase Association；Trustship account is in specified financial application be target application user's creation account；Financial settlement account is preparatory The account of the user for the target application opened in specified financial application.

Electronic equipment in the present embodiment can be realized server in above-mentioned request processing method can be realized it is each A process, and reach identical effect, it is not repeated herein.

The payment request based on target application of the enterprise customer of target application is sent to server；Receive server according to Payment request return payment result and display；Wherein, payment result includes the finance knot according to payment request in enterprise customer Do accounts withholing in family as a result, and, according to payment request to the trustship account of gathering user or the financial settlement for the user that collects money The transfer result of account；Collect money the enterprise customer or personal user that user is target application, and target application is not that financial class is answered With；Target application is associated with specified financial application；Trustship account is in specified financial application be target application user's wound The account built；Financial settlement account is the account of the user for the target application opened in specified financial application in advance.

Alternatively,

The gathering request based on target application of the enterprise customer of target application is sent to server；Receive server according to The gathering result of gathering request return is simultaneously shown；Wherein, gathering result includes the trustship account according to gathering request to enterprise customer The transfer result of the financial settlement account of family or enterprise customer, and, according to gathering request in the financial settlement account of user of paying the bill Result of withholing in family；Pay the bill the enterprise customer or personal user that user is target application, and target application is not that financial class is answered With；Target application is associated with specified financial application；Trustship account is in specified financial application be target application user's wound The account built；Financial settlement account is the account of the user for the target application opened in specified financial application in advance.

Alternatively,

The transaction request based on target application of the user of target application is sent to server；Server is received according to transaction Request the transaction results returned and display；Wherein, transaction results include the financial settlement account according to transaction request in payment user Withholing in family as a result, and, according to transaction request to gathering user trustship account or collect money user financial settlement account Transfer result；Payment user and the user that collects money are the user of target application；Target application is not financial class application；Target is answered With associated with specified financial application；Trustship account is in specified financial application be target application user's creation account； Financial settlement account is the account of the user for the target application opened in specified financial application in advance.

Electronic equipment in the present embodiment can be realized what mobile terminal in above-mentioned request processing method can be realized Each process, and reach identical effect, it is not repeated herein.

Further, the embodiment of the present application also provides a kind of storage medium, for storing computer executable instructions, one In kind specific embodiment, which can be USB flash disk, CD, hard disk etc., and the computer of storage medium storage is executable Instruction is able to achieve following below scheme when being executed by processor:

Optionally, the computer executable instructions of storage medium storage are closed when being executed by processor in target application It is that the user of target application creates trustship account, comprising: in the associated specified finance of target application in the specified financial application of connection In, trustship main account is created for target application；It is that the user of target application creates the sub- account of trustship under trustship main account Family；Using the sub- account of trustship as the corresponding trustship account of the user of target application.

Optionally, the computer executable instructions of storage medium storage are based on target application when being executed by processor User trustship account and the target application opened in specified financial application in advance user financial settlement account, in mesh In mark application for the user of target application provide financial service, comprising: obtain the user of target application based on target application Transaction request, and determine the corresponding payment user of transaction request and gathering user；Payment user and gathering user are that target is answered User；Operation of withholing is carried out in the financial settlement account of payment user according to transaction request；According to transaction request, to It is transferred to the corresponding amount of money in the trustship account of gathering user, alternatively, according to transaction request, into the financial settlement account of gathering user It is transferred to the corresponding amount of money.

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, according to transaction request, It is transferred to the corresponding amount of money into the trustship account of gathering user, alternatively, according to transaction request, to the financial settlement account of gathering user In be transferred to the corresponding amount of money, comprising: if it is determined that gathering user trustship account and gathering user financial settlement account binding success, Then according to transaction request, the corresponding amount of money is transferred into the financial settlement account of gathering user；If it is determined that the trustship account of gathering user Family is not bound with the financial settlement account of gathering user, and determines that the remaining sum that keeps accounts of the trustship account of gathering user is more than or equal to The corresponding amount of money is transferred to the corresponding amount of money into the trustship account of gathering user then according to transaction request.

Optionally, for the computer executable instructions of storage medium storage when being executed by processor, transaction request is to pay The payment request based on the target application in mobile terminal of money user；Pay the bill the enterprise customer that user is target application；Gathering User is the enterprise customer or personal user of target application；Alternatively, transaction request is gathering user based in mobile terminal Target application gathering request；Collect money the enterprise customer that user is target application；The user that pays the bill uses for the enterprise of target application Family or personal user.

Optionally, for the computer executable instructions of storage medium storage when being executed by processor, transaction request is base In the merging payment request of more bills of bill scene, alternatively, transaction request is the more conjunctions transferred accounts based on scene of transferring accounts And transfer request；Determine the corresponding gathering user of transaction request, comprising: determine the corresponding each gathering user of transaction request；Root According to transaction request, the corresponding amount of money is transferred into the trustship account of gathering user, comprising: according to transaction request, respectively to each receipts The corresponding amount of money is transferred in the trustship account of money user；According to transaction request, phase is transferred into the financial settlement account of gathering user Answer the amount of money, comprising: according to transaction request, be transferred to the corresponding amount of money into the financial settlement account of each gathering user respectively.

Optionally, for the computer executable instructions of storage medium storage when being executed by processor, transaction request is base It collects money and requests in the merging of more bills of bill scene, alternatively, transaction request is the more conjunctions transferred accounts based on scene of transferring accounts And request of collecting money；Determine the corresponding payment user of transaction request, comprising: determine the corresponding each payment user of transaction request；Root Operation of withholing is carried out, comprising: according to transaction request, respectively each in the financial settlement account of payment user according to transaction request In the financial settlement account of a payment user, operation of withholing is carried out.

Optionally, the computer executable instructions of storage medium storage are when being executed by processor, further includes: by user Trustship account and the financial settlement account of user bind；After binding success, the fund in the trustship account of user is turned It moves in the financial settlement account of user.

Storage medium in the present embodiment can be realized server in above-mentioned application function extended method and can be realized Each process, and reach identical effect, be not repeated herein.

In a kind of specific embodiment, what which can store for USB flash disk, CD, hard disk etc., the storage medium Computer executable instructions are able to achieve following below scheme when being executed by processor:

Alternatively,

Storage medium in the present embodiment can be realized server in above-mentioned request processing method can be realized it is each A process, and reach identical effect, it is not repeated herein.

In another specific embodiment, which can be USB flash disk, CD, hard disk etc., storage medium storage Computer executable instructions when being executed by processor, be able to achieve following below scheme:

Alternatively,

Storage medium in the present embodiment can be realized what mobile terminal in above-mentioned request processing method can be realized Each process, and reach identical effect, it is not repeated herein.

In the 1990s, the improvement of a technology can be distinguished clearly be on hardware improvement (for example, Improvement to circuit structures such as diode, transistor, switches) or software on improvement (improvement for method flow).So And with the development of technology, the improvement of current many method flows can be considered as directly improving for hardware circuit. Designer nearly all obtains corresponding hardware circuit by the way that improved method flow to be programmed into hardware circuit.Cause This, it cannot be said that the improvement of a method flow cannot be realized with hardware entities module.For example, programmable logic device (Programmable Logic Device, PLD) (such as field programmable gate array (Field Programmable Gate Array, FPGA)) it is exactly such a integrated circuit, logic function determines device programming by user.By designer Voluntarily programming comes a digital display circuit " integrated " on a piece of PLD, designs and makes without asking chip maker Dedicated IC chip.Moreover, nowadays, substitution manually makes IC chip, this programming is also used instead mostly " is patrolled Volume compiler (logic compiler) " software realizes that software compiler used is similar when it writes with program development, And the source code before compiling also write by handy specific programming language, this is referred to as hardware description language (Hardware Description Language, HDL), and HDL is also not only a kind of, but there are many kind, such as ABEL (Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL (Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language) etc., VHDL (Very-High-Speed is most generally used at present Integrated Circuit Hardware Description Language) and Verilog.Those skilled in the art also answer This understands, it is only necessary to method flow slightly programming in logic and is programmed into integrated circuit with above-mentioned several hardware description languages, The hardware circuit for realizing the logical method process can be readily available.

Controller can be implemented in any suitable manner, for example, controller can take such as microprocessor or processing The computer for the computer readable program code (such as software or firmware) that device and storage can be executed by (micro-) processor can Read medium, logic gate, switch, specific integrated circuit (Application Specific Integrated Circuit, ASIC), the form of programmable logic controller (PLC) and insertion microcontroller, the example of controller includes but is not limited to following microcontroller Device: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone Labs C8051F320 are deposited Memory controller is also implemented as a part of the control logic of memory.It is also known in the art that in addition to Pure computer readable program code mode is realized other than controller, can be made completely by the way that method and step is carried out programming in logic Controller is obtained to come in fact in the form of logic gate, switch, specific integrated circuit, programmable logic controller (PLC) and insertion microcontroller etc. Existing identical function.Therefore this controller is considered a kind of hardware component, and to including for realizing various in it The device of function can also be considered as the structure in hardware component.Or even, it can will be regarded for realizing the device of various functions For either the software module of implementation method can be the structure in hardware component again.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment The combination of equipment.

For convenience of description, it is divided into various units when description apparatus above with function to describe respectively.Certainly, implementing this The function of each unit can be realized in the same or multiple software and or hardware when application.

It should be understood by those skilled in the art that, embodiments herein can provide as method, system or computer program Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the application, which can be used in one or more, The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces The form of product.

The application is referring to method, the process of equipment (system) and computer program product according to the embodiment of the present application Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates, Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or The function of being specified in multiple boxes.

These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one The step of function of being specified in a box or multiple boxes.

In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net Network interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It will be understood by those skilled in the art that embodiments herein can provide as method, system or computer program product. Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) Formula.

The application can describe in the general context of computer-executable instructions executed by a computer, such as program Module.Generally, program module includes routines performing specific tasks or implementing specific abstract data types, programs, objects, group Part, data structure etc..The application can also be practiced in a distributed computing environment, in these distributed computing environments, by Task is executed by the connected remote processing devices of communication network.In a distributed computing environment, program module can be with In the local and remote computer storage media including storage equipment.

All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method Part explanation.

The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application are equal Replacement, improvement etc., should be included within the scope of the claims of this application.

Claims

1. a kind of application function extended method characterized by comprising

It is that the user of the target application creates trustship account in the associated specified financial application of target application；Wherein, described Target application is not financial class application；

The trustship account of user based on the target application and the target opened in the specified financial application in advance The financial settlement account of the user of application, the user in the target application for the target application provide financial service.

2. the method according to claim 1, wherein in the associated specified financial application of target application, for institute The user for stating target application creates trustship account, comprising:

In the associated specified financial application of target application, trustship main account is created for the target application；

It is that the user of the target application creates the sub- account of trustship under the trustship main account；

Using the sub- account of the trustship as the corresponding trustship account of the user of the target application.

3. the method according to claim 1, wherein the trustship account of the user based on the target application and pre- The financial settlement account of the user for the target application first opened in the specified financial application, in the target application User for the target application provides financial service, comprising:

The transaction request based on the target application of the user of the target application is obtained, and determines that the transaction request is corresponding Payment user and gathering user；The payment user and the gathering user are the user of the target application；

Operation of withholing is carried out in the financial settlement account of the payment user according to the transaction request；

According to the transaction request, it is transferred to the corresponding amount of money into the trustship account of the gathering user, alternatively, according to the transaction Request is transferred to the corresponding amount of money into the financial settlement account of the gathering user.

4. according to the method described in claim 3, it is characterized in that, according to the transaction request, to the support of the gathering user The corresponding amount of money is transferred in pipe account, alternatively, according to the transaction request, into the financial settlement account of the gathering user It is transferred to the corresponding amount of money, comprising:

If it is determined that the financial settlement account binding success of the trustship account of the gathering user and the gathering user, then root According to the transaction request, the corresponding amount of money is transferred into the financial settlement account of the gathering user；

If it is determined that the financial settlement account of the trustship account of the gathering user not with the gathering user is bound, and determine The remaining sum that keeps accounts of the trustship account of the gathering user is more than or equal to the corresponding amount of money, then according to the transaction request, to The corresponding amount of money is transferred in the trustship account of the gathering user.

5. according to the method described in claim 3, it is characterized in that,

The transaction request is the payment request based on the target application in mobile terminal of the payment user；Described pair Money user is the enterprise customer of the target application；The gathering user is that the enterprise customer of the target application or individual use Family；

Alternatively,

The transaction request is the gathering request based on the target application in mobile terminal of the gathering user；The receipts Money user is the enterprise customer of the target application；The payment user is that the enterprise customer of the target application or individual use Family.

6. according to the method described in claim 3, it is characterized in that, the transaction request is the more bills based on bill scene Merging payment request, alternatively, the transaction request be the more merging transfer requests transferred accounts based on scene of transferring accounts；

Determine the corresponding gathering user of the transaction request, comprising: determine that the corresponding each gathering of the transaction request is used Family；

According to the transaction request, the corresponding amount of money is transferred into the trustship account of the gathering user, comprising: according to the transaction Request is transferred to the corresponding amount of money into the trustship account of each gathering user respectively；

According to the transaction request, the corresponding amount of money is transferred into the financial settlement account of the gathering user, comprising: according to The transaction request is transferred to the corresponding amount of money into the financial settlement account of each gathering user respectively.

7. according to the method described in claim 3, it is characterized in that, the transaction request is the more bills based on bill scene Merging collect money request, alternatively, the transaction request is the merging gathering request that more based on scene of transferring accounts transfer accounts；

Determine the corresponding payment user of the transaction request, comprising: determine that the corresponding each payment of the transaction request is used Family；

Operation of withholing is carried out, comprising: root in the financial settlement account of the payment user according to the transaction request According to the transaction request, respectively in the financial settlement account of each payment user, operation of withholing is carried out.

8. the method according to claim 1, wherein the method also includes:

The trustship account of the user and the financial settlement account of the user are bound；

After binding success, the fund in the trustship account of the user is transferred in the financial settlement account of the user.

9. a kind of request processing method characterized by comprising

The payment request based on the target application of the enterprise customer of target application is obtained from mobile terminal, and described in determination The corresponding gathering user of payment request, the gathering user are the enterprise customer or personal user of the target application；

According to the payment request, operation of withholing is carried out in the financial settlement account of the enterprise customer；

According to the payment request, into the trustship account of the gathering user or the financial settlement of the gathering user The corresponding amount of money is transferred in account；

Wherein, the target application is not financial class application；The target application is associated with specified financial application；The trustship Account be in the specified financial application be the target application user's creation account；The financial settlement account is pre- The account of the user for the target application first opened in the specified financial application.

10. a kind of request processing method characterized by comprising

The gathering request based on the target application of the enterprise customer of target application is obtained from mobile terminal, and described in determination Corresponding payment user is requested in gathering, and the payment user is the enterprise customer or personal user of the target application；

It is requested according to the gathering, carries out operation of withholing in the financial settlement account of the payment user；

It is requested according to the gathering, in the trustship account of Xiang Suoshu enterprise customer or the financial settlement of the enterprise customer The corresponding amount of money is transferred in account；

11. a kind of request processing method characterized by comprising

The transaction request based on the target application of the user of target application is obtained, and determines described corresponding pair of transaction request Money user and gathering user, the payment user and the gathering user are the user of the target application；

According to the transaction request, operation of withholing is carried out in the financial settlement account of the payment user；

According to the transaction request, into the trustship account of the gathering user or the financial settlement of the gathering user The corresponding amount of money is transferred in account；

12. a kind of request processing method characterized by comprising

The payment request based on the target application of the enterprise customer of target application is sent to server；

Receive the payment result that the server is returned according to the payment request and display；

Wherein, the payment result includes withholing in the financial settlement account of the enterprise customer according to the payment request As a result, and, according to the payment request to the trustship account of gathering user or the financial settlement account of the gathering user Transfer result；The gathering user is the enterprise customer or personal user of the target application, and the target application is not gold Melt class application；The target application is associated with specified financial application；The trustship account is in the specified financial application The account created for the user of the target application；The financial settlement account is open-minded in the specified financial application in advance The target application user account.

13. a kind of request processing method characterized by comprising

The gathering request based on the target application of the enterprise customer of target application is sent to server；

It receives the gathering result that the server is returned according to the gathering request and shows；

Wherein, the gathering result includes the trustship account according to the gathering request to the enterprise customer or the enterprise The transfer result of the financial settlement account of user, and, according to the gathering request in the financial settlement account of payment user It withholds result；The payment user is the enterprise customer or personal user of the target application, and the target application is not gold Melt class application；The target application is associated with specified financial application；The trustship account is in the specified financial application The account created for the user of the target application；The financial settlement account is open-minded in the specified financial application in advance The target application user account.

14. a kind of request processing method characterized by comprising

The transaction request based on the target application of the user of target application is sent to server；

Receive the transaction results that the server is returned according to the transaction request and display；

Wherein, the transaction results include the knot of withholing according to the transaction request in the financial settlement account of payment user Fruit, and, according to the transaction request to gathering user trustship account or collect money user financial settlement account knot of transferring accounts Fruit；The payment user and the gathering user are the user of the target application；The target application is not that financial class is answered With；The target application is associated with specified financial application；It is described that the trustship account, which is in the specified financial application, The account of user's creation of target application；The financial settlement account be opened in the specified financial application in advance described in The account of the user of target application.

15. a kind of application function expanding unit characterized by comprising

Account creation unit, the user in the associated specified financial application of target application, being the target application create Trustship account；Wherein, the target application is not financial class application；

Service rendering units, for the trustship account of the user based on the target application and in advance in the specified financial application In the financial settlement account of the user of the target application opened, be the user of the target application in the target application Financial service is provided.

16. a kind of request processing unit characterized by comprising

Request unit, the paying based on the target application of the enterprise customer for obtaining target application from mobile terminal Money request, and determine the corresponding gathering user of the payment request, the gathering user is the enterprise customer of the target application Or personal user；

It withholds unit, for carrying out operation of withholing in the financial settlement account of the enterprise customer according to the payment request；

It transfers accounts unit, for according to the payment request, into the trustship account of the gathering user or the gathering user The financial settlement account in be transferred to the corresponding amount of money；

17. a kind of request processing unit characterized by comprising

Request unit, the receipts based on the target application of the enterprise customer for obtaining target application from mobile terminal Money request, and determine that corresponding payment user is requested in the gathering, the payment user is the enterprise customer of the target application Or personal user；

It withholds unit, for requesting according to the gathering, carries out operation of withholing in the financial settlement account for paying the bill user；

It transfers accounts unit, for according to gathering request, in the trustship account of Xiang Suoshu enterprise customer or the enterprise customer The financial settlement account in be transferred to the corresponding amount of money；

18. a kind of request processing unit characterized by comprising

Request unit, the transaction request based on the target application of the user for obtaining target application, and determine institute The corresponding payment user of transaction request and gathering user are stated, the payment user and the gathering user are the target application User；

It withholds unit, for carrying out operation of withholing in the financial settlement account of the payment user according to the transaction request；

It transfers accounts unit, for according to the transaction request, into the trustship account of the gathering user or the gathering user The financial settlement account in be transferred to the corresponding amount of money；

19. a kind of request processing unit characterized by comprising

Request transmitting unit is asked for sending the payment based on the target application of enterprise customer of target application to server It asks；

As a result receiving unit, the payment result returned according to the payment request for receiving the server and display；

20. a kind of request processing unit characterized by comprising

Request transmitting unit is asked for sending the gathering based on the target application of enterprise customer of target application to server It asks；

As a result receiving unit, for receiving the server according to the gathering result of the gathering request return and showing；

21. a kind of request processing unit characterized by comprising

Request transmitting unit, the transaction request based on the target application of the user for sending from target application to server；

As a result receiving unit, the transaction results returned according to the transaction request for receiving the server and display；

22. a kind of application function expansion equipment characterized by comprising processor；And be arranged to storage computer can hold The memory of row instruction, the computer executable instructions make the processor realize the claims 1 to 8 when executed The step of described in any item methods.

23. a kind of request processing equipment characterized by comprising processor；And it is arranged to the executable finger of storage computer The memory of order, the computer executable instructions realize the processor described in the claims 9 The step of method, alternatively, the step of realizing method described in the claims 10, alternatively, realizing 11 institute of the claims The step of method stated, alternatively, the step of realizing method described in the claims 12, alternatively, realizing the claims The step of method described in 13, alternatively, the step of realizing method described in the claims 14.

24. a kind of storage medium, for storing computer executable instructions, which is characterized in that the computer executable instructions The step of realizing the described in any item methods of the claims 1 to 8 when executed.

25. a kind of storage medium, for storing computer executable instructions, which is characterized in that the computer executable instructions The step of realizing method described in the claims 9 when executed, alternatively, realizing method described in the claims 10 The step of, alternatively, the step of realizing method described in the claims 11, alternatively, realizing described in the claims 12 The step of method, alternatively, the step of realizing method described in the claims 13, alternatively, realizing 14 institute of the claims The step of method stated.