CN113610514A

CN113610514A - Account job processing method and device, electronic equipment and storage medium

Info

Publication number: CN113610514A
Application number: CN202110873850.2A
Authority: CN
Inventors: 黄清颖; 杨杰; 程浩; 黎民
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2021-07-30
Filing date: 2021-07-30
Publication date: 2021-11-05

Abstract

The invention discloses an account job processing method, an account job processing device, electronic equipment and a storage medium, wherein the method comprises the following steps: receiving an account authorization request; triggering an account authorization flow according to the account authorization request, receiving identity information of an authorized person, and judging whether the authorized person is a client in a preset range; receiving authorization account information, an authorization type and an authorization rule corresponding to the authorization type in response to the judgment result is yes, wherein the authorization rule comprises: authorization limit and authorization time; and in response to the successful security verification of the online banking shield corresponding to the authorized account, executing account authorization operation according to the identity information of the authorized person, the authorized account information, the authorization type and the authorization rule corresponding to the authorization type. By the method and the device, the experience of the customer can be improved.

Description

Account job processing method and device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of data security, in particular to an account job processing method and device, electronic equipment and a storage medium.

Background

The existing internet transaction can only use the own account to carry out transaction basically because the account security is guaranteed, but the existing internet transaction has inconvenience in certain specific scenes. For example, in a family, if a child reads a book at a foreign place, the child needs to pay a school fee, a mobile phone fee and other various living expenses, at this time, parents often have two methods, one is to help the child pay the fees in person, and the other is to transfer funds of a specific amount into a child account at random. The former is rather inconvenient for parents, and the latter has certain risk because the transferred funds enter a child account instead of being directly used for payment, so that the possibility of child loss, misuse and misuse exists. Similarly, the old people who are old need to pay for the life and the children pay for the life or transfer money, so the same inconvenience and risk are also existed.

That is, since only the principal account can be used for the transaction, the convenience of the customer transaction is reduced, thereby reducing the experience of the customer.

Disclosure of Invention

In view of the above, the present invention provides an account job processing method, an account job processing apparatus, an electronic device, and a storage medium to solve at least one of the above-mentioned problems.

According to a first aspect of the present invention, there is provided an account job processing method, the method comprising:

receiving an account authorization request;

triggering an account authorization flow according to the account authorization request, receiving identity information of an authorized person, and judging whether the authorized person is a client in a preset range;

receiving authorization account information, an authorization type and an authorization rule corresponding to the authorization type in response to the judgment result is yes, wherein the authorization rule comprises: authorization limit and authorization time;

and in response to the successful security verification of the online banking shield corresponding to the authorized account, executing account authorization operation according to the identity information of the authorized person, the authorized account information, the authorization type and the authorization rule corresponding to the authorization type.

Specifically, the authorization type is a payment type, and the method further includes:

and selecting the payment units in the preset range for subsequent payment operation.

Specifically, the authorization type is a transfer type, and the method further includes:

receiving and storing the information of the payee and the information of the collection bank.

According to a second aspect of the present invention, there is provided an account job processing method, the method comprising:

receiving an account job request, the request comprising: job type, job data;

matching the job data according to the job type and an authorization rule preset by the job type;

responding to the successful matching, selecting an authorized account to execute account job processing, wherein the authorized account is an account of a non-account job requester;

and responding to the successful security verification of the corresponding internet banking shield of the account job requester, and executing the account job processing based on the authorized account.

Further, after performing the account job processing based on the authorized account, the method further comprises:

and sending the account job processing information to an authorized account appointed terminal.

Further, in response to the match not being successful, the method further comprises:

and selecting an account corresponding to the account job requester to execute account job processing.

Specifically, the job type is a payment type, and the job data includes: payment unit, payment amount and payment time.

Specifically, the job type is a transfer type, and the job data includes: payee information, payee bank information, transfer amount and transfer time.

According to a third aspect of the present invention, there is provided an account job processing apparatus, the apparatus comprising:

an authorization request receiving unit, configured to receive an account authorization request;

the identity information receiving unit of the authorized person is used for triggering an account authorization process according to the account authorization request and receiving the identity information of the authorized person;

the judging unit is used for judging whether the authorized person is a client in a preset range;

an authorization information receiving unit, configured to receive, in response to a yes determination result, authorization account information, an authorization type, and an authorization rule corresponding to the authorization type, where the authorization rule includes: authorization limit and authorization time;

and the authorization operation unit is used for responding to the successful security verification of the online banking shield corresponding to the authorization account, and executing account authorization operation according to the identity information of the authorized person, the authorization account information, the authorization type and the authorization rule corresponding to the authorization type.

Further, the authorization type is a payment type, and the device further includes:

and the selecting unit is used for selecting the payment units in the preset range for subsequent payment operation.

Further, the authorization type is a transfer type, and the device further comprises:

and the collection information storage unit is used for receiving and storing the information of the payee and the information of the collection bank.

According to a fourth aspect of the present invention, there is provided an account job processing apparatus, the apparatus comprising:

a job request receiving unit configured to receive an account job request, the request including: job type, job data;

the matching unit is used for matching the job data according to the job type and an authorization rule preset by the job type;

the authorized account selection unit is used for responding to the successful matching and selecting an authorized account to execute account job processing, wherein the authorized account is the account of the non-account job requester;

and the operation execution unit is used for responding to the successful security verification of the corresponding internet banking shield of the account operation requester and executing the account operation processing based on the authorized account.

Preferably, the apparatus further comprises:

and the job processing information sending unit is used for sending the account job processing information to the authorized account designated terminal.

Further, the apparatus further comprises:

and the requester account selection unit is used for selecting an account corresponding to the account job requester to execute account job processing in response to unsuccessful matching.

Specifically, the job type received by the job request receiving unit is a payment type, and the job data includes: payment unit, payment amount and payment time.

Specifically, the job type received by the job request receiving unit is a transfer type, and the job data includes: payee information, payee bank information, transfer amount and transfer time.

According to a fifth aspect of the present invention, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the program.

According to a sixth aspect of the present invention, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above method.

According to the technical scheme, the account authorization process is triggered according to the received account authorization request, the identity information of the authorized person is received, whether the authorized person is a client in a preset range is judged, and when the judgment result is yes and the online banking shield corresponding to the authorization account is successfully verified, the account authorization operation is executed according to the received authorization account information, the authorization type and the authorization rule corresponding to the authorization type, so that the account authorization transaction is realized, and other people can be authorized to use the account of the user to conduct the account transaction in a limited range.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a flow diagram of an account job processing method according to an embodiment of the present invention;

FIG. 2 is another flow diagram of an account job processing method according to an embodiment of the present invention;

FIG. 3 is a flow diagram of an authorizer authorizing another person to use a principal account, according to an embodiment of the invention;

FIG. 4 is a flow diagram of an authorized person performing a transaction using another person's account, according to an embodiment of the invention;

fig. 5 is a block diagram of the structure of an account job processing apparatus according to an embodiment of the present invention;

fig. 6 is another configuration block diagram of an account job processing apparatus according to an embodiment of the present invention;

fig. 7 is a schematic block diagram of a system configuration of an electronic apparatus 700 according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Because the online banking transaction can be carried out only by using the personal account at present, the convenience of the transaction of the customer is reduced, and the experience of the customer is reduced. Based on this, the embodiment of the invention provides an account operation processing scheme, which is based on the internet banking shield security verification, realizes account authorization transaction, authorizes others to use the own account to perform account transaction within a limited range, and thus can overcome the problem of low transaction convenience caused by the fact that only the own account can be used for performing internet banking transaction in the prior art, and thus can improve the experience of customers. Embodiments of the present invention are described in detail below with reference to the accompanying drawings.

Fig. 1 is a flowchart of an account job processing method according to an embodiment of the present invention, and as shown in fig. 1, shows a flow of authorizing others to use a principal account to perform an account transaction within a limited range, and the specific flow includes:

step 101, an account authorization request is received.

Step 102, triggering an account authorization process according to the account authorization request, receiving identity information of an authorized person, and judging whether the authorized person is a client in a preset range.

In actual practice, the predetermined range client may be referred to as an online banking contracted client. The online banking signed customer is to register and sign a contract with the personal identity card and the bank card in the bank business network, and the registered customer information can be logged in the personal online bank of the bank after being confirmed by the online banking system.

Step 103, in response to the determination result being yes, receiving authorization account information, an authorization type and an authorization rule corresponding to the authorization type, where the authorization rule includes: authorized amount and authorized time.

Through the authorization rules, others may be authorized to use the principal account for account transactions within a defined range (e.g., a defined amount of money, a defined time).

And step 104, in response to the successful security verification of the online banking shield corresponding to the authorized account, executing account authorization operation according to the identity information of the authorized person, the authorized account information, the authorization type and the authorization rule corresponding to the authorization type.

The method comprises the steps of triggering an account authorization flow according to a received account authorization request, receiving identity information of an authorized person, judging whether the authorized person is a client in a preset range, and executing account authorization operation according to the received authorization account information, authorization types and authorization rules corresponding to the authorization types when the judgment result is yes and the online banking shield corresponding to the authorization account is successfully verified.

In actual operation, the authorization type may be a payment type, and then the payment unit in the predetermined range needs to be selected for the subsequent payment operation.

The payment unit in the predetermined range may be an online bank contracted payment unit, and specifically refers to a payment unit contracted with an online bank after the online bank transacts the proxy collection, the payment unit stores the collection information in the online bank system, and the online bank system proxy payment unit receives the payment of the online bank user and transfers the payment to an account of the payment unit.

The authorization type can also be a transfer type, and at this time, payee information and collection bank information need to be received and stored so as to facilitate the subsequent transfer operation.

After the above-mentioned account authorization operation is completed, the authorized person can perform the corresponding account transaction through the account authorized by the other person, and the flow is described below with reference to fig. 2.

Fig. 2 is a flowchart of an account job processing method according to an embodiment of the present invention, and as shown in fig. 2, the flowchart illustrates a flow of performing an account transaction within a limited range by using another person account, and includes:

step 201, receiving an account job request, wherein the request comprises: job type, job data.

And step 202, performing matching operation on the job data according to the job type and an authorization rule preset by the job type.

Specifically, when the job type is a payment type, the job data includes: payment unit, payment amount and payment time.

When the job type is a transfer type, the job data includes: payee information, payee bank information, transfer amount and transfer time.

And step 203, responding to the successful matching, selecting an authorized account to execute account job processing, wherein the authorized account is the account of the non-account job requester.

And when the matching is not successful, only the account corresponding to the account job requester can be selected to execute the account job processing.

And step 204, in response to the successful security verification of the corresponding internet banking shield of the account job requester, executing the account job processing based on the authorized account.

By matching the operation data according to the operation type in the received account operation request and the preset authorization rule of the operation type, when the matching is successful and the corresponding internet banking shield security verification of the account operation requester is successful, the account operation processing can be executed based on the selected authorization account.

Preferably, after step 204 is executed, the account job processing information may also be sent to the authorized account designation terminal, so that the authorizer may know the account job processing condition.

For better understanding of the present invention, the following describes the authorization and transaction flow of the online banking account in detail with reference to fig. 3 and 4 by taking the online banking account as an example.

Fig. 3 is a flow chart of authorizing others to use the principal account according to the embodiment of the present invention, and as shown in fig. 3, the flow chart includes:

(1) the method comprises the steps that an authorizer logs in the internet bank and enters an account authorization interface, the name and the certificate number of an authorized person are firstly input, and after the internet bank system confirms that the name and the certificate number of the authorized person belong to an internet bank signing user, the authorizer can select a certain internet bank signing account of the authorizer as an authorization account.

The online banking contract-signing account refers to an account which is formed by a customer carrying a valid certificate and an account and transacting additional contract-signing procedures to a business counter, and the contract-signing account can realize all functions provided by the online banking. The signed account allows the use of transaction passwords, dynamic passwords and internet banking shield security verification during transactions with lower limit; when large-scale transaction is carried out, the internet bank shield is required to be used for safety verification.

(2) The authorizer selects an authorized transaction scenario, such as payment or transfer. When the payee is the online bank signing payment unit, the authorizer only needs to select the payment unit, because the online bank signing payment unit already stores all the payment information in the online bank system when signing the online bank. If the payee is not an online banking contracted payment unit, a transfer mode may be selected in which the authorizer needs to fill in the payee name, payee account number, and payee bank to ensure that the authorized account is only available for transferring to the payee.

(3) On the authorization rules (corresponding to the authorization rules described above), the risk is controlled both in terms of amount and time. In terms of amount, the authorizer can select the total amount, the single transaction amount and the daily accumulated amount of the authorized account to limit the expenditure amount of the authorized account. The authorizer can specify a range of time spans for which the authorized account can be used, or a limit on frequency (e.g., monthly, weekly number of uses), or specify a particular date on which the authorized account can be used.

(4) After the authorizer completes the filling of the related authorization content, the authorizer is forced to use an online banking shield to perform security verification to complete authorization. Because the online banking shield can store the electronic certificate and has the electronic signature function, the confidentiality, the authenticity and the integrity of online transaction are ensured, and the security is extremely high. The mandatory use of the internet banking shield is generally applicable to large-amount transfer, remittance and payment, and is basically the highest-level security verification mode of the existing online transaction so as to ensure the security of account authorization.

(5) The transaction is authorized to be completed. Of course, the authorizer may cancel all or part of the authorized transaction at any time.

Fig. 4 is a flow chart of an authorized person performing a transaction using another person's account, as shown in fig. 4, the flow chart including:

(1) after the authorized person logs in the internet bank, the initial operation flow is consistent with the ordinary internet bank payment and transfer transaction when payment or transfer is carried out. When paying, it needs to select the paying unit, fill in the paying information (such as contract number, paying time, etc.) and paying amount. During transferring, the name of a receiver, the account number of the receiver, a receiving bank and the transfer amount are required to be input.

(2) When entering the selected account page, if the payment operation is carried out, the system can judge whether the payment unit is matched with the payment unit limited by the authorizer, then judge whether the amount and the current payment time meet the authorization limit, and only when the limit is met, the authorized account of the authorizer appears in the account selection list of the authorized. Similarly, in the transfer operation, whether the matched payee information and the payee information, the transfer amount and the transfer time defined by the authorizer meet the authorization requirement or not is judged. If not, only the principal account can be selected for subsequent transactions.

(3) When the authorized person uses the authorized account to conduct transaction, the transaction can only be completed through security verification of the internet bank shield. The transaction of the authorized person and the authorized person adopt the internet banking shield verification with extremely high security to ensure the security.

(4) When the transaction is completed, the internet bank system sends a short message to an authorizer terminal (for example, a mobile phone) to inform the authorizer of the account authorization condition.

As can be seen from the above description, the embodiment of the present invention utilizes the high security of the internet banking shield, so that the authorizer can use the authorizer account to perform a specific account transaction within a limited range.

Based on similar inventive concepts, the embodiment of the present invention further provides an account job processing apparatus, which is preferably used for implementing the above-mentioned process of authorizing others to use the own account shown in fig. 1.

Fig. 5 is a block diagram of the configuration of the account job processing apparatus, which includes, as shown in fig. 5: an authorization request receiving unit 51, an authorized person identification information receiving unit 52, a judging unit 53, an authorization information receiving unit 54, and an authorization operation unit 55, wherein:

an authorization request receiving unit 51, configured to receive an account authorization request;

the authorized person identity information receiving unit 52 is configured to trigger an account authorization process according to the account authorization request, and receive identity information of an authorized person;

a judging unit 53, configured to judge whether the authorized person is a client in a predetermined range;

an authorization information receiving unit 54, configured to receive, in response to the determination result being yes, authorization account information, an authorization type, and an authorization rule corresponding to the authorization type, where the authorization rule includes: authorization limit and authorization time;

and the authorization operation unit 55 is configured to, in response to that the internet banking shield corresponding to the authorization account successfully verifies the security, execute an account authorization operation according to the identity information of the authorized person, the authorization account information, the authorization type, and the authorization rule corresponding to the authorization type.

The identity information of the person to be authorized is received by the receiving unit 52 for receiving the identity information of the person to be authorized triggering the account authorization process according to the account authorization request received by the receiving unit 51 for authorization request, the determining unit 53 determines whether the person to be authorized is a client in the predetermined range, when the judgment result is yes and the security verification of the online banking shield corresponding to the authorization account is successful, the authorization operation unit 55 executes the account authorization operation according to the authorization account information, the authorization type and the authorization rule corresponding to the authorization type received by the authorization information receiving unit 54, thus, the account authorization transaction is realized, the method and the device can authorize others to use the own account to carry out account transaction within a limited range, and by the embodiment of the invention, the problem of low transaction convenience caused by the fact that only the user account can be used for online banking transaction in the prior art can be solved, and therefore the experience of a customer can be improved.

In one embodiment, when the authorization type is a payment type, the apparatus further includes: and the selecting unit is used for selecting the payment units in the preset range for subsequent payment operation.

When the authorization type is a transfer type, the apparatus further comprises: and the collection information storage unit is used for receiving and storing the information of the payee and the information of the collection bank.

For the specific execution process of each unit, reference may be made to the description in the foregoing method embodiment, and details are not described here again.

An embodiment of the present invention further provides an account job processing apparatus, which is preferably used to implement the flow of using another person account transaction shown in fig. 2.

Fig. 6 is a block diagram showing the configuration of the account job processing apparatus, which includes, as shown in fig. 6: a job request receiving unit 61, a matching unit 62, an authorized account selecting unit 63, a job executing unit 64, wherein:

a job request receiving unit 61, configured to receive an account job request, where the request includes: job type, job data.

When the operation type is a payment type, the operation data comprises: payment unit, payment amount and payment time.

And the matching unit 62 is used for performing matching operation on the job data according to the job type and an authorization rule preset by the job type.

And the authorized account selecting unit 63 is configured to select an authorized account to perform account job processing in response to successful matching, where the authorized account is an account of a non-account job requester and belongs to an account of another person.

And the job execution unit 64 is configured to, in response to that the internet banking shield corresponding to the account job requester successfully verifies the security, execute the account job processing based on the authorized account.

The matching unit 62 performs matching operation on the job data according to the job type in the account job request received by the job request receiving unit 61 and the preset authorization rule of the job type, and when matching is successful and the internet banking shield corresponding to the account job requester is successfully verified, the job executing unit 64 can execute account job processing based on the authorization account selected by the authorization account selecting unit 63.

In one embodiment, the above apparatus further comprises: and the job processing information sending unit is used for sending the account job processing information to the authorized account designated terminal.

The above-mentioned device still includes: and the requester account selection unit is used for selecting an account corresponding to the account job requester to execute account job processing in response to the unsuccessful matching result of the matching unit 62.

In practical operation, the units in fig. 5 and fig. 6 may be arranged in combination or in a single arrangement, and the present invention is not limited thereto.

The present embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, and the like, but is not limited thereto. In this embodiment, the electronic device may be implemented by referring to the above method embodiment and the account job processing apparatus embodiment, and the contents thereof are incorporated herein, and repeated details are not repeated.

Fig. 7 is a schematic block diagram of a system configuration of an electronic apparatus 700 according to an embodiment of the present invention. As shown in fig. 7, the electronic device 700 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. Notably, this diagram is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the account job processing functions may be integrated into the central processor 100. The central processor 100 may be configured to control as follows:

receiving an account authorization request;

As can be seen from the above description, in the electronic device provided in the embodiment of the present invention, the account authorization process is triggered according to the received account authorization request, the identity information of the authorized person is received, and it is determined whether the authorized person is a customer in a predetermined range, and when the determined result is yes and the online banking shield corresponding to the authorization account is successfully verified, the account authorization operation is executed according to the received authorization account information, the authorization type, and the authorization rule corresponding to the authorization type, so that the account authorization transaction is implemented, and another person can be authorized to use the principal account to perform the account transaction within the limited range.

In another embodiment, the account job processing apparatus may be configured separately from the central processor 100, for example, the account job processing apparatus may be configured as a chip connected to the central processor 100, and the account job processing function is realized by the control of the central processor.

As shown in fig. 7, the electronic device 700 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 700 does not necessarily include all of the components shown in fig. 7; furthermore, the electronic device 700 may also comprise components not shown in fig. 7, reference being made to the prior art.

As shown in fig. 7, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 700.

The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.

The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 700. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.

The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 700 by the central processing unit 100.

The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.

Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the steps of the above-mentioned account job processing method.

In summary, the account authorization transaction process is constructed based on the security of the online banking shield verification, and the process is combined with conditions such as an authorization transaction range and a limit to realize that other people can be authorized to use the own account to conduct transaction in the online banking. The process has higher applicability in authorized payment and transfer, but the process is not limited to payment and transfer operation, and the authorizer and the authorized person can authorize various account transactions to the authorized person (such as credit card repayment, public interest donation and the like) in the safety of using the internet bank shield, so that the method has universality, the convenience of using the internet bank by the client is improved, and the experience of the client is improved.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the hardware + program class embodiment, since it is substantially similar to the method embodiment, the description is simple, and the relevant points can be referred to the partial description of the method embodiment.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Although the present application provides method steps as described in an embodiment or flowchart, additional or fewer steps may be included based on conventional or non-inventive efforts. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a vehicle-mounted human-computer interaction device, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

The terms "comprises," "comprising," or any other variation thereof, in the embodiments of this specification are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded.

For convenience of description, the above devices are described as being divided into various modules by functions, and are described separately. Of course, in implementing the embodiments of the present description, the functions of each module may be implemented in one or more software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules or sub-units, and the like. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may therefore be considered as a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.

The embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The described embodiments may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of an embodiment of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

The above description is only an example of the embodiments of the present disclosure, and is not intended to limit the embodiments of the present disclosure. Various modifications and variations to the embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the embodiments of the present specification should be included in the scope of the claims of the embodiments of the present specification.

Claims

1. An account job processing method, comprising:

receiving an account authorization request;

2. The method of claim 1, wherein the authorization type is a payment type, the method further comprising:

3. The method of claim 1, wherein the authorization type is a transfer type, the method further comprising:

4. An account job processing method, comprising:

receiving an account job request, the request comprising: job type, job data;

5. The method of claim 4, wherein after performing the account job processing based on the authorized account, the method further comprises:

6. The method of claim 4, wherein in response to the match not being successful, the method further comprises:

7. The method of claim 4, wherein the job type is a payment type, and the job data comprises: payment unit, payment amount and payment time.

8. The method of claim 4, wherein the job type is a transfer type, and wherein the job data comprises: payee information, payee bank information, transfer amount and transfer time.

9. An account job processing apparatus, characterized in that the apparatus comprises:

10. The apparatus of claim 9, wherein the authorization type is a payment type, the apparatus further comprising:

11. The apparatus of claim 9, wherein the authorization type is a transfer type, the apparatus further comprising:

12. An account job processing apparatus, characterized in that the apparatus comprises:

13. The apparatus of claim 12, further comprising:

14. The apparatus of claim 12, further comprising:

15. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 8 are implemented when the processor executes the program.

16. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 8.