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CN110197392A - Equity data transfer device, device, electronic equipment and storage medium - Google Patents

Equity data transfer device, device, electronic equipment and storage medium Download PDF

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Publication number
CN110197392A
CN110197392A CN201910305596.9A CN201910305596A CN110197392A CN 110197392 A CN110197392 A CN 110197392A CN 201910305596 A CN201910305596 A CN 201910305596A CN 110197392 A CN110197392 A CN 110197392A
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China
Prior art keywords
equity
bank card
account
applicant
transaction
Prior art date
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Pending
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CN201910305596.9A
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Chinese (zh)
Inventor
李官宝
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OneConnect Smart Technology Co Ltd
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OneConnect Smart Technology Co Ltd
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Publication date
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Priority to CN201910305596.9A priority Critical patent/CN110197392A/en
Publication of CN110197392A publication Critical patent/CN110197392A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208Trade or exchange of goods or services in exchange for incentives or rewards
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a kind of equity data transfer device, device, electronic equipment and storage medium.The equity data transfer device can be when receiving equity application instruction, equity to be applied is determined according to equity application instruction, from the bank card list safeguarded in advance, obtain all bank cards with the equity to be applied, and according to the identification information of each bank card from all bank cards, determine target bank card, to guarantee the timeliness of transaction, further applicant's account for holder's account of the target bank card and equity application instruction establishes transaction, when detecting that transaction is completed, when i.e. transaction verification is completed, applicant's account is sent to applying right benefit by described, and then guarantee the interests of both parties, the conversion of bank card equity is realized simultaneously, make user under the premise of not handling target bank card, also the equity of the target bank card can be enjoyed, it is convenient to provide the user , promote user experience.

Description

Equity data transfer device, device, electronic equipment and storage medium
Technical field
The present invention relates to intelligent Trade technical field more particularly to a kind of equity data transfer devices, device, electronic equipment And storage medium.
Background technique
Currently, there are many kinds of the bank cards to circulate in the market, in view of being by different issued by banks, therefore bank card is excellent Favour equity is also different, and user can only use the corresponding preferential equity of bank card of oneself, and cannot use other people silver The equity and preferential that row card provides, user handle all bank cards unlikely in order to obtain corresponding preferential equity, this It is in general and infeasible.
But in use, the corresponding preferential equity of the bank card of user oneself is likely to user and does not need , and the corresponding preferential equity of other people bank card is just then that user needs, and in response to this, then can not effectively be solved Certainly, user experience is influenced.
Summary of the invention
In view of the foregoing, it is necessary to a kind of equity data transfer device, device, electronic equipment and storage medium are provided, The present invention can realize the conversion of bank card equity, user is made not handle target under the premise of guaranteeing both parties' interests Under the premise of bank card, the equity of the target bank card can be also enjoyed, it is convenient to provide the user, and promotes user experience.
A kind of equity data transfer device, which comprises
When receiving equity application instruction, equity to be applied is determined according to equity application instruction;
From the bank card list safeguarded in advance, all bank cards with the equity to be applied are obtained;
According to the identification information of each bank card from all bank cards, target bank card is determined;
The applicant's account instructed for holder's account of the target bank card and the equity application establishes transaction;
When detecting that transaction is completed, applicant's account is sent to applying right benefit by described.
Preferred embodiment according to the present invention, the identification information according to each bank card from all bank cards, Determine that target bank card includes:
From all bank cards, obtain with the ownership equity bank to be vended for selling the equity mark to be applied Card;
Into ownership equity bank card to be vended, the holder of every equity bank card to be vended issues application respectively Request;
When detecting when receiving signal of the application request, by it is described receive the corresponding bank card of signal be determined as it is described Target bank card.
Preferred embodiment according to the present invention, it is described to refer to for holder's account of the target bank card and the equity application Applicant's account of order establishes transaction
Online trading is established for holder's account and applicant's account;Or
The contact method of the holder is sent to the applicant, and the contact method of the applicant is sent to The holder, and off-line transaction prompt information is sent respectively to the holder and the applicant.
Preferred embodiment according to the present invention, the detection transaction completion include:
When the online trading for monitoring holder's account and applicant's account is in completion status, determines and hand over It is readily accomplished;Or
When signal is completed in the transaction for receiving the transaction completion signal that the holder sends and applicant transmission When, determine that transaction is completed.
Preferred embodiment according to the present invention, in the holder's account and equity application instruction for the target bank card Applicant's account establish transaction when, the method also includes:
The applicant is prompted to pay preset cost;
Save the preset cost;
When detecting that transaction is completed, the preset cost is returned to applicant's account.
Preferred embodiment according to the present invention, the method also includes:
When receiving when handling bank card instruction of applicant's triggering, interface is handled in connection.
Preferred embodiment according to the present invention, the method also includes:
It obtains in the bank card list, the transaction record of holder's account of every bank card;
Grade classification is carried out according to holder account of the transaction record to every bank card.
A kind of equity data conversion device, described device include:
Determination unit, for being determined to applying right according to equity application instruction when receiving equity application instruction Benefit;
Acquiring unit, for obtaining all silver with the equity to be applied from the bank card list safeguarded in advance Row card;
The determination unit is also used to the identification information according to each bank card from all bank cards, determines mesh Mark bank card;
Unit is established, applicant's account for holder's account and equity application instruction for the target bank card Transaction is established at family;
Transmission unit, for being sent to applicant's account to applying right benefit for described when detecting that transaction is completed.
Preferred embodiment according to the present invention, the determination unit is according to the identification information of each bank card from all silver In row card, determine that target bank card includes:
From all bank cards, obtain with the ownership equity bank to be vended for selling the equity mark to be applied Card;
Into ownership equity bank card to be vended, the holder of every equity bank card to be vended issues application respectively Request;
When detecting when receiving signal of the application request, by it is described receive the corresponding bank card of signal be determined as it is described Target bank card.
Preferred embodiment according to the present invention, the unit of establishing are specifically used for:
Online trading is established for holder's account and applicant's account;Or
The contact method of the holder is sent to the applicant, and the contact method of the applicant is sent to The holder, and off-line transaction prompt information is sent respectively to the holder and the applicant.
Preferred embodiment according to the present invention, the transmission unit detection transaction completion include:
When the online trading for monitoring holder's account and applicant's account is in completion status, determines and hand over It is readily accomplished;Or
When signal is completed in the transaction for receiving the transaction completion signal that the holder sends and applicant transmission When, determine that transaction is completed.
Preferred embodiment according to the present invention, described device further include:
Prompt unit, for the applicant in holder's account and equity application instruction for the target bank card When account establishes transaction, the applicant is prompted to pay preset cost;
Storage unit, for saving the preset cost;
Return unit, for returning to the preset cost to applicant's account when detecting that transaction is completed.
Preferred embodiment according to the present invention, described device further include:
Connection unit, for when receiving when handling bank card instruction of applicant's triggering, interface to be handled in connection.
Preferred embodiment according to the present invention, the acquiring unit are also used to obtain in the bank card list, every bank The transaction record of holder's account of card;
Described device further include:
Division unit, for carrying out grade classification according to holder account of the transaction record to every bank card.
A kind of electronic equipment, the electronic equipment include:
Memory stores at least one instruction;And
Processor executes the instruction stored in the memory to realize the equity data transfer device.
A kind of computer readable storage medium is stored at least one instruction, institute in the computer readable storage medium At least one instruction is stated to be executed by the processor in electronic equipment to realize the equity data transfer device.
As can be seen from the above technical solutions, the present invention can be when receiving equity application instruction, according to the equity Application instruction determines equity to be applied, from the bank card list safeguarded in advance, obtaining has all of the equity to be applied Bank card, and target bank card is determined from all bank cards according to the identification information of each bank card, to guarantee to trade Timeliness, further be holder's account of the target bank card and the equity application instruction applicant's account establish Transaction is sent to applicant's account to applying right benefit for described, and then guarantee both parties when detecting that transaction is completed Interests, while realizing the conversion of bank card equity, make user under the premise of not handling target bank card, can also enjoy The equity of the target bank card, it is convenient to provide the user, and promotes user experience.
Detailed description of the invention
Fig. 1 is the flow chart of the preferred embodiment of equity data transfer device of the present invention.
Fig. 2 is the functional block diagram of the preferred embodiment of equity data conversion device of the present invention.
Fig. 3 is the structural schematic diagram of the electronic equipment for the preferred embodiment that the present invention realizes equity data transfer device.
Main element symbol description
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, right in the following with reference to the drawings and specific embodiments The present invention is described in detail.
As shown in Figure 1, being the flow chart of the preferred embodiment of equity data transfer device of the present invention.According to different need It asks, the sequence of step can change in the flow chart, and certain steps can be omitted.
The equity data transfer device is applied in one or more electronic equipment, and the electronic equipment is a kind of energy It is enough according to the instruction for being previously set or store, the equipment of automatic progress numerical value calculating and/or information processing, hardware includes but not It is limited to microprocessor, specific integrated circuit (Application Specific Integrated Circuit, ASIC), can compiles Journey gate array (Field-Programmable Gate Array, FPGA), digital processing unit (Digital Signal Processor, DSP), embedded device etc..
The electronic equipment can be any electronic product that human-computer interaction can be carried out with user, for example, personal meter Calculation machine, tablet computer, smart phone, personal digital assistant (Personal Digital Assistant, PDA), game machine, friendship Mutual formula Web TV (Internet Protocol Television, IPTV), intellectual wearable device etc..
The electronic equipment can also include the network equipment and/or user equipment.Wherein, the network equipment includes, but It is not limited to single network server, the server group of multiple network servers composition or based on cloud computing (Cloud Computing the cloud being made of a large amount of hosts or network server).
Network locating for the electronic equipment include but is not limited to internet, wide area network, Metropolitan Area Network (MAN), local area network, it is virtual specially With network (Virtual Private Network, VPN) etc..
S10 determines equity to be applied according to equity application instruction when receiving equity application instruction.
Currently, there are many kinds of the bank cards to circulate in the market, such as: debit card, credit card etc..In view of being by different silver Row distribution, therefore the preferential equity of bank card is also different, user can only use the corresponding preferential equity of bank card of oneself, And the equity and preferential that other people bank card cannot be used to provide, user unlikely in order to obtain corresponding preferential equity, And all bank cards are handled, this is in general and infeasible.
But in use, the corresponding preferential equity of the bank card of user oneself is likely to user and does not need , and the corresponding preferential equity of other people bank card is just then that user needs, and in response to this, then can not effectively be solved Certainly, user experience is influenced.
In at least one embodiment of the present invention, the electronic equipment, which receives equity application and instructs, includes, but unlimited In the combination of following one or more kinds of situations:
(1) electronic equipment detects touch operation of the applicant of the equity application instruction to configuration key.
Specifically, the configuration key includes physical button and virtual key etc..The configuration key can be made by oneself Justice configuration, the present invention do not limit.
Further, the touch operation may include, but be not limited to the combination of following one or more:
Clicking operation (such as: double click operation, single-click operation), slide (such as: left sliding operation, right sliding operation).
Such as: the electronic equipment can be in the display interface that every bank card configures a virtual icon, when described When electronic equipment is detected to the virtual graph target clicking operation, the electronic equipment, which can determine, receives the applicant The equity application of triggering instructs.
Wherein, clicking operation can be the operation by mouse, is also possible to manually operate, can also be and pass through electronics The operation of pen, the present invention also do not limit.
(2) electronic equipment receives the configuration phonetic order of applicant's input.
Specifically, the electronic equipment can configure phonetic order described in typing in advance, such as: the configuration phonetic order It may include " application 8 folding of film is preferential " etc..
Further, when the electronic equipment has detected that user inputs voice, determine that the voice of input is matched with described Set whether phonetic order matches, when the voice of the input and the configuration phonetic order successful match, the electronic equipment Determine the equity application instruction for receiving applicant's triggering.
In at least one embodiment of the present invention, the equity to be applied may include all banks circulated on the market Block the equity having, such as: discount, discount of video of film ticket etc..
In at least one embodiment of the present invention, correspond to different types of equity application to instruct, the electronic equipment Determine that the mode of the equity to be applied is also different.
Specifically, the electronic equipment according to equity application instruction determine equity to be applied include, but are not limited to The combination of lower one or more situation:
(1) when equity application instruction is that the electronic equipment detects the applicant of equity application instruction to matching When setting the touch operation of key, the corresponding equity of the configuration key is obtained, as the equity to be applied.
(2) when equity application instruction is the configuration phonetic order that the electronic equipment receives applicant's input When, the electronic equipment identifies the configuration phonetic order, with the corresponding equity of the determination configuration phonetic order, makees For the equity to be applied.
S11 obtains all bank cards with the equity to be applied from the bank card list safeguarded in advance.
In at least one embodiment of the present invention, bank card information, the bank are store in the bank card list Card information includes, but are not limited to the combination of following one or more:
Bank card equity, the holder of bank card, the publisher of bank card, contact method of holder of bank card etc..
Specifically, from the bank card list safeguarded in advance, all bank cards with the equity to be applied are obtained Before, the method also includes:
The electronic equipment safeguards the bank card list.
Specifically, the electronic equipment can connect the server of each bank every prefixed time interval, and from each The bank card information of each bank is obtained in server respectively, and institute is safeguarded according to the bank card information of each bank got State bank card list.
In addition, the electronic equipment can also receive the bank card information of any user's input, and the bank that will be received Card information is safeguarded to the bank card list.
Pass through above embodiment, it is ensured that the covering surface of the bank card list more comprehensively, specifically, and then provides More equity.
In at least one embodiment of the present invention, due to store bank card equity in the bank card list, The electronic equipment matches the equity to be applied with the bank card information in the bank card list, can get All bank cards with the equity to be applied.
S12 determines target bank card according to the identification information of each bank card from all bank cards.
In at least one embodiment of the present invention, the target bank card, which refers to, is supplied to institute for the equity to be applied State the bank card of applicant.
In at least one embodiment of the present invention, the identification information according to each bank card is from all banks In card, determine that target bank card includes:
The electronic equipment is obtained from all bank cards with the ownership for selling the equity mark to be applied Benefit bank card to be vended, further, into ownership equity bank card to be vended, every equity waits for out the electronic equipment The holder for selling bank card issues application request respectively, when detecting when receiving signal of the application request, by the receiving The corresponding bank card of signal is determined as the target bank card.
Specifically, the mark of equity to be applied described in the sale may include, but be not limited to following one or more Combination:
Additional character (such as: $), words identification (such as: to be vended).
Such as: when the electronic equipment is from all bank cards, getting equity bank card to be vended includes silver Row card A, bank card B and when bank card C, the electronic equipment is respectively to the holder of the bank card A, the bank card B The holder of holder and the bank card C issue application request, when the holder for detecting the bank card A receive it is described Application request, and have issued when receiving signal, the bank card A is determined as the target bank card by the electronic equipment.
By above embodiment, the electronic equipment is determined as the target for the bank card for receiving signal is issued at first Bank card can be improved response efficiency, and the applicant is avoided to pay the excessive waiting time, to bring preferably to user Experience.
Certainly, in other embodiments, the electronic equipment can also take other modes to determine the target bank Card, the present invention is with no restrictions.
Such as: the credit information of the holder of the available all bank cards of electronic equipment, and priority match The bank card of the high holder of credit rating as the target bank card, thus guarantee transaction it is safer, to both parties with Carry out guarantee of preferably trading.
S13 is that holder's account of the target bank card and applicant's account of equity application instruction are established and handed over Easily.
In at least one embodiment of the present invention, the equity to be applied needs the holder first to buy, then is given to The applicant needs to pay certain amount of money in view of the holder, therefore, in order to guarantee that the holder does not have money Loss, while guaranteeing that the applicant gets the validity of the equity to be applied, the electronic equipment is the target silver Holder's account of row card and applicant's account of equity application instruction establish transaction.
Specifically, the electronic equipment is holder's account of the target bank card and the Shen of equity application instruction Please person's account establish transaction include:
(1) electronic equipment is that holder's account and applicant's account establish online trading.
By above embodiment, the electronic equipment can monitor holder's account and applicant's account in real time The transaction flow at family further ensures the safety of transaction.
(2) contact method of the holder is sent to the applicant by the electronic equipment, and by the applicant Contact method be sent to the holder, and send off-line transaction prompt letter respectively to the holder and the applicant Breath.
Specifically, the off-line transaction prompt information may include text information, such as " please according to the contact method of offer into Row off-line transaction, and transaction results are returned in time, it thanks!" etc..
By above embodiment, when the holder and the applicant are inconvenient to carry out online trading, the electricity Sub- equipment may be that the holder and the applicant provide the contact method of both sides, and prompt the holder and described Applicant carries out off-line transaction, to guarantee being normally carried out for transaction.
Certainly, in other embodiments, the contact method of the holder can also be first sent to by the electronic equipment The applicant, while the contact method of the applicant is sent to the holder, common recognition of concluding the transaction under both sides are online Afterwards, then directly online trading is carried out, the present invention does not limit.
S14 is sent to applicant's account to applying right benefit for described when detecting that transaction is completed.
In at least one embodiment of the present invention, in order to strive for the effective progress for guaranteeing both sides' transaction to the greatest extent, The electronic equipment detects whether transaction is completed first.
Specifically, electronic equipment detection transaction complete include:
(1) when the online trading that the electronic equipment monitors holder's account and applicant's account has been in When at state, determine that transaction is completed.
By above embodiment, the electronic equipment can be by monitoring online trading state in real time, to determine transaction Whether complete, to ensure that high actual effect.
(2) when the electronic equipment receives, signal is completed in the transaction that the holder sends and the applicant sends Transaction complete signal when, determine transaction complete.
By above embodiment, although monitoring the transaction flow less than the holder and the applicant, lead to It crosses and detects the holder and whether the applicant is all transmitted across transaction and completes signal, under the premise of dual guarantee, determine Whether transaction is completed, and can likewise ensure that safety.
In at least one embodiment of the present invention, for the target bank card holder's account and the equity Shen When the applicant's account that please be instructed establishes transaction, the method also includes:
Applicant described in the electronic device prompts pays preset cost, and saves the preset cost, hands over when detecting When being readily accomplished, the preset cost is returned to applicant's account.
Specifically, the preset cost can be that the amount of money that the equity to be applied is paid is consistent with the holder, It can be the value of a configuration, the present invention does not limit.
Further, the preset cost is equivalent to cash pledge, when the electronic equipment determines that both sides' transaction is completed, will return The preset cost is returned to applicant's account.
It can be described to avoid the holder after applying for equity payment expense by above embodiment, the Shen Please person promise breaking the case where.
Preferably, the method also includes:
When the electronic equipment receives when handling bank card instruction of applicant's triggering, interface is handled in connection.
It is understood that user is during browsing bank card equity, it is more likely that due to the power to certain bank card Benefit is interested and generates and handles intention, at this point, the electronic equipment can be directly connected to and handle interface, to facilitate the user Direct on-line processing.
Preferably, the method also includes:
The electronic equipment obtains in the bank card list, the transaction record of holder's account of every bank card, and Grade classification is carried out according to holder account of the transaction record to every bank card.
It specifically, include application equity record and equity record etc. of accepting applications in the transaction record.
By above embodiment, the electronic equipment, can be to the credit of each holder after carrying out grade classification Degree and liveness are evaluated.
Specifically, by the displaying of credit rating, user can be allowed to feel more relieved transaction;Pass through the evaluation of liveness, institute The preferential policy that electronic equipment can be different for the user configuration with different liveness is stated, to improve the use of user actively Property.
As can be seen from the above technical solutions, the present invention can be when receiving equity application instruction, according to the equity Application instruction determines equity to be applied, from the bank card list safeguarded in advance, obtaining has all of the equity to be applied Bank card, and target bank card is determined from all bank cards according to the identification information of each bank card, to guarantee to trade Timeliness, further be holder's account of the target bank card and the equity application instruction applicant's account establish Transaction is sent to applicant's account to applying right benefit for described, and then guarantee both parties when detecting that transaction is completed Interests, while realizing the conversion of bank card equity, make user under the premise of not handling target bank card, can also enjoy The equity of the target bank card, it is convenient to provide the user, and promotes user experience.
As shown in Fig. 2, being the functional block diagram of the preferred embodiment of equity data conversion device of the present invention.The equity number According to conversion equipment 11 include determination unit 110, acquiring unit 111, establish unit 112, transmission unit 113, prompt unit 114, Storage unit 115, return unit 116, connection unit 117, division unit 118 and maintenance unit 119.The so-called mould of the present invention Block/unit refers to that one kind can be performed by processor 13, and can complete the series of computation machine program segment of fixed function, It is stored in memory 12.In the present embodiment, it will be described in detail in subsequent embodiment about the function of each module/unit.
When receiving equity application instruction, determination unit 110 determines equity to be applied according to equity application instruction.
Currently, there are many kinds of the bank cards to circulate in the market, such as: debit card, credit card etc..In view of being by different silver Row distribution, therefore the preferential equity of bank card is also different, user can only use the corresponding preferential equity of bank card of oneself, And the equity and preferential that other people bank card cannot be used to provide, user unlikely in order to obtain corresponding preferential equity, And all bank cards are handled, this is in general and infeasible.
But in use, the corresponding preferential equity of the bank card of user oneself is likely to user and does not need , and the corresponding preferential equity of other people bank card is just then that user needs, and in response to this, then can not effectively be solved Certainly, user experience is influenced.
In at least one embodiment of the present invention, the determination unit 110, which receives equity application and instructs, includes, but not It is limited to the combination of following one or more kinds of situations:
(1) determination unit 110 detects touch operation of the applicant of the equity application instruction to configuration key.
Specifically, the configuration key includes physical button and virtual key etc..The configuration key can be made by oneself Justice configuration, the present invention do not limit.
Further, the touch operation may include, but be not limited to the combination of following one or more:
Clicking operation (such as: double click operation, single-click operation), slide (such as: left sliding operation, right sliding operation).
Such as: the determination unit 110 can be in the display interface that every bank card configures a virtual icon, when When the determination unit 110 is detected to the virtual graph target clicking operation, the determination unit 110 can determine and receive The equity application instruction of applicant's triggering.
Wherein, clicking operation can be the operation by mouse, is also possible to manually operate, can also be and pass through electronics The operation of pen, the present invention also do not limit.
(2) determination unit 110 receives the configuration phonetic order of applicant's input.
Specifically, the determination unit 110 can configure phonetic order described in typing in advance, such as: the configuration voice Instruction may include " application 8 folding of film is preferential " etc..
Further, when the determination unit 110 detected user input voice when, determine input voice with it is described Whether configuration phonetic order matches, described determining single when the voice of the input and the configuration phonetic order successful match Member 110 determines the equity application instruction for receiving applicant's triggering.
In at least one embodiment of the present invention, the equity to be applied may include all banks circulated on the market Block the equity having, such as: discount, discount of video of film ticket etc..
In at least one embodiment of the present invention, correspond to different types of equity application to instruct, the determination unit 110 determine that the mode of the equity to be applied is also different.
Specifically, the determination unit 110 determines that equity to be applied includes, but are not limited to according to equity application instruction The combination of following one or more situation:
(1) when equity application instruction is the applicant that the determination unit 110 detects the equity application instruction When to the touch operation for configuring key, the corresponding equity of the configuration key is obtained, as the equity to be applied.
(2) when equity application instruction is the configuration voice that the determination unit 110 receives applicant's input When instruction, the determination unit 110 identifies the configuration phonetic order, corresponding with the determination configuration phonetic order Equity, as the equity to be applied.
From the bank card list safeguarded in advance, acquiring unit 111 obtains all banks with the equity to be applied Card.
In at least one embodiment of the present invention, bank card information, the bank are store in the bank card list Card information includes, but are not limited to the combination of following one or more:
Bank card equity, the holder of bank card, the publisher of bank card, bank card holder contact method.
Specifically, from the bank card list safeguarded in advance, the acquiring unit 111 is obtained with described to applying right Before all bank cards of benefit, the method also includes:
Maintenance unit 119 safeguards the bank card list.
Specifically, the acquiring unit 111 can connect the server of each bank every prefixed time interval, and from The bank card information of each bank is obtained in each server respectively, the maintenance unit 119 is according to each bank got Bank card information safeguard the bank card list.
In addition, the maintenance unit 119 can also receive the bank card information of any user's input, and the silver that will be received Row card information is safeguarded to the bank card list.
Pass through above embodiment, it is ensured that the covering surface of the bank card list more comprehensively, specifically, and then provides More equity.
In at least one embodiment of the present invention, due to store bank card equity in the bank card list, The acquiring unit 111 matches the equity to be applied with the bank card information in the bank card list, can obtain Get all bank cards with the equity to be applied.
The determination unit 110 from all bank cards, determines target silver according to the identification information of each bank card Row card.
In at least one embodiment of the present invention, the target bank card, which refers to, is supplied to institute for the equity to be applied State the bank card of applicant.
In at least one embodiment of the present invention, the determination unit 110 according to the identification information of each bank card from In all bank cards, determine that target bank card includes:
The determination unit 110 is obtained from all bank cards with the institute for selling the equity mark to be applied There is equity bank card to be vended, further, the determination unit 110 is into ownership equity bank card to be vended, and every The holder of equity bank card to be vended issues application request respectively, will when detecting when receiving signal of the application request The corresponding bank card of signal that receives is determined as the target bank card.
Specifically, the mark of equity to be applied described in the sale may include, but be not limited to following one or more Combination:
Additional character (such as: $), words identification (such as: to be vended).
Such as: when the determination unit 110 is from all bank cards, getting equity bank card to be vended includes When bank card A, bank card B and bank card C, the determination unit 110 holder to the bank card A, the bank respectively The holder of the holder and the bank card C that block B issue application request, when the holder's receiving for detecting the bank card A The application request, and have issued when receiving signal, the bank card A is determined as the target by the determination unit 110 Bank card.
By above embodiment, the determination unit 110 will issue at first receive signal bank card be determined as it is described Target bank card, can be improved response efficiency, and the applicant is avoided to pay the excessive waiting time, to bring more to user Good experience.
Certainly, in other embodiments, the determination unit 110 can also take other modes to determine the target silver Row card, the present invention is with no restrictions.
Such as: the credit information of the holder of the available all bank cards of determination unit 110, and preferential Bank card with the high holder of credit rating, to guarantee that transaction is safer, gives both parties as the target bank card Preferably transaction is brought to ensure.
Establish applicant's account of holder's account and equity application instruction that unit 112 is the target bank card Establish transaction.
In at least one embodiment of the present invention, the equity to be applied needs the holder first to buy, then is given to The applicant needs to pay certain amount of money in view of the holder, therefore, in order to guarantee that the holder does not have money Loss, while guaranteeing that the applicant gets the validity of the equity to be applied, the unit 112 of establishing is the target Holder's account of bank card and applicant's account of equity application instruction establish transaction.
Specifically, described to establish the holder's account and equity application instruction that unit 112 is the target bank card Applicant's account establish transaction include:
(1) unit 112 of establishing is that holder's account and applicant's account establish online trading.
By above embodiment, the unit 112 of establishing can monitor holder's account and the application in real time The transaction flow of person's account further ensures the safety of transaction.
(2) described to establish unit 112 contact method of the holder is sent to the applicant, and by the application The contact method of person is sent to the holder, and sends off-line transaction prompt letter respectively to the holder and the applicant Breath.
Specifically, the off-line transaction prompt information may include text information, such as " please according to the contact method of offer into Row off-line transaction, and transaction results are returned in time, it thanks!" etc..
It is described to build when the holder and the applicant are inconvenient to carry out online trading by above embodiment Vertical unit 112 or the holder and the applicant provide the contact method of both sides, and prompt the holder and The applicant carries out off-line transaction, to guarantee being normally carried out for transaction.
Certainly, in other embodiments, the unit 112 of establishing can also first send the contact method of the holder It is sent to the holder to the applicant, while by the contact method of the applicant, is concluded the transaction under both sides are online altogether After knowledge, then online trading is directly carried out, the present invention does not limit.
When detecting that transaction is completed, transmission unit 113 is sent to applicant's account to applying right benefit for described.
In at least one embodiment of the present invention, in order to strive for the effective progress for guaranteeing both sides' transaction to the greatest extent, The transmission unit 113 detects whether transaction is completed first.
Specifically, the transmission unit 113 detection transaction complete include:
(1) at the online trading that the transmission unit 113 monitors holder's account and applicant's account When completion status, determine that transaction is completed.
By above embodiment, the transmission unit 113 can be handed over by monitoring online trading state in real time with determining Easily whether complete, to ensure that high actual effect.
(2) signal and applicant hair are completed when the transmission unit 113 receives the transaction that the holder sends When signal is completed in the transaction sent, determine that transaction is completed.
By above embodiment, although the monitoring of the transmission unit 113 is less than the holder and the applicant Transaction flow, still, by detecting whether the holder and the applicant are all transmitted across transaction and complete signal, in dual guarantor It under the premise of card, determines whether transaction is completed, can likewise ensure that safety.
In at least one embodiment of the present invention, the unit 112 of establishing is in the holder for the target bank card When account and applicant's account of equity application instruction establish transaction, the method also includes:
Prompt unit 114 prompts the applicant to pay preset cost, and further, storage unit 115 saves described pre- If the amount of money, when detecting that transaction is completed, return unit 116 returns to the preset cost to applicant's account.
Specifically, the preset cost can be that the amount of money that the equity to be applied is paid is consistent with the holder, It can be the value of a configuration, the present invention does not limit.
Further, the preset cost is equivalent to cash pledge, when the transmission unit 113 determines that both sides' transaction is completed, The preset cost will be returned to applicant's account.
It can be described to avoid the holder after applying for equity payment expense by above embodiment, the Shen Please person promise breaking the case where.
Preferably, the method also includes:
When receiving when handling bank card instruction of applicant's triggering, interface is handled in the connection of connection unit 117.
It is understood that user is during browsing bank card equity, it is more likely that due to the power to certain bank card Benefit is interested and generates and handles intention, at this point, the connection unit 117 can be directly connected to and handle interface, it is described to facilitate The direct on-line processing of user.
Preferably, the method also includes:
The acquiring unit 111 obtains in the bank card list, the transaction record of holder's account of every bank card, Further, division unit 118 carries out grade classification according to holder account of the transaction record to every bank card.
It specifically, include application equity record and equity record etc. of accepting applications in the transaction record.
By above embodiment, the division unit 118, can be to the letter of each holder after carrying out grade classification Expenditure and liveness are evaluated.
Specifically, by the displaying of credit rating, user can be allowed to feel more relieved transaction;Pass through the evaluation of liveness, energy Enough preferential policies different for the user configuration with different liveness, to improve the use enthusiasm of user.
As can be seen from the above technical solutions, the present invention can be when receiving equity application instruction, according to the equity Application instruction determines equity to be applied, from the bank card list safeguarded in advance, obtaining has all of the equity to be applied Bank card, and target bank card is determined from all bank cards according to the identification information of each bank card, to guarantee to trade Timeliness, further be holder's account of the target bank card and the equity application instruction applicant's account establish Transaction is sent to applicant's account to applying right benefit for described, and then guarantee both parties when detecting that transaction is completed Interests, while realizing the conversion of bank card equity, make user under the premise of not handling target bank card, can also enjoy The equity of the target bank card, it is convenient to provide the user, and promotes user experience.
As shown in figure 3, being that the present invention realizes that the structure of electronic equipment of the preferred embodiment of equity data transfer device is shown It is intended to.
The electronic equipment 1 be it is a kind of can according to the instruction for being previously set or store, automatic progress numerical value calculating and/or The equipment of information processing, hardware include but is not limited to microprocessor, specific integrated circuit (Application Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), number Word processing device (Digital Signal Processor, DSP), embedded device etc..
The electronic equipment 1, which can also be but not limited to any one, to pass through keyboard, mouse, remote controler, touching with user The modes such as template or voice-operated device carry out the electronic product of human-computer interaction, for example, personal computer, tablet computer, smart phone, Personal digital assistant (Personal Digital Assistant, PDA), game machine, Interactive Internet TV (Internet Protocol Television, IPTV), intellectual wearable device etc..
The electronic equipment 1 can also be that the calculating such as desktop PC, notebook, palm PC and cloud server are set It is standby.
Network locating for the electronic equipment 1 include but is not limited to internet, wide area network, Metropolitan Area Network (MAN), local area network, it is virtual specially With network (Virtual Private Network, VPN) etc..
In one embodiment of the invention, the electronic equipment 1 includes, but are not limited to memory 12, processor 13, And it is stored in the computer program that can be run in the memory 12 and on the processor 13, such as equity data conversion Program.
It will be understood by those skilled in the art that the schematic diagram is only the example of electronic equipment 1, not structure paired electrons The restriction of equipment 1 may include perhaps combining certain components or different components, example than illustrating more or fewer components Such as described electronic equipment 1 can also include input-output equipment, network access equipment, bus.
The processor 13 can be central processing unit (Central Processing Unit, CPU), can also be Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field- Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic, Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor Deng the processor 13 is arithmetic core and the control centre of the electronic equipment 1, entire using various interfaces and connection The various pieces of electronic equipment 1, and execute the operating system of the electronic equipment 1 and types of applications program, the program of installation Code etc..
The processor 13 executes the operating system of the electronic equipment 1 and the types of applications program of installation.The place Reason device 13 executes the application program to realize the step in above-mentioned each equity data transfer device embodiment, such as Fig. 1 institute Step S10, S11, S12, S13, the S14 shown.
Alternatively, the processor 13 realizes each module in above-mentioned each Installation practice/mono- when executing the computer program The function of member, such as: when receiving equity application instruction, equity to be applied is determined according to equity application instruction;From pre- In the bank card list first safeguarded, all bank cards with the equity to be applied are obtained;According to the mark of each bank card Information determines target bank card from all bank cards;For the holder's account and the equity of the target bank card Applicant's account of application instruction establishes transaction;When detecting that transaction is completed, the Shen is sent to applying right benefit by described It please person's account.
Illustratively, the computer program can be divided into one or more module/units, one or more A module/unit is stored in the memory 12, and is executed by the processor 13, to complete the present invention.It is one Or multiple module/units can be the series of computation machine program instruction section that can complete specific function, the instruction segment is for retouching State implementation procedure of the computer program in the electronic equipment 1.For example, the computer program can be divided into really Order member 110, acquiring unit 111 establish unit 112, transmission unit 113, prompt unit 114, storage unit 115, return to list Member 116, connection unit 117, division unit 118 and maintenance unit 119.
The memory 12 can be used for storing the computer program and/or module, the processor 13 by operation or The computer program and/or module being stored in the memory 12 are executed, and calls the data being stored in memory 12, Realize the various functions of the electronic equipment 1.The memory 12 can mainly include storing program area and storage data area, In, storing program area can application program needed for storage program area, at least one function (such as sound-playing function, image Playing function etc.) etc.;Storage data area, which can be stored, uses created data (such as audio data, phone directory according to mobile phone Deng) etc..In addition, memory 12 may include high-speed random access memory, it can also include nonvolatile memory, such as firmly Disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) block, flash card (Flash Card), at least one disk memory, flush memory device or other volatile solid-states Part.
The memory 12 can be the external memory and/or internal storage of electronic equipment 1.Further, described Memory 12 can be the circuit with store function for not having physical form in integrated circuit, such as RAM (Random-Access Memory, random access memory), FIFO (First In First Out) etc..Alternatively, the memory 12 is also possible to Memory with physical form, such as memory bar, TF card (Trans-flash Card).
If the integrated module/unit of the electronic equipment 1 is realized in the form of SFU software functional unit and as independent Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention is real All or part of the process in existing above-described embodiment method, can also instruct relevant hardware come complete by computer program At the computer program can be stored in a computer readable storage medium, which is being executed by processor When, it can be achieved that the step of above-mentioned each embodiment of the method.
Wherein, the computer program includes computer program code, and the computer program code can be source code Form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: can Carry any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, computer of the computer program code Memory, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium The content for including can carry out increase and decrease appropriate according to the requirement made laws in jurisdiction with patent practice, such as in certain departments Method administrative area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.
In conjunction with Fig. 1, the memory 12 in the electronic equipment 1 stores multiple instruction to realize that a kind of equity data turn Method is changed, the multiple instruction can be performed to realize in the processor 13: when receiving equity application instruction, according to described Equity application instruction determines equity to be applied;From the bank card list safeguarded in advance, obtaining has the equity to be applied All bank cards;According to the identification information of each bank card from all bank cards, target bank card is determined;For the mesh Applicant's account of the holder's account and equity application instruction of marking bank card establishes transaction;It is completed when detecting to trade When, applicant's account is sent to applying right benefit by described.
Preferred embodiment according to the present invention, the processor 13 execute multiple instruction and include:
From all bank cards, obtain with the ownership equity bank to be vended for selling the equity mark to be applied Card;
Into ownership equity bank card to be vended, the holder of every equity bank card to be vended issues application respectively Request;
When detecting when receiving signal of the application request, by it is described receive the corresponding bank card of signal be determined as it is described Target bank card.
Preferred embodiment according to the present invention, the processor 13 also execute multiple instruction and include:
Online trading is established for holder's account and applicant's account;Or
The contact method of the holder is sent to the applicant, and the contact method of the applicant is sent to The holder, and off-line transaction prompt information is sent respectively to the holder and the applicant.
Preferred embodiment according to the present invention, the processor 13 also execute multiple instruction and include:
When the online trading for monitoring holder's account and applicant's account is in completion status, determines and hand over It is readily accomplished;Or
When signal is completed in the transaction for receiving the transaction completion signal that the holder sends and applicant transmission When, determine that transaction is completed.
Preferred embodiment according to the present invention, the processor 13 also execute multiple instruction and include:
The applicant is prompted to pay preset cost;
Save the preset cost;
When detecting that transaction is completed, the preset cost is returned to applicant's account.
Preferred embodiment according to the present invention, the processor 13 also execute multiple instruction and include:
When receiving when handling bank card instruction of applicant's triggering, interface is handled in connection.
Preferred embodiment according to the present invention, the processor 13 also execute multiple instruction and include:
It obtains in the bank card list, the transaction record of holder's account of every bank card;
Grade classification is carried out according to holder account of the transaction record to every bank card.
Specifically, the processor 13 can refer to the concrete methods of realizing of above-metioned instruction related in Fig. 1 corresponding embodiment The description of step, this will not be repeated here.
In several embodiments provided by the present invention, it should be understood that disclosed system, device and method can be with It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the module It divides, only a kind of logical function partition, there may be another division manner in actual implementation.
The module as illustrated by the separation member may or may not be physically separated, aobvious as module The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.Some or all of the modules therein can be selected to realize the mesh of this embodiment scheme according to the actual needs 's.
It, can also be in addition, each functional module in each embodiment of the present invention can integrate in one processing unit It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list Member both can take the form of hardware realization, can also realize in the form of hardware adds software function module.
It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.
Therefore, in all respects, the present embodiments are to be considered as illustrative and not restrictive, this The range of invention is indicated by the appended claims rather than the foregoing description, it is intended that the equivalent requirements of the claims will be fallen in All changes in meaning and scope are included in the present invention.Any attached associated diagram label in claim should not be considered as limit Claim involved in making.
Furthermore, it is to be understood that one word of " comprising " does not exclude other units or steps, odd number is not excluded for plural number.In system claims The multiple units or device of statement can also be implemented through software or hardware by a unit or device.Second equal words are used It indicates title, and does not indicate any particular order.
Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention Technical solution is modified or equivalent replacement, without departing from the spirit and scope of the technical solution of the present invention.

Claims (10)

1. a kind of equity data transfer device, which is characterized in that the described method includes:
When receiving equity application instruction, equity to be applied is determined according to equity application instruction;
From the bank card list safeguarded in advance, all bank cards with the equity to be applied are obtained;
According to the identification information of each bank card from all bank cards, target bank card is determined;
The applicant's account instructed for holder's account of the target bank card and the equity application establishes transaction;
When detecting that transaction is completed, applicant's account is sent to applying right benefit by described.
2. equity data transfer device as described in claim 1, which is characterized in that described to be believed according to the mark of each bank card Breath determines that target bank card includes: from all bank cards
From all bank cards, obtain with the ownership equity bank card to be vended for selling the equity mark to be applied;
Into ownership equity bank card to be vended, the holder of every equity bank card to be vended issues respectively to be asked It asks;
When detecting when receiving signal of the application request, the corresponding bank card of signal that receives is determined as the target Bank card.
3. equity data transfer device as described in claim 1, which is characterized in that the holding for the target bank card Person's account and applicant's account of equity application instruction establish transaction and include:
Online trading is established for holder's account and applicant's account;Or
The contact method of the holder is sent to the applicant, and the contact method of the applicant is sent to described Holder, and off-line transaction prompt information is sent respectively to the holder and the applicant.
4. equity data transfer device as claimed in claim 3, which is characterized in that detecting transaction completion includes:
When the online trading for monitoring holder's account and applicant's account is in completion status, determination has been traded At;Or
When receiving the transaction completion signal that the holder sends and the transaction that the applicant sends completes signal, really Fixed transaction is completed.
5. equity data transfer device as described in claim 1, which is characterized in that in the holder for the target bank card When account and applicant's account of equity application instruction establish transaction, the method also includes:
The applicant is prompted to pay preset cost;
Save the preset cost;
When detecting that transaction is completed, the preset cost is returned to applicant's account.
6. equity data transfer device as described in claim 1, which is characterized in that the method also includes:
When receiving when handling bank card instruction of applicant's triggering, interface is handled in connection.
7. equity data transfer device as described in claim 1, which is characterized in that the method also includes:
It obtains in the bank card list, the transaction record of holder's account of every bank card;
Grade classification is carried out according to holder account of the transaction record to every bank card.
8. a kind of equity data conversion device, which is characterized in that described device includes:
Determination unit, for determining equity to be applied according to equity application instruction when receiving equity application instruction;
Acquiring unit, for obtaining all bank cards with the equity to be applied from the bank card list safeguarded in advance;
The determination unit is also used to the identification information according to each bank card from all bank cards, determines target silver Row card;
Unit is established, applicant's account for holder's account and equity application instruction for the target bank card is built Grade separation is easy;
Transmission unit, for being sent to applicant's account to applying right benefit for described when detecting that transaction is completed.
9. a kind of electronic equipment, which is characterized in that the electronic equipment includes:
Memory stores at least one instruction;And
Processor executes the instruction stored in the memory to realize equity as claimed in any of claims 1 to 7 in one of claims Data transfer device.
10. a kind of computer readable storage medium, it is characterised in that: be stored at least one in the computer readable storage medium A instruction, at least one described instruction are executed by the processor in electronic equipment to realize such as any one of claim 1 to 7 The equity data transfer device.
CN201910305596.9A 2019-04-16 2019-04-16 Equity data transfer device, device, electronic equipment and storage medium Pending CN110197392A (en)

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Application publication date: 20190903