CN115526627A - A wallet-related information processing method and device - Google Patents

Abstract

The invention provides a wallet related information processing method and device, relates to the technical field of data processing, and can be used in the financial field or other technical fields. The method comprises the following steps: displaying merchant information in the process that a user uses the first APP; the merchant information comprises commodity related information provided by a merchant with a wallet payment function opened in advance; the first APP is a mobile banking APP; responding to a trigger action of a first target merchant with a sub-wallet function to be opened, which is selected by the user according to the merchant information, and establishing a mapping relation between a parent wallet pre-registered by the user and a first target sub-wallet corresponding to the first target merchant; and responding to a trigger action of the user for confirming the mapping relation, and storing the mapping relation and the first target merchant information. The device performs the above method. The method and the device provided by the embodiment of the invention can simplify the operation process of using the wallet by the user and facilitate the use of the wallet by the user.

Description

A wallet-related information processing method and device

technical field

The invention relates to the technical field of data processing, in particular to a wallet-related information processing method and device.

Background technique

Before the user pays at the merchant terminal, the user needs to bind the digital wallet on the merchant APP or merchant webpage, which is cumbersome and inconvenient to use.

Contents of the invention

Aiming at the problems in the prior art, embodiments of the present invention provide a method and device for processing wallet-related information, which can at least partly solve the problems in the prior art.

On the one hand, the present invention proposes a wallet-related information processing method, including:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

Wherein, the wallet-related information processing method also includes:

Responding to the payment request triggered by the user while the user is using the second APP, acquiring a second target sub-wallet corresponding to the second target merchant of the second APP; the second APP is a merchant APP;

A parent wallet corresponding to the user associated with the second target sub-wallet is determined according to the mapping relationship, and payment is made through the parent wallet.

Wherein, the wallet-related information processing method also includes:

Configure the first target sub-wallet information in the mapping relationship.

Wherein, the configuration of the first target sub-wallet information in the mapping relationship includes:

Set payment limits, view transaction records, and remove transaction records.

On the one hand, the present invention proposes a wallet-related information processing device, including:

The display unit is used to display merchant information during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

The establishment unit is used to respond to the triggering action of the first target merchant selected by the user according to the merchant information to activate the sub-wallet function, and establish the first target corresponding to the first target merchant registered by the user in advance. The mapping relationship between sub-wallets;

A saving unit, configured to save the mapping relationship and the first target merchant information in response to the trigger action of the user confirming the mapping relationship.

Wherein, the wallet-related information processing device is also used for:

Responding to the payment request triggered by the user while the user is using the second APP, acquiring a second target sub-wallet corresponding to the second target merchant of the second APP; the second APP is a merchant APP;

A parent wallet corresponding to the user associated with the second target sub-wallet is determined according to the mapping relationship, and payment is made through the parent wallet.

Wherein, the wallet-related information processing device is also used for:

Configure the first target sub-wallet information in the mapping relationship.

Wherein, the wallet-related information processing device is also specifically used for:

Set payment limits, view transaction records, and remove transaction records.

In another aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a computer program stored on the memory and operable on the processor, and the processor implements the following method when executing the computer program:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

An embodiment of the present invention provides a computer-readable storage medium, including:

The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following method is implemented:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

The embodiment of the present invention also provides a computer program product, the computer program product includes a computer program, and when the computer program is executed by a processor, the following method is implemented:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

The wallet-related information processing method and device provided by the embodiments of the present invention display merchant information during the user's use of the first APP; the merchant information includes product-related information provided by merchants who have opened the wallet payment function in advance; the first APP It is a mobile banking APP; in response to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish the corresponding first target of the user’s pre-registered parent wallet and the first target merchant The mapping relationship between the sub-wallets; in response to the user confirming the triggering action of the mapping relationship, saving the mapping relationship and the first target business information can simplify the operation process of the user using the wallet and facilitate the user to use the wallet.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without creative work. In the attached picture:

FIG. 1 is a schematic flowchart of a method for processing wallet-related information provided by an embodiment of the present invention.

Fig. 2 is a schematic flowchart of a method for processing wallet-related information provided by another embodiment of the present invention.

FIG. 3 is a schematic structural diagram of a module for processing wallet-related information provided by an embodiment of the present invention.

Fig. 4 is a schematic structural diagram of a wallet-related information processing device provided by an embodiment of the present invention.

FIG. 5 is a schematic diagram of the physical structure of a computer device provided by an embodiment of the present invention.

detailed description

In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined arbitrarily with each other.

Fig. 1 is a schematic flowchart of a method for processing wallet-related information provided by an embodiment of the present invention. As shown in Fig. 1 , the method for processing wallet-related information provided by an embodiment of the present invention includes:

Step S1: Display merchant information when the user is using the first APP; the merchant information includes product-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP.

Step S2: In response to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish the first target sub-wallet corresponding to the user's pre-registered master wallet and the first target merchant mapping relationship between them.

Step S3: Responding to the trigger action of the user confirming the mapping relationship, saving the mapping relationship and the information of the first target merchant.

In the above step S1, the device displays merchant information during the user's use of the first APP; the merchant information includes product-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP. The device may be a computer device for executing the method, such as a mobile phone terminal. The acquisition, storage, use, and processing of data in the technical solution of this application all comply with the relevant provisions of national laws and regulations. Banks can cooperate with merchants to display merchant information in the mobile banking APP. It should be noted that these cooperative merchants need to activate the wallet payment function in advance.

Commodity-related information may include, but not limited to, commodity promotion information, issuance of consumer coupons, and the like.

In the above step S2, the device responds to the triggering action of the first target merchant selected by the user according to the merchant information to activate the sub-wallet function, and establishes the corresponding first target merchant’s parent wallet registered by the user and the first target merchant. A mapping relationship between sub-wallets. An example is as follows: merchants are merchants A to merchants F, that is, there are 6 merchants cooperating with banks.

By browsing the business information of these 6 merchants, the user determines that he wants to activate the sub-wallet function of merchant B and merchant C, that is, after the sub-wallet function is activated, the merchant APP can be used for payment and consumption after the sub-wallet function is activated.

You can choose to activate the sub-wallet function of merchant B and merchant C by clicking, checking, etc. At this time, Merchant B and Merchant C are determined as the first target merchants, the corresponding first target sub-wallets are recorded as b and c, and the user’s pre-registered parent wallet is recorded as X, then the mapping relationship includes X-b, X-c.

The wallet-related information processing method also includes:

Configure the first target sub-wallet information in the mapping relationship. The configuration of the first target sub-wallet information in the mapping relationship includes:

Set payment limits, view transaction records, and remove transaction records. That is, the user can configure the payment limit independently.

Every time a user makes a payment transaction, a transaction record can be generated, and the user can view and remove the selected transaction record independently.

In the above step S3, the device saves the mapping relationship and the first target merchant information in response to the trigger action of the user confirming the mapping relationship. The user can click the confirmation button to confirm the above mapping relationship and the merchant information of merchant B and merchant C. The merchant information can also include merchant promotion information such as merchant overview, operating brand, and award status.

As shown in Figure 2, the wallet-related information processing method also includes:

Step S4: Respond to the payment request triggered by the user while the user is using the second APP, and obtain the second target sub-wallet of the second target merchant corresponding to the second APP; the second APP is a merchant APP; the merchant The APP can be the APP of the first target merchant, that is, the wallet payment function has been opened in advance, and is selected by the user as the first target merchant. Referring to the above example, if the user wants to purchase merchandise from Merchant B, he may use Merchant B's APP, and the payment request may include a payment code and the like.

That is, merchant B is the second target merchant, and the second target sub-wallet is obtained as b.

Step S5: Determine the parent wallet corresponding to the user associated with the second target sub-wallet according to the mapping relationship, and make payment through the parent wallet. According to the above mapping relationship, it is determined that the user's parent wallet associated with b is X, and the payment for the user's purchase of goods is paid through X.

As shown in Figure 3, the wallet-related information processing method provided by the embodiment of the present invention can be implemented based on modularization, specifically including:

Digital wallet module 1: Support users to register digital wallets.

Merchant entry module 2: Support all kinds of merchants to settle in and become digital wallet merchants.

Sub-wallet push module 3: Display for users a list of all merchants that support sub-wallet payment, as well as information such as the various ranges that each merchant supports using sub-wallets for payment. Users can select merchants who want to open the sub-wallet function from the merchant list. After confirming the account information (sub-wallet information, relevant information of the selected merchant, etc.), complete the push of the sub-wallet by entering the wallet payment password or other verification methods (such as face recognition, fingerprint recognition and other security verification methods).

Sub-wallet deduction module 4: When the user makes payment on the merchant side, the user can choose the pushed digital sub-wallet for payment. After the payment is successful, the amount will be deducted from the user's digital wallet.

Sub-wallet management module 5: Users can view information about sub-wallets that have been opened, and manage sub-wallets, such as setting payment limits, viewing transaction records, and removing functions.

The embodiment of the present invention provides users with a sub-wallet payment method based on a digital wallet, which directly pushes the user's digital wallet to the merchant. The web page actively binds the digital wallet, which is very fast, and can also manage the opened sub-wallets in a unified manner.

The wallet-related information processing method provided by the embodiment of the present invention displays merchant information during the user's use of the first APP; the merchant information includes product-related information provided by merchants who have opened the wallet payment function in advance; the first APP is a mobile phone Bank APP; in response to the trigger action of the first target merchant to be activated with the sub-wallet function selected by the user according to the merchant information, establish the first target sub-wallet corresponding to the user’s pre-registered parent wallet and the first target merchant In response to the trigger action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information can simplify the operation process of the user using the wallet and facilitate the user to use the wallet.

Further, the wallet-related information processing method also includes:

Respond to the payment request triggered by the user while the user is using the second APP, and obtain the second target sub-wallet corresponding to the second target merchant of the second APP; the second APP is a merchant APP; refer to the above description ,No longer.

A parent wallet corresponding to the user associated with the second target sub-wallet is determined according to the mapping relationship, and payment is made through the parent wallet. Reference may be made to the above description, and details are not repeated here.

Further, the wallet-related information processing method also includes:

Configure the first target sub-wallet information in the mapping relationship. Reference may be made to the above description, and details are not repeated here.

Further, the configuration of the first target sub-wallet information in the mapping relationship includes:

Set payment limits, view transaction records, and remove transaction records. Reference may be made to the above description, and details are not repeated here.

It should be noted that the wallet-related information processing method provided by the embodiment of the present invention can be used in the financial field, and can also be used in any technical field except the financial field. The embodiment of the present invention does not limit the application field of the wallet-related information processing method .

FIG. 4 is a schematic structural diagram of a wallet-related information processing device provided by an embodiment of the present invention. As shown in FIG. 4 , the wallet-related information processing device provided by an embodiment of the present invention includes a display unit 401, a creation unit 402, and a storage unit 403. in:

The display unit 401 is used to display merchant information during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP; the establishment unit 402 uses In response to the triggering action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant is established. the mapping relationship; the storing unit 403 is configured to store the mapping relationship and the first target merchant information in response to the user confirming the triggering action of the mapping relationship.

Specifically, the display unit 401 in the device is used to display merchant information during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have opened the wallet payment function in advance; the first APP is mobile banking APP; the establishment unit 402 is used to respond to the triggering action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, to establish the corresponding first target merchant of the user's pre-registered parent wallet and the first target merchant. A mapping relationship between target sub-wallets; the storage unit 403 is configured to store the mapping relationship and the first target merchant information in response to the trigger action of the user confirming the mapping relationship.

The wallet-related information processing device provided by the embodiment of the present invention displays merchant information during the user's use of the first APP; the merchant information includes product-related information provided by merchants who have opened the wallet payment function in advance; the first APP is a mobile phone Bank APP; in response to the trigger action of the first target merchant to be activated with the sub-wallet function selected by the user according to the merchant information, establish the first target sub-wallet corresponding to the user’s pre-registered parent wallet and the first target merchant In response to the trigger action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information can simplify the operation process for the user to use the wallet and facilitate the user to use the wallet.

Further, the wallet-related information processing device is also used for:

Responding to the payment request triggered by the user while the user is using the second APP, acquiring a second target sub-wallet corresponding to the second target merchant of the second APP; the second APP is a merchant APP;

A parent wallet corresponding to the user associated with the second target sub-wallet is determined according to the mapping relationship, and payment is made through the parent wallet.

Further, the wallet-related information processing device is also used for:

Configure the first target sub-wallet information in the mapping relationship.

Further, the wallet-related information processing device is also specifically used for:

Set payment limits, view transaction records, and remove transaction records.

The embodiments of the wallet-related information processing apparatus provided by the embodiments of the present invention can be specifically used to execute the processing procedures of the above-mentioned method embodiments, and the functions thereof will not be described in detail here, and reference can be made to the detailed description of the above-mentioned method embodiments.

Figure 5 is a schematic diagram of the physical structure of a computer device provided by an embodiment of the present invention. As shown in Figure 5, the computer device includes: a memory 501, a processor 502, and a computer program stored on the memory 501 and operable on the processor 502 , the processor 502 implements the following method when executing the computer program:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

This embodiment discloses a computer program product, the computer program product includes a computer program, and when the computer program is executed by a processor, the following method is implemented:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the trigger action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

This embodiment provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following method is implemented:

The merchant information is displayed during the user's use of the first APP; the merchant information includes commodity-related information provided by merchants who have pre-opened the wallet payment function; the first APP is a mobile banking APP;

Responding to the triggering action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish a relationship between the user’s pre-registered parent wallet and the first target sub-wallet corresponding to the first target merchant. Mapping relations;

In response to the triggered action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information.

Compared with the technical solutions in the prior art, the embodiment of the present invention displays merchant information during the user's use of the first APP; the merchant information includes product-related information provided by merchants who have pre-opened the wallet payment function; the first The APP is a mobile banking APP; in response to the triggering action of the first target merchant to activate the sub-wallet function selected by the user according to the merchant information, establish the corresponding first wallet of the user’s pre-registered parent wallet and the first target merchant. The mapping relationship between the target sub-wallets; in response to the trigger action of the user confirming the mapping relationship, saving the mapping relationship and the first target merchant information can simplify the operation process of the user using the wallet and facilitate the user to use the wallet.

Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. Accordingly, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention 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, etc.) having computer-usable program code embodied therein.

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 should be understood that each procedure and/or block in the flowchart and/or block diagram, and a combination of procedures and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions may be provided to a general purpose computer, special purpose computer, embedded processor, or processor of other programmable data processing equipment to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing equipment produce a An apparatus for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to operate in a specific manner, such that the instructions stored in the computer-readable memory produce an article of manufacture comprising instruction means, the instructions The device realizes the function specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions can also be loaded onto a computer or other programmable data processing device, causing a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, thereby The instructions provide steps for implementing the functions specified in the flow chart or blocks of the flowchart and/or the block or blocks of the block diagrams.

In the description of this specification, descriptions referring to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", "examples", "specific examples", or "some examples" etc. mean It means that a specific feature, structure, material or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

The specific embodiments described above have further described the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above descriptions are only specific embodiments of the present invention and are not intended to limit the scope of the present invention. Protection scope, within the spirit and principles of the present invention, any modification, equivalent replacement, improvement, etc., shall be included in the protection scope of the present invention.

Claims (11)

1. A wallet-related information processing method, comprising:

displaying merchant information in the process that a user uses the first APP; the merchant information comprises commodity related information provided by a merchant with a wallet payment function opened in advance; the first APP is a mobile banking APP;

responding to a trigger action of a first target merchant with a function of opening a sub-wallet selected by the user according to the merchant information, and establishing a mapping relation between a parent wallet pre-registered by the user and a first target sub-wallet corresponding to the first target merchant;

and responding to a trigger action of the user for confirming the mapping relation, and storing the mapping relation and the first target merchant information.

2. The wallet-related information processing method of claim 1, further comprising:

responding to a payment request triggered by a user in the process that the user uses a second APP, and acquiring a second target sub-wallet of a second target merchant corresponding to the second APP; the second APP is a merchant APP;

and determining a parent wallet corresponding to the user and associated with the second target child wallet according to the mapping relation, and paying through the parent wallet.

3. The wallet-related information processing method as claimed in claim 1, further comprising:

configuring first target sub-wallet information in the mapping relationship.

4. The wallet-related information processing method of claim 3, wherein the configuring of the first target sub-wallet information in the mapping relationship comprises:

payment limit setting, transaction record viewing and transaction record removing.

5. A wallet-related information processing apparatus characterized by comprising:

the display unit is used for displaying merchant information in the process that a user uses the first APP; the merchant information comprises commodity related information provided by a merchant with a wallet payment function opened in advance; the first APP is a mobile banking APP;

the establishing unit is used for responding to a trigger action of a first target merchant with a function of opening the sub-wallet selected by the user according to the merchant information and establishing a mapping relation between a female wallet registered in advance by the user and a first target sub-wallet corresponding to the first target merchant;

and the storage unit is used for responding to the trigger action of the user for confirming the mapping relation and storing the mapping relation and the first target merchant information.

6. The wallet-related information processing apparatus as claimed in claim 5, wherein the wallet-related information processing apparatus is further configured to:

responding to a payment request triggered by a user in the process that the user uses a second APP, and acquiring a second target sub-wallet of a second target merchant corresponding to the second APP; the second APP is a merchant APP;

and determining a parent wallet corresponding to the user and associated with the second target child wallet according to the mapping relation, and paying through the parent wallet.

7. The wallet-related information processing apparatus as claimed in claim 5, wherein the wallet-related information processing apparatus is further configured to:

configuring first target sub-wallet information in the mapping relationship.

8. The wallet-related information processing apparatus as claimed in claim 7, wherein the wallet-related information processing apparatus is further specifically configured to:

setting a payment limit, viewing a transaction record, and removing the transaction record.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 4.

11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.

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