A quick transfer method and device based on invitation code

Abstract

The present invention proposes a quick transfer method and device based on an invitation code, which can be used in the financial field, wherein the method comprises: when a mobile banking APP of a first user obtains an instruction to invite others to transfer money, generating a transfer invitation code according to the account information selected by the first user; sending the transfer invitation code to a second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing. The present invention enables users to perform quick transfers based on invitation codes, simplifies the transfer operation process by automatically filling in transfer element information, and during the transfer process, users do not need to remember their personal card numbers, which are automatically extracted and displayed by the mobile banking APP for users to choose, and there is no need to worry about the risk of manually entering the wrong card number and causing the funds to be transferred by mistake, thereby effectively improving the convenience of bank card transfer operations.

Description

Technical Field

[0001] The present invention relates to the technical field of online bank card transfer, and in particular to a quick transfer method and device based on an invitation code. Background Art

[0002] With the rapid development of Internet finance, various quick payment scenarios have emerged. In the quick payment scenario, users can easily complete the payment by simply presenting the payment QR code. However, in the bank card transfer scenario, in order to realize the bank card to bank card transfer, the general interaction process is as follows:

[0003] S01, the transferor asks the transferee for the card number, and the transferee sends the bank card number, name, etc. to the transferor through the instant messaging APP. Here, the transferee needs to manually enter the card number and name once.

[0004] S02, the transferor copies the card number and enters the incoming card number, name, amount, etc. in the mobile banking APP to complete the transfer. Here, the transferor needs to enter the card number and name again.

[0005] In summary, the existing transfer process requires relatively cumbersome manual operations, resulting in low efficiency of bank card transfers and affecting user experience.

[0006] Therefore, there is an urgent need for a technical solution that can overcome the above problems and improve the bank card transfer method. Summary of the invention

[0007] In order to solve the shortcomings of the existing transfer methods, the present invention proposes a quick transfer method and device based on invitation codes. Users do not need to manually enter their bank card numbers and names. They can complete the input of transfer-related elements by automatically generating and parsing invitation codes, effectively improving the convenience of bank card transfer operations, improving user experience, and increasing user stickiness.

[0008] In a first aspect of an embodiment of the present invention, a quick transfer method based on an invitation code is proposed, the method comprising:

[0009] When the first user's mobile banking APP obtains an instruction to invite others to transfer money, a transfer invitation code is generated according to the account information selected by the first user;

[0010] The transfer invitation code is sent to the second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing.

[0011] Furthermore, when the mobile banking APP of the first user obtains an instruction to invite others to transfer money, a transfer invitation code is generated according to the account information selected by the first user, and the method further includes:

[0012] Obtaining the login information entered by the first user in the mobile banking APP, and matching the account information corresponding to the login information after successful login;

[0013] When the first user initiates an instruction to invite others to transfer money through the mobile banking APP, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0014] Furthermore, sending the transfer invitation code to the second user includes:

[0015] Extracting the transfer invitation code to a clipboard, and pasting the invitation code in the clipboard to an instant messaging APP of the first user;

[0016] The transfer invitation code is sent to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.

[0017] Furthermore, the method also includes:

[0018] After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

[0019] In a second aspect of an embodiment of the present invention, a quick transfer method based on an invitation code is proposed, the method comprising:

[0020] Receiving a transfer invitation code sent by the first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others;

[0021] The transfer invitation code is parsed, and the transfer is performed according to the account information obtained from the parsing.

[0022] Furthermore, the transfer invitation code is generated in the following manner:

[0023] The login information input by the first user is obtained through the first user's mobile banking APP, and the account information corresponding to the login information is matched after the login is successful. According to the transfer instruction initiated by the first user to invite others, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0024] Furthermore, the transfer invitation code is sent as follows:

[0025] The first user extracts the transfer invitation code to a clipboard, and pastes the invitation code in the clipboard to the first user's instant messaging APP; and sends the transfer invitation code to the instant messaging APP of the second user selected by the first user through the first user's instant messaging APP.

[0026] Furthermore, the transfer invitation code is parsed, and the transfer is performed according to the account information obtained by the parsing, including:

[0027] After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

[0028] In a third aspect of an embodiment of the present invention, a quick transfer device based on an invitation code is provided, the device comprising:

[0029] An invitation code generation module, used to generate a transfer invitation code according to the account information selected by the first user when the first user's mobile banking APP obtains an instruction to invite others to transfer money;

[0030] The sending module is used to send the transfer invitation code to the second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing.

[0031] In a fourth aspect of an embodiment of the present invention, a quick transfer device based on an invitation code is provided, the device comprising:

[0032] A receiving module, configured to receive a transfer invitation code sent by a first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others;

[0033] The transfer module is used to parse the transfer invitation code and transfer money according to the account information obtained by the parsing.

[0034] In a fifth aspect of an embodiment of the present invention, a computer device is proposed, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a quick transfer method based on an invitation code when executing the computer program.

[0035] In a sixth aspect of an embodiment of the present invention, a computer-readable storage medium is proposed, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, a quick transfer method based on an invitation code is implemented.

[0036] The invitation code-based quick transfer method and device proposed in the present invention generates a transfer invitation code from the transferee's account information according to the transfer invitation initiated by the transferee. After the transferor obtains the transfer invitation code, the account information is obtained by parsing, thereby simplifying the process of the transferee and the transferor manually entering the card number, name and other information during the transfer process, without the need for users to remember personal card numbers, effectively improving the convenience of bank card transfer operations, and avoiding the risk of funds being transferred by mistake due to manual entry of incorrect card numbers, thereby improving the user experience of transfer services. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0038] Figure 1 It is a flowchart of a quick transfer method based on an invitation code according to the first embodiment of the present invention.

[0039] Figure 2 It is a flowchart of a quick transfer method based on an invitation code according to the second embodiment of the present invention.

[0040] Figure 3A It is a schematic diagram of the architecture of a quick transfer device based on an invitation code according to the first embodiment of the present invention.

[0041] Figure 3B It is a schematic diagram of the detailed architecture of the quick transfer device based on the invitation code according to the first embodiment of the present invention.

[0042] Figure 4A 2 is a schematic diagram of the architecture of a quick transfer device based on an invitation code according to a second embodiment of the present invention.

[0043] Figure 4B It is a detailed schematic diagram of the architecture of a quick transfer device based on an invitation code according to the second embodiment of the present invention.

[0044] Figure 5 It is a schematic diagram of the architecture of a bank card quick transfer product based on an invitation code according to a specific embodiment of the present invention.

[0045] Figure 6 It is a schematic diagram of the overall architecture of a quick transfer device based on an invitation code according to a specific embodiment of the present invention.

[0046] Figure 7 It is a schematic diagram of the overall process of quick transfer based on invitation code according to a specific embodiment of the present invention.

[0047] Figure 8 It is a schematic diagram of the structure of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0048] The principles and spirit of the present invention will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only to enable those skilled in the art to better understand and implement the present invention, and are not intended to limit the scope of the present invention in any way. On the contrary, these embodiments are provided to make the present disclosure more thorough and complete, and to fully convey the scope of the present disclosure to those skilled in the art.

[0049] Those skilled in the art will appreciate that the embodiments of the present invention may be implemented as a system, device, apparatus, method or computer program product. Therefore, the present disclosure may be specifically implemented in the following forms, namely: complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0050] According to an embodiment of the present invention, a method and device for quick transfer based on an invitation code are proposed. The method and device can be used in the financial field, allowing users to transfer money based on invitation codes, simplifying the transfer operation process by automatically filling in transfer element information. During the transfer process, users do not need to remember their personal card numbers, which are automatically extracted and displayed to users for selection by the APP, and there is no need to worry about the risk of manually entering the wrong card number and causing the wrong transfer of funds.

[0051] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0052] Figure 1 FIG. 1 is a flow chart of a quick transfer method based on an invitation code according to the first embodiment of the present invention. Figure 1 As shown, the method includes:

[0053] S101, when the mobile banking APP of the first user obtains an instruction to invite others to transfer money, a transfer invitation code is generated according to the account information selected by the first user;

[0054] S102, sending the transfer invitation code to the second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing.

[0055] In S101 of this embodiment, the process of generating the transfer invitation code is as follows:

[0056] Obtaining the login information entered by the first user in the mobile banking APP, and matching the account information corresponding to the login information after successful login;

[0057] When the first user initiates an instruction to invite others to transfer money through the mobile banking APP, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0058] Among them, when the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry, a reversible algorithm can be used to edit the account information, and a transfer invitation code identification symbol can be added to generate a transfer invitation code in the form of "name + card number + transfer invitation code identification symbol", or a password, or a special link; regardless of the form, the transferor's mobile banking APP must be able to recognize the transfer invitation code when it receives the transfer invitation code, and parse out the corresponding name, card number and other key information required for the transfer.

[0059] In S102 of this embodiment, the process of sending the transfer invitation code is as follows:

[0060] Extracting the transfer invitation code to a clipboard, and pasting the invitation code in the clipboard to an instant messaging APP of the first user;

[0061] The transfer invitation code is sent to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.

[0062] In this embodiment, when the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

[0063] refer to Figure 1After the transferee (first user) successfully logs in to the mobile banking APP, the mobile banking APP can match the user information of the log-in user. The transferee can click on the "Invite others to transfer money to me" link on the card number viewing page to initiate an invitation to invite others to transfer money. After the card number, name of the logged-in user and other information selected on the mobile banking APP are confirmed, the card number, name of the logged-in user and other information are used to generate a transfer invitation code according to the unified interface agreed upon by the industry, and the invitation code is written to the clipboard. The transferee pastes the invitation code on the instant messaging APP and sends it to the transferor (second user). The transferor can quickly fill in the transferee's card number, name and other data based on the invitation code, and the transferor enters the transfer amount and initiates the transfer transaction after confirming that the transferee's information is correct. The transfer transaction process can adopt the conventional transfer process, and the transfer-related information is exchanged through the back-end communication module of the banking system, and the transferor bank and the transferee bank complete the deduction and entry of funds in the background.

[0064] Figure 2 FIG. 1 is a flow chart of a quick transfer method based on an invitation code according to a second embodiment of the present invention. Figure 2 As shown, the method includes:

[0065] S201, receiving a transfer invitation code sent by a first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others;

[0066] S202, parsing the transfer invitation code, and transferring money according to the account information obtained by parsing.

[0067] In this embodiment, the transfer invitation code is generated in the following manner:

[0068] The login information input by the first user is obtained through the first user's mobile banking APP, and the account information corresponding to the login information is matched after the login is successful. According to the transfer instruction initiated by the first user to invite others, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0069] In this embodiment, the transfer invitation code is sent as follows:

[0070] The first user extracts the transfer invitation code to a clipboard, and pastes the invitation code in the clipboard to the first user's instant messaging APP; and sends the transfer invitation code to the instant messaging APP of the second user selected by the first user through the first user's instant messaging APP.

[0071] In S202 of this embodiment, the process of transferring money according to the transfer invitation code is as follows:

[0072] After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

[0073] refer to Figure 2 After the transferor's instant messaging APP receives the invitation code, it can copy the invitation code to the clipboard and open the mobile banking APP. The mobile banking APP automatically reads the data in the clipboard and identifies whether the data contains the unique identifier of the transfer invitation code. If it is identified as a transfer invitation code, the transferee's card number, name and other data in the invitation code are parsed according to the agreed industry unified interface, and the transfer is initiated. Based on the parsed data, the transferee's card number, name and other data are automatically filled in the transfer initiation page and displayed to the transferor. The transferor enters the transfer amount and initiates the transfer transaction after confirming that the transferee's information is correct. The transfer transaction can follow the regular transfer process, exchange transfer-related information through the bank system's backend communication module, and the transferor bank and the transferee bank complete the deduction and entry of funds in the background.

[0074] It should be noted that, although the operations of the method of the present invention are described in a specific order in the above embodiments and the accompanying drawings, this does not require or imply that the operations must be performed in the specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step, and / or one step may be decomposed into multiple steps.

[0075] After introducing the method of the exemplary embodiment of the present invention, next, refer to Figure 3A , Figure 3B , Figure 4A and Figure 4B A quick transfer device based on an invitation code according to an exemplary embodiment of the present invention is introduced.

[0076] The implementation of the quick transfer device based on the invitation code can refer to the implementation of the above method, and the repeated parts will not be repeated. The term "module" or "unit" used below can be a combination of software and / or hardware that implements the predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0077] Based on the same inventive concept, the present invention also proposes a quick transfer device based on an invitation code, such as Figure 3A As shown, the device comprises:

[0078] The invitation code generation module 310 is used to generate a transfer invitation code according to the account information selected by the first user when the mobile banking APP of the first user obtains an instruction to invite others to transfer money;

[0079] The sending module 320 is used to send the transfer invitation code to the second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing.

[0080] In this embodiment, reference Figure 3B , the device also includes: a login module 330, which is used to obtain the login information entered by the first user in the mobile banking APP, and match the account information corresponding to the login information after the login is successful;

[0081] Furthermore, the invitation code generation module 310 is specifically used for: when the first user initiates an instruction to invite others to transfer money through the mobile banking APP, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0082] In this embodiment, reference Figure 3B , the device further includes: an invitation code pasting module 340, for extracting the transfer invitation code to a clipboard, and pasting the invitation code in the clipboard to the instant messaging APP of the first user;

[0083] Furthermore, the sending module 320 is specifically used to send the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.

[0084] After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

[0085] Based on the same inventive concept, the present invention also proposes a quick transfer device based on an invitation code, such as Figure 4A As shown, the device comprises:

[0086] The receiving module 410 is used to receive a transfer invitation code sent by the first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others;

[0087] The transfer module 420 is used to parse the transfer invitation code and transfer money according to the account information obtained by the parsing.

[0088] Among them, the transfer invitation code is generated in the following way: the login information input by the first user is obtained through the first user's mobile banking APP, and the account information corresponding to the login information is matched after the login is successful. According to the transfer instruction initiated by the first user to invite others, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry.

[0089] The transfer invitation code is sent in the following manner: the first user extracts the transfer invitation code to a clipboard, and pastes the invitation code in the clipboard to the instant messaging APP of the first user; and sends the transfer invitation code to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.

[0090] In this embodiment, reference Figure 4B The device further includes: an invitation code extraction module 430, which is used to extract the transfer invitation code to a clipboard after the second user's instant messaging APP receives the transfer invitation code, and the second user's mobile banking APP identifies the information in the clipboard;

[0091] The parsing module 440 is used to parse the transfer invitation code according to the unified interface specified by the industry when identifying it, obtain the account information selected by the first user, and display the account information on the transfer interface;

[0092] The transfer module 420 is specifically used to complete the transfer after receiving the transfer amount input by the second user and confirming the transfer instruction.

[0093] It should be noted that although several modules of the invitation code-based quick transfer device are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to an embodiment of the present invention, the features and functions of two or more modules described above can be concretized in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for concretization.

[0094] In order to explain the above-mentioned quick transfer method based on the invitation code more clearly, a specific embodiment is described below. However, it should be noted that this embodiment is only for better illustrating the present invention and does not constitute an improper limitation to the present invention.

[0095] refer to Figure 5 , is a schematic diagram of the architecture of a bank card quick transfer product based on an invitation code according to a specific embodiment of the present invention. Figure 5As shown, it mainly includes: a mobile terminal device 51 of the transferee, an instant messaging APP 52 of the transferee, a mobile banking APP 53 of the transferee, a mobile terminal device 54 of the transferor, an instant messaging APP 55 of the transferor and a mobile banking APP 56 of the transferor.

[0096] Among them, the transferee: The transferee's mobile terminal device 51 is installed with an instant messaging company's instant messaging APP (such as WeChat, Alipay) and a mobile banking APP. The transferee's mobile banking APP 52 is used to generate a transfer invitation code. The transferee's instant messaging APP 53 is used to send a transfer invitation code.

[0097] On the transferor: The transferor's mobile terminal device 54 is equipped with an instant messaging company's instant messaging APP (such as WeChat, Alipay) and a mobile banking APP. The transferor's instant messaging APP 55 is used to receive the transfer invitation code. The transferor's mobile banking APP 56 is used to send a transfer instruction to the backend server, which completes the transfer.

[0098] refer to Figure 6 , is a schematic diagram of the overall architecture of a quick transfer device based on an invitation code according to a specific embodiment of the present invention. Figure 6 As shown, the device comprises:

[0099] When using the device to invite others to transfer money, that is, the transferee user invites the transferor user to transfer money to himself:

[0100] The login module 61 is used to obtain the login information input by the transfer-in user in the mobile banking APP, and match the account information corresponding to the login information after the login is successful.

[0101] The invitation code generation module 62 is used to generate a transfer invitation code according to the account information selected by the transferee user when the transferee user's mobile banking APP obtains an instruction to invite others to transfer money.

[0102] Specifically, when an invitation to transfer money to another person is initiated through a mobile banking APP, the account information selected by the transferee user will be used to generate a transfer invitation code in accordance with the unified interface specified by the industry.

[0103] The invitation code pasting module 63 is used to extract the transfer invitation code to the clipboard, and paste the invitation code in the clipboard to the instant messaging APP of the transferee user.

[0104] The sending module 64 is used to send the transfer invitation code to the transferor user.

[0105] Specifically, the transfer invitation code is sent to the instant messaging APP of the transferor user selected by the transferor user through the instant messaging APP of the transferee user.

[0106] When using the device to transfer money to others, the transferor receives a transfer invitation from the transferee:

[0107] The login module 61 is used to obtain the login information input by the transferor user in the mobile banking APP, and match the account information corresponding to the login information after the login is successful.

[0108] The receiving module 65 is used to receive the transfer invitation code sent by the transferee user.

[0109] The invitation code extraction module 66 is used to extract the transfer invitation code to the clipboard after the transferor user's instant messaging APP receives the transfer invitation code, and the transferor user's mobile banking APP identifies the information in the clipboard.

[0110] The parsing module 67 is used to parse the transfer invitation code according to the unified interface specified by the industry when identifying it, obtain the account information selected by the transferee user, and display the account information on the transfer interface.

[0111] The transfer module 68 is used to parse the transfer invitation code and transfer money to the transferee according to the account information obtained by the parsing.

[0112] Specifically, the transfer is completed after receiving the transfer amount entered by the transferor user and confirming the transfer instruction.

[0113] refer to Figure 7 , is a schematic diagram of the overall process of quick transfer based on invitation code according to a specific embodiment of the present invention. Figure 7 As shown, the specific process is:

[0114] On the transferee side:

[0115] S701, the transferee logs in to the mobile banking APP. After successful login, the mobile banking APP can match the user information of the log-in user, where the user information at least includes: user name.

[0116] S702, the transferee clicks on the link "Invite others to transfer money to me" on the card number viewing page to initiate an instruction to invite others to transfer money.

[0117] S703, the transferee selects the card number, name of the logged-in user and other information on the mobile banking APP. After the information selection is confirmed, the card number, name of the logged-in user and other information are used to generate a transfer invitation code according to the unified interface agreed upon by the industry, and the invitation code is written to the clipboard.

[0118] S704, the transferee pastes the invitation code in the instant messaging APP and sends it to the transferor.

[0119] On the transferor side:

[0120] S705, after receiving the invitation code in the instant messaging APP, the transferor copies the invitation code and opens the mobile banking APP.

[0121] S706, the mobile banking APP reads the data in the clipboard and identifies whether the data contains a unique identifier of the transfer invitation code.

[0122] If it is recognized as a transfer invitation code, the transferee's card number, name and other data in the invitation code will be parsed according to the agreed industry unified interface, and the transfer will be initiated.

[0123] S707, based on the parsed data, the transferee's card number, name and other data are automatically filled into the transfer initiation page and displayed to the transferor. The transferor enters the transfer amount and initiates the transfer transaction after confirming that the transferee's information is correct.

[0124] S708, according to the conventional transfer process, the transfer-related information is exchanged through the back-end communication module of the banking system, and the transfer-out bank and the transfer-in bank complete the deduction and entry of funds in the background.

[0125] The invitation code-based quick transfer method and device proposed in the present invention can simplify the user's operation when transferring money, so that the user does not need to manually enter the bank card number and name. The user can complete the input of transfer-related elements by automatically generating and parsing the invitation code, effectively improving the convenience of bank card transfer operations, improving user experience, and increasing user stickiness.

[0126] Based on the above invention concept, Figure 8 As shown, the present invention also proposes a computer device 800, including a memory 810, a processor 820, and a computer program 830 stored in the memory 810 and executable on the processor 820, wherein the processor 820 implements the aforementioned invitation code-based quick transfer method when executing the computer program 830.

[0127] Based on the aforementioned inventive concept, the present invention proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the aforementioned invitation code-based quick transfer method is implemented.

[0128] The invitation code-based quick transfer method and device proposed in the present invention generates a transfer invitation code from the transferee's account information according to the transfer invitation initiated by the transferee. After the transferor obtains the transfer invitation code, the account information is obtained by parsing, thereby simplifying the process of the transferee and the transferor manually entering the card number, name and other information during the transfer process, without the need for users to remember personal card numbers, effectively improving the convenience of bank card transfer operations, and avoiding the risk of funds being transferred by mistake due to manual entry of incorrect card numbers, thereby improving the user experience of transfer services.

[0129] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0130] The present invention is described with reference to flowcharts and / or block diagrams of methods and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0131] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0132] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0133] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A quick transfer method based on an invitation code, characterized in that: The method includes: When the first user's mobile banking APP obtains an instruction to invite others to transfer money, a transfer invitation code is generated according to the account information selected by the first user; Sending the transfer invitation code to the second user, wherein the second user's mobile banking APP parses the transfer invitation code and performs the transfer according to the account information obtained by the parse; When the mobile banking APP of the first user obtains the instruction to invite others to transfer money, a transfer invitation code is generated according to the account information selected by the first user, and the following is also included: Obtaining the login information entered by the first user in the mobile banking APP, and matching the account information corresponding to the login information after successful login; When the first user initiates an invitation to transfer funds to another person through the mobile banking APP, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry; this includes: using a reversible algorithm to edit the account information, adding a transfer invitation code identification symbol, and generating a transfer invitation code in the form of name + card number + transfer invitation code identification symbol, password or special link; The instruction to invite others to transfer money is obtained by the first user clicking the link of "Invite others to transfer money to me" on the card number viewing page; The method further includes: After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

2. The quick transfer method based on invitation code according to claim 1, characterized in that: Sending the transfer invitation code to the second user includes: Extracting the transfer invitation code to a clipboard, and pasting the invitation code in the clipboard to an instant messaging APP of the first user; The transfer invitation code is sent to the instant messaging APP of the second user selected by the first user through the instant messaging APP of the first user.

3. A quick transfer method based on an invitation code, characterized in that: The method includes: Receiving a transfer invitation code sent by the first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others; Parsing the transfer invitation code, and transferring money according to the account information obtained from the parsing; The transfer invitation code is generated in the following manner: The login information input by the first user is obtained through the mobile banking APP of the first user, and the account information corresponding to the login information is matched after the login is successful. According to the transfer instruction initiated by the first user to invite others, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry; including: using a reversible algorithm to edit the account information, and adding a transfer invitation code identification symbol to generate a transfer invitation code in the form of name + card number + transfer invitation code identification symbol, password or special link; The instruction to invite others to transfer money is obtained by the first user clicking the link of "Invite others to transfer money to me" on the card number viewing page; Parsing the transfer invitation code and transferring money according to the account information obtained from the parsing, including: After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

4. The quick transfer method based on invitation code according to claim 3, characterized in that: The transfer invitation code can be sent as follows: The first user extracts the transfer invitation code to a clipboard, and pastes the invitation code in the clipboard to the first user's instant messaging APP; and sends the transfer invitation code to the instant messaging APP of the second user selected by the first user through the first user's instant messaging APP.

5. A quick transfer device based on an invitation code, characterized in that: The device includes: An invitation code generation module, used to generate a transfer invitation code according to the account information selected by the first user when the first user's mobile banking APP obtains an instruction to invite others to transfer money; A sending module, configured to send the transfer invitation code to a second user, wherein the transfer invitation code is parsed by the mobile banking APP of the second user, and the transfer is performed according to the account information obtained by the parsing; Among them, the invitation code generation module is specifically used for: Obtaining the login information entered by the first user in the mobile banking APP, and matching the account information corresponding to the login information after successful login; When the first user initiates an invitation to transfer funds to another person through the mobile banking APP, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry; this includes: using a reversible algorithm to edit the account information, adding a transfer invitation code identification symbol, and generating a transfer invitation code in the form of name + card number + transfer invitation code identification symbol, password or special link; The instruction to invite others to transfer money is obtained by the first user clicking the link of "Invite others to transfer money to me" on the card number viewing page; Parsing the transfer invitation code and transferring money according to the account information obtained from the parsing, including: After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

6. A quick transfer device based on an invitation code, characterized in that: The device includes: A receiving module, configured to receive a transfer invitation code sent by a first user; wherein the transfer invitation code is generated according to the account information selected by the first user when the first user's mobile banking APP obtains an invitation to transfer instructions to others; A transfer module, used to parse the transfer invitation code and transfer money according to the account information obtained by the parsing; The transfer invitation code is generated in the following manner: The login information input by the first user is obtained through the mobile banking APP of the first user, and the account information corresponding to the login information is matched after the login is successful. According to the transfer instruction initiated by the first user to invite others, the account information selected by the first user is used to generate a transfer invitation code according to the unified interface specified by the industry; including: using a reversible algorithm to edit the account information, and adding a transfer invitation code identification symbol to generate a transfer invitation code in the form of name + card number + transfer invitation code identification symbol, password or special link; The instruction to invite others to transfer money is obtained by the first user clicking the link of "Invite others to transfer money to me" on the card number viewing page; Parsing the transfer invitation code and transferring money according to the account information obtained from the parsing, including: After the second user's instant messaging APP receives the transfer invitation code, it extracts the transfer invitation code to the clipboard, and the second user's mobile banking APP identifies the information in the clipboard. When the transfer invitation code is identified, it is parsed according to the unified interface specified by the industry to obtain the account information selected by the first user, and the account information is displayed on the transfer interface. After receiving the transfer amount entered by the second user and confirming the transfer instruction, the transfer is completed.

7. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the method according to any one of claims 1 to 4 is implemented.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 4 is implemented.

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