Mobile banking business operation method and device

Abstract

The invention provides a mobile banking business operation method and device which can be used in the field of financial science and technology, and the method comprises the steps: displaying an initial interface of a mobile banking to a user; wherein the initial interface comprises a first-level menu, and menu items of the first-level menu are set according to service requirements; receiving a pressing and dragging action of a user on the initial interface; wherein the pressing and dragging action is a single touch action; according to the starting point of the touch path for pressing the dragging action, menu items of a first-level menu needing to be subjected to service operation are determined; under the menu item of the first-level menu needing to be subjected to service operation, according to the touch path of the pressing and dragging action, displaying the menu item of each level of submenu to the user level by level; according to the touch path end point of the pressing and dragging action, the menu item of the last-level submenu needing to be subjected to service operation is determined, and when the pressing and dragging action is finished, service information needing to be operated in the menu item of the last-level submenu is sent to a server background to be processed.

Description

Technical Field

[0001] The mobile banking business operation method and device of the present invention can be used in the field of financial technology, and can also be used in other fields except the financial field. The application field of the mobile banking business operation method and device of the present invention is not limited. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] At present, banking business operations have gradually shifted to mobile banking clients for business operations, but mobile banking business operations are complicated and have high learning costs. After downloading and installing mobile banking, customers need to learn and adapt to mobile banking business operations, and use single click, double click, click and long press, sliding and other operations to complete business operations. Mobile banking business operations are complicated, users' business handling efficiency is low, and the time cost for customers to learn business operations is high. When using mobile banking to handle business with customers, bank staff are often needed to guide customers to perform business operations, which wastes a lot of manpower and affects the efficiency of bank business processing. Summary of the invention

[0004] In the embodiment of the present invention, a mobile banking business operation method is proposed, which is used to complete the business operation of the mobile banking through a single touch action, reduce the time cost of customers learning business operations, improve the efficiency of customers handling business, and do not need bank staff to guide customers to handle business, thereby saving labor costs, improving banking business processing efficiency, and improving user experience, including:

[0005] Display the initial interface of mobile banking to the user; the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements;

[0006] Receiving a press-and-drag action of the user on the initial interface; wherein the press-and-drag action is a single touch action;

[0007] Determine the menu item of the first-level menu where the business operation needs to be performed according to the starting point of the touch path of the press-and-drag action;

[0008] Under the menu items of the first-level menu where business operations are required, the menu items of each submenu are displayed to the user step by step according to the touch path of the press-and-drag action;

[0009] According to the end point of the touch path of the press-and-drag action, the menu item of the last-level submenu that needs to be operated is determined, and when the press-and-drag action ends, the business information that needs to be operated in the menu item of the last-level submenu is sent to the server background for processing.

[0010] In the embodiment of the present invention, a mobile banking business operation device is proposed, which is used to complete the business operation of the mobile banking through a single touch action, thereby reducing the time cost of customers learning business operations and improving the efficiency of customers handling business. Bank staff are no longer required to guide customers to handle business, thus saving labor costs, improving the efficiency of bank business processing, and improving user experience, including:

[0011] The first display module is used to display the initial interface of the mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements;

[0012] An action receiving module, used for receiving a press-and-drag action of a user on an initial interface; wherein the press-and-drag action is a single touch action;

[0013] A first determination module, used to determine a menu item of a first-level menu that needs to perform a business operation according to a starting point of a touch path of a press-and-drag action;

[0014] The second display module is used to display the menu items of each level of submenu to the user step by step according to the touch path of the press-and-drag action under the menu item of the first-level menu where the business operation needs to be performed;

[0015] The second determination module is used to determine the menu items of the last-level submenu that require business operations according to the end point of the touch path of the press-drag action, and when the press-drag action ends, send the business information that requires operations in the menu items of the last-level submenu to the server background for processing.

[0016] In an embodiment of the present invention, a computer device is proposed, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements a mobile banking service operation method when executing the computer program.

[0017] In an embodiment of the present invention, a computer-readable storage medium is provided. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, a mobile banking service operation method is implemented.

[0018] The mobile banking business operation method and device proposed in the embodiment of the present invention can solve the problems in the prior art that the business operation of mobile banking is complicated, the user's business handling efficiency is low, the time cost of customers learning business operations is high, and bank staff are often required to guide customers to perform business operations, which wastes a lot of manpower and affects the efficiency of bank business processing; the embodiment of the present invention displays the initial interface of mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements; receiving the user's press and drag action on the initial interface; wherein the press and drag action is a single touch action; according to the starting point of the touch path of the press and drag action, determining the menu item of the first-level menu that needs to be operated; under the menu item of the first-level menu that needs to be operated, according to the touch path of the press and drag action, displaying the menu items of each level of submenu to the user step by step; according to the end point of the touch path of the press and drag action, determining the menu item of the last level submenu that needs to be operated, and when the press and drag action ends, sending the business information that needs to be operated in the menu item of the last level submenu to the server background for processing. The embodiments of the present invention can complete mobile banking business operations through a single touch action, simplify the business operation process, reduce the time cost of customers learning business operations, and improve the efficiency of customers in handling business. There is no need for bank staff to guide customers in handling business, which saves labor costs, improves bank business processing efficiency, and improves user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] 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.

[0020] Figure 1 It is a flowchart of a method for operating a mobile banking service in an embodiment of the present invention;

[0021] Figure 2 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0022] Figure 3 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0023] Figure 4 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0024] Figure 5 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0025] Figure 6 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0026] Figure 7 is a specific example diagram of the mobile banking business operation method in an embodiment of the present invention;

[0027] Figure 8 is a schematic diagram of a mobile banking business operation device in an embodiment of the present invention;

[0028] Fig. 9 Schematic diagram of a computer device in an embodiment of the present invention. DETAILED DESCRIPTION

[0029] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0030] The term "and / or" herein only describes an association relationship, indicating that three relationships may exist. For example, A and / or B may represent the following three situations: A exists alone, A and B exist at the same time, and B exists alone. In addition, the term "at least one" herein represents any combination of at least two of any one or more of a plurality of. For example, including at least one of A, B, and C may represent including any one or more elements selected from the set consisting of A, B, and C.

[0031] In the description of this specification, the terms "include", "including", "have", "contain", etc. are all open terms, which mean including but not limited to. The descriptions with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", etc. mean that the specific features, structures or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present application, and the order of steps is not limited and can be appropriately adjusted as needed.

[0032] The principle and spirit of the present invention are explained in detail below with reference to several representative embodiments of the present invention.

[0033] Figure 1 FIG. 1 is a flow chart of a method for operating a mobile banking service according to an embodiment of the present invention. Figure 1 As shown, the method includes:

[0034] Step 101, displaying the initial interface of the mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements;

[0035] Step 102, receiving a press-and-drag action of the user on the initial interface; wherein the press-and-drag action is a single touch action;

[0036] Step 103, determining a menu item of a first-level menu for which a business operation needs to be performed according to the starting point of the touch path of the press-and-drag action;

[0037] Step 104, under the menu item of the first-level menu for which a business operation is required, menu items of submenus of each level are displayed to the user level by level according to the touch path of the press-drag action;

[0038] Step 105, determining the menu items of the last level submenu that require business operations according to the touch path endpoint of the press-drag action, and sending the business information that requires operations in the menu items of the last level submenu to the server background for processing when the press-drag action ends.

[0039] Depend on Figure 1 It can be known from the process shown that the embodiment of the present invention displays the initial interface of the mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements; receives the user's press and drag action on the initial interface; wherein the press and drag action is a single touch action; according to the starting point of the touch path of the press and drag action, determines the menu items of the first-level menu that need to perform business operations; under the menu items of the first-level menu that need to perform business operations, according to the touch path of the press and drag action, displays the menu items of each level of submenus to the user step by step; according to the end point of the touch path of the press and drag action, determines the menu items of the last level of submenus that need to perform business operations, and when the press and drag action ends, sends the business information that needs to be operated in the menu items of the last level of submenus to the server background for processing. The embodiment of the present invention can complete the business operations of the mobile banking through a single touch action, simplify the business operation process, reduce the time cost of customers learning business operations, improve the efficiency of customers handling business, and do not need bank staff to guide customers to handle business, saving labor costs, and also improving the efficiency of bank business processing and improving user experience.

[0040] The present invention re-integrates the operation mode of the existing bank client, and integrates the menu buttons distributed in various positions of the mobile banking client interface into a unified main body, so that the customer can complete all business operations through a single contact with the mobile banking client interface. In order to explain the above-mentioned mobile banking business operation method more clearly, each step is described in detail below.

[0041] In one embodiment of the present invention, the initial interface of the mobile banking is displayed to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements. For example: after the customer enters the mobile banking client and logs in, without performing any operation, the interface is the initial page, and only five menu items / function buttons of the first-level menu are displayed below the initial page (the number, content and specific display form of the menu items / function buttons can be set according to the actual business requirements of the bank, and the position of some menu items can also be directly displayed as the customer's account information).

[0042] Figure 2 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0043] When implementing, the initial interface of mobile banking is displayed to users. Figure 2 The initial interface is displayed as five first-level menu items / function buttons of "Check", "Deposit", "Withdraw", "Transfer" and "Change", which respectively correspond to information query (such as checking account balance, checking foreign exchange rate, etc.), depositing funds (such as depositing into fixed deposits, depositing into funds, etc.), withdrawing funds (such as redeeming financial products, withdrawing cash, etc.), transfer business (such as inter-bank transfers, living bill payments, etc.), and business modification (such as changing passwords, changing mobile phone numbers, etc.). The rest of the initial interface can be displayed as marketing content such as bank advertisements.

[0044] Figure 3 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0045] In one embodiment of the present invention, for step 102, refer to Figure 3 , receiving the user's press-and-drag action on the initial interface, including:

[0046] Step 301, receiving the touch position and touch duration of the user on the initial interface;

[0047] Step 302: Determine a single touch action with a touch duration greater than a preset duration and a touch position change greater than a preset length as a press-and-drag action.

[0048] In one embodiment of the present invention, after receiving the user's touch position and touch duration on the initial interface, if the touch duration is less than the preset duration and the touch position change is less than the preset length, the account information is displayed to the user; wherein the account information includes: current deposit structure and current deposit income. For example, the preset duration is set to 1s and the preset length is set to 0.5cm.

[0049] Figure 4 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0050] Specifically, after receiving the user's touch position and touch duration on the initial interface, if the touch duration is less than the preset duration, and the touch position change is less than the preset length, it is determined that the single touch action is click and release, and the customer clicks the menu item / function button of the corresponding first-level menu and releases it, then the corresponding menu item / function button rotates to the top and displays the account content corresponding to the menu item / function button (the corresponding account content and specific display form can be set according to the actual business needs of the bank). Figure 4 When the user clicks "Save" on the initial interface, "Save" rotates to the top and displays the deposit structure and account status corresponding to the deposited funds, and gives deposit suggestions. The rest of the interface can be displayed as marketing content such as bank advertisements that are adapted to the corresponding business content.

[0051] In one embodiment of the present invention, the process of determining that a single touch action is a click followed by a release is as follows:

[0052] (1) Listening for click events: The front end of the mobile banking client will listen for the user's click actions at any coordinate position on the mobile phone screen;

[0053] (2) Detecting click actions: The front end of the mobile banking client detects the user's click actions, including the touch position and touch duration of the touch screen;

[0054] (3) Determine whether it is a "click and release" operation: The front end of the mobile banking client will determine whether the user's click action meets the "click and release" condition, that is, if the touch duration is less than the preset duration, and the touch position change is less than the preset length (the preset duration and preset length can be flexibly set according to actual needs), it is determined to be a "click and release" operation;

[0055] (4) Sending the click event to the backend: If it is a "click and release" operation, the mobile banking client front end will send the click and release event to the client backend;

[0056] (5) Processing click events: After the client background receives the "click and release" event, it will perform corresponding processing according to specific needs and record information such as the touch duration and touch position after clicking and releasing, or directly trigger related functions or operations according to the requirements of this step.

[0057] Figure 5 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0058] In one embodiment of the present invention, a single touch action with a touch duration greater than a preset duration and a touch position change less than a preset length is determined as a long press after clicking without releasing the touch. If a customer clicks a menu item / function button of the corresponding first-level menu and does not release the touch but further presses it with force, the corresponding menu item / function button rotates to the top and displays five menu items / function buttons of the second-level menu (the number, content and specific display form of the menu items / function buttons can be set according to the actual business needs of the bank, and the position of some function buttons can also be directly displayed as more information required by the customer). If the click is released, the user returns to the initial page. Reference Figure 5 If the user clicks "Save" on the initial interface and does not release the button and continues to press and hold it, "Save" will rotate to the top and display the menu items / function buttons of the five secondary menus: "Deposit Fixed Term", "Deposit Financial Management", "Deposit Stocks", "Deposit Funds", and "Deposit Foreign Exchange". The rest of the interface can be displayed as marketing content such as bank advertisements that are adapted to the corresponding business content.

[0059] In one embodiment of the present invention, the process of determining that a single touch action is a long press without releasing the touch button after clicking is as follows:

[0060] (1) Monitoring long press events: The front end of the mobile banking client will monitor the user's long press action on the mobile phone screen;

[0061] (2) Detecting click actions: The front end of the mobile banking client detects the user's long press action, including the touch position and touch duration of the touch screen;

[0062] (3) Determine whether it is a "long press without releasing the finger after clicking" operation: The front end of the mobile banking client will determine whether the user's click action meets the condition of "long press without releasing the finger after clicking", that is, on the one hand, whether the user presses the finger while touching the screen and applies a certain amount of pressure (the pressure can be flexibly set according to actual needs), and whether the touch duration is greater than the preset duration (the preset duration can be flexibly set according to actual needs); on the other hand, it obtains the coordinates of the user's touch position and whether the touch position change is less than the preset length (the preset length can be flexibly set according to actual needs);

[0063] (4) Sending a long press event to the backend: If the operation is "click and hold down the button and press hard for a long time", the frontend of the mobile banking client will send the "click and hold down the button and press hard for a long time" event to the backend of the client;

[0064] (5) Processing long-press events: After the client background receives the "click and hold" event, it will process it accordingly based on specific needs and record information such as the touch pressure, touch duration, and touch position after clicking or directly triggering related functions or operations according to the requirements of this step.

[0065] In one embodiment of the present invention, a user's press-and-drag action on the initial interface is received; wherein the press-and-drag action is a single touch action; according to the starting point of the touch path of the press-and-drag action, the menu item of the first-level menu that needs to perform business operations is determined; under the menu item of the first-level menu that needs to perform business operations, according to the touch path of the press-and-drag action, the menu items of each submenu are displayed to the user step by step; specifically: the historical operation frequency of all menu items of each submenu is obtained; according to the historical operation frequency of all menu items of each submenu, a preset number of menu items of each submenu are screened out; and the screened menu items of each submenu are displayed to the user step by step. Specifically, a parameter can be defined to represent the most frequently used menu item under the current customer's habit in the dimension of the customer identification number (such as customer ID), for example: HighestFrequencyMenuMethod1 (loginInfo), after the user logs in to the mobile banking, the unique identification number of the currently logged-in customer is obtained.

[0066] In one embodiment of the present invention, after obtaining the historical operation frequencies of all menu items of submenus at all levels, the business information of the menu items corresponding to the maximum historical operation frequency is determined based on the historical operation frequencies of all menu items of submenus at all levels, and business marketing advertisements related to the business information of the menu items corresponding to the maximum historical operation frequency are displayed to the user in the blank space of the mobile banking interface.

[0067] In the specific implementation, to obtain the historical operation frequency of all menu items in submenus at all levels, it is necessary to traverse and calculate the usage frequency of each type of function / product / amount under the channel by customers according to the actual statistical needs of the current business. The average daily usage of the function / product / amount can be calculated, or the ratio of the usage of the function / product / amount to the total usage of all functions / products / amounts can be calculated. The usage frequencies are sorted, and the functions / products / amounts with the highest usage frequencies are found according to the number of actual business needs, and the names of the menu items to which they belong are determined.

[0068] Figure 6 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0069] Specifically, according to the touch path of the press-and-drag action, the menu items / function buttons of the second-level menu and the third-level menu are displayed to the user step by step (the number, content and specific display form of the menu items / function buttons can be set according to the actual business needs of the bank, and the positions of some function buttons can also be directly displayed as more information required by the customer). If the touch is released, the user returns to the initial page. Figure 6, drag the touching finger to the "Deposit and Financial Management" menu item in the secondary menu, then "Deposit and Financial Management" will rotate to the top and display the menu items / function buttons of the five third-level menus: "7-Day Financial Management", "1-Month Financial Management", "6-Month Financial Management", "1-Year Financial Management" and "5-Year Financial Management". The rest of the interface can be displayed as marketing content such as bank advertisements adapted to the corresponding business content.

[0070] In one embodiment of the present invention, the process of determining that a single touch action is a press-and-drag action is as follows:

[0071] (1) Monitoring touch events: The front end of the mobile banking client monitors the user's touch actions on the mobile phone screen, including finger pressing, moving, and releasing;

[0072] (2) Detecting touch actions: The front end of the mobile banking client detects the user's touch actions, including touch duration and touch position;

[0073] (3) Determine whether it is a "press and drag" operation: The front end of the mobile banking client will determine whether the user's single touch action meets the "press and drag" condition, that is, if the touch duration is greater than the preset duration, and the touch position change is greater than the preset length (the preset duration and preset length can be flexibly set according to actual needs), it is determined to be a "click and release" operation;

[0074] (4) Sending touch events to the backend: If it is a "press and drag" operation, the mobile banking client front end will send this "press and drag" event to the client backend;

[0075] (5) Processing touch events: After the client background receives the "press and drag" event, it will perform corresponding processing according to specific needs and record information such as the touch duration and touch position after clicking and releasing, or directly trigger related functions or operations according to the requirements of this step.

[0076] In one embodiment of the present invention, when the press-and-drag action ends, before the business information that needs to be operated in the menu items of the last-level submenu is sent to the server background for processing, the amount menu item is displayed to the user under the menu item of the last-level submenu where the business operation needs to be performed; wherein an indicator mark is set on the amount menu item, and the indicator mark and the amount menu item rotate relative to each other at a preset rate; the indicator mark is used to select the amount on the amount menu item.

[0077] In one embodiment of the present invention, when the press-drag action ends, the business information that needs to be operated in the menu items of the last level submenu is sent to the server backend for processing; specifically, at the moment when the press-drag action ends, the relative rotation of the indicator mark and the amount menu item is stopped to determine the business amount that needs to be operated; the business information that needs to be operated in the menu items of the last level submenu is sent to the server backend for processing; wherein the business information includes the business amount.

[0078] Figure 7 It is a specific example diagram of the mobile banking business operation method of an embodiment of the present invention.

[0079] In specific implementation, after the customer drags his finger to the corresponding menu item / function button of the third-level menu, the system will display the transaction amount in the form of a turntable (the amount, content and specific display form of the transaction amount can be set according to the actual business needs of the bank, and more information required by the customer can also be directly displayed in a scrolling form). After the customer rotates to the required amount, let go, and the system will execute the operation instruction according to the amount specified by the customer (if there are many menu items or functions, it can also jump to the corresponding function page for the customer to fill in the detailed information). Figure 7 ,exist Figure 6 Based on the pressing and dragging action, determine to select the menu item of "7-day financial management", the system will rotate between the four amounts of "10.00", "20.00", "50.00" and "100.00" in the form of a turntable. If you let go when it turns to "100.00", the bank's 7-day financial management product will be purchased for the customer for an amount of 100 yuan.

[0080] In one embodiment of the present invention, the process of determining that a single touch action is dragging to a specific position and then releasing the touch action is as follows:

[0081] (1) Monitoring touch events: The front end of the mobile banking client monitors the user's touch actions on the mobile phone screen, including finger pressing, moving, and releasing;

[0082] (2) Detecting touch actions: The front end of the mobile banking client detects the user's touch actions, including touch duration and touch position;

[0083] (3) Determine whether it is a "drag to a specific position and release" operation: The front end of the mobile banking client will determine whether the user's single touch action meets the "drag to a specific position and release" condition, that is, on the one hand, the user drags the finger to a specific position and releases the finger at that position; on the other hand, it obtains the coordinates of the user's touch position (including the touch start position and the touch end position) to determine whether it is within the touch start position and touch end position range required by the operation menu displayed in this step, that is, whether the user wants to trigger the corresponding function;

[0084] (4) Sending touch events to the backend: If the operation is "drag to a specific location and release", the frontend of the mobile banking client will send this "drag to a specific location and release" event to the client backend;

[0085] (5) Processing touch events: After the client background receives the "drag to a specific position and release" event, it will perform corresponding processing according to specific needs and record information such as the touch duration and touch position after clicking and releasing, or directly trigger related functions or operations according to the requirements of this step.

[0086] 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.

[0087] The implementation of the mobile banking business operation device 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 a 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.

[0088] Based on the same inventive concept, the present invention also proposes a mobile banking business operation device, such as Figure 8 As shown, the device comprises:

[0089] The first display module 801 is used to display the initial interface of the mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements;

[0090] The action receiving module 802 is used to receive a press-and-drag action of the user on the initial interface; wherein the press-and-drag action is a single touch action;

[0091] A first determination module 803, configured to determine a menu item of a primary menu on which a business operation needs to be performed according to a starting point of a touch path of a press-and-drag action;

[0092] The second display module 804 is used to display the menu items of each submenu level by level to the user according to the touch path of the press-drag action under the menu item of the first-level menu where the business operation needs to be performed;

[0093] The second determination module 805 is used to determine the menu items of the last-level submenu that require business operations according to the end point of the touch path of the press-drag action, and when the press-drag action ends, send the business information that requires operations in the menu items of the last-level submenu to the server background for processing.

[0094] In one embodiment of the present invention, the action receiving module 802 is specifically used for:

[0095] Receive the user's touch position and touch duration on the initial interface;

[0096] A single touch action with a touch duration greater than a preset duration and a touch position change greater than a preset length is determined as a press-and-drag action.

[0097] In one embodiment of the present invention, it further includes:

[0098] The information display module is used to receive the user's touch position and touch duration on the initial interface. If the touch duration is less than the preset duration and the touch position change is less than the preset length, the account information is displayed to the user; wherein the account information includes: current deposit structure and current deposit income.

[0099] In one embodiment of the present invention, the second display module 804 is specifically used for:

[0100] Get the historical operation frequency of all menu items in submenus at all levels;

[0101] According to the historical operation frequency of all menu items in each submenu, a preset number of menu items in each submenu are selected;

[0102] Display the menu items filtered by each submenu level to the user step by step.

[0103] In one embodiment of the present invention, it further includes:

[0104] The advertising and marketing module is used to obtain the historical operation frequencies of all menu items in submenus at all levels, determine the business information of the menu item corresponding to the maximum historical operation frequency based on the historical operation frequencies of all menu items in submenus at all levels, and display business marketing advertisements related to the business information of the menu item corresponding to the maximum historical operation frequency to users in the blank space of the mobile banking interface.

[0105] In one embodiment of the present invention, it further includes:

[0106] The amount determination module is used to display the amount menu item to the user under the menu item of the last submenu where the business operation needs to be performed before sending the business information that needs to be operated in the menu item of the last submenu to the server background for processing when the pressing and dragging action ends; wherein an indicator mark is set on the amount menu item, and the indicator mark and the amount menu item rotate relative to each other at a preset rate; the indicator mark is used to select the amount on the amount menu item.

[0107] In one embodiment of the present invention, the second determining module 805 is specifically used for:

[0108] When the dragging action ends, stop the relative rotation between the indicator and the amount menu item to determine the business amount to be operated;

[0109] The business information that needs to be operated in the menu items of the last level submenu is sent to the server background for processing; the business information includes the business amount.

[0110] It should be noted that although several modules of the mobile banking business operation 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 embodied in one module. Conversely, the features and functions of one module described above can be further divided into multiple modules for embodiment.

[0111] Based on the above invention concept, Fig. 9 As shown, the present invention also proposes a computer device 900, including a memory 901, a processor 902, and a computer program 903 stored in the memory 901 and executable on the processor 902, wherein the processor 902 implements the aforementioned mobile banking business operation method when executing the computer program 903.

[0112] 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 mobile banking business operation method is implemented.

[0113] The mobile banking business operation method and device proposed in the embodiment of the present invention can solve the problems in the prior art that the business operation of mobile banking is complicated, the user's business handling efficiency is low, the time cost of customers learning business operations is high, and bank staff are often required to guide customers to perform business operations, which wastes a lot of manpower and affects the efficiency of bank business processing; the embodiment of the present invention displays the initial interface of mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements; receiving the user's press and drag action on the initial interface; wherein the press and drag action is a single touch action; according to the starting point of the touch path of the press and drag action, determining the menu item of the first-level menu that needs to be operated; under the menu item of the first-level menu that needs to be operated, according to the touch path of the press and drag action, displaying the menu items of each level of submenu to the user step by step; according to the end point of the touch path of the press and drag action, determining the menu item of the last level submenu that needs to be operated, and when the press and drag action ends, sending the business information that needs to be operated in the menu item of the last level submenu to the server background for processing. The embodiments of the present invention can complete mobile banking business operations through a single touch action, simplify the business operation process, reduce the time cost of customers learning business operations, and improve the efficiency of customers in handling business. There is no need for bank staff to guide customers in handling business, which saves labor costs, improves bank business processing efficiency, and improves user experience.

[0114] 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.

[0115] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), 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 produce 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.

[0116] 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.

[0117] 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.

[0118] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A mobile banking business operation method, characterized in that: include: Display the initial interface of mobile banking to the user; the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements; Receiving a press-and-drag action of the user on the initial interface; wherein the press-and-drag action is a single touch action; Determine the menu item of the first-level menu where the business operation needs to be performed according to the starting point of the touch path of the press-and-drag action; Under the menu items of the first-level menu where business operations are required, the menu items of each submenu are displayed to the user step by step according to the touch path of the press-and-drag action; According to the end point of the touch path of the press-and-drag action, the menu item of the last-level submenu that needs to be operated is determined, and when the press-and-drag action ends, the business information that needs to be operated in the menu item of the last-level submenu is sent to the server background for processing.

2. The method according to claim 1, characterized in that Receive the user's press-and-drag action on the initial interface, including: Receive the user's touch position and touch duration on the initial interface; A single touch action with a touch duration greater than a preset duration and a touch position change greater than a preset length is determined as a press-and-drag action.

3. The method according to claim 2, characterized in that After receiving the user's touch position and touch duration on the initial interface, it also includes: If the touch duration is less than the preset duration, and the touch position change is less than the preset length, the account information is displayed to the user; wherein the account information includes: current deposit structure, current deposit income.

4. The method according to claim 1, characterized in that: Display the menu items of each submenu level to the user, including: Get the historical operation frequency of all menu items in submenus at all levels; According to the historical operation frequency of all menu items in each submenu, a preset number of menu items in each submenu are selected; Display the menu items filtered by each submenu level to the user step by step.

5. The method according to claim 4, characterized in that After obtaining the historical operation frequency of all menu items in each level of submenu, it also includes: Based on the historical operation frequencies of all menu items in submenus at all levels, the business information of the menu item corresponding to the maximum historical operation frequency is determined, and business marketing advertisements related to the business information of the menu item corresponding to the maximum historical operation frequency are displayed to users in the blank space of the mobile banking interface.

6. The method according to claim 1, characterized in that When the dragging action ends, before sending the business information that needs to be operated in the menu items of the last level submenu to the server background for processing, it also includes: Under the menu item of the last-level submenu where business operations need to be performed, an amount menu item is displayed to the user; wherein an indicator mark is set on the amount menu item, and the indicator mark and the amount menu item rotate relative to each other at a preset rate; the indicator mark is used to select the amount on the amount menu item.

7. The method according to claim 6, characterized in that When the dragging action ends, the business information that needs to be operated in the menu items of the last level submenu is sent to the server background for processing, including: When the dragging action ends, stop the relative rotation between the indicator and the amount menu item to determine the business amount to be operated; The business information that needs to be operated in the menu items of the last level submenu is sent to the server background for processing; the business information includes the business amount.

8. A mobile banking business operation device, characterized in that: include: The first display module is used to display the initial interface of the mobile banking to the user; wherein the initial interface includes a first-level menu, and the menu items of the first-level menu are set according to business requirements; An action receiving module, used for receiving a press-and-drag action of a user on an initial interface; wherein the press-and-drag action is a single touch action; A first determination module, used to determine a menu item of a first-level menu that needs to perform a business operation according to a starting point of a touch path of a press-and-drag action; The second display module is used to display the menu items of each level of submenu to the user step by step according to the touch path of the press-and-drag action under the menu item of the first-level menu where the business operation needs to be performed; The second determination module is used to determine the menu items of the last-level submenu that require business operations according to the end point of the touch path of the press-drag action, and when the press-drag action ends, send the business information that requires operations in the menu items of the last-level submenu to the server background for processing.

9. 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 7 is implemented.

10. 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 7 is implemented.

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