The content of the invention
It is a primary object of the present invention to propose a kind of electric paying method and device, it is intended to which solving mobile terminal needs to showDifferent payment interfaces could be completed to pay or merchandise, it has not been convenient to the technical problem that user operates with.
To achieve the above object, a kind of electric paying method provided by the invention, the electric paying method include followingStep：
When receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, according to the branchPay acquisition request transaction numerical value；
Judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；
If the transaction numerical value is default less than or equal to first to exempt from close transaction limit, the transaction numerical value is delivered toWith the account of phone number binding.
Alternatively, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical valueThe step of being delivered to the account bound with the phone number includes：
With the phone number binding account be one when, by it is described transaction numerical value be delivered to the mobile phoneThe account of number binding；
When the account bound with the phone number is multiple, the account with phone number binding is shown；
When receiving the account selection instruction of user's triggering, account corresponding to the account selection instruction is obtained；
The transaction numerical value is delivered to account corresponding to the account selection instruction.
Alternatively, it is described according to the step of payment acquisition request transaction numerical value before, the electronic transaction branch is repaidIncluding：
Receive user based in mobile terminal addressbook phone number triggering payment request when, display with branchPay the payment account of square phone number binding；
When receiving the payment account selection instruction of user's triggering, obtain and propped up corresponding to the payment account selection instructionPay a bill family.
Alternatively, it is described judge the transaction numerical value whether be less than or equal to first default the step of exempting from close transaction limit itAfterwards, the electric paying method also includes：
If the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, by the transaction numerical value with it is default whenBetween historical trading numerical value in interval be added and obtain total transaction numerical value；
Judge whether total transaction numerical value is default less than or equal to second and exempt from close transaction limit, wherein, described first is pre-If exempting from, close transaction limit is default less than described second to exempt from close transaction limit；
If so, then perform the step of transaction numerical value is delivered to the account bound with the phone number；
If it is not, then the prompt message that close amount has surpassed is exempted from display.
Alternatively, the electric paying method also includes：
When the payment account for receiving user's triggering adds instruction, payment account inputting interface is shown；
When receiving the payment account that user is inputted based on the payment account inputting interface, by the payment account withPayer phone number is bound.
In addition, to achieve the above object, the present invention also provides a kind of payment devices, the payment devices bagInclude：
First acquisition module, for receiving payment of the user based on the phone number triggering in mobile terminal addressbookDuring request, according to the payment acquisition request transaction numerical value；
Judge module, exempt from close transaction limit for judging whether the transaction numerical value is default less than or equal to first；
Module is provided, exempts from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by the friendshipEasy numerical value is delivered to the account with phone number binding.
Alternatively, the granting module includes：
Issuing unit, for with the phone number binding account be one when, by it is described transaction numerical value grantingTo the account with phone number binding；
Display unit, for with the phone number binding account for it is multiple when, display with the cell-phone numberThe account of code binding；
Selecting unit, for when receiving the account selection instruction of user's triggering, obtaining the account selection instruction pairThe account answered；
The issuing unit, it is additionally operable to the transaction numerical value being delivered to account corresponding to the account selection instruction.
Alternatively, the payment devices also include：
The display module, it is additionally operable to receiving branch of the user based on the phone number triggering in mobile terminal addressbookWhen paying request, the payment account with the binding of payer phone number is shown；
Second acquisition module, for when receiving the payment account selection instruction of user's triggering, obtaining the branch and paying a billPayment account corresponding to the selection instruction of family.
Alternatively, the payment devices also include：
Summation module, exempt from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, user is defeatedThe transaction numerical value entered is added the total transaction numerical value of acquisition with the historical trading numerical value in prefixed time interval；
The judge module, is additionally operable to judge whether total transaction numerical value is less than or equal to second and default exempts from close turnoverDegree, wherein, described first default exempts from that close transaction limit is default less than described second to exempt from close transaction limit；
The granting module, if being additionally operable to, total transaction numerical value is default less than or equal to second to exempt from close transaction limit,The transaction numerical value is delivered to the account with phone number binding；
The display module, if being additionally operable to, total transaction numerical value is default more than second to exempt from close transaction limit, and display is exempted fromThe prompt message that close amount has surpassed.
Alternatively, the payment devices also include：
The display module, it is additionally operable to, when the payment account for receiving user's triggering adds instruction, show payment accountInputting interface；
Binding module, for when receiving the payment account that user is inputted based on the payment account inputting interface, inciting somebody to actionPayment account mobile terminal phone number corresponding with payment account addition instruction is bound.
The present invention receive user based in mobile terminal addressbook phone number triggering payment request when, according toThe payment acquisition request transaction numerical value, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit when, willThe transaction numerical value of user's input is delivered to the account with phone number binding, and user can select to receive in address list in this programmeThe phone number of money side carries out electronic transaction, convenient for the user to operate, and sets and exempt from close transaction limit, can be rapidly completed electronics friendshipEasily.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention can be used for mobile terminal, desktop computer and notebook computer etc..The mobile terminal include smart mobile phone andTablet personal computer etc..In the examples below, illustrated by taking smart mobile phone as an example.
The present invention provides a kind of electric paying method.
Reference picture 1, Fig. 1 are the schematic flow sheet of electric paying method first embodiment of the present invention.
In the present embodiment, the electric paying method includes：
Step S10, when receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, rootAccording to the payment acquisition request transaction numerical value；
The phone number is the phone number of beneficiary, and the account can be bank card account, points account, electronic offersCertificate account, Alipay account, wechat account and stored value card etc..The bank card account can be deposit card account and credit card accountFamily etc..
Smart mobile phone in receiving user based on mobile terminal addressbook phone number trigger payment request when, according toPayment acquisition request transaction numerical value.In specific implementation, after user selects the phone number in intelligent mobile phone address list, display shouldThe function choosing-item of phone number, such as SMS option, communication function option and payment function option, then selection pay work(Energy option triggering pays request, and now the smart mobile phone can show the inputting interface or input frame of transaction numerical value for this, and can be at thisThe transaction numerical value of different numerical value is shown in inputting interface or below input frame, is selected for user, i.e., user can directly input transactionNumerical value, also option trading numerical value inputted.User inputs transaction numerical value by the display interface, i.e., smart mobile phone, which receives, usesThe transaction numerical value of family input.
In another specific implementation, payment button is provided with smart mobile phone, after user touches or clicks on the payment button,Into in the address list of smart mobile phone, user can select phone number in address list, and request is paid so as to trigger.MoreIn specific implementation, the smart mobile phone can show the inputting interface of phone number, and now user can pass through smart mobile phone input handsetNumber, hence into payment interface.Certainly can enter the smart mobile phone address list when, carry out password authentification, only when withAfter the password of family input is by checking, in smart mobile phone ability entry communication record, so as to Transaction Safety.
Step S20, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit；
The first default transaction limit for exempting from close transaction limit for user to corresponding trading account mandate, such as bank card accountFamily, user exempt from close transaction limit to bank authorization, acquisition.Certainly in other trading accounts, user is also needed to corresponding transactionAccount authorization exempts from close transaction limit corresponding to could obtaining.The payment acquisition request number of deals that the smart mobile phone triggers according to userAfter value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit., can be in the intelligence in specific implementationShown in the display interface of mobile phone this first it is default exempt from close transaction limit, and after the completion of each transaction, what real-time update was shownExempt from close transaction limit, be easy to user to know to exempt from the surplus value of close transaction limit when numerical value is merchandised in input.
Step S30, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical valueIt is delivered to the account with phone number binding.
The smart mobile phone finds that transaction numerical value that user inputs is less than or equal to this and first default exempts from close transaction by verifyingAmount, the transaction numerical value that user inputs now is delivered to the account with phone number binding, so as to complete electronic transaction.ToolDuring body is implemented, when the transaction numerical value exempts from close transaction limit more than first, password authentification interface can be shown in smart mobile phone, whenAfter the password of user's input is by checking, the transaction numerical value that user inputs is delivered to the account with phone number binding.WhenIt so also can control smart mobile phone to exit this electronic transaction, and show the prompt message of this electronic transaction failure.
In the present embodiment, smart mobile phone of the present invention is receiving user based on the phone number in mobile terminal addressbookDuring the payment request of triggering, according to the payment acquisition request transaction numerical value, and it is less than or equal in the transaction numerical value and exempts from close friendshipDuring easy amount, the transaction numerical value that user inputs is delivered to the account with phone number binding, this programme by address list andElectronic transaction is combined, and smart mobile phone need not show different payment interfaces, facilitates user's selection when carrying out electronic transactionPhone number, and set and exempt from close transaction limit, electronic transaction can be rapidly completed.
Further, reference picture 2, can be obtained in electric paying method second embodiment of the present invention based on above-mentioned first embodimentThe refinement schematic flow sheet of the step S30, in the present embodiment, the step S30 include：
Step S31, with the phone number binding account be one when, by it is described transaction numerical value be delivered toThe account of the phone number binding；
Step S32, when the account bound with the phone number is multiple, display is bound with the phone numberAccount；
Step S33, when receiving the account selection instruction of user's triggering, obtain account corresponding to the account selection instructionFamily；
Step S34, the transaction numerical value is delivered to account corresponding to the account selection instruction.
The smart mobile phone judges whether the transaction numerical value is less than or equal to the after the transaction numerical value of user's input is receivedOne it is default exempt from close transaction limit, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, and with thisWhen the account of phone number binding is one, the transaction numerical value is delivered to the account with phone number binding, andWith the account of phone number binding for it is multiple when, the display account with phone number binding, now user can beThe account being traded is selected in the binding account of display, when the smart mobile phone is receiving the account selection instruction of user's triggeringWhen, select account selection instruction corresponding to account, and by user input transaction numerical value be delivered to user select and withThe account of phone number binding.In specific implementation, the account with phone number binding can be zero, be when the accountDuring zero, the smart mobile phone display reminding information, when the account is multiple, the selection of smart mobile phone selection user's triggering refers toAccount corresponding to order, and the number of each account of user's selection is recorded, and descending arrangement is carried out according to the number, in cell-phone numberAfter code locking, the account after arrangement is shown.
In the present embodiment, the present invention exempts from close transaction limit in the transaction numerical value of user's input less than or equal to first, andWhen the account bound with the phone number is one, the transaction numerical value is delivered to what is bound with the phone numberAccount, and when the account bound with the phone number is multiple, show the account with phone number binding, Ran HouWhen receiving the account selection instruction of user's triggering, account corresponding to acquisition, and the transaction numerical value that user is inputted is delivered to useFamily selection, and it is convenient by showing the account bound with the phone number with the account of phone number binding, this programmeUser selects.
Further, reference picture 3, it is real that electric paying method the 3rd of the present invention can be obtained based on above-mentioned first or second embodimentsThe schematic flow sheet of example is applied, in the present embodiment, before the step S10, the electric paying method also includes：
Step S40, when receiving payment request of the user based on the phone number triggering in mobile terminal addressbook, showShow the payment account with the binding of payer phone number；
Step S50, when receiving the payment account selection instruction of user's triggering, obtain the payment account selection instructionCorresponding payment account.
The smart mobile phone receive user based in mobile terminal addressbook phone number triggering payment request when,The payment account that display has been bound with payer phone number, in specific implementation, the payer phone number can be the intelligenceThe loCal number of mobile phone, or the other phone numbers being in the possession of the user of the input of user.Now receiving useDuring the payment account selection instruction of the triggering at family, the smart mobile phone obtains payment account corresponding to the payment account selection instruction,Then according to payment acquisition request transaction numerical value, and preset in the transaction numerical value less than or equal to first and exempt from close transaction limitWhen, the transaction numerical value is delivered to the account with phone number binding.
In the present embodiment, branch of the smart phone user of the present invention based on the phone number triggering in mobile terminal addressbookWhen paying request, the payment account with the binding of payer phone number is shown, is then obtaining the payment account choosing of user's triggeringWhen selecting instruction, payment account corresponding to acquisition, then according to payment acquisition request transaction numerical value, and it is less than in the transaction numerical valueOr equal to first it is default exempt from close transaction limit when, produce the transaction numerical value from the payment account, and to the phone numberThe transaction numerical value is transferred in the account of binding, this programme is by showing the payment account bound with payer phone number, justPayment account is selected in user.
Further, reference picture 4, electric paying method of the present invention can be obtained based on above-mentioned first, second or third embodimentThe schematic flow sheet of fourth embodiment, in the present embodiment, after the step S20, the electric paying method also includes：
Step S60, if the transaction numerical value is default less than or equal to first to exempt from close transaction limit, by the transaction numerical valueThe total transaction numerical value of acquisition is added with the historical trading numerical value in prefixed time interval；
Step S70, judge whether total transaction numerical value is default less than or equal to second and exempt from close transaction limit, wherein, instituteState first and default exempt from that close transaction limit is default less than described second to exempt from close transaction limit；
If always transaction numerical value is default less than or equal to second exempts from close transaction limit, step S30 is performed, described will be merchandisedNumerical value is delivered to the account with phone number binding；
Step S80, if always transaction numerical value is default more than second exempts from close transaction limit, the prompting that close amount has surpassed is exempted from displayInformation.
This first default exempted from close transaction limit and second default exempts from close transaction limit less than this.The smart mobile phone is receiving useAfter family input transaction numerical value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit, if transaction numerical valueThe historical trading numerical value exempted from close transaction limit, then obtain in prefixed time interval default less than or equal to first, and this is merchandisedNumerical value is added the total transaction numerical value of acquisition with the historical trading numerical value.In specific implementation, it is not present, that is, uses in the historical trading numerical valueWhen family inputs transaction numerical value for the first time, the transaction numerical value that numerical value is user's input of always merchandising.Then total transaction numerical value is judgedWhether less than or equal to second close transaction limit is exempted from, if total transaction numerical value exempts from close transaction limit less than or equal to second,The transaction numerical value is delivered to the account with phone number binding, if total transaction numerical value is more than this and second exempts from close transactionThe prompt message that close amount has surpassed is exempted from amount, then display.In specific implementation, exempt from close transaction limit more than second in always transaction numerical valueWhen, password authentification can be carried out, after being verified, can proceed with transaction, by the transaction numerical value be delivered to the phone numberThe account of binding.
In the present embodiment, the present invention is preset in the transaction numerical value of user's input less than or equal to first exempts from close transaction limitWhen, the historical trading numerical value in prefixed time interval is obtained, and the transaction numerical value is added acquisition always with the historical trading numerical valueMerchandise numerical value, then judging whether total numerical value of merchandising less than or equal to second exempts from close transaction limit, if total transaction numerical valueExempt from close transaction limit less than or equal to second, then the transaction numerical value is delivered to the account with phone number binding, if alwaysTransaction numerical value exempts from close transaction limit more than second, then the prompt message of close Fail Transaction is exempted from display, and this programme is by setting total hand overThe transaction numerical value exempted from close transaction limit, electronic transaction can be limited of easy numerical value, ensure the safety of account.
Further, reference picture 5, electric paying method of the present invention can be obtained based on above-mentioned first, second, third or the 4thThe schematic flow sheet of five embodiments, in the present embodiment, the electric paying method also include：
Step S90, when the payment account for receiving user's triggering adds instruction, show payment account inputting interface；
Step S100, when receiving the payment account that user is inputted based on the payment account inputting interface, by described inPayment account mobile terminal phone number corresponding with payment account addition instruction is bound.
When user need to add new binding payment account, it can be operated in smart mobile phone, triggering payment account additionInstruction, as the smart mobile phone display interface in show payment account addition button, when user clicks on or touches the branch and pays a billWhen family is added, triggering payment account addition instruction.The smart mobile phone will currently show boundary when receiving account addition instructionFace switches and is shown as payment account inputting interface, and in the payment for receiving user and being inputted based on the payment account inputting interfaceDuring account, payment account mobile terminal phone number corresponding with payment account addition instruction is bound.It is specific realShi Zhong, the binding of new payment account and mobile terminal phone number can be carried out in payment process, can in advance will certainly in idleNew payment account is bound with mobile terminal phone number.
In the present embodiment, the smart mobile phone of the invention shows when the payment account for receiving user's triggering adds instructionShow display payment account inputting interface, then in the payment account for receiving user and being inputted based on the payment account inputting interfaceWhen, payment account mobile terminal phone number corresponding with payment account addition instruction is bound, this programme is propping upWhen paying square phone number and unbound trading account, the binding of payer phone number and account can be rapidly completed.
The present invention further provides a kind of payment devices.
Reference picture 6, Fig. 6 are the high-level schematic functional block diagram of payment devices first embodiment of the present invention.
In the present embodiment, the payment devices include：
First acquisition module 10, for receiving branch of the user based on the phone number triggering in mobile terminal addressbookWhen paying request, according to the payment acquisition request transaction numerical value；
The phone number is the phone number of beneficiary, and the account can be bank card account, points account, electronic offersCertificate account, Alipay account, wechat account and stored value card etc..The bank card account can be deposit card account and credit card accountFamily etc..
Smart mobile phone in receiving user based on mobile terminal addressbook phone number trigger payment request when, according toPayment acquisition request transaction numerical value.In specific implementation, after user selects the phone number in intelligent mobile phone address list, display shouldThe function choosing-item of phone number, such as SMS option, communication function option and payment function option, then selection pay work(Energy option triggering pays request, and now the smart mobile phone can show the inputting interface or input frame of transaction numerical value for this, and can be at thisThe transaction numerical value of different numerical value is shown in inputting interface or below input frame, is selected for user, i.e., user can directly input transactionNumerical value, also option trading numerical value inputted.After user inputs transaction numerical value by the display interface, i.e., smart mobile phone receivesThe transaction numerical value of user's input.
In another specific implementation, payment button is provided with smart mobile phone, after user touches or clicks on the payment button,Into in the address list of smart mobile phone, user can select phone number in address list, and request is paid so as to trigger.MoreIn specific implementation, the smart mobile phone can show the inputting interface of phone number, and now user can pass through smart mobile phone input handsetNumber, hence into payment interface.Certainly can enter the smart mobile phone address list when, carry out password authentification, only when withAfter the password of family input is by checking, in smart mobile phone ability entry communication record, so as to Transaction Safety.
Judge module 20, exempt from close transaction limit for judging whether the transaction numerical value is default less than or equal to first；
The first default transaction limit for exempting from close transaction limit for user to corresponding trading account mandate, such as bank card accountFamily, user exempt from close transaction limit to bank authorization, acquisition.Certainly in other trading accounts, user is also needed to corresponding transactionAccount authorization exempts from close transaction limit corresponding to could obtaining.The payment acquisition request number of deals that the smart mobile phone triggers according to userAfter value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit., can be in the intelligence in specific implementationShown in the display interface of mobile phone this first it is default exempt from close transaction limit, and after the completion of each transaction, what real-time update was shownExempt from close transaction limit, be easy to user to know to exempt from the surplus value of close transaction limit when numerical value is merchandised in input.
Module 30 is provided, exempts from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by described inTransaction numerical value is delivered to the account with phone number binding.
The smart mobile phone finds that transaction numerical value that user inputs is less than or equal to this and first default exempts from close transaction by verifyingAmount, the transaction numerical value that user inputs now is delivered to the account with phone number binding, so as to complete electronic transaction.ToolDuring body is implemented, when the transaction numerical value exempts from close transaction limit more than first, password authentification interface can be shown in smart mobile phone, whenAfter the password of user's input is by checking, the transaction numerical value that user inputs is delivered to the account with phone number binding.WhenIt so also can control smart mobile phone to exit this electronic transaction, and show the prompt message of this electronic transaction failure.
In the present embodiment, smart mobile phone of the present invention is receiving user based on the phone number in mobile terminal addressbookDuring the payment request of triggering, according to the payment acquisition request transaction numerical value, and it is less than or equal in the transaction numerical value and exempts from close friendshipDuring easy amount, the transaction numerical value that user inputs is delivered to the account with phone number binding, this programme by address list andElectronic transaction is combined, and smart mobile phone need not show different payment interfaces, facilitates user's selection when carrying out electronic transactionPhone number, and set and exempt from close transaction limit, electronic transaction can be rapidly completed.
Further, reference picture 7, can be obtained in payment devices second embodiment of the present invention based on above-mentioned first embodimentThe refinement high-level schematic functional block diagram for providing module 30, in the present embodiment, the granting module 30 include：
Issuing unit 31, for when the account bound with the phone number is one, the transaction numerical value to be sent outPut to the account with phone number binding；
Display unit 32, for with the phone number binding account for it is multiple when, display with the mobile phoneThe account of number binding；
Selecting unit 33, for when receiving the account selection instruction of user's triggering, obtaining the account selection instructionCorresponding account；
The issuing unit 31, it is additionally operable to the transaction numerical value being delivered to account corresponding to the account selection instruction.
The smart mobile phone judges whether the transaction numerical value is less than or equal to the after the transaction numerical value of user's input is receivedOne it is default exempt from close transaction limit, then the transaction numerical value be less than or equal to first it is default exempt from close transaction limit, and with thisWhen the account of phone number binding is one, the transaction numerical value is delivered to the account with phone number binding, andWith the account of phone number binding for it is multiple when, the display account with phone number binding, now user can beThe account being traded is selected in the binding account of display, when the smart mobile phone is receiving the account selection instruction of user's triggeringWhen, select account selection instruction corresponding to account, and by user input transaction numerical value be delivered to user select and withThe account of phone number binding.In specific implementation, the account with phone number binding can be zero, be when the accountDuring zero, the smart mobile phone display reminding information, when the account is multiple, the selection of smart mobile phone selection user's triggering refers toAccount corresponding to order, and the number of each account of user's selection is recorded, and descending arrangement is carried out according to the number, in cell-phone numberAfter code locking, the account after arrangement is shown.
In the present embodiment, the present invention exempts from close transaction limit in the transaction numerical value of user's input less than or equal to first, andWhen the account bound with the phone number is one, the transaction numerical value is delivered to what is bound with the phone numberAccount, and when the account bound with the phone number is multiple, show the account with phone number binding, Ran HouWhen receiving the account selection instruction of user's triggering, account corresponding to acquisition, and the transaction numerical value that user is inputted is delivered to useFamily selection, and it is convenient by showing the account bound with the phone number with the account of phone number binding, this programmeUser selects.
Further, reference picture 8, it is real that payment devices the 3rd of the present invention can be obtained based on above-mentioned first or second embodimentsThe high-level schematic functional block diagram of example is applied, in the present embodiment, the payment devices also include：
Display module 40, for receive user based in mobile terminal addressbook phone number triggering payment pleaseWhen asking, the payment account with the binding of payer phone number is shown；
Second acquisition module 50, for when receiving the payment account selection instruction of user's triggering, obtaining the paymentPayment account corresponding to account selection instruction.
The smart mobile phone receive user based in mobile terminal addressbook phone number triggering payment request when,The payment account that display has been bound with payer phone number, in specific implementation, the payer phone number can be the intelligenceThe loCal number of mobile phone, or the other phone numbers being in the possession of the user of the input of user.Now receiving useDuring the payment account selection instruction of the triggering at family, the smart mobile phone obtains payment account corresponding to the payment account selection instruction,Then according to payment acquisition request transaction numerical value, and preset in the transaction numerical value less than or equal to first and exempt from close transaction limitWhen, the transaction numerical value is delivered to the account with phone number binding.
In the present embodiment, branch of the smart phone user of the present invention based on the phone number triggering in mobile terminal addressbookWhen paying request, the payment account with the binding of payer phone number is shown, is then obtaining the payment account choosing of user's triggeringWhen selecting instruction, payment account corresponding to acquisition, then according to payment acquisition request transaction numerical value, and it is less than in the transaction numerical valueOr equal to first it is default exempt from close transaction limit when, produce the transaction numerical value from the payment account, and to the phone numberThe transaction numerical value is transferred in the account of binding, this programme is by showing the payment account bound with payer phone number, justPayment account is selected in user.
Further, reference picture 9, payment devices of the present invention can be obtained based on above-mentioned first, second or third embodimentThe high-level schematic functional block diagram of fourth embodiment, in the present embodiment, the payment devices also include：
Summation module 60, exempt from close transaction limit if being less than or equal to first for the transaction numerical value and presetting, by userThe transaction numerical value of input is added the total transaction numerical value of acquisition with the historical trading numerical value in prefixed time interval；
The judge module 20, is additionally operable to judge whether total transaction numerical value is less than or equal to second and default exempts from close transactionAmount, wherein, described first default exempts from that close transaction limit is default less than described second to exempt from close transaction limit；
The granting module 30, if being additionally operable to, total transaction numerical value is default less than or equal to second to exempt from close transaction limit,The transaction numerical value is then delivered to the account with phone number binding；
The display module 40, if being additionally operable to, total transaction numerical value is default more than second to exempt from close transaction limit, showsExempt from the prompt message that close amount has surpassed.
This first default exempted from close transaction limit and second default exempts from close transaction limit less than this.The smart mobile phone is receiving useAfter family input transaction numerical value, judge whether the transaction numerical value is default less than or equal to first and exempt from close transaction limit, if transaction numerical valueThe historical trading numerical value exempted from close transaction limit, then obtain in prefixed time interval default less than or equal to first, and this is merchandisedNumerical value is added the total transaction numerical value of acquisition with the historical trading numerical value.In specific implementation, it is not present, that is, uses in the historical trading numerical valueWhen family inputs transaction numerical value for the first time, the transaction numerical value that numerical value is user's input of always merchandising.Then total transaction numerical value is judgedWhether less than or equal to second close transaction limit is exempted from, if total transaction numerical value exempts from close transaction limit less than or equal to second,The transaction numerical value is delivered to the account with phone number binding, if total transaction numerical value is more than this and second exempts from close transactionThe prompt message that close amount has surpassed is exempted from amount, then display.In specific implementation, exempt from close transaction limit more than second in always transaction numerical valueWhen, password authentification can be carried out, after being verified, can proceed with transaction, by the transaction numerical value be delivered to the phone numberThe account of binding.
In the present embodiment, the present invention is preset in the transaction numerical value of user's input less than or equal to first exempts from close transaction limitWhen, the historical trading numerical value in prefixed time interval is obtained, and the transaction numerical value is added acquisition always with the historical trading numerical valueMerchandise numerical value, then judging whether total numerical value of merchandising less than or equal to second exempts from close transaction limit, if total transaction numerical valueExempt from close transaction limit less than or equal to second, then the transaction numerical value is delivered to the account with phone number binding, if alwaysTransaction numerical value exempts from close transaction limit more than second, then the prompt message of close Fail Transaction is exempted from display, and this programme is by setting total hand overThe transaction numerical value exempted from close transaction limit, electronic transaction can be limited of easy numerical value, ensure the safety of account.
Further, reference picture 10, payment devices of the present invention can be obtained based on above-mentioned first, second, third or the 4thThe high-level schematic functional block diagram of 5th embodiment, in the present embodiment, the payment devices also include：
The display module 40, it is additionally operable to when the payment account for receiving user's triggering adds instruction, display branch is paid a billFamily inputting interface；
Binding module 70, for when receiving the payment account that user is inputted based on the payment account inputting interface,The payment account and payer phone number are bound.
When user need to add new binding payment account, it can be operated in smart mobile phone, triggering payment account additionInstruction, as the smart mobile phone display interface in show payment account addition button, when user clicks on or touches the branch and pays a billWhen family is added, triggering payment account addition instruction.The smart mobile phone will currently show boundary when receiving account addition instructionFace switches and is shown as payment account inputting interface, and in the payment for receiving user and being inputted based on the payment account inputting interfaceDuring account, payment account mobile terminal phone number corresponding with payment account addition instruction is bound.It is specific realShi Zhong, the binding of new payment account and mobile terminal phone number can be carried out in payment process, can in advance will certainly in idleNew payment account is bound with mobile terminal phone number.
In the present embodiment, the smart mobile phone of the invention shows when the payment account for receiving user's triggering adds instructionShow display payment account inputting interface, then in the payment account for receiving user and being inputted based on the payment account inputting interfaceWhen, payment account mobile terminal phone number corresponding with payment account addition instruction is bound, this programme is propping upWhen paying square phone number and unbound trading account, the binding of payer phone number and account can be rapidly completed.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hairThe equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skillsArt field, is included within the scope of the present invention.