TWI868491B - Information search method, device, equipment and computer-readable storage medium - Google Patents

Abstract

Translated fromChinese

本發明公開了一種資訊查詢方法、裝置、設備及電腦可讀存儲介質。該資訊查詢方法包括獲取目標應用程式中登錄帳號對應的使用者身份資訊；接收使用者用於查詢帳戶資訊的第一輸入；回應於第一輸入，向應用伺服器發送資訊查詢請求，其中，資訊查詢請求中包括使用者身份資訊，資訊查詢請求用於指示應用伺服器根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，帳戶資訊包括支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；接收應用伺服器發送的帳戶資訊；顯示帳戶資訊。根據本申請實施例，可以簡化使用者查詢支付帳戶資訊的操作流程，提升使用者體驗。The invention discloses an information query method, device, equipment and computer-readable storage medium. The information query method includes obtaining user identity information corresponding to a login account in a target application; receiving a first input from a user for querying account information; in response to the first input, sending an information query request to an application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account; receiving the account information sent by the application server; and displaying the account information. According to this application embodiment, the operation process of users querying payment account information can be simplified, improving the user experience.

Description

Translated fromChinese

資訊查詢方法、裝置、設備及電腦可讀存儲介質Information search method, device, equipment and computer-readable storage medium

本發明屬於金融技術領域，尤其涉及一種資訊查詢方法、裝置、設備及電腦可讀存儲介質。The present invention belongs to the field of financial technology, and in particular relates to an information inquiry method, device, equipment and computer-readable storage medium.

隨著各類金融機構越來越多，使用者在不同金融機構開通的支付帳戶也越來越多，而一些支付帳戶由於開通後不經常使用，被使用者遺忘，甚至被不法分子用於進行其他非法活動，影響使用者信用值。因此，如何為使用者提供便利的支付帳戶管理服務，成為亟待解決的問題。As more and more financial institutions of various types are opening more and more payment accounts in different financial institutions, some payment accounts are forgotten by users because they are not used frequently after opening, and are even used by criminals for other illegal activities, affecting the credit value of users. Therefore, how to provide users with convenient payment account management services has become an urgent problem to be solved.

通常使用者若想查到自己名下的所有支付帳戶的相關資訊，需要登錄到每一個支付帳戶對應的金融機構的網站或App(Application，應用程式)才能獲取到相應的支付帳戶的資訊。這樣，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，就會導致查詢操作的流程過於複雜繁瑣。Usually, if a user wants to check the relevant information of all payment accounts under his name, he needs to log in to the website or App (Application) of each financial institution corresponding to each payment account to obtain the corresponding payment account information. In this way, if the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the query operation process will be too complicated and cumbersome.

本發明實施例提供一種資訊查詢方法、裝置、設備及電腦可讀存儲介質，能夠簡化使用者查詢支付帳戶資訊的操作流程，提升使用者體驗。The embodiments of the present invention provide an information query method, device, equipment and computer-readable storage medium, which can simplify the operation process of users querying payment account information and enhance the user experience.

第一方面，本發明實施例提供一種資訊查詢方法，應用於終端設備，該方法包括：In the first aspect, an embodiment of the present invention provides an information query method, which is applied to a terminal device, and the method includes:

獲取目標應用程式中登錄帳號對應的使用者身份資訊；Obtain the user identity information corresponding to the login account in the target application;

接收使用者用於查詢帳戶資訊的第一輸入；Receive the first input from the user for querying account information;

回應於所述第一輸入，向應用伺服器發送資訊查詢請求，其中，所述資訊查詢請求中包括所述使用者身份資訊，所述資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；In response to the first input, an information query request is sent to the application server, wherein, the information query request includes the user identity information, and the information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account;

接收所述應用伺服器發送的所述帳戶資訊；Receive the account information sent by the application server;

顯示所述帳戶資訊。Displays the account information.

第二方面，本發明實施例提供一種資訊查詢方法，應用於應用伺服器，該方法包括：In the second aspect, an embodiment of the present invention provides an information query method applied to an application server, the method comprising:

接收終端設備發送的資訊查詢請求，其中，所述資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；Receive an information query request sent by a terminal device, wherein the information query request includes user identity information corresponding to the login account in the target application;

回應於所述資訊查詢請求，根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；In response to the information query request, query the account information corresponding to the payment accounts opened by the user at multiple payment institutions based on the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account;

向所述終端設備發送所述帳戶資訊。Send the account information to the terminal device.

第三方面，本發明實施例提供了一種資訊查詢裝置，應用於終端設備，該裝置包括：In the third aspect, an embodiment of the present invention provides an information query device, which is applied to a terminal device, and the device includes:

身份獲取模組，用於獲取目標應用程式中登錄帳號對應的使用者身份資訊；Identity acquisition module, used to obtain the user identity information corresponding to the login account in the target application;

第一接收模組，用於接收使用者用於查詢帳戶資訊的第一輸入；The first receiving module is used to receive the first input from the user for querying account information;

請求發送模組，用於回應於所述第一輸入，向應用伺服器發送資訊查詢請求，其中，所述資訊查詢請求中包括所述使用者身份資訊，所述資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；A request sending module, used to respond to the first input and send an information query request to the application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account;

資訊接收模組，用於接收所述應用伺服器發送的所述帳戶資訊；Information receiving module, used to receive the account information sent by the application server;

資訊顯示模組，用於顯示所述帳戶資訊。Information display module, used to display the account information.

第四方面，本發明實施例提供了一種資訊查詢裝置，應用於應用伺服器，該裝置包括：In a fourth aspect, an embodiment of the present invention provides an information query device, which is applied to an application server, and the device includes:

請求接收模組，用於接收終端設備發送的資訊查詢請求，其中，所述資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；A request receiving module, used to receive an information query request sent by a terminal device, wherein the information query request includes the user identity information corresponding to the login account in the target application;

資訊查詢模組，用於回應於所述資訊查詢請求，根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；An information query module, used to respond to the information query request and query the account information corresponding to the payment accounts opened by the user at multiple payment institutions according to the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account;

資訊發送模組，用於向所述終端設備發送所述帳戶資訊。The information sending module is used to send the account information to the terminal device.

第五方面，本發明實施例提供了一種電子設備，該電子設備包括：處理器以及存儲有電腦程式指令的記憶體；In a fifth aspect, an embodiment of the present invention provides an electronic device, which includes: a processor and a memory storing computer program instructions;

處理器執行所述電腦程式指令時實現如第一方面的任一項實施例中所述的資訊查詢方法的步驟。When the processor executes the computer program instructions, the steps of the information query method described in any one of the embodiments of the first aspect are implemented.

第六方面，本發明實施例提供了一種電腦可讀存儲介質，電腦可讀存儲介質上存儲有電腦程式指令，電腦程式指令被處理器執行時實現如第一方面的任一項實施例中所述的資訊查詢方法的步驟。In the sixth aspect, the embodiment of the present invention provides a computer-readable storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the steps of the information query method described in any one of the embodiments of the first aspect are implemented.

本發明實施例中的資訊查詢方法、裝置、設備及電腦可讀存儲介質，通過獲取目標應用程式中登錄帳號的使用者身份資訊，進而在使用者觸發查詢操作時，利用該使用者身份資訊向應用伺服器發送資訊查詢請求，以使應用伺服器根據該使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，進而在終端設備上顯示不同支付機構對應的多個支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項資訊，如此，可實現一鍵查詢多個支付帳戶資訊的功能，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，也能通過一鍵查詢方式快速查到使用者名下的支付帳戶資訊，簡化使用者查詢支付帳戶時所需的使用者操作流程，提升使用者體驗。The information query method, device, equipment and computer-readable storage medium in the embodiment of the present invention obtain the user identity information of the login account in the target application, and then use the user identity information to send an information query request to the application server when the user triggers the query operation, so that the application server queries the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, and then displays different payment institutions on the terminal device. At least one of the account quantity, balance information and billing information of multiple payment accounts corresponding to the payment institution can be obtained. In this way, the function of querying multiple payment account information can be realized with one click. When the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the payment account information under the user's name can be quickly found through one-click query. This simplifies the user operation process required for users to query payment accounts and improves the user experience.

10:終端設備10: Terminal equipment

11:應用伺服器11: Application Server

12:機構伺服器12: Institutional server

2800,2900:資訊查詢裝置2800,2900: Information query device

2801:身份獲取模組2801: Identity acquisition module

2802:第一接收模組2802: First receiving module

2803:請求發送模組2803: Request to send module

2804:資訊接收模組2804: Information receiving module

2805:資訊顯示模組2805: Information display module

2901:請求接收模組2901: Request receiving module

2902:資訊查詢模組2902: Information query module

2903:資訊發送模組2903: Information sending module

3000:電子設備3000: Electronic equipment

3001:處理器3001:Processor

3002:記憶體3002:Memory

3003:通信介面3003: Communication interface

3010:匯流排3010:Bus

31:“申請查詢”按鈕31: "Apply for inquiry" button

32:使用者身份資訊32: User identity information

33:自訂選擇按鈕33: Customize selection button

34:授權提示資訊34: Authorization prompt information

S201,S202,S203,S204,S205,S206,S207,S208,S209,S210,S220,S230,S240,S250,S2501,S2502,S2503,S2610,S2620,S2630:步驟S201,S202,S203,S204,S205,S206,S207,S208,S209,S210,S220,S230,S240,S250,S2501,S2502,S2503,S2610,S2620,S2630: Steps

為了更清楚地說明本發明實施例的技術方案，下面將對本發明實施例中所需要使用的圖式作簡單的介紹，對於本領域普通技術人員來講，在不付出創造性勞動的前提下，還可以根據這些圖式獲得其他的圖式。In order to more clearly explain the technical solution of the embodiment of the present invention, the following will briefly introduce the diagrams required for use in the embodiment of the present invention. For ordinary technicians in this field, other diagrams can be obtained based on these diagrams without creative labor.

圖1是本發明實施例提供的資訊查詢系統的一示例的架構圖；Figure 1 is a schematic diagram of an example of an information query system provided by an embodiment of the present invention;

圖2是本發明第一方面提供的資訊查詢方法的一實施例的流程示意圖；Figure 2 is a schematic diagram of the process of an embodiment of the information query method provided by the first aspect of the present invention;

圖3是本發明實施例提供的資訊查詢頁面的一示例的示意圖；Figure 3 is a schematic diagram of an example of an information query page provided by an embodiment of the present invention;

圖4是本發明實施例提供的銀行查詢頁面的一示例的示意圖；Figure 4 is a schematic diagram of an example of a bank inquiry page provided by an embodiment of the present invention;

圖5是本發明實施例提供的協定顯示頁面的一示例的示意圖；Figure 5 is a schematic diagram of an example of a protocol display page provided by an embodiment of the present invention;

圖6是本發明實施例提供的授權提示頁面的一示例的示意圖；Figure 6 is a schematic diagram of an example of an authorization prompt page provided by an embodiment of the present invention;

圖7是本發明實施例提供的支付密碼驗證頁面的一示例的示意圖；Figure 7 is a schematic diagram of an example of a payment password verification page provided by an embodiment of the present invention;

圖8是本發明實施例提供的人臉資訊採集頁面的一示例的示意圖；Figure 8 is a schematic diagram of an example of a face information collection page provided by an embodiment of the present invention;

圖9是本發明實施例提供的發明回饋頁面的一示例的示意圖；Figure 9 is a schematic diagram of an example of the invention feedback page provided by an embodiment of the present invention;

圖10是本發明實施例提供的查詢記錄頁面的一示例的示意圖；Figure 10 is a schematic diagram of an example of a query record page provided by an embodiment of the present invention;

圖11是本發明實施例提供的查詢記錄頁面的另一示例的示意圖；Figure 11 is a schematic diagram of another example of a query record page provided by an embodiment of the present invention;

圖12是本發明實施例提供的報告詳情頁面的一示例的示意圖；Figure 12 is a schematic diagram of an example of a report details page provided by an embodiment of the present invention;

圖13是本發明第一方面提供的資訊查詢方法的另一實施例的流程示意圖；Figure 13 is a schematic diagram of the process of another embodiment of the information query method provided by the first aspect of the present invention;

圖14是本發明實施例提供的認證提示介面的一示例的示意圖；Figure 14 is a schematic diagram of an example of an authentication prompt interface provided by an embodiment of the present invention;

圖15是本發明實施例提供的不支援查詢提示介面的一示例的示意圖；Figure 15 is a schematic diagram of an example of an unsupported query prompt interface provided by an embodiment of the present invention;

圖16是本發明第一方面提供的資訊查詢方法的又一實施例的流程示意圖；Figure 16 is a schematic diagram of the process of another embodiment of the information query method provided by the first aspect of the present invention;

圖17是本發明實施例提供的消息提示頁面的一示例的示意圖；Figure 17 is a schematic diagram of an example of a message prompt page provided by an embodiment of the present invention;

圖18是本發明實施例提供的報告詳情頁面顯示部分資訊的一示例的示意圖；Figure 18 is a schematic diagram of an example of a report detail page displaying partial information provided by an embodiment of the present invention;

圖19是本發明實施例提供的積點使用提示介面的一示例的示意圖；Figure 19 is a schematic diagram of an example of a points usage prompt interface provided by an embodiment of the present invention;

圖20是本發明實施例提供的支付成功回饋介面的一示例的示意圖；Figure 20 is a schematic diagram of an example of a successful payment feedback interface provided by an embodiment of the present invention;

圖21是本發明實施例提供的信箱位址輸入頁面的一示例的示意圖；Figure 21 is a schematic diagram of an example of a mailbox address input page provided by an embodiment of the present invention;

圖22是本發明實施例提供的信箱位址確認頁面的一示例的示意圖；Figure 22 is a schematic diagram of an example of a mailbox address confirmation page provided by an embodiment of the present invention;

圖23是本發明實施例提供的回饋資訊提示頁面的一示例的示意圖；Figure 23 is a schematic diagram of an example of a feedback information prompt page provided by an embodiment of the present invention;

圖24是本發明實施例提供的查詢記錄頁面的又一示例的示意圖；Figure 24 is a schematic diagram of another example of a query record page provided by an embodiment of the present invention;

圖25是本發明實施例提供的查詢記錄頁面的再一示例的示意圖；Figure 25 is a schematic diagram of another example of a query record page provided by an embodiment of the present invention;

圖26是本發明第二方面提供的資訊查詢方法的一實施例的流程示意圖；Figure 26 is a schematic diagram of the process of an embodiment of the information query method provided by the second aspect of the present invention;

圖27是本發明實施例提供的基於銀行卡的資訊查詢方法的一示例的流程示意圖；Figure 27 is a schematic diagram of an example of a bank card-based information inquiry method provided by an embodiment of the present invention;

圖28是本發明第三方面提供的資訊查詢裝置的一實施例的結構示意圖；Figure 28 is a schematic structural diagram of an embodiment of the information query device provided in the third aspect of the present invention;

圖29是本發明第四方面提供的資訊查詢裝置的一實施例的結構示意圖；Figure 29 is a schematic structural diagram of an embodiment of the information query device provided in the fourth aspect of the present invention;

圖30是本發明提供的電子設備的一實施例的結構示意圖。Figure 30 is a schematic diagram of the structure of an embodiment of the electronic device provided by the present invention.

下面將詳細描述本發明的各個方面的特徵和示例性實施例，為了使本發明的目的、技術方案及優點更加清楚明白，以下結合圖式及具體實施例，對本發明進行進一步詳細描述。應理解，此處所描述的具體實施例僅意在解釋本發明，而不是限定本發明。對於本領域技術人員來說，本發明可以在不需要這些具體細節中的一些細節的情況下實施。下面對實施例的描述僅僅是為了通過示出本發明的示例來提供對本發明更好的理解。The features and exemplary embodiments of various aspects of the present invention will be described in detail below. In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in combination with drawings and specific embodiments. It should be understood that the specific embodiments described here are only intended to explain the present invention, not to limit the present invention. For those skilled in the art, the present invention can be implemented without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present invention by showing examples of the present invention.

需要說明的是，在本文中，諸如第一和第二等之類的關係術語僅僅用來將一個實體或者操作與另一個實體或操作區分開來，而不一定要求或者暗示這些實體或操作之間存在任何這種實際的關係或者順序。而且，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、物品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、物品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括……”限定的要素，並不排除在包括所述要素的過程、方法、物品或者設備中還存在另外的相同要素。It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprises" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of more restrictions, the elements defined by the phrase "includes..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.

目前業界缺乏統一的支付帳戶的帳戶資訊查詢工具。如果使用者需要獲取自己在不同支付機構中開通的支付帳戶的帳戶資訊，需要登錄到每一個支付機構的網站或者APP進行查看。Currently, the industry lacks a unified payment account information inquiry tool. If users need to obtain the account information of payment accounts opened in different payment institutions, they need to log in to the website or APP of each payment institution to view it.

為了解決現有技術問題，本發明實施例提供了一種資訊查詢方法、裝置、設備及電腦可讀存儲介質。該資訊查詢方法可以應用於對不同支付機構的支付帳戶資訊進行查詢的場景，下面首先對本發明實施例所提供的資訊查詢方法所適用的系統架構進行介紹。In order to solve the existing technical problems, the embodiment of the present invention provides an information query method, device, equipment and computer-readable storage medium. The information query method can be applied to the scene of querying the payment account information of different payment institutions. The following first introduces the system architecture applicable to the information query method provided by the embodiment of the present invention.

圖1是本發明實施例提供的資訊查詢方法所適用的資訊查詢系統的一示例的架構圖。Figure 1 is a schematic diagram of an example of an information query system to which the information query method provided by the embodiment of the present invention is applicable.

如圖1所示，該架構圖中可以包括至少一個終端設備10、應用伺服器11和至少一個機構伺服器12。其中，終端設備10中安裝有目標應用程式的使用者端，應用伺服器11包括與該目標應用程式對應的服務端，一個機構伺服器12包括一個支付機構的後臺服務端。這裡，目標應用程式可以是支援多支付帳戶資訊查詢的應用程式。As shown in Figure 1, the architecture diagram may include at least oneterminal device10, anapplication server 11 and at least oneinstitution server 12. Theterminal device 10 is installed with a user end of the target application, theapplication server 11 includes a service end corresponding to the target application, and aninstitution server 12 includes a backend service end of a payment institution. Here, the target application may be an application that supports multiple payment account information inquiries.

另外，應用伺服器11可以通過網路與至少一個終端設備10建立通信連接並進行資訊交互，應用伺服器11還可以通過網路與至少一個機構伺服器12建立通信連接並進行資訊交互。其中，終端設備10可以是手機、平板電腦、一體機等具有通訊功能的設備，也可以是虛擬機器或模擬器類比的設備。應用伺服器11和機構伺服器12可以是雲伺服器或者伺服器集群等具有存儲以及計算功能的設備。In addition, theapplication server 11 can establish a communication connection with at least oneterminal device 10 through the network and exchange information. Theapplication server 11 can also establish a communication connection with at least oneinstitution server 12 through the network and exchange information. Among them, theterminal device 10 can be a mobile phone, a tablet computer, an all-in-one computer, or a device with communication functions, or a virtual machine or simulator analog device. Theapplication server 11 and theinstitution server 12 can be cloud servers or server clusters, etc., which have storage and computing functions.

本發明實施例中，終端設備10獲取目標應用程式中登錄帳號對應的使用者身份資訊；接收使用者用於查詢帳戶資訊的第一輸入；回應於第一輸入，應用伺服器11發送資訊查詢請求，應用伺服器11回應於資訊查詢請求，根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊；終端設備10接收應用伺服器11發送的帳戶資訊；顯示帳戶資訊。其中，應用伺服器11回應於資訊查詢請求，根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，具體可以包括：應用伺服器11向多個支付機構對應的機構伺服器12分別發送帳戶查詢請求，以通過機構伺服器12根據使用者身份資訊查詢使用者已開通的支付帳戶對應的帳戶標識；應用伺服器11接收機構伺服器12發送的帳戶標識；調用預設查詢介面，根據帳戶標識查詢支付帳戶對應的餘額資訊和帳單資訊。In the embodiment of the present invention, theterminal device 10 obtains the user identity information corresponding to the login account in the target application; receives the first input from the user for querying the account information; in response to the first input, theapplication server 11 sends an information query request, and theapplication server 11 responds to the information query request, and queries the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information; theterminal device 10 receives the account information sent by theapplication server 11; and displays the account information. Among them, theapplication server 11 responds to the information query request and queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information. Specifically, it may include: theapplication server 11 sends account query requests to theinstitution servers 12 corresponding to the multiple payment institutions respectively, so as to query the account identification corresponding to the payment account opened by the user through theinstitution server 12 according to the user identity information; theapplication server 11 receives the account identification sent by theinstitution server 12; and calls the default query interface to query the balance information and billing information corresponding to the payment account according to the account identification.

如此，本發明實施例可以實現通過一鍵查詢的方式，查詢得到使用者名下的所有支付帳戶的帳戶資訊，這樣可以簡化使用者查詢帳戶資訊的操作流程，提升使用者體驗。In this way, the embodiment of the present invention can query the account information of all payment accounts under the user's name through one-click query, which can simplify the user's operation process of querying account information and improve the user experience.

需要說明的是，本發明實施例中所涉及的支付帳戶包括但不限於銀行帳戶和非銀行帳戶，銀行帳戶例如可以是銀行卡等，非銀行帳戶例如可以是手機錢包等具有支付功能的帳戶。It should be noted that the payment accounts involved in the embodiments of the present invention include but are not limited to bank accounts and non-bank accounts. Bank accounts can be, for example, bank cards, and non-bank accounts can be, for example, accounts with payment functions such as mobile wallets.

根據上述架構，下面結合圖2-圖26對本發明實施例所提供的資訊查詢方法進行詳細說明。Based on the above structure, the information query method provided by the embodiment of the present invention is described in detail below in conjunction with Figures 2 to 26.

圖2示出了本發明提供的資訊查詢方法的一實施例的流程示意圖，該資訊查詢方法可應用於圖1中的終端設備10。FIG2 shows a schematic flow chart of an embodiment of the information query method provided by the present invention, which can be applied to theterminal device 10 in FIG1.

如圖2所示，該資訊查詢方法具體可以包括如下步驟：As shown in Figure 2, the information query method may specifically include the following steps:

S210，獲取目標應用程式中登錄帳號對應的使用者身份資訊；S210, obtaining the user identity information corresponding to the login account in the target application;

S220，接收使用者用於查詢帳戶資訊的第一輸入；S220, receiving the first input from the user for querying account information;

S230，回應於第一輸入，向應用伺服器發送資訊查詢請求，其中，資訊查詢請求中包括使用者身份資訊，資訊查詢請求用於指示應用伺服器根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，帳戶資訊包括支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；S230, in response to the first input, sending an information query request to the application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to query the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account;

S240，接收應用伺服器發送的帳戶資訊；S240, receiving account information sent by the application server;

S250，顯示帳戶資訊。S250, display account information.

由此，通過獲取目標應用程式中登錄帳號的使用者身份資訊，進而在使用者觸發查詢操作時，利用該使用者身份資訊向應用伺服器發送資訊查詢請求，以使應用伺服器根據該使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，進而在終端設備上顯示不同支付機構對應的多個支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項資訊，如此，可實現一鍵查詢多個支付帳戶資訊的功能，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，也能通過一鍵查詢方式快速查到使用者名下的支付帳戶資訊，簡化使用者查詢支付帳戶時所需的使用者操作流程，提升使用者體驗。Thus, by obtaining the user identity information of the account logged in in the target application, when the user triggers the query operation, the user identity information is used to send an information query request to the application server, so that the application server queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information, and then displays at least one of the account quantity, balance information and bill information of multiple payment accounts corresponding to different payment institutions on the terminal device. In this way, the function of querying multiple payment account information with one click can be realized. In the case that the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the payment account information under the user's name can also be quickly found through a one-click query method, simplifying the user operation process required for the user to query the payment account,improving the user experience.

下面介紹上述各個步驟的具體實現方式。The following describes the specific implementation methods of the above steps.

在一些實施方式中，在S210和S220中，第一輸入可以是使用者對目標應用程式的資訊查詢頁面中顯示的資訊查詢按鈕進行的點擊輸入，以觸發啟動帳戶資訊查詢流程。另外，使用者身份資訊可以是能夠表示使用者身份的資訊，包括但不限於姓名、手機號、證件類型、證件號碼等。使用者在啟動目標應用程式後，可首先獲取該使用者身份資訊，當然，還可顯示在啟動後顯示的頁面上，以便使用者確認。In some implementations, in S210 and S220, the first input may be a user clicking an information query button displayed on the information query page of the target application to trigger the account information query process. In addition, the user identity information may be information that can represent the user's identity, including but not limited to name, mobile phone number, certificate type, certificate number, etc. After the user starts the target application, the user may first obtain the user identity information, and of course, it may also be displayed on the page displayed after the start for the user to confirm.

以支付帳戶為銀行卡為例，在一些具體例子中，使用者在啟動目標APP後進入如圖3所示的資訊查詢頁面，並在資訊查詢頁面時中獲取並顯示當前APP登錄帳號預存的或即時填寫的使用者身份資訊32，使用者可通過點擊資訊查詢頁面中顯示的“申請查詢”按鈕31，啟動帳戶資訊查詢流程，將該使用者身份資訊上傳至應用伺服器，作為查詢支付帳戶的依據。Taking the payment account as a bank card as an example, in some specific examples, after starting the target APP, the user enters the information query page as shown in Figure 3, and obtains and displays the user identity information 32 pre-stored or filled in immediately for the current APP login account on the information query page. The user can start the account information query process by clicking the "Apply for Query" button 31 displayed on the information query page, and upload the user identity information to the application server as the basis for querying the payment account.

在一些實施方式中，在S230中，資訊查詢請求中可攜帶有當前登錄帳戶對應的使用者身份資訊，使得應用伺服器在收到該資訊查詢請求後，可根據其中攜帶的使用者身份資訊進行支付帳戶的帳戶資訊的查詢。In some implementations, in S230, the information query request may carry the user identity information corresponding to the currently logged-in account, so that after receiving the information query request, the application server may query the account information of the payment account according to the user identity information carried therein.

另外，為了提高帳戶資訊查詢的靈活性，可由使用者來選擇查詢使用者在哪些支付機構中開通的支付帳戶的帳戶資訊。在一些實施方式中，在S210之前，本發明實施例提供的資訊查詢方法還可以包括：In addition, in order to improve the flexibility of account information inquiry, the user can choose which payment institutions the user has opened to inquire about the account information of the payment account. In some implementations, before S210, the information inquiry method provided by the embodiment of the present invention may also include:

顯示多個支付機構對應的機構資訊；Display the corresponding institution information of multiple payment institutions;

接收使用者從多個支付機構中選擇目標支付機構對應的機構資訊的第二輸入。Receive the second input of the institution information corresponding to the target payment institution selected by the user from multiple payment institutions.

基於此，上述S230具體可以包括：Based on this, the above-mentioned S230 may specifically include:

回應於第二輸入，向應用伺服器發送針對目標支付機構的目標資訊查詢請求，其中，目標資訊查詢請求用於指示應用伺服器根據使用者身份資訊查詢使用者在目標支付機構開通的支付帳戶對應的帳戶資訊。In response to the second input, a target information query request for the target payment institution is sent to the application server, wherein the target information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user at the target payment institution based on the user identity information.

這裡，顯示的機構資訊可以包括機構名稱、機構圖示等。示例性地，可在目標應用程式的機構查詢頁面顯示多個可選的支付機構對應的機構名稱和圖示，以供使用者選擇。另外，目標資訊查詢請求中可攜帶有目標支付機構的機構資訊。Here, the displayed institution information may include institution name, institution icon, etc. For example, the institution name and icon corresponding to multiple optional payment institutions may be displayed on the institution query page of the target application for the user to choose. In addition, the target information query request may carry the institution information of the target payment institution.

以支付帳戶為銀行卡為例，在一些具體例子中，使用者在如圖3所示的資訊查詢頁面中點擊自訂選擇按鈕33，可跳轉至如圖4所示的銀行查詢頁面查詢和選擇需要查詢銀行卡資訊的銀行，進而通過將針對這些已選擇銀行的查詢請求發送至應用伺服器，使得應用伺服器可以查詢到該使用者在這些銀行辦理的所有銀行卡的數量、餘額、帳單等資訊。Taking the payment account as a bank card as an example, in some specific examples, the user clicks the custom selection button 33 in the information query page shown in FIG3, and can jump to the bank query page shown in FIG4 to query and select the bank whose bank card information needs to be queried, and then send the query request for these selected banks to the application server, so that the application server can query the quantity, balance, bills and other information of all bank cards opened by the user in these banks.

這樣，通過對支付機構進行有選擇地帳戶資訊查詢，可以提高帳戶資訊查詢的靈活性，提升使用者的個性化查詢體驗。In this way, by selectively inquiring about account information of payment institutions, the flexibility of account information inquiry can be improved and the user's personalized inquiry experience can be enhanced.

另外，為了提高帳戶資訊查詢的安全性，在一些實施方式中，在S210之前，本發明實施例提供的資訊查詢方法還可以包括：In addition, in order to improve the security of account information query, in some implementations, before S210, the information query method provided by the embodiment of the present invention may also include:

顯示使用者授權提示資訊。Display user authorization prompt information.

基於此，上述S230具體可以包括：Based on this, the above-mentioned S230 may specifically include:

在使用者授權的情況下，向所述應用伺服器發送所述資訊查詢請求。With user authorization, the information query request is sent to the application server.

這裡，授權提示資訊可以是用於提示使用者進行授權操作的資訊，其中，授權操作可以是授權將使用者身份信息發送至各個機構伺服器，以進行帳戶資訊查詢的操作。Here, the authorization prompt information may be information used to prompt the user to perform an authorization operation, wherein the authorization operation may be an operation of authorizing the user's identity information to be sent to various institution servers for account information query.

以支付帳戶為銀行卡為例，在一些具體的例子中，可在如圖3所示的資訊查詢頁面中顯示授權提示資訊34，當使用者點擊《個人帳戶查詢服務協定》可跳轉至如圖5所示的顯示頁面，以展示協定內容，使用者可通過點擊同意按鈕進行授權。除此之外，使用者還可通過點擊資訊查詢頁面中的授權提示資訊34對應的選擇控制項進行授權。Taking the payment account as a bank card as an example, in some specific examples, the authorization prompt information 34 can be displayed in the information inquiry page as shown in FIG. 3. When the user clicks on the "Personal Account Inquiry Service Agreement", it can jump to the display page as shown in FIG. 5 to display the content of the agreement. The user can authorize by clicking the consent button. In addition, the user can also authorize by clicking the selection control corresponding to the authorization prompt information 34 in the information inquiry page.

在另一些具體例子中，在使用者未授權的情況下，若使用者直接點擊如圖3所示的資訊查詢頁面中的“申請查詢”按鈕31，則可彈出如圖6所示的授權提示資訊，使用者可通過點擊同意授權按鈕進行授權，進而向應用伺服器發送資訊查詢請求，以便該應用伺服器利用已授權的使用者身份資訊去各個機構查詢對應的帳戶資訊。In other specific examples, if the user directly clicks the "Apply for Inquiry" button 31 in the information inquiry page shown in FIG3 without authorization, the authorization prompt information shown in FIG6 may pop up, and the user may authorize by clicking the "Agree to Authorization" button, and then send an information inquiry request to the application server, so that the application server can use the authorized user identity information to query the corresponding account information from various institutions.

如此，通過使用者授權再進行相應的帳戶查詢操作，可提高帳戶資訊查詢過程的安全性，保護使用者個人隱私安全。In this way, by performing corresponding account query operations with user authorization, the security of the account information query process can be improved and the user's personal privacy can be protected.

另外，為了確保發起資訊查詢操作的是使用者本人，在一些實施方式中，在上述S230之後，本發明實施例提供的資訊查詢方法還可以包括：In addition, in order to ensure that the user initiates the information query operation, in some implementations, after the above S230, the information query method provided by the embodiment of the present invention may also include:

接收應用伺服器發送的身份資訊採集請求；Receive identity information collection request sent by the application server;

回應於身份資訊採集請求，採集使用者輸入的第二身份資訊，其中，第二身份資訊包括人臉資訊和登錄帳號對應的支付密碼中的至少一項；In response to the identity information collection request, collect the second identity information input by the user, wherein the second identity information includes at least one of facial information and the payment password corresponding to the login account;

向應用伺服器發送第二身份資訊，以使應用伺服器根據第二身份資訊對使用者的身份進行驗證，在驗證通過的情況下，根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊。Send the second identity information to the application server so that the application server can verify the user's identity based on the second identity information. If the verification is successful, query the account information corresponding to the payment accounts opened by the user in multiple payment institutions based on the user's identity information.

示例性地，在應用伺服器收到資訊查詢請求之後，可發起使用者身份認證，終端設備接收到請求後，可顯示如圖7所示的支付密碼驗證頁面，以便使用者輸入當前登錄帳號對應的支付密碼。另外，還可顯示如圖8所示的人臉資訊採集頁面，以便即時採集使用者的人臉資訊。在使用者輸入支付密碼或採集完人臉資訊之後，可顯示如圖9所示的回饋頁面，提示使用者已申請成功。For example, after the application server receives the information query request, it can initiate user identity authentication. After the terminal device receives the request, it can display the payment password verification page shown in Figure 7, so that the user can enter the payment password corresponding to the current login account. In addition, the face information collection page shown in Figure 8 can also be displayed to collect the user's face information in real time. After the user enters the payment password or collects the face information, the feedback page shown in Figure 9 can be displayed to prompt the user that the application has been successful.

如此，通過在應用伺服器正式進行資訊查詢申請之前對使用者進行支付密碼驗證和人臉驗證中的至少一項，可確保發起資訊查詢操作的是使用者本人，進而提高帳戶資訊查詢過程的安全性。In this way, by performing at least one of payment password verification and face verification on the user before the application server formally applies for information inquiry, it can be ensured that the user himself initiates the information inquiry operation, thereby improving the security of the account information inquiry process.

在一些實施方式中，在S240和S250中，在應用伺服器查詢到與該使用者身份資訊相對應的多個支付機構的支付帳戶的帳戶資訊後，可將這些帳戶資訊發送至請求的終端設備。其中，帳戶資訊可以是伺服器對多個支付帳戶的資訊進行匯總後生成的個人帳戶報告，該個人帳戶報告中可包括使用者個人在不同支付機構開通的各個支付帳戶的帳戶號碼、支付帳戶的數量、每個支付帳戶的餘額和帳單等。終端設備在接收到伺服器發送的帳戶資訊後，可在終端設備上目標應用程式的設定頁面內顯示該帳戶資訊。In some implementations, in S240 and S250, after the application server queries the account information of the payment accounts of multiple payment institutions corresponding to the user identity information, the account information may be sent to the requesting terminal device. The account information may be a personal account report generated by the server after summarizing the information of multiple payment accounts. The personal account report may include the account number of each payment account opened by the user at different payment institutions, the number of payment accounts, the balance and bill of each payment account, etc. After receiving the account information sent by the server, the terminal device may display the account information in the setting page of the target application on the terminal device.

舉例而言，以支付帳戶為銀行卡為例，在一些具體例子中，在使用者點擊申請查詢之後，伺服器返回帳戶資訊之前，可在如圖10所示的查詢記錄頁面中顯示每個帳戶資訊報告對應的查詢進度，在收到帳戶資訊後可在如圖11所示的查詢記錄頁面中顯示查詢到的帳戶資訊報告，使用者可通過點擊想要查看的帳戶資訊報告對應的“查看報告”按鈕，觸發跳轉至如圖12所示的頁面查看報告詳細內容。另外，使用者也可通過點擊如圖10所示的查詢記錄頁面中的“新建查詢”按鈕，進入如圖3所示的資訊查詢頁面。For example, taking the payment account as a bank card, in some specific examples, after the user clicks on the application query and before the server returns the account information, the query progress corresponding to each account information report can be displayed in the query record page as shown in Figure 10. After receiving the account information, the queried account information report can be displayed in the query record page as shown in Figure 11. The user can click the "View Report" button corresponding to the account information report he wants to view, triggering a jump to the page shown in Figure 12 to view the report details. In addition, the user can also click the "New Query" button in the query record page as shown in Figure 10 to enter the information query page as shown in Figure 3.

另外，為了提高登錄帳號的安全性，在一些實施方式中，在上述S210之前，如圖13所示，本發明實施例提供的資訊查詢方法還可以包括步驟：S201-S209，下面對此進行詳細解釋。In addition, in order to improve the security of the login account, in some implementations, before the above S210, as shown in Figure 13, the information query method provided by the embodiment of the present invention may also include steps: S201-S209, which are explained in detail below.

S201，回應於目標應用程式的啟動操作，向應用伺服器發送認證查詢請求，認證查詢請求用於指示應用伺服器查詢登錄帳號是否已實名認證，得到第一查詢結果。S201, in response to the activation operation of the target application, an authentication query request is sent to the application server, the authentication query request is used to instruct the application server to query whether the login account has been authenticated by real name, and obtain the first query result.

示例性地，在目標應用程式啟動後，終端設備可將登陸帳號的使用者標識發送至應用伺服器，應用伺服器可根據該使用者標識查詢登錄帳號是否已實名認證，得到第一查詢結果，並將該結果回饋給終端設備。For example, after the target application is started, the terminal device can send the user identification of the login account to the application server, and the application server can query whether the login account has been authenticated based on the user identification, obtain the first query result, and feedback the result to the terminal device.

S202，接收應用伺服器發送的第一查詢結果。S202, receiving the first query result sent by the application server.

S203，第一查詢結果是否為登錄帳號已實名認證；若是，則執行S208；若否，則執行S204。S203, whether the first query result is that the login account has been authenticated by real name; if so, execute S208; if not, execute S204.

示例性地，終端設備可根據第一查詢結果確定跳轉至哪個頁面進行顯示。例如，在未實名認證的情況下，可顯示資訊採集介面，以進行使用者身份認證，在已實名認證的情況下，可跳轉至如圖3所示的資訊查詢頁面。Exemplarily, the terminal device can determine which page to jump to for display based on the first query result. For example, if real-name authentication is not performed, an information collection interface can be displayed to perform user identity authentication. If real-name authentication is performed, the terminal device can jump to the information query page shown in FIG. 3.

S204，採集使用者輸入的第一身份資訊，其中，第一身份資訊包括使用者姓名、身份證號和人臉資訊。S204, collecting the first identity information input by the user, wherein the first identity information includes the user's name, ID number and facial information.

這裡，在登錄帳號為未實名認證帳號的情況下，可彈窗提示如圖14所示的提示資訊“先完成認證再查詢帳戶資訊”，使用者點擊“身份認證”按鈕，跳轉至資訊採集頁面後，使用者可在該資訊採集頁面中輸入姓名、身份證號，並完成人臉圖像採集。Here, if the login account is not a real-name authenticated account, a pop-up window may be displayed as shown in Figure 14, indicating "Complete authentication before querying account information". The user clicks the "Identity Authentication" button and jumps to the information collection page. The user can enter the name and ID number on the information collection page and complete the facial image collection.

S205，向應用伺服器發送第一身份資訊，以使應用伺服器根據第一身份資訊對使用者進行身份認證，得到身份認證結果。S205, sending the first identity information to the application server so that the application server can authenticate the user based on the first identity information and obtain an identity authentication result.

示例性地，終端設備將採集到的姓名、身份證號和人臉圖像三個要素的資訊上傳至應用伺服器，再由應用伺服器將以上三個要素發送至權威資料來源進行比對，如果比對一致，則身份認證通過，如果比對不一致，則身份認證不通過。For example, the terminal device uploads the collected information of the name, ID number and face image to the application server, and then the application server sends the above three elements to the authoritative data source for comparison. If the comparison is consistent, the identity authentication is passed. If the comparison is inconsistent, the identity authentication fails.

S206，接收應用伺服器發送的身份認證結果。S206, receiving the identity authentication result sent by the application server.

S207，身份認證結果是否為認證通過；若是，則執行S208；若否，則執行S209。S207, whether the identity authentication result is authentication passed; if so, execute S208; if not, execute S209.

S208，顯示資訊查詢頁面。S208, display the information query page.

示例性地，在身份認證通過的情況下，可跳轉至如圖3所示的資訊查詢頁面。For example, if the identity authentication is passed, you can jump to the information query page as shown in Figure 3.

S209，顯示不支援查詢提示資訊。S209, display the query not supported prompt information.

示例性地，在身份認證未通過的情況下，則可顯示不支援查詢的提示資訊，用於提示使用者當前無法進行帳戶資訊查詢。當然，也可引導使用者進入實名認證操作流程，方便使用者進行實名認證。For example, if the identity authentication fails, a prompt message indicating that the query is not supported can be displayed to remind the user that the account information query is currently not possible. Of course, the user can also be guided to enter the real-name authentication operation process to facilitate the user to perform real-name authentication.

這樣，由於實名認證操作流程較為複雜，而本發明實施例通過利用“姓名+身份證號+人臉”三要素進行身份認證，可以便於使用者在未實名認證的情況下迅速完成身份認證，安全開啟帳戶資訊查詢介面，如此，可以在保證帳戶資訊查詢安全的同時，提高使用者身份認證效率。In this way, since the real-name authentication operation process is relatively complicated, the embodiment of the present invention uses the three elements of "name + ID number + face" for identity authentication, which can facilitate users to quickly complete identity authentication without real-name authentication and safely open the account information query interface. In this way, the user's identity authentication efficiency can be improved while ensuring the security of account information query.

另外，如果使用者是非身份證註冊的實名使用者或者境內預付費卡使用者，以及境外使用者，則進入如圖15所示的資訊查詢頁面後彈窗提示“非身份證實名認證使用者，暫不支持使用一鍵查詢功能”，使用者可通過點擊顯示的“返回”按鈕關閉當前帳戶資訊查詢介面。In addition, if the user is a real-name user registered without an ID card, a domestic prepaid card user, or an overseas user, a pop-up window will pop up after entering the information query page shown in Figure 15, stating "Non-ID real-name authentication users are not supported to use the one-click query function for the time being." The user can click the displayed "Return" button to close the current account information query interface.

除此之外，由於不同使用者進入目標應用程式的目的不一樣，有些是為了發起新的帳戶資訊查詢流程，有些是為了查看已申請的帳戶資訊查詢結果。基於此，在一些實施方式中，在上述S202之後，本發明實施例提供的資訊查詢方法還可以包括：In addition, since different users have different purposes for entering the target application, some are for initiating a new account information query process, and some are for viewing the results of the account information query that has been applied for. Based on this, in some implementations, after the above S202, the information query method provided by the embodiment of the present invention may also include:

接收應用伺服器發送的第二查詢結果，其中，第二查詢結果為應用伺服器查詢登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；Receive the second query result sent by the application server, wherein the second query result is the query result obtained by the application server when it queries whether there is a historical query record of the login account within a preset time period;

在第一查詢結果為登錄帳號已實名認證，且第二查詢結果為存在歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，查詢記錄頁面中包括至少一個歷史查詢記錄；When the first query result is that the login account has been authenticated, and the second query result is that there is a historical query record, the query record page is displayed, wherein the query record page includes at least one historical query record;

在第一查詢結果為登錄帳號已實名認證，且第二查詢結果為不存在歷史查詢記錄的情況下，顯示資訊查詢頁面。When the first query result is that the login account has been authenticated, and the second query result is that there is no historical query record, the information query page is displayed.

這裡，預設時間段可根據實際情況由後臺工作人員進行配置，例如可以配置為最近365天。Here, the default time period can be configured by backend staff based on actual conditions, for example, it can be configured to the last 365 days.

在一些具體例子中，應用伺服器在接收到認證查詢請求後，還可根據登錄帳號的使用者標識，查詢該登錄帳號是否於最近365天內申請過帳戶資訊查詢，也即是否在近365天記憶體在查詢記錄。如果登錄帳號已實名認證，且近365天內沒有過查詢記錄，則可直接進入如圖3所示的資訊查詢頁面；如果登錄帳號已實名認證，且近365天內有過查詢記錄，則說明使用者極有可能是為了查看已申請的帳戶資訊查詢結果，因此，可進入如圖11所示的查詢記錄頁面。In some specific examples, after receiving the authentication query request, the application server can also query whether the login account has applied for account information query in the last 365 days, that is, whether there is a query record in the memory in the last 365 days. If the login account has been authenticated by real name and there is no query record in the last 365 days, you can directly enter the information query page shown in Figure 3; if the login account has been authenticated by real name and there is a query record in the last 365 days, it means that the user is very likely to view the query results of the account information that has been applied for, so you can enter the query record page shown in Figure 11.

這樣，通過確定使用者是否於近期查詢過帳戶資訊，觸發顯示不同的頁面，可以便於使用者進行帳戶資訊查詢或查看操作，盡可能減少使用者所需的操作流程，進而提升使用者體驗。In this way, by determining whether the user has recently checked account information and triggering the display of different pages, it can facilitate users to check or view account information, minimize the operation process required by users, and thus improve the user experience.

另外，為了在查詢到帳戶資訊時及時通知使用者查看，在一些實施方式中，如圖16所示，上述S250具體可以包括步驟：S2501-S2503。下面對此進行詳細解釋。In addition, in order to promptly notify the user to view the account information when it is found, in some implementations, as shown in FIG16 , the above S250 may specifically include steps: S2501-S2503. This is explained in detail below.

S2501，顯示與帳戶資訊對應的查看提示資訊。S2501, display the viewing prompt information corresponding to the account information.

這裡，查看提示資訊可以是通過短信、APP站內信等形式發送的提示資訊。其中，以查詢的帳戶資訊為銀行帳戶資訊為例，APP站內信可以為如圖17所示的消息頁面中顯示的提示消息171。Here, the prompt information can be sent in the form of text messages, APP internal messages, etc. Among them, taking the queried account information as bank account information as an example, the APP internal message can be a prompt message 171 displayed in the message page shown in Figure 17.

S2502，接收使用者查看帳戶資訊的第四輸入。S2502, receiving the fourth input from the user to view account information.

這裡，第四輸入可以是使用者點擊目標應用程式圖示以啟動目標應用程式的輸入，也可以是使用者從目標應用程式中的其他頁面點擊進入帳戶資訊查詢功能的輸入，還可以是使用者點擊查看提示資訊中提供的資訊查看連結的輸入，在此不作限定。Here, the fourth input may be an input in which the user clicks on the target application icon to start the target application, or an input in which the user clicks on other pages in the target application to enter the account information query function, or an input in which the user clicks on the information viewing link provided in the viewing prompt information, which is not limited here.

S2503，回應於第四輸入，顯示帳戶資訊。S2503, in response to the fourth input, display account information.

示例性地，在終端設備接收到帳戶資訊後，使用者再次進入目標應用程式，可直接進入如圖11所示的查詢記錄頁面，並顯示“查看報告”按鈕，使用者通過點擊該“查看報告”按鈕可顯示如圖12所示的帳戶資訊。For example, after the terminal device receives the account information, the user enters the target application again and can directly enter the query record page as shown in Figure 11, and display the "View Report" button. The user can display the account information as shown in Figure 12 by clicking the "View Report" button.

這樣，通過顯示查看提示資訊，可在終端設備查詢到帳戶資訊後，及時通知使用者進行查看，從而保證帳戶資訊的時效性。In this way, by displaying the viewing prompt information, the user can be notified in time to view the account information after the terminal device queries it, thereby ensuring the timeliness of the account information.

另外，還可採用會員制，利用會員積分進行不同帳戶資訊查看權益等級的劃分。在一些實施方式中，上述S2503具體可以包括：In addition, a membership system may be adopted, and member points may be used to divide the rights and interests of viewing different account information. In some implementations, the above S2503 may specifically include:

回應於第四輸入，向應用伺服器發送資訊查看請求，其中，資訊查看請求用於指示應用伺服器調用會員管理系統的積分支付介面，從登錄帳戶對應的積分中扣除查看帳戶資訊所需的積分，得到支付結果；In response to the fourth input, an information viewing request is sent to the application server, wherein the information viewing request is used to instruct the application server to call the points payment interface of the member management system, deduct the points required to view the account information from the points corresponding to the logged-in account, and obtain the payment result;

接收應用伺服器發送的支付結果；Receive payment results sent by the application server;

在支付結果為支付成功的情況下，顯示帳戶資訊；If the payment result is successful, the account information will be displayed;

在支付結果為支付失敗的情況下，顯示帳戶資訊中的部分資訊。If the payment result is payment failure, some information in the account information will be displayed.

示例性地，在使用者點擊查看帳戶資訊後，應用伺服器可根據終端設備發送的資訊查看請求，與會員管理系統交互判斷該登錄帳號是否能夠完成且已完成積分支付過程，使得終端設備根據不同的判斷結果，在帳戶資訊詳情頁面為使用者展示不同顯示程度的資訊內容。For example, after the user clicks to view the account information, the application server can interact with the member management system to determine whether the login account can complete and has completed the points payment process based on the information viewing request sent by the terminal device, so that the terminal device can display different levels of information content to the user on the account information details page based on different judgment results.

在一些具體例子中，若積點(也即積分)支付成功，則展示如圖12所示的全部帳戶資訊；若積點支付失敗，則展示如圖18所示的部分帳戶資訊，其中，帳戶餘額、帳單等資訊被隱藏。若使用者點擊詳情按鈕181，則可顯示如圖19所示的積點使用提示資訊，在使用者點擊確認按鈕的情況下，可發起對登錄帳戶的積點的扣除過程，具體扣除過程可參見上述描述，在此不再贅述。在積點支付成功的情況下，可顯示如圖20所示的回饋資訊，進而在使用者點擊返回按鈕的情況下，展示如圖12所示的全部帳戶資訊。In some specific examples, if the points (i.e., credits) are paid successfully, all account information as shown in FIG. 12 is displayed; if the points payment fails, part of the account information as shown in FIG. 18 is displayed, wherein information such as the account balance and bills are hidden. If the user clicks the details button 181, the points usage prompt information as shown in FIG. 19 may be displayed. When the user clicks the confirmation button, the deduction process of the points of the logged-in account may be initiated. The specific deduction process can be found in the above description and will not be repeated here. When the points payment is successful, the feedback information as shown in FIG. 20 may be displayed, and when the user clicks the return button, the full account information as shown in FIG. 12 is displayed.

這樣，通過會員積分制，可在使用者查看查詢到的帳戶資訊詳細內容時，進行相應的積分扣除，進而實現不同帳戶資訊查看權益等級的劃分，促使使用者開通會員。In this way, through the member points system, when users view the details of the queried account information, corresponding points can be deducted, thereby realizing the division of rights and interests of viewing different account information, and encouraging users to open membership.

當然，也可在後臺設置積分支付開關，後臺工作人員可通過該積分支付開關設置是否通過積分支付來選擇性查看帳戶資訊的詳細內容，以便工作人員根據實際運營策略改變相應的帳戶資訊顯示機制。Of course, you can also set a points payment switch in the backend, and the backend staff can use the points payment switch to set whether to selectively view the details of the account information through points payment, so that the staff can change the corresponding account information display mechanism according to the actual operation strategy.

另外，為了保證使用者查看帳戶資訊時的安全性，在一些實施方式中，在上述向應用伺服器發送資訊查看請求的步驟之後，本發明實施例提供的資訊查詢方法還可以包括：In addition, in order to ensure the security of users viewing account information, in some implementations, after the above step of sending an information viewing request to the application server, the information query method provided by the embodiment of the present invention may also include:

接收應用伺服器發送的資訊驗證請求；Receive information verification request sent by the application server;

回應於資訊驗證請求，採集使用者輸入的驗證資訊；In response to information verification requests, collect verification information entered by the user;

向應用伺服器發送驗證資訊，以使應用伺服器根據驗證資訊對使用者的身份進行驗證，在驗證通過的情況下，針對帳戶資訊執行對登錄帳戶對應的積分的支付操作，得到支付結果。Send verification information to the application server so that the application server can verify the user's identity based on the verification information. If the verification is successful, the payment operation for the points corresponding to the login account is performed based on the account information to obtain the payment result.

示例性地，在使用者觸發進入帳戶資訊查看流程後，應用伺服器可通過向終端設備發送資訊驗證請求，指示終端設備採集相應的驗證資訊，以進行使用者身份驗證，進而保證此時查看帳戶資訊的是合法使用者本人。其中，使用者輸入的驗證資訊包括但不限於登錄帳戶的支付密碼、即時採集的人臉圖像等。For example, after the user triggers the account information viewing process, the application server can send an information verification request to the terminal device, instructing the terminal device to collect corresponding verification information to verify the user's identity, thereby ensuring that the person viewing the account information at this time is the legitimate user himself. The verification information entered by the user includes but is not limited to the payment password for logging into the account, the face image collected in real time, etc.

這樣，通過在進行積分支付之前，對使用者身份進行驗證，可以保證此時操作的使用者為合法使用者本人，進而保證使用者查看帳戶資訊時的安全性。In this way, by verifying the user's identity before making a points payment, it can be ensured that the user operating at this time is the legitimate user, thereby ensuring the security of the user viewing the account information.

另外，在如圖12所示的報告詳情頁面，使用者還可通過點擊“保存至信箱”，跳轉至如圖21所示的輸入頁面，以便使用者基於該頁面輸入信箱位址。待使用者輸入完成並提交後，彈窗顯示如圖22所示的信箱位址確認資訊，在使用者點擊“確認並發送”按鈕後，由終端設備將使用者輸入的信箱地址發送至應用伺服器，以使伺服器將報告加密發送至該信箱。在終端設備接收到應用伺服器的發送完成的回饋資訊後，可跳轉至如圖23所示的資訊提示頁面，並顯示報告密碼。當然，使用者後續也可在如圖24所示的查詢記錄頁面通過支付密碼驗證查看報告密碼。In addition, on the report details page shown in Figure 12, the user can also click "Save to Mailbox" to jump to the input page shown in Figure 21, so that the user can enter the mailbox address based on this page. After the user completes the input and submits, a pop-up window displays the mailbox address confirmation information shown in Figure 22. After the user clicks the "Confirm and Send" button, the terminal device sends the mailbox address entered by the user to the application server, so that the server encrypts and sends the report to the mailbox. After the terminal device receives the feedback information of the application server, it can jump to the information prompt page shown in Figure 23 and display the report password. Of course, the user can also view the report password through the payment password verification on the query record page shown in Figure 24.

除此之外，本發明實施例還設置了帳戶資訊過期刪除機制，應用伺服器對於查詢到的超過預設期限的帳戶資訊，進行刪除處理，不進行超期留存，以在保證帳戶資訊查詢的時效性的同時，節約記憶體資源。當然，應用伺服器在刪除已過期的帳戶資訊之前，還可將帳戶資訊發送至使用者信箱，以便使用者進行備份存檔。在終端設備上，使用者可通過如圖24和圖25所示的查詢記錄頁面，顯示已過期的帳戶資訊報告的相關資訊。In addition, the embodiment of the present invention also sets up an account information expiration deletion mechanism. The application server deletes the account information that exceeds the preset period, and does not retain it beyond the expiration period, so as to save memory resources while ensuring the timeliness of account information query. Of course, before deleting the expired account information, the application server can also send the account information to the user's mailbox so that the user can back it up and archive it. On the terminal device, the user can display the relevant information of the expired account information report through the query record page shown in Figures 24 and 25.

圖26示出了本發明提供的資訊查詢方法的一實施例的流程示意圖，該資訊查詢方法可應用於圖1中的應用伺服器11。FIG26 shows a schematic flow chart of an embodiment of the information query method provided by the present invention, which can be applied to theapplication server 11 in FIG1.

如圖26所示，該資訊查詢方法具體可以包括以下步驟：As shown in Figure 26, the information query method may specifically include the following steps:

S2610，接收終端設備發送的資訊查詢請求，其中，資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；S2610, receiving an information query request sent by the terminal device, wherein the information query request includes the user identity information corresponding to the login account in the target application;

S2620，回應於資訊查詢請求，根據使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，帳戶資訊包括支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；S2620, in response to the information query request, query the account information corresponding to the payment accounts opened by the user at multiple payment institutions based on the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account;

S2630，向終端設備發送帳戶資訊。S2630, sends account information to the terminal device.

這樣，應用伺服器通過根據終端設備上傳的使用者身份資訊，查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，且該帳戶資訊包括帳戶數量、餘額資訊和帳單資訊中的至少一項，進而回饋給終端設備進行顯示，如此，可實現一鍵查詢多個支付帳戶資訊的功能，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，也能通過一鍵查詢方式快速查到使用者名下的支付帳戶資訊，簡化使用者查詢支付帳戶時所需的使用者操作流程，提升使用者體驗。In this way, the application server queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information uploaded by the terminal device, and the account information includes at least one of the account number, balance information and billing information, and then feeds back to the terminal device for display. In this way, the function of querying multiple payment account information with one click can be realized. In the case that the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the payment account information under the user's name can also be quickly found through one-click query, simplifying the user operation process required for the user to query the payment account and improving the user experience.

下面介紹上述各個步驟的具體實現方式。The following describes the specific implementation methods of the above steps.

在一些實施方式中，在上述S2610中，資訊查詢請求可以是終端設備在接收到使用者用於查詢帳戶資訊的第一輸入的情況下，並獲取到目標應用程式中登錄帳號對應的使用者身份資訊之後，發送的攜帶有該使用者身份資訊的請求，具體過程可參見上述相關描述，在此不再贅述。In some implementations, in the above S2610, the information query request may be a request with the user identity information sent by the terminal device after receiving the first input from the user for querying the account information and obtaining the user identity information corresponding to the login account in the target application. The specific process can be found in the above related description and will not be repeated here.

在一些實施方式中，在上述S2620和S2630中，應用伺服器可調用預先配置的支付機構連結，針對每一個連結上送使用者身份資訊，觸發各個支付機構通過預設介面回傳該使用者已開通的所有支付帳戶的相關資訊。In some implementations, in the above S2620 and S2630, the application server may call pre-configured payment institution links, send user identity information for each link, and trigger each payment institution to return relevant information of all payment accounts opened by the user through a default interface.

另外，應用伺服器還可通過模擬使用者查詢餘額或帳單的行為，通過全管道系統向各個支付機構輪詢獲取每一個支付帳戶的餘額或帳單資訊。In addition, the application server can also simulate the user's behavior of inquiring about balance or bills, and query each payment institution through the full pipeline system to obtain the balance or bill information of each payment account.

基於此，在一些實施方式中，上述S2620具體可以包括：Based on this, in some implementations, the above S2620 may specifically include:

向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，其中，帳戶查詢請求用於指示機構伺服器根據使用者身份資訊查詢使用者已開通的支付帳戶對應的帳戶標識；Sending account query requests to the institutional servers corresponding to multiple payment institutions respectively, wherein the account query request is used to instruct the institutional server to query the account identifier corresponding to the user's opened payment account based on the user's identity information;

接收機構伺服器發送的帳戶標識；The account ID sent by the receiving organization's server;

調用預設查詢介面，根據帳戶標識查詢支付帳戶對應的餘額資訊和帳單資訊。Call the default query interface to query the balance information and billing information corresponding to the payment account based on the account ID.

這裡，帳戶標識可以是支付帳戶的帳戶號碼、標識碼等能夠唯一表示該支付帳戶的資訊。預設查詢介面可以是設置的全管道系統中的用於向各個支付機構輪詢獲取每一個支付帳戶的餘額或帳單資訊的介面。另外，帳戶查詢請求中可攜帶有使用者身份資訊，以便各個支付機構的機構伺服器根據該使用者身份資訊查詢該使用者在本機構開通的支付帳戶的相關資訊。其中，該支付帳戶的相關資訊包括但不限於帳戶標識，例如銀行卡號等。Here, the account identifier can be the account number, identification code, or other information that can uniquely represent the payment account. The default query interface can be an interface in the set full pipeline system for polling various payment institutions to obtain the balance or billing information of each payment account. In addition, the account query request can carry user identity information so that the institution server of each payment institution can query the relevant information of the payment account opened by the user in the institution based on the user identity information. Among them, the relevant information of the payment account includes but is not limited to the account identifier, such as bank card number, etc.

此外，應用伺服器在接收到各個支付機構的機構伺服器回饋的帳戶標識後，可根據帳戶標識進行資訊匯總，例如計算該使用者在各個支付機構分別擁有的支付帳戶的數量等。In addition, after receiving the account identifiers fed back by the institution servers of each payment institution, the application server can aggregate information based on the account identifiers, such as calculating the number of payment accounts that the user has at each payment institution.

這樣，通過上述查詢過程，可以使應用伺服器實現對各個支付機構中使用者所擁有的支付帳戶資訊的輪詢，獲取到包括餘額和帳單在內的詳細資訊，從而簡化使用者查詢每個支付帳戶所需的複雜的操作流程，實現一鍵查詢每個支付帳戶的詳細資訊。In this way, through the above query process, the application server can query the payment account information owned by the user in each payment institution and obtain detailed information including balance and bill, thereby simplifying the complex operation process required for users to query each payment account and realizing one-click query of detailed information of each payment account.

另外，在一些實施方式中，在S2630之後，本發明實施例提供的資訊查詢方法還可以包括：In addition, in some implementations, after S2630, the information query method provided by the embodiment of the present invention may also include:

接收終端設備發送的資訊查看請求；Receive information viewing requests sent by terminal devices;

回應於資訊查看請求，調用會員管理系統的積分支付介面，從登錄帳戶對應的積分中扣除查看帳戶資訊所需的積分，得到支付結果；In response to the information viewing request, call the points payment interface of the member management system, deduct the points required to view the account information from the points corresponding to the logged-in account, and obtain the payment result;

向終端設備發送支付結果，以使終端設備根據支付結果顯示帳戶資訊。Send payment results to the terminal device so that the terminal device displays account information based on the payment results.

示例性地，在會員管理系統成功扣除相應積分的情況下，得到的支付結果可以為支付成功，進而使終端設備顯示全部帳戶資訊；在由於登錄帳戶的積分不足等原因導致會員管理系統扣除相應積分失敗的情況下，得到的支付結果可以為支付失敗，進而使終端設備顯示部分帳戶資訊。For example, when the member management system successfully deducts the corresponding points, the payment result obtained can be payment success, so that the terminal device displays all account information; when the member management system fails to deduct the corresponding points due to insufficient points in the logged-in account, the payment result obtained can be payment failure, so that the terminal device displays part of the account information.

這樣，通過進行相應的積分扣除，可實現對帳戶資訊的差別化顯示，進而促進使用者積極參與會員充值、積攢積分等活動。In this way, by making corresponding point deductions, it is possible to achieve differentiated display of account information, thereby encouraging users to actively participate in activities such as membership recharge and point accumulation.

為了更好地描述整個方案，基於上述各實施例，以支付帳戶為銀行卡為例，舉一些具體例子。例如，如圖27所示的資訊查詢方法流程圖。該資訊查詢方法由使用者、終端設備、應用伺服器、機構伺服器、全管道系統、會員管理系統這六端之間的交互來完成。In order to better describe the whole scheme, based on the above embodiments, some specific examples are given, taking the payment account as a bank card. For example, the information query method flow chart shown in Figure 27. The information query method is completed by the interaction between the six ends of the user, the terminal device, the application server, the institution server, the full pipeline system, and the member management system.

需要說明的是，上述本發明實施例描述的應用場景是為了更加清楚的說明本發明實施例的技術方案，並不構成對於本發明實施例提供的技術方案的限定，本領域普通技術人員可知，隨著新應用場景的出現，本發明實施例提供的技術方案對於類似的技術問題，同樣適用。It should be noted that the application scenarios described in the above embodiments of the present invention are for the purpose of more clearly explaining the technical solutions of the embodiments of the present invention, and do not constitute a limitation on the technical solutions provided by the embodiments of the present invention. Ordinary technical personnel in this field can know that with the emergence of new application scenarios, the technical solutions provided by the embodiments of the present invention are also applicable to similar technical problems.

基於相同的發明構思，本發明還提供了一種資訊查詢裝置。具體結合圖28進行詳細說明。Based on the same invention concept, the present invention also provides an information query device. It is specifically described in detail with reference to Figure 28.

圖28示出了本發明提供的資訊查詢裝置的一實施例的結構示意圖。該資訊查詢裝置可應用於圖1中的終端設備10。FIG28 shows a schematic diagram of the structure of an embodiment of the information query device provided by the present invention. The information query device can be applied to theterminal device 10 in FIG1.

如圖28所示，該資訊查詢裝置2800可以包括：As shown in FIG. 28 , theinformation query device 2800 may include:

身份獲取模組2801，用於獲取目標應用程式中登錄帳號對應的使用者身份資訊；Identity acquisition module 2801, used to obtain the user identity information corresponding to the login account in the target application;

第一接收模組2802，用於接收使用者用於查詢帳戶資訊的第一輸入；Thefirst receiving module 2802 is used to receive the first input from the user for querying account information;

請求發送模組2803，用於回應於所述第一輸入，向應用伺服器發送資訊查詢請求，其中，所述資訊查詢請求中包括所述使用者身份資訊，所述資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；Request sending module 2803, used to respond to the first input and send an information query request to the application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account;

資訊接收模組2804，用於接收所述應用伺服器發送的所述帳戶資訊；Information receiving module 2804, used to receive the account information sent by the application server;

資訊顯示模組2805，用於顯示所述帳戶資訊。Information display module 2805, used to display the account information.

下面對上述資訊查詢裝置2800進行詳細說明，具體如下所示：The above-mentionedinformation query device 2800 is described in detail below, as shown below:

在其中一些實施例中，資訊查詢裝置2800還包括：In some embodiments, theinformation query device 2800 also includes:

第一發送模組，用於在接收使用者用於查詢帳戶資訊的第一輸入之前，回應於所述目標應用程式的啟動操作，向所述應用伺服器發送認證查詢請求，所述認證查詢請求用於指示所述應用伺服器查詢所述登錄帳號是否已實名認證，得到第一查詢結果；The first sending module is used to send an authentication query request to the application server in response to the activation operation of the target application before receiving the first input for querying the account information from the user, wherein the authentication query request is used to instruct the application server to query whether the login account has been authenticated by real name, and obtain a first query result;

第一接收模組，用於接收所述應用伺服器發送的所述第一查詢結果；The first receiving module is used to receive the first query result sent by the application server;

第一採集模組，用於在所述第一查詢結果為所述登錄帳號未實名認證的情況下，採集所述使用者輸入的第一身份資訊，其中，所述第一身份資訊包括使用者姓名、身份證號和人臉資訊；The first collection module is used to collect the first identity information input by the user when the first query result is that the login account has not been authenticated by real name, wherein the first identity information includes the user's name, identity card number and facial information;

第二發送模組，用於向所述應用伺服器發送所述第一身份資訊，以使所述應用伺服器根據所述第一身份資訊對所述使用者進行身份認證，得到身份認證結果；The second sending module is used to send the first identity information to the application server, so that the application server performs identity authentication on the user according to the first identity information and obtains an identity authentication result;

第二接收模組，用於接收所述應用伺服器發送的所述身份認證結果；The second receiving module is used to receive the identity authentication result sent by the application server;

第一顯示模組，用於在所述身份認證結果為認證通過的情況下，顯示資訊查詢頁面。The first display module is used to display the information query page when the identity authentication result is authentication passed.

在其中一些實施例中，資訊查詢裝置2800還包括：In some embodiments, theinformation query device 2800 also includes:

第三接收模組，用於在接收所述應用伺服器發送的所述第一查詢結果之後，接收所述應用伺服器發送的第二查詢結果，其中，所述第二查詢結果為所述應用伺服器查詢所述登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；The third receiving module is used to receive the second query result sent by the application server after receiving the first query result sent by the application server, wherein the second query result is the query result obtained by the application server when querying whether there is a historical query record of the login account within a preset time period;

第二顯示模組，用於在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為存在所述歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，所述查詢記錄頁面中包括至少一個所述歷史查詢記錄；The second display module is used to display the query record page when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record exists, wherein the query record page includes at least one of the historical query records;

第三顯示模組，用於在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為不存在所述歷史查詢記錄的情況下，顯示所述資訊查詢頁面。The third display module is used to display the information query page when the first query result is that the login account has been authenticated by real name, and the second query result is that there is no historical query record.

在其中一些實施例中，資訊查詢裝置2800還包括：In some embodiments, theinformation query device 2800 also includes:

第四接收模組，用於在向應用伺服器發送資訊查詢請求之後，接收所述應用伺服器發送的身份資訊採集請求；The fourth receiving module is used to receive the identity information collection request sent by the application server after sending the information query request to the application server;

第二採集模組，用於回應於所述身份資訊採集請求，採集所述使用者輸入的第二身份資訊，其中，所述第二身份資訊包括人臉資訊和所述登錄帳號對應的支付密碼中的至少一項；The second collection module is used to respond to the identity information collection request and collect the second identity information input by the user, wherein the second identity information includes at least one of facial information and the payment password corresponding to the login account;

第三發送模組，用於向所述應用伺服器發送所述第二身份資訊，以使所述應用伺服器根據所述第二身份資訊對所述使用者的身份進行驗證，在驗證通過的情況下，根據所述使用者身份資訊查詢所述使用者在多個支付機構開通的支付帳戶對應的帳戶資訊。The third sending module is used to send the second identity information to the application server so that the application server verifies the identity of the user according to the second identity information. If the verification is successful, the application server queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information.

在其中一些實施例中，資訊查詢裝置2800還包括：In some embodiments, theinformation query device 2800 also includes:

第四顯示模組，用於在接收使用者用於查詢帳戶資訊的第一輸入之前，顯示多個支付機構對應的機構資訊；The fourth display module is used to display the institution information corresponding to multiple payment institutions before receiving the first input from the user for querying account information;

第五接收模組，用於接收使用者從所述多個支付機構中選擇目標支付機構對應的機構資訊的第二輸入；The fifth receiving module is used to receive the second input of the user selecting the institution information corresponding to the target payment institution from the multiple payment institutions;

請求發送模組2803具體可以用於：Request sending module 2803 can be used specifically for:

響應於所述第二輸入，向所述應用伺服器發送針對所述目標支付機構的目標資訊查詢請求，其中，所述目標資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊查詢使用者在所述目標支付機構開通的支付帳戶對應的帳戶資訊。In response to the second input, a target information query request for the target payment institution is sent to the application server, wherein the target information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user at the target payment institution based on the user identity information.

在其中一些實施例中，資訊查詢裝置2800還包括：In some embodiments, theinformation query device 2800 also includes:

第五顯示模組，用於在接收使用者用於查詢帳戶資訊的第一輸入之前，顯示使用者授權提示資訊；The fifth display module is used to display user authorization prompt information before receiving the first input from the user for querying account information;

請求發送模組2803具體可以用於：Request sending module 2803 can be used specifically for:

在使用者授權的情況下，向所述應用伺服器發送所述資訊查詢請求。With user authorization, the information query request is sent to the application server.

在其中一些實施例中，資訊顯示模組2805具體可以包括：In some of these embodiments, theinformation display module 2805 may specifically include:

第一顯示子模組，用於顯示與所述帳戶資訊對應的查看提示資訊；The first display submodule is used to display the viewing prompt information corresponding to the account information;

第一接收子模組，用於接收使用者查看所述帳戶資訊的第四輸入；The first receiving submodule is used to receive the fourth input from the user to view the account information;

第二顯示子模組，用於回應於所述第四輸入，顯示所述帳戶資訊。The second display submodule is used to display the account information in response to the fourth input.

在其中一些實施例中，所述第二顯示子模組具體可以包括：In some of these embodiments, the second display submodule may specifically include:

第一發送單元，用於回應於所述第四輸入，向所述應用伺服器發送資訊查看請求，其中，所述資訊查看請求用於指示所述應用伺服器調用會員管理系統的積分支付介面，從所述登錄帳戶對應的積分中扣除查看所述帳戶資訊所需的積分，得到支付結果；The first sending unit is used to respond to the fourth input and send an information viewing request to the application server, wherein the information viewing request is used to instruct the application server to call the points payment interface of the member management system, deduct the points required to view the account information from the points corresponding to the logged-in account, and obtain the payment result;

第一接收單元，用於接收所述應用伺服器發送的所述支付結果；The first receiving unit is used to receive the payment result sent by the application server;

第一顯示單元，用於在所述支付結果為支付成功的情況下，顯示所述帳戶資訊；The first display unit is used to display the account information when the payment result is successful;

第二顯示單元，用於在所述支付結果為支付失敗的情況下，顯示所述帳戶資訊中的部分資訊。The second display unit is used to display part of the account information when the payment result is payment failure.

在其中一些實施例中，第二顯示子模組還包括：In some of these embodiments, the second display submodule also includes:

第二接收單元，用於在向所述應用伺服器發送資訊查看請求之後，接收所述應用伺服器發送的資訊驗證請求；The second receiving unit is used to receive the information verification request sent by the application server after sending the information viewing request to the application server;

採集單元，用於回應於所述資訊驗證請求，採集所述使用者輸入的驗證資訊；A collection unit, used to respond to the information verification request and collect the verification information input by the user;

第二發送單元，用於向所述應用伺服器發送所述驗證資訊，以使所述應用伺服器根據所述驗證資訊對所述使用者的身份進行驗證，在驗證通過的情況下，針對所述帳戶資訊執行對所述登錄帳戶對應的積分的支付操作，得到支付結果。The second sending unit is used to send the verification information to the application server, so that the application server verifies the identity of the user according to the verification information. If the verification is passed, the payment operation of the points corresponding to the login account is performed according to the account information to obtain the payment result.

由此，通過獲取目標應用程式中登錄帳號的使用者身份資訊，進而在使用者觸發查詢操作時，利用該使用者身份資訊向應用伺服器發送資訊查詢請求，以使應用伺服器根據該使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，進而在終端設備上顯示不同支付機構對應的多個支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項資訊，如此，可實現一鍵查詢多個支付帳戶資訊的功能，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，也能通過一鍵查詢方式快速查到使用者名下的支付帳戶資訊，簡化使用者查詢支付帳戶時所需的使用者操作流程，提升使用者體驗。Thus, by obtaining the user identity information of the account logged in in the target application, when the user triggers the query operation, the user identity information is used to send an information query request to the application server, so that the application server queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information, and then displays at least one of the account quantity, balance information and bill information of multiple payment accounts corresponding to different payment institutions on the terminal device. In this way, the function of querying multiple payment account information with one click can be realized. In the case that the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the payment account information under the user's name can also be quickly found through a one-click query method, simplifying the user operation process required for the user to query the payment account and improving the user experience.

圖29示出了本發明提供的資訊查詢裝置的一實施例的結構示意圖。該資訊查詢裝置可應用於圖1中的應用伺服器11。FIG29 shows a schematic diagram of the structure of an embodiment of the information query device provided by the present invention. The information query device can be applied to theapplication server 11 in FIG1.

如圖29所示，該資訊查詢裝置2900可以包括：As shown in FIG. 29, theinformation query device 2900 may include:

請求接收模組2901，用於接收終端設備發送的資訊查詢請求，其中，所述資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；Request receiving module 2901, used to receive information query requests sent by the terminal device, wherein the information query request includes user identity information corresponding to the login account in the target application;

資訊查詢模組2902，用於回應於所述資訊查詢請求，根據所述使用者身份資訊查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；Information query module 2902, used to respond to the information query request, query the account information corresponding to the payment account opened by the user in multiple payment institutions according to the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account;

資訊發送模組2903，用於向所述終端設備發送所述帳戶資訊。Information sending module 2903 is used to send the account information to the terminal device.

下面對上述資訊查詢裝置2900進行詳細說明，具體如下所示：The above-mentionedinformation query device 2900 is described in detail below, as shown below:

在其中一些實施例中，資訊查詢模組2902具體可以包括：In some of these embodiments, theinformation query module 2902 may specifically include:

發送子模組，用於向所述多個支付機構對應的機構伺服器分別發送帳戶查詢請求，其中，所述帳戶查詢請求用於指示所述機構伺服器根據所述使用者身份資訊查詢使用者已開通的支付帳戶對應的帳戶標識；A sending submodule, used to send account query requests to the institution servers corresponding to the multiple payment institutions respectively, wherein the account query request is used to instruct the institution server to query the account identification corresponding to the payment account opened by the user according to the user identity information;

接收子模組，用於接收所述機構伺服器發送的所述帳戶標識；A receiving submodule, used to receive the account identification sent by the institution's server;

查詢子模組，用於調用預設查詢介面，根據所述帳戶標識查詢所述支付帳戶對應的餘額資訊和帳單資訊。The query submodule is used to call the default query interface and query the balance information and billing information corresponding to the payment account according to the account identifier.

在其中一些實施例中，資訊查詢裝置2900還包括：In some embodiments, theinformation query device 2900 also includes:

第一接收模組，用於在向所述終端設備發送所述帳戶資訊之後，接收所述終端設備發送的資訊查看請求；The first receiving module is used to receive an information viewing request sent by the terminal device after sending the account information to the terminal device;

積分扣除模組，用於回應於所述資訊查看請求，調用會員管理系統的積分支付介面，從所述登錄帳戶對應的積分中扣除查看所述帳戶資訊所需的積分，得到支付結果；The points deduction module is used to respond to the information viewing request, call the points payment interface of the member management system, deduct the points required to view the account information from the points corresponding to the logged-in account, and obtain the payment result;

結果發送模組，用於向所述終端設備發送所述支付結果，以使所述終端設備根據所述支付結果顯示所述帳戶資訊。The result sending module is used to send the payment result to the terminal device so that the terminal device displays the account information according to the payment result.

由此，應用伺服器通過根據終端設備上傳的使用者身份資訊，查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，且該帳戶資訊包括帳戶數量、餘額資訊和帳單資訊中的至少一項，進而回饋給終端設備進行顯示，如此，可實現一鍵查詢多個支付帳戶資訊的功能，在使用者開通的支付帳戶過多或已經忘記某些支付帳戶的存在的情況下，也能通過一鍵查詢方式快速查到使用者名下的支付帳戶資訊，簡化使用者查詢支付帳戶時所需的使用者操作流程，提升使用者體驗。Thus, the application server queries the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information uploaded by the terminal device, and the account information includes at least one of the account quantity, balance information and bill information, and then feeds back to the terminal device for display. In this way, the function of querying multiple payment account information with one click can be realized. In the case that the user has opened too many payment accounts or has forgotten the existence of some payment accounts, the payment account information under the user's name can also be quickly found through one-click query, simplifying the user operation process required for the user to query the payment account and improving the user experience.

圖30示出了本發明提供的電子設備的一實施例的硬體結構示意圖。Figure 30 shows a schematic diagram of the hardware structure of an embodiment of the electronic device provided by the present invention.

在電子設備3000可以包括處理器3001以及存儲有電腦程式指令的記憶體3002。Theelectronic device 3000 may include aprocessor 3001 and amemory 3002 storing computer program instructions.

具體地，上述處理器3001可以包括中央處理器(Central Processing Unit,CPU)，或者特定積體電路(Application Specific Integrated Circuit,ASIC)，或者可以被配置成實施本發明實施例的一個或多個積體電路。Specifically, theprocessor 3001 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present invention.

記憶體3002可以包括用於資料或指令的大量存放區。舉例來說而非限制，記憶體3002可包括硬碟驅動器(Hard Disk Drive，HDD)、軟碟機、快閃記憶體、光碟、磁光碟、磁帶或通用序列匯流排(Universal Serial Bus，USB)驅動器或者兩個或更多個以上這些的組合。在合適的情況下，記憶體3002可包括可移除或不可移除(或固定)的介質。在合適的情況下，記憶體3002可在綜合閘道容災設備的內部或外部。在特定實施例中，記憶體3002是非易失性固態記憶體。Memory 3002 may include a mass storage area for data or instructions.By way of example and not limitation,memory 3002 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive, or a combination of two or more of the above. Where appropriate,memory 3002 may include removable or non-removable (or fixed) media. Where appropriate,memory 3002 may be internal or external to the integrated gate disaster recovery device. In a particular embodiment,memory 3002 is a non-volatile solid-state memory.

記憶體可包括唯讀記憶體(Read Only Memory,ROM)，隨機存取記憶體(Random Access Memory,RAM)，磁片存儲介質設備，光存儲介質設備，快閃記憶體設備，電氣、光學或其他物理/有形的記憶體存放裝置。因此，通常，記憶體包括一個或多個編碼有包括電腦可執行指令的軟體的有形(非暫態)電腦可讀存儲介質(例如，記憶體設備)，並且當該軟體被執行(例如，由一個或多個處理器)時，其可操作來執行參考根據本發明的一方面的方法所描述的操作。The memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical/tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to one aspect of the present invention.

處理器3001通過讀取並執行記憶體3002中存儲的電腦程式指令，以實現上述實施例中的任意一種資訊查詢方法。Theprocessor 3001 reads and executes the computer program instructions stored in thememory 3002 to implement any one of the information query methods in the above embodiments.

在一些示例中，電子設備3000還可包括通信介面3003和匯流排3010。其中，如圖30所示，處理器3001、記憶體3002、通信介面3003通過匯流排3010連接並完成相互間的通信。In some examples, theelectronic device 3000 may also include acommunication interface 3003 and abus 3010. As shown in FIG30 , theprocessor 3001, thememory 3002, and thecommunication interface 3003 are connected through thebus 3010 and communicate with each other.

通信介面3003主要用於實現本發明實施例中各模組、裝置、單元和/或設備之間的通信。Thecommunication interface 3003 is mainly used to realize the communication between the modules, devices, units and/or equipment in the embodiment of the present invention.

匯流排3010包括硬體、軟體或兩者，將線上資料流量計費設備的部件彼此耦接在一起。舉例來說而非限制，匯流排3010可包括高速圖形連接埠(Accelerated Graphics Port,AGP)或其他圖形匯流排、增強工業標準架構(Enhanced Industry Standard Architecture,EISA)匯流排、前端匯流排(Front Side Bus,FSB)、超傳輸(Hyper Transport,HT)互連、工業標準架構(Industry Standard Architecture,ISA)匯流排、無限頻寬互連、低引腳數(Low Pin Count,LPC)匯流排、記憶體匯流排、微通道架構(Micro Channel Architecture,MCA)匯流排、周邊元件連接(Peripheral Component Interconnect,PCI)匯流排、PCI-Express(Peripheral Component Interconnect Express,PCI-X)匯流排、串列高級技術附件(Serial Advanced Technology Attachment,SATA)匯流排、視頻電子標準協會局部(Video Electronics Standards Association Local Bus,VLB)匯流排或其他合適的匯流排或者兩個或更多個以上這些的組合。在合適的情況下，匯流排3010可包括一個或多個匯流排。儘管本發明實施例描述和示出了特定的匯流排，但本發明考慮任何合適的匯流排或互連。Bus 3010 includes hardware, software, or both, coupling components of the online data traffic metering device to each other. By way of example and not limitation,bus 3010 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an unlimited bandwidth interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (Peripheral Component Interconnect Express, PCI-X) bus, a Serial Advanced Technology Attachment (Serial ATA) bus, and a 10-bit 4-port bus. Advanced Technology Attachment, SATA) bus, Video Electronics Standards Association Local Bus (VLB) bus or other suitable bus or a combination of two or more of the above. Where appropriate,bus 3010 may include one or more buses. Although the embodiments of the present invention describe and illustrate specific buses, the present invention contemplates any suitable bus or interconnect.

示例性的，電子設備3000可以為手機、平板電腦、筆記型電腦、掌上型電腦、車載電子設備、超級移動個人電腦(Ultra-Mobile Personal Computer，UMPC)、上網本或者個人數位助理(Personal Digital Assistant，PDA)等。For example, theelectronic device 3000 may be a mobile phone, a tablet computer, a laptop computer, a palmtop computer, a vehicle-mounted electronic device, an ultra-mobile personal computer (UMPC), a netbook, or a personal digital assistant (PDA), etc.

該電子設備3000可以執行本發明實施例中的資訊查詢方法，從而實現結合圖2至圖29描述的資訊查詢方法和裝置。Theelectronic device 3000 can execute the information query method in the embodiment of the present invention, thereby realizing the information query method and device described in conjunction with Figures 2 to 29.

另外，結合上述實施例中的資訊查詢方法，本發明實施例可提供一種電腦可讀存儲介質來實現。該電腦可讀存儲介質上存儲有電腦程式指令；該電腦程式指令被處理器執行時實現上述實施例中的任意一種資訊查詢方法。電腦可讀存儲介質的示例包括非暫態電腦可讀存儲介質，如可擕式盤、硬碟、隨機存取記憶體(RAM)、唯讀記憶體(ROM)、可擦式可程式設計唯讀記憶體(Erasable Programmable Read Only Memory,EPROM或快閃記憶體)、可擕式緊湊盤唯讀記憶體(Compact Disc Read-Only Memory,CD-ROM)、光記憶體件、磁記憶體件等。In addition, in combination with the information query method in the above embodiments, the embodiments of the present invention can provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the information query methods in the above embodiments is implemented. Examples of computer-readable storage media include non-transitory computer-readable storage media such as portable disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disc read-only memory (CD-ROM), optical memory devices, magnetic memory devices, etc.

需要明確的是，本發明並不局限於上文所描述並在圖中示出的特定配置和處理。為了簡明起見，這裡省略了對已知方法的詳細描述。在上述實施例中，描述和示出了若干具體的步驟作為示例。但是，本發明的方法過程並不限於所描述和示出的具體步驟，本領域的技術人員可以在領會本發明的精神後，作出各種改變、修改和添加，或者改變步驟之間的順序。It should be made clear that the present invention is not limited to the specific configuration and processing described above and shown in the figure. For the sake of brevity, the detailed description of the known method is omitted here. In the above embodiments, several specific steps are described and shown as examples.However, the method process of the present invention is not limited to the specific steps described and shown, and technicians in this field can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of the present invention.

以上所述的結構框圖中所示的功能塊可以實現為硬體、軟體、固件或者它們的組合。當以硬體方式實現時，其可以例如是電子電路、專用積體電路(ASIC)、適當的固件、外掛程式、功能卡等等。當以軟體方式實現時，本發明的元素是被用於執行所需任務的程式或者程式碼片段。程式或者程式碼片段可以存儲在機器可讀介質中，或者通過載波中攜帶的資料信號在傳輸介質或者通信鏈路上傳送。“機器可讀介質”可以包括能夠存儲或傳輸資訊的任何介質。機器可讀介質的例子包括電子電路、半導體記憶體設備、ROM、快閃記憶體、可擦除ROM(Erasable Read Only Memory,EROM)、軟碟、CD-ROM、光碟、硬碟、光纖介質、射頻(Radio Frequency,RF)鏈路，等等。程式碼片段可以經由諸如網際網路、內聯網等的電腦網路被下載。The functional blocks shown in the structural block diagram described above can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application-specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present invention are programs or program code snippets used to perform the required tasks. The programs or program code snippets can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link via a data signal carried in a carrier. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable read only memory (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. Code snippets can be downloaded via computer networks such as the Internet and intranets.

還需要說明的是，本發明中提及的示例性實施例，基於一系列的步驟或者裝置描述一些方法或系統。但是，本發明不局限於上述步驟的順序，也就是說，可以按照實施例中提及的循序執行步驟，也可以不同於實施例中的順序，或者若干步驟同時執行。It should also be noted that the exemplary embodiments mentioned in the present invention describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above steps, that is, the steps can be executed in the order mentioned in the embodiments, or in a different order from the embodiments, or several steps can be executed simultaneously.

上面參考根據本發明的實施例的方法、裝置(系統)和電腦程式產品的流程圖和/或框圖描述了本發明的各方面。應當理解，流程圖和/或框圖中的每個方框以及流程圖和/或框圖中各方框的組合可以由電腦程式指令實現。這些電腦程式指令可被提供給通用電腦、專用電腦、或其它可程式設計資料處理裝置的處理器，以產生一種機器，使得經由電腦或其它可程式設計資料處理裝置的處理器執行的這些指令使能對流程圖和/或框圖的一個或多個方框中指定的功能/動作的實現。這種處理器可以是但不限於是通用處理器、專用處理器、特殊應用處理器或者現場可程式設計邏輯電路。還可理解，框圖和/或流程圖中的每個方框以及框圖和/或流程圖中的方框的組合，也可以由執行指定的功能或動作的專用硬體來實現，或可由專用硬體和電腦指令的組合來實現。Aspects of the present invention are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device cause Ability to implement the functions/actions specified in one or more blocks of flowcharts and/or block diagrams. Such a processor may be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It can also be understood that each box in the block diagram and/or flowchart and the combination of boxes in the block diagram and/or flowchart can also be implemented by dedicated hardware that performs the specified function or action, or can be implemented by This is accomplished through a combination of specialized hardware and computer instructions.

以上所述，僅為本發明的具體實施方式，所屬領域的技術人員可以清楚地瞭解到，為了描述的方便和簡潔，上述描述的系統、模組和單元的具體工作過程，可以參考前述方法實施例中的對應過程，在此不再贅述。應理解，本發明的保護範圍並不局限於此，任何熟悉本技術領域的技術人員在本發明揭露的技術範圍內，可輕易想到各種等效的修改或替換，這些修改或替換都應涵蓋在本發明的保護範圍之內。The above is only a specific implementation of the present invention. The technical personnel in the relevant field can clearly understand that for the convenience and simplicity of description, the specific working process of the system, module and unit described above can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here. It should be understood that the protection scope of the present invention is not limited to this. Any technical personnel familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed by the present invention, and these modifications or replacements should be covered within the protection scope of the present invention.

S210,S220,S230,S240,S250:步驟S210,S220,S230,S240,S250: Steps

Claims (14)

Translated fromChinese

一種資訊查詢方法，應用於終端設備，其特徵在於，包括：獲取目標應用程式中登錄帳號對應的使用者身份資訊；接收使用者用於查詢帳戶資訊的第一輸入；回應於所述第一輸入，向應用伺服器發送資訊查詢請求，其中，所述資訊查詢請求中包括所述使用者身份資訊，所述資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，以查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，所述帳戶查詢請求用於指示所述機構伺服器根據所述使用者身份資訊查詢使用者已開通的所述支付帳戶對應的帳戶標識，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；接收所述應用伺服器發送的所述帳戶資訊；顯示所述帳戶資訊；其中，在接收使用者用於查詢帳戶資訊的第一輸入之前，所述方法還包括：回應於所述目標應用程式的啟動操作，向所述應用伺服器發送認證查詢請求，所述認證查詢請求用於指示所述應用伺服器查詢所述登錄帳號是否已實名認證，得到第一查詢結果；接收所述應用伺服器發送的所述第一查詢結果；接收所述應用伺服器發送的第二查詢結果，其中，所述第二查詢結果為所述應用伺服器查詢所述登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為存在所述歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，所述查詢記錄頁面中包括至少一個所述歷史查詢記錄；在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為不存在所述歷史查詢記錄的情況下，顯示所述資訊查詢頁面；在所述第一查詢結果為所述登錄帳號未實名認證的情況下，採集所述使用者輸入的第一身份資訊，其中，所述第一身份資訊包括使用者姓名、身份證號和人臉資訊；向所述應用伺服器發送所述第一身份資訊，以使所述應用伺服器根據所述第一身份資訊對所述使用者進行身份認證，得到身份認證結果；接收所述應用伺服器發送的所述身份認證結果；在所述身份認證結果為認證通過的情況下，顯示資訊查詢頁面。An information query method, applied to a terminal device, is characterized in that it includes: obtaining user identity information corresponding to a login account in a target application; receiving a first input from a user for querying account information; in response to the first input, sending an information query request to an application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to send account query requests to institution servers corresponding to multiple payment institutions respectively according to the user identity information, so as to query account information corresponding to payment accounts opened by the user in multiple payment institutions, and the account query request is used to Instructing the institution server to query the account identifier corresponding to the payment account opened by the user according to the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account; receiving the account information sent by the application server; displaying the account information; wherein, before receiving the first input from the user for querying the account information, the method further comprises: responding to the startup operation of the target application, sending an authentication query request to the application server, wherein the authentication query request is used to instruct the application server to query whether the login account has been authenticated by real name, and obtaining the first authentication request; a query result; receiving the first query result sent by the application server; receiving the second query result sent by the application server, wherein the second query result is the query result obtained by the application server querying whether there is a historical query record of the login account within a preset time period; when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record exists, displaying a query record page, wherein the query record page includes at least one of the historical query records; when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record exists If the result is that the historical query record does not exist, the information query page is displayed; if the first query result is that the login account has not been authenticated, the first identity information input by the user is collected, wherein the first identity information includes the user's name, identity card number and facial information; the first identity information is sent to the application server so that the application server authenticates the user according to the first identity information to obtain an identity authentication result; the identity authentication result sent by the application server is received; if the identity authentication result is that the authentication is passed, the information query page is displayed.根據請求項1所述的方法，其中，在向應用伺服器發送資訊查詢請求之後，所述方法還包括：接收所述應用伺服器發送的身份資訊採集請求；回應於所述身份資訊採集請求，採集所述使用者輸入的第二身份資訊，其中，所述第二身份資訊包括人臉資訊和所述登錄帳號對應的支付密碼中的至少一項；向所述應用伺服器發送所述第二身份資訊，以使所述應用伺服器根據所述第二身份資訊對所述使用者的身份進行驗證，在驗證通過的情況下，根據所述使用者身份資訊查詢所述使用者在多個支付機構開通的支付帳戶對應的帳戶資訊。According to the method of claim 1, after sending an information query request to the application server, the method further comprises: receiving an identity information collection request sent by the application server; in response to the identity information collection request, collecting the second identity information input by the user, wherein the second identity information includes at least one of facial information and a payment password corresponding to the login account; sending the second identity information to the application server so that the application server verifies the identity of the user according to the second identity information, and if the verification is successful, querying the account information corresponding to the payment accounts opened by the user in multiple payment institutions according to the user identity information.根據請求項1所述的方法，其中，在接收使用者用於查詢帳戶資訊的第一輸入之前，所述方法還包括：顯示多個支付機構對應的機構資訊；接收使用者從所述多個支付機構中選擇目標支付機構對應的機構資訊的第二輸入；所述向應用伺服器發送資訊查詢請求，包括：響應於所述第二輸入，向所述應用伺服器發送針對所述目標支付機構的目標資訊查詢請求，其中，所述目標資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊查詢使用者在所述目標支付機構開通的支付帳戶對應的帳戶資訊。According to the method of claim 1, before receiving the first input from the user for querying account information, the method further includes: displaying the institution information corresponding to multiple payment institutions; receiving the second input from the user for selecting the institution information corresponding to the target payment institution from the multiple payment institutions; the sending of the information query request to the application server includes:In response to the second input, sending a target information query request for the target payment institution to the application server, wherein the target information query request is used to instruct the application server to query the account information corresponding to the payment account opened by the user at the target payment institution according to the user identity information.根據請求項1所述的方法，其中，在接收使用者用於查詢帳戶資訊的第一輸入之前，所述方法還包括：顯示使用者授權提示資訊；所述向應用伺服器發送資訊查詢請求，包括：在使用者授權的情況下，向所述應用伺服器發送所述資訊查詢請求。According to the method of claim 1, before receiving the first input from the user for querying account information, the method further comprises: displaying user authorization prompt information; the sending of the information query request to the application server comprises: sending the information query request to the application server under user authorization.根據請求項1所述的方法，其中，所述顯示所述帳戶資訊，包括：顯示與所述帳戶資訊對應的查看提示資訊；接收使用者查看所述帳戶資訊的第四輸入；回應於所述第四輸入，顯示所述帳戶資訊。According to the method of claim 1, the displaying of the account information comprises: displaying viewing prompt information corresponding to the account information; receiving a fourth input from a user to view the account information; and displaying the account information in response to the fourth input.根據請求項5所述的方法，其中，所述回應於所述第四輸入，顯示所述帳戶資訊，包括：回應於所述第四輸入，向所述應用伺服器發送資訊查看請求，其中，所述資訊查看請求用於指示所述應用伺服器調用會員管理系統的積分支付介面，從所述登錄帳戶對應的積分中扣除查看所述帳戶資訊所需的積分，得到支付結果；接收所述應用伺服器發送的所述支付結果；在所述支付結果為支付成功的情況下，顯示所述帳戶資訊；在所述支付結果為支付失敗的情況下，顯示所述帳戶資訊中的部分資訊。According to the method of claim 5, wherein the displaying of the account information in response to the fourth input comprises: in response to the fourth input, sending an information viewing request to the application server, wherein the information viewing request is used to instruct the application server to call the points payment interface of the member management system, deduct the points required to view the account information from the points corresponding to the logged-in account, and obtain the payment result; receiving the payment result sent by the application server; if the payment result is a successful payment, displaying the account information; if the payment result is a failed payment, displaying part of the account information.根據請求項6所述的方法，其中，在向所述應用伺服器發送資訊查看請求之後，所述方法還包括：接收所述應用伺服器發送的資訊驗證請求；回應於所述資訊驗證請求，採集所述使用者輸入的驗證資訊；向所述應用伺服器發送所述驗證資訊，以使所述應用伺服器根據所述驗證資訊對所述使用者的身份進行驗證，在驗證通過的情況下，針對所述帳戶資訊執行對所述登錄帳戶對應的積分的支付操作，得到支付結果。According to the method of claim 6, after sending the information viewing request to the application server, the method further comprises: receiving the information verification request sent by the application server; in response to the information verification request, collecting the verification information input by the user; sending the verification information to the application server so that the application server verifies the identity of the user according to the verification information, and if the verification is passed, performing a payment operation for the points corresponding to the login account for the account information to obtain a payment result.一種資訊查詢方法，應用於應用伺服器，其特徵在於，包括：接收終端設備發送的認證查詢請求，所述認證查詢請求用於指示所述應用伺服器查詢目標應用程式中登錄帳號是否已實名認證，得到第一查詢結果；向所述終端設備發送所述第一查詢結果和第二查詢結果，其中，所述第二查詢結果為所述應用伺服器查詢所述登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；以使所述終端設備在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為存在所述歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，所述查詢記錄頁面中包括至少一個所述歷史查詢記錄；在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為不存在所述歷史查詢記錄的情況下，顯示所述資訊查詢頁面；在所述第一查詢結果為所述登錄帳號未實名認證的情況下，採集使用者輸入的第一身份資訊，其中，所述第一身份資訊包括使用者姓名、身份證號和人臉資訊；接收所述終端設備發送的所述第一身份資訊，根據所述第一身份資訊對所述使用者進行身份認證，得到身份認證結果；向所述終端設備發送所述身份認證結果，以使所述終端在所述身份認證結果為認證通過的情況下，顯示資訊查詢頁面；接收所述終端設備發送的資訊查詢請求，其中，所述資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；回應於所述資訊查詢請求，根據所述使用者身份資訊向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，以查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，所述帳戶查詢請求用於指示所述機構伺服器根據所述使用者身份資訊查詢使用者已開通的所述支付帳戶對應的帳戶標識，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；向所述終端設備發送所述帳戶資訊。An information query method is applied to an application server, and is characterized in that it includes: receiving an authentication query request sent by a terminal device, wherein the authentication query request is used to instruct the application server to query whether a login account in a target application has been authenticated by real name, and obtain a first query result; sending the first query result and a second query result to the terminal device, wherein the second query result is a query result obtained by the application server querying whether there is a historical query record of the login account within a preset time period; and enabling the terminal device to receive the first query result after receiving the first query result. When the query result is that the login account has been authenticated by real name, and the second query result is that the historical query record exists, the query record page is displayed, wherein the query record page includes at least one of the historical query records; when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record does not exist, the information query page is displayed; when the first query result is that the login account has not been authenticated by real name, the first identity information input by the user is collected, wherein ... The first identity information includes the user's name, ID number and face information; receiving the first identity information sent by the terminal device, authenticating the user according to the first identity information, and obtaining an identity authentication result; sending the identity authentication result to the terminal device, so that the terminal displays an information query page when the identity authentication result is authentication passed; receiving the information query request sent by the terminal device, wherein the information query request includes the user identity information corresponding to the login account in the target application; Response In the information query request, according to the user identity information, account query requests are sent to the institution servers corresponding to multiple payment institutions respectively to query the account information corresponding to the payment accounts opened by the user in multiple payment institutions, wherein the account query request is used to instruct the institution server to query the account identification corresponding to the payment account opened by the user according to the user identity information, and the account information includes at least one of the account quantity, balance information and billing information of the payment account; the account information is sent to the terminal device.根據請求項8所述的方法，其中，所述根據所述使用者身份資訊向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，以查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，包括：向所述多個支付機構對應的所述機構伺服器分別發送所述帳戶查詢請求；接收所述機構伺服器發送的所述帳戶標識；調用預設查詢介面，根據所述帳戶標識查詢所述支付帳戶對應的餘額資訊和帳單資訊。According to the method of claim 8, wherein the sending of account query requests to the institution servers corresponding to the multiple payment institutions according to the user identity information to query the account information corresponding to the payment accounts opened by the user in the multiple payment institutions comprises: sending the account query requests to the institution servers corresponding to the multiple payment institutions respectively; receiving the account identification sent by the institution server; calling the default query interface to query the balance information and billing information corresponding to the payment account according to the account identification.根據請求項8所述的方法，其中，在向所述終端設備發送所述帳戶資訊之後，所述方法還包括：接收所述終端設備發送的資訊查看請求；回應於所述資訊查看請求，調用會員管理系統的積分支付介面，從所述登錄帳戶對應的積分中扣除查看所述帳戶資訊所需的積分，得到支付結果；向所述終端設備發送所述支付結果，以使所述終端設備根據所述支付結果顯示所述帳戶資訊。The method according to claim 8, wherein after sending the account information to the terminal device, the method further comprises: receiving an information viewing request sent by the terminal device; in response to the information viewing request, calling the points payment interface of the member management system, deducting the points required for viewing the account information from the points corresponding to the logged-in account, and obtaining a payment result; sending the payment result to the terminal device, so that the terminal device displays the account information according to the payment result.一種資訊查詢裝置，應用於終端設備，其特徵在於，所述裝置包括：身份獲取模組，用於獲取目標應用程式中登錄帳號對應的使用者身份資訊；第一接收模組，用接收使用者用於查詢帳戶資訊的第一輸入；請求發送模組，用於回應於所述第一輸入，向應用伺服器發送資訊查詢請求，其中，所述資訊查詢請求中包括所述使用者身份資訊，所述資訊查詢請求用於指示所述應用伺服器根據所述使用者身份資訊向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，以查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，所述帳戶查詢請求用於指示所述機構伺服器根據所述使用者身份資訊查詢使用者已開通的所述支付帳戶對應的帳戶標識，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；資訊接收模組，用於接收所述應用伺服器發送的所述帳戶資訊；資訊顯示模組，用於顯示所述帳戶資訊；所述裝置還包括：第一發送模組，用於在接收使用者用於查詢帳戶資訊的第一輸入之前，回應於所述目標應用程式的啟動操作，向所述應用伺服器發送認證查詢請求，所述認證查詢請求用於指示所述應用伺服器查詢所述登錄帳號是否已實名認證，得到第一查詢結果；第一接收模組，用於接收所述應用伺服器發送的所述第一查詢結果；第三接收模組，用於接收所述應用伺服器發送的第二查詢結果，其中，所述第二查詢結果為所述應用伺服器查詢所述登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；第二顯示模組，用於在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為存在所述歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，所述查詢記錄頁面中包括至少一個所述歷史查詢記錄；第三顯示模組，用於在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為不存在所述歷史查詢記錄的情況下，顯示所述資訊查詢頁面；第一採集模組，用於在所述第一查詢結果為所述登錄帳號未實名認證的情況下，採集所述使用者輸入的第一身份資訊，其中，所述第一身份資訊包括使用者姓名、身份證號和人臉資訊；第二發送模組，用於向所述應用伺服器發送所述第一身份資訊，以使所述應用伺服器根據所述第一身份資訊對所述使用者進行身份認證，得到身份認證結果；第二接收模組，用於接收所述應用伺服器發送的所述身份認證結果；第一顯示模組，用於在所述身份認證結果為認證通過的情況下，顯示資訊查詢頁面。An information query device, applied to a terminal device, is characterized in that the device comprises: an identity acquisition module, used to obtain user identity information corresponding to a login account in a target application; a first receiving module, used to receive a first input from a user for querying account information; a request sending module, used to respond to the first input and send an information query request to an application server, wherein the information query request includes the user identity information, and the information query request is used to instruct the application server to send account query requests to institution servers corresponding to multiple payment institutions respectively according to the user identity information, so as to query account information corresponding to payment accounts opened by the user in multiple payment institutions, and the account query request is used to instructing the institution server to query the account identifier corresponding to the payment account opened by the user according to the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account; an information receiving module, used to receive the account information sent by the application server; an information display module, used to display the account information; the device also includes: a first sending module, used to respond to the startup operation of the target application before receiving the first input of the user for querying the account information, and send an authentication query request to the application server, wherein the authentication query request is used to instruct the application server to query whether the login account has been authenticated by real name, and obtain a first query result; a first a receiving module for receiving the first query result sent by the application server; a third receiving module for receiving the second query result sent by the application server, wherein the second query result is a query result obtained by the application server querying whether there is a historical query record of the login account within a preset time period; a second display module for displaying a query record page when the first query result is that the login account has been authenticated by real name and the second query result is that the historical query record exists, wherein the query record page includes at least one of the historical query records; a third display module for displaying a query record page when the first query result is that the login account has been authenticated by real name and the second query result is that the historical query record exists; When the historical query record exists, the information query page is displayed; the first collection module is used to collect the first identity information input by the user when the first query result is that the login account has not been authenticated by real name, wherein the first identity information includes the user's name, identity card number and face information; the second sending module is used to send the first identity information to the application server so that the application server authenticates the user according to the first identity information and obtains the identity authentication result; the second receiving module is used to receive the identity authentication result sent by the application server; the first display module is used to display the information query page when the identity authentication result is authentication passed.一種資訊查詢裝置，應用於應用伺服器，其特徵在於，所述裝置包括：請求接收模組，用於接收終端設備發送的資訊查詢請求，其中，所述資訊查詢請求中包括目標應用程式中登錄帳號對應的使用者身份資訊；資訊查詢模組，用於回應於所述資訊查詢請求，根據所述使用者身份資訊向多個支付機構對應的機構伺服器分別發送帳戶查詢請求，以查詢使用者在多個支付機構開通的支付帳戶對應的帳戶資訊，其中，所述帳戶查詢請求用於指示所述機構伺服器根據所述使用者身份資訊查詢使用者已開通的支付帳戶對應的帳戶標識，所述帳戶資訊包括所述支付帳戶的帳戶數量、餘額資訊和帳單資訊中的至少一項；資訊發送模組，用於向所述終端設備發送所述帳戶資訊；所述裝置用於在接收終端設備發送的資訊查詢請求之前，接收終端設備發送的認證查詢請求，所述認證查詢請求用於指示所述應用伺服器查詢目標應用程式中登錄帳號是否已實名認證，得到第一查詢結果；向所述終端設備發送所述第一查詢結果和第二查詢結果，其中，所述第二查詢結果為所述應用伺服器查詢所述登錄帳號在預設時間段內是否存在歷史查詢記錄，得到的查詢結果；以使所述終端設備在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為存在所述歷史查詢記錄的情況下，顯示查詢記錄頁面，其中，所述查詢記錄頁面中包括至少一個所述歷史查詢記錄；在所述第一查詢結果為所述登錄帳號已實名認證，且所述第二查詢結果為不存在所述歷史查詢記錄的情況下，顯示所述資訊查詢頁面；在所述第一查詢結果為所述登錄帳號未實名認證的情況下，採集使用者輸入的第一身份資訊，其中，所述第一身份資訊包括使用者姓名、身份證號和人臉資訊；接收所述終端設備發送的所述第一身份資訊，根據所述第一身份資訊對所述使用者進行身份認證，得到身份認證結果；向所述終端設備發送所述身份認證結果，以使所述終端在所述身份認證結果為認證通過的情況下，顯示資訊查詢頁面。An information query device, applied to an application server, is characterized in that the device comprises: a request receiving module, used for receiving an information query request sent by a terminal device, wherein the information query request includes user identity information corresponding to a login account in a target application; an information query module, used for responding to the information query request, and sending account query requests to institution servers corresponding to multiple payment institutions respectively according to the user identity information, so as to query account information corresponding to payment accounts opened by the user in multiple payment institutions, wherein the account query request is used to instruct the institution servers to send account query requests to the institution servers corresponding to the multiple payment institutions respectively according to the user identity information. The structure server queries the account identifier corresponding to the payment account opened by the user according to the user identity information, wherein the account information includes at least one of the account quantity, balance information and billing information of the payment account; the information sending module is used to send the account information to the terminal device; the device is used to receive the authentication query request sent by the terminal device before receiving the information query request sent by the terminal device, and the authentication query request is used to instruct the application server to query whether the login account in the target application has been authenticated by real name, and obtain a first query result; send the authentication query request to the terminal device. The first query result and the second query result, wherein the second query result is the query result obtained by the application server querying whether there is a historical query record of the login account within a preset time period; so that the terminal device displays a query record page when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record exists, wherein the query record page includes at least one of the historical query records; when the first query result is that the login account has been authenticated by real name, and the second query result is that the historical query record does not exist, In the case of historical query records, the information query page is displayed; in the case that the first query result is that the login account has not been authenticated by real name, the first identity information input by the user is collected, wherein the first identity information includes the user's name, identity card number and face information; the first identity information sent by the terminal device is received, and the user is authenticated according to the first identity information to obtain an identity authentication result; the identity authentication result is sent to the terminal device, so that the terminal displays the information query page when the identity authentication result is authentication passed.一種電子設備，其特徵在於，所述設備包括：處理器以及存儲有電腦程式指令的記憶體；所述處理器執行所述電腦程式指令時實現如請求項1-7或請求項8-10任意一項所述的資訊查詢方法的步驟。An electronic device, characterized in that the device comprises: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the steps of the information query method described in any one of claim items 1-7 or claim items 8-10 are implemented.一種電腦可讀存儲介質，其特徵在於，所述電腦可讀存儲介質上存儲有電腦程式指令，所述電腦程式指令被處理器執行時實現如請求項1-7或請求項8-10任意一項所述的資訊查詢方法的步驟。A computer-readable storage medium, characterized in that a computer program instruction is stored on the computer-readable storage medium, and when the computer program instruction is executed by a processor, the steps of the information query method described in any one of claim items 1-7 or claim items 8-10 are implemented.

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