Method and system for managing electronic accounts and terminal

Abstract

The invention provides a method and system for managing electronic accounts and a terminal. The method for managing the electronic accounts includes the steps that the transaction authority of a first-class operating system for the first electronic account and the transaction authority of a second-class operating system for the second electronic account are determined; whether fund circulation needs to be conducted through the first electronic account or not is judged according to the operating state; when it is judged that fund circulation does not need to be conducted through the first electronic account, the first-class operating system is controlled to transfer funds of the second electronic account to the first electronic account. By the adoption of the technical scheme, the transaction authorities can be judged and controlled according to the double systems and the operating state, the risk that the funds are stolen is avoided, the safety of the funds is guaranteed, and the user experience is improved.

Description

technical field [0001] The present invention relates to the technical field of terminals, in particular to an electronic account management method, an electronic account management system and a terminal. Background technique [0002] At present, many bank cards are connected to the Internet, but bank card passwords and user identity information are easily leaked and stolen by criminals. In the case of networking, they face a greater risk of fund theft and are more likely to be stolen by viruses. Steal account information and passwords, and fraudulent brushing often occurs at night. When the user’s funds are stolen while the user is asleep, the user has no way of knowing that the funds have been stolen. It is too late when the user wakes up and sees the bank deduction SMS. Funds have been stolen. Even if some banks are willing to bear the loss of users, they still need to face the problem of proof by users themselves. However, the existing terminals and banking systems cannot...

AI Technical Summary

Problems solved by technology

[0002] At present, many bank cards are connected to the Internet, but bank card passwords and user identity information are easily leaked and stolen by criminals. In the case of networking, they face a greater risk of fund theft and are more likely to be stolen by viruses. Steal account information and passwords, and fraudulent brushing often occurs at night. When the user’s funds are stolen while the user is asleep, the user has no way of knowing that the funds have been stolen. It is too late when the user wakes up and sees the bank deduction SMS. Funds have been stolen. Even if some banks are willing to bear the loss of users, they still need to face the problem of proof by users themselves. However, the existing terminals and banking systems cannot solve the above problems, so that funds cannot be guaranteed in a specific environment (such as at night) safety

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