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Transfer method and device

A transfer amount and account technology, which is applied in the financial field, can solve problems such as transfer failures, and achieve the effect of improving the success rate of transfers

Inactive Publication Date: 2017-06-13
WEBANK (CHINA)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] The main purpose of the present invention is to provide a transfer method and device, aiming to solve the technical problem of transfer failure when the existing account amount is less than the transfer amount

Method used

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Embodiment Construction

[0044] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0045] The invention provides an account transfer method.

[0046] refer to figure 1 , figure 1 It is a schematic flow chart of a preferred embodiment of the transfer method of the present invention.

[0047] In this embodiment, the transfer method includes:

[0048] Step S10, when a transfer instruction is received, detect whether the account amount of the account corresponding to the transfer instruction is less than the transfer amount corresponding to the transfer instruction;

[0049] The executors of the embodiments of the present invention can be devices such as smart phones, tablet computers, personal computers, and ATMs (Automatic Teller Machines, automatic teller machines). Non-bank institutions such as smart phones, tablet computers, and personal computers can install corresponding APP Realize the trans...

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PUM

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Abstract

The invention discloses a transfer method. The method comprises the steps of when a transfer command is received, checking whether the value of the account corresponding to the transfer command is smaller than the transfer amount corresponding to the transfer command; if the account value is smaller than the transfer amount, determining whether the total value of the account value and the amount allowed to be borrowed to the account is larger than or equal to the transfer amount; if the total value of the account value and the amount allowed to be borrowed to the account is larger than or equal to the transfer amount, based on the transfer command implementing the transfer operation. The invention further discloses a transfer device. The transfer method and device achieve that when the account value is smaller than the transfer amount, the transfer operation can be completed through borrowing from corresponding agencies, such as borrowing from the bank where the account is registered to complete the transfer operation, and therefore the transfer success rate can be increased.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to an account transfer method and device. Background technique [0002] During the transfer process, the transfer operation can only be completed when the account amount is greater than or equal to the transfer amount. When the account amount is less than the transfer amount, the transfer operation cannot be completed. If the user wants to complete the transfer operation when the account amount is less than the transfer amount, he must first deposit a certain amount into the account so that the account amount is greater than the transfer amount. Contents of the invention [0003] The main purpose of the present invention is to provide an account transfer method and device, aiming to solve the technical problem of transfer failure when the existing account amount is less than the transfer amount. [0004] In order to achieve the above purpose, the present invention provides a ...

Claims

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Application Information

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IPC IPC(8): G06Q20/10G06Q20/26
CPCG06Q20/102G06Q20/26
Inventor 李林郑露商婷婷张翠菊李昊彦曹颖卢山
Owner WEBANK (CHINA)
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