The content of the invention
An embodiment of the present invention provides a kind of data transfer control method and relevant device, systems, can realize user
It during account balance deficiency, is paid using the bank account of binding, improves user experience.
In a first aspect, an embodiment of the present invention provides a kind of data transfer control method, including:First server, which receives, to be used
The first Transaction Information that family equipment is sent, first Transaction Information include shown user equipment acquisition target organism information and
Data transfer amount;The target organism is determined according to the binding relationship of the biological information, user account and the Bank Account Number that prestore
The transfer side's account and transfer side's bank account of information binding;The data volume detected in transfer side's account is less than the number
According to transfer amount, if so, sending the second Transaction Information to second server, second Transaction Information is shifted including the data
Amount, transfer side's bank account and recipient's bank account, so that the second server is receiving second friendship
Easy information, the data that second server is deducted according to second Transaction Information in transfer side's bank account shift
Amount, recipient's bank account is increased to by the data transfer amount.
With reference to first aspect, in the first realization of first aspect, the method further includes:
When detecting that the data volume in transfer side's account is not less than the data transfer amount, the transfer side is deducted
The data transfer amount in account.
The first is realized with reference to first aspect, and in second of realization of first aspect, first Transaction Information also wraps
Recipient's mark is included, after the first Transaction Information that user equipment is sent is received, the method further includes:According to the mark to prestore
Know the correspondence with account, determine that the recipient identifies corresponding recipient's account;
It is described when detecting that the data volume in transfer side's account is not less than the data transfer amount, deduct described turn
After the data transfer amount in shifting side's account, the method further includes:The data transfer amount is increased into the reception
Square account.
With reference to first aspect, the first realization of first aspect and second of realization of first aspect, in first aspect
The third realization in, it is described to second server send the second Transaction Information further include:Target is sent to second server to test
Information is demonstrate,proved, so that the second server, after the target verification information is received, the second server is to the target
Verification information carries out Information Authentication, and when the target verification information passes through Information Authentication, the second server is according to
Second Transaction Information deducts the data transfer amount in transfer side's bank account, and the data transfer amount is increased to institute
Recipient's bank account is stated, and prompting message is sent to the first server, transaction is completed with prompting;
The method further includes:The prompting message is received, and the prompting message is sent to the user terminal.
The third is realized with reference to first aspect, and in the 4th kind of realization of first aspect, the target verification information includes
The target organism information.
Second aspect, the embodiment of the present invention additionally provide a kind of data transfer control method, including:User equipment gathers mesh
Biological information is marked, and generates the first Transaction Information;First Transaction Information includes user equipment acquisition target organism letter
Breath and data transfer amount;First Transaction Information is sent to first server, so that the first server is receiving
After first Transaction Information, the first server is tied up according to biological information, user account and the Bank Account Number to prestore
Determine relation and determine the transfer side's account and transfer side's bank account of the target organism information binding, and detect the transfer side
Whether the data volume in account is less than the data transfer amount, if it is, sending the second Transaction Information, institute to second server
Stating the second Transaction Information includes the data transfer amount, transfer side's bank account and recipient's bank account, so that institute
It states second server and is receiving second Transaction Information, second server deducts described turn according to second Transaction Information
The data transfer amount is increased to recipient's bank account by the data transfer amount in shifting side's bank account.
With reference to second aspect, in the first realization of second aspect, first Transaction Information further includes recipient's mark
Know.
With reference to the first realization of second aspect, in second of realization of second aspect, the method further includes:
The checking request that the second server is sent is received, the checking request is used for the user equipment requests mesh
Mark verification information;
The target verification information of input is obtained, and the target verification information is sent to the second server, so that
For the second server after the target verification information is received, the second server carries out the target verification information
Information Authentication, when the target verification information passes through Information Authentication, the second server is according to second Transaction Information
The data transfer amount in transfer side's bank account is deducted, the data transfer amount is increased into the recipient bank
Account, and prompting message is sent to the user terminal, transaction is completed with prompting;
Receive the prompting message.
The third aspect, the embodiment of the present invention additionally provide a kind of server, including:
Receiving unit, for receiving the first Transaction Information of user equipment transmission, first Transaction Information includes shown
User equipment gathers target organism information and data transfer amount;
First determination unit, it is true for the binding relationship according to biological information, user account and the Bank Account Number to prestore
The transfer side's account and transfer side's bank account of the fixed target organism information binding;
Detection unit, for detecting whether the data volume in transfer side's account is less than the data transfer amount;
Control unit is performed for triggering transmitting element when the testing result of the detection unit is to be to second service
Device sends the step of the second Transaction Information;
The transmitting element, for sending the second Transaction Information to second server, second Transaction Information includes institute
Data transfer amount, transfer side's bank account and recipient's bank account are stated, so that the second server is receiving
Second Transaction Information, second server is according to deducting in transfer side's bank account second Transaction Information
The data transfer amount is increased to recipient's bank account by data transfer amount.
With reference to the third aspect, in the first realization of the third aspect, the server further includes:
Data processing unit is not less than the data transfer amount for working as the data volume detected in transfer side's account
When, deduct the data transfer amount in transfer side's account.
With reference to the first realization of the third aspect, in second of realization of the third aspect, first Transaction Information also wraps
Recipient's mark is included, the server further includes:
Second determination unit, basis is pre- after the first Transaction Information of user equipment transmission is received for the receiving unit
The mark and the correspondence of account deposited determine that the recipient identifies corresponding recipient's account;
The data processing unit is additionally operable to after the data transfer amount in deduction transfer side's account,
The data transfer amount is increased into recipient's account.
With reference to the third aspect, the third aspect the first realize and the third aspect is realized for second, the of the third aspect
During three kinds are realized, the transmitting element is additionally operable to, and target verification information is sent to second server, so that the second server
After the target verification information is received, the second server carries out Information Authentication to the target verification information, works as institute
When stating target verification information and passing through Information Authentication, the second server deducts the transfer side according to second Transaction Information
The data transfer amount is increased to recipient's bank account by the data transfer amount in bank account, and to described
First server sends prompting message, and transaction is completed with prompting;
The receiving unit is additionally operable to receive the prompting message;
The transmitting element is additionally operable to the prompting message being sent to the user terminal.
It is realized for second with reference to the third aspect, in the third realization of the third aspect,
With reference to the third realization of the third aspect, in the 4th kind of realization of the third aspect, the target verification information includes
The target organism information.
5th aspect, the embodiment of the present invention additionally provide a kind of user terminal, including:
Generation unit is gathered, for gathering target organism information, and generates the first Transaction Information;First Transaction Information
Target organism information and data transfer amount are gathered including shown user equipment;
Transmitting element, for sending first Transaction Information to first server, so that the first server is connecing
After receiving first Transaction Information, the first server is according to biological information, user account and the Bank Account Number to prestore
Binding relationship determine the transfer side's account and transfer side bank account of target organism information binding, and described in detecting turn
Whether the data volume in shifting side's account is less than the data transfer amount, believes if it is, sending the second transaction to second server
Breath, second Transaction Information include the data transfer amount, transfer side's bank account and recipient's bank account, with
The second server is made to receive second Transaction Information, second server is according to second Transaction Information deduction institute
The data transfer amount in transfer side's bank account is stated, the data transfer amount is increased into recipient's bank account.
With reference to the 5th aspect, in the first realization of the 5th aspect, first Transaction Information further includes recipient's mark
Know.
With reference to the first realization of the 5th aspect, in second of realization of the 5th aspect, the user terminal further includes:
Receiving unit, for receiving the checking request that the second server is sent, the checking request is used for described
User equipment requests target verification information;
The target verification information for obtaining the target verification information of input, and is sent to described the by acquiring unit
Two servers, so that the second server, after the target verification information is received, the second server is to the mesh
It marks verification information and carries out Information Authentication, when the target verification information passes through Information Authentication, the second server is according to institute
The data transfer amount in the second Transaction Information deduction transfer side's bank account is stated, the data transfer amount is increased to
Recipient's bank account, and prompting message is sent to the user terminal, transaction is completed with prompting;
The receiving unit is additionally operable to receive the prompting message.
6th aspect, the embodiment of the present invention additionally provide a kind of data transfer control system, including:User equipment, first
Server and second server, wherein,
The user equipment sends the first Transaction Information for gathering target organism information to first server, described
First Transaction Information includes target organism information and data transfer amount;
The first server for receiving first Transaction Information, and according to prestore biological information, user account
And the binding relationship of Bank Account Number determines the transfer side's account and transfer side's bank account of the target organism information binding,
And when detecting that the data volume in transfer side's account is less than the data transfer amount, sent to the second server
Second Transaction Information, second Transaction Information include the data transfer amount, transfer side's bank account and recipient
Bank account;
The second server is used to receive second Transaction Information, and according to deducting second Transaction Information
The data transfer amount in transfer side's bank account, and the data transfer amount is increased into recipient's bank account.
The embodiment of the present invention, first server receive the first Transaction Information that user equipment is sent, first Transaction Information
Target organism information and data transfer amount are gathered including user equipment;According to biological information, user account and the silver to prestore
The binding relationship of row account determines the transfer side's account and transfer side's bank account of the target organism information binding;Work as detection
Data volume in transfer side's account is less than the data transfer amount, and the second Transaction Information is sent to second server, described
Second Transaction Information includes the data transfer amount, transfer side's bank account and recipient's bank account, so that described
Second server is receiving second Transaction Information, and second server is according to the transfer of second Transaction Information deduction
The data transfer amount is increased to recipient's bank account by the data transfer amount in square bank account, so as to real
It during current family account balance deficiency, is paid using the bank account of binding, improves user experience.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is part of the embodiment of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained without making creative work
Example, belongs to the scope of protection of the invention.
Referring to Fig. 1, Fig. 1 is a kind of configuration diagram of data transfer control system provided in an embodiment of the present invention.This
The configuration diagram of control system can be shifted to implement based on the data by inventing each embodiment, data transfer control system
It can include user equipment 11, first server 12 and second server 13, wherein, user equipment 11 is adopted including biological information
Acquisition means, the biological information acquisition device can be fingerprint acquisition devices, such as fingerprint sensor;It can also be iris capturing dress
It puts, for example, camera;It can also be heart rate acquisition device etc..First server 12 can be business server, be used for managing
Family account and the server for storing the corresponding biological information of user account, bank account etc., such as campus card server, public transport
Card server, oiling card server.Second server 13 is for managing the server of user's bank account, can be bank's clothes
Business device or Third-party payment server, such as Alipay, Unionpay, wechat payment etc..It is appreciated that user equipment,
It can be communicated between one server 12 and second server 13 by fixed network or mobile network.It is appreciated that the greatest extent
Pipe Fig. 1 depicts two user equipmenies, a first server and a second server, and data transfer control system can
To include different number of user equipment, first server or second server.
Referring to Fig. 2, Fig. 2 is a kind of flow diagram of data transfer control method provided in an embodiment of the present invention, it should
Data transfer control method comprises the following steps:
Step S210:User equipment gathers target organism information.
Specifically, biological information such as fingerprint, iris, heart rate, facial characteristics, gene (DNA) etc. is the intrinsic physiology of people
Feature can be used for carrying out the identification of personal identification.User equipment gathers target organism information by biological information acquisition device.
The biological information acquisition device can be fingerprint acquisition device, for example fingerprint sensor, corresponding target organism information are fingerprint
Information;Can also be iris collection device, for example, camera, corresponding target organism information is iris information;It can also be the heart
Rate harvester, corresponding target organism information are heart rate information etc..
For example, user takes public transport, such as bus, and bus fee paying is carried out using biological information,
User inputs target organism information, for example finger print information, user equipment pass through finger by the user equipment being mounted on bus
Line sensor (i.e. biological information acquisition device) collects the user fingerprints information (i.e. target organism information) of the input.
Step S220:User equipment sends the first Transaction Information to first server, and first Transaction Information includes mesh
Mark biological information and data transfer amount.
Specifically, user equipment can be after target organism information be received, according to target organism information and data
Transfer amount generates the first Transaction Information, and the first Transaction Information is sent to first server;It can also be shifted including data
The payment interface of amount, after user equipment receives target organism information input by user, according to target organism information and data
Transfer amount generate the first Transaction Information, and the first Transaction Information is sent to first server.
It is appreciated that user equipment can receive the transfer amount of the data of input, for example user equipment can be on consumption circle
Face or payment interface receive spending amount input by user, which is the transfer amount of data;User equipment can also
Transfer amount of the fixed number as data is set, for example, user equipment can set the fixation of bus to ride expense as data
Transfer amount.
For example, the user equipment on bus is by the user fingerprints information of the input and by bus, (i.e. data shift expense
Amount) it is sent to bus service device (i.e. first server).
Step S230:The first server receives first Transaction Information, and according to prestore biological information, user
The binding relationship of account and Bank Account Number determines transfer side's account of the target organism information binding and bank of transfer side
Account.
Specifically, first server can prestore biological information, user account and the silver of user in the database
Public transport account for example, user is when handling public transport account, can be bound biological information and (for example referred to by the binding relationship of row account
Line information), bank account, bus service device storage user public transport account, binding biological information, bank account.Wherein, use
Family account includes account identification and data volume, for example the account identification of public transport account can be public transport account or Customs Assigned Number
Deng the data volume can be the remaining sum of public transport account;Bank account can include user's Bank Account Number etc.;When first server connects
After receiving the first Transaction Information, the target organism information that is included according to the first Transaction Information is looked into the database of first server
The user account and bank account that the target organism information is bound are looked for, the user account of target organism information binding is to turn
Shifting side's account, the bank account of target organism information binding is transfer side's bank account.For example, bus service device is according to connecing
After receiving user fingerprints information and by bus expense, the binding of the user's finger print information is searched in the database of bus service device
User's public transport account and user's bank account, the user's public transport account and user's bank account of the binding of the user's finger print information
It is that bus service device is handling the transfer side's account needed during the payment of this bus fee and transfer side's bank account respectively.
Optionally, the first Transaction Information further includes recipient's mark, and the first server receives the first transaction letter
After breath, this method can also include:According to the mark and the correspondence of account to prestore, determine that the recipient identifies and correspond to
Recipient's account.Wherein, which can be customer equipment identification, such as MAC (the Media Access of user equipment
Control Medium Access Control) address, IP address (Internet Protocol Address);Also may be used
To be recipient's account, for example each bus can have different collecting accounts.It is appreciated that user equipment can be deposited in advance
It stores up recipient's account and accompanies the first Transaction Information and be sent to first server together.When this is identified as customer equipment identification,
First server can prestore the correspondence of mark and account, and after the first Transaction Information is received, according to the mark
Know and determine the corresponding recipient's account of the mark of user equipment with the correspondence of account.
Step S240:Whether the data volume that the first service is detected in transfer side's account, which is less than the data, is shifted
Amount.
Specifically, whether the data volume that first server is checked in transfer side's account is less than the data transfer amount, if
It is then to perform step S250;Otherwise, step S270 is performed.For example, the remaining sum that bus service device detects the user's public transport account is
It is no to be less than expense by bus, if it is, performing step S250;Otherwise, step S270 is performed.
Step S250:The first server sends the second Transaction Information, second transaction to the second server
Information includes the data transfer amount, transfer side's bank account and recipient's bank account.When the detection of step S240
As a result it is when being, to perform step S250.Wherein, recipient's bank account can be the default recipient bank account of first server
Family.Optionally, the first Transaction Information can also include recipient's mark, which can also be first server
According to the mark and the correspondence of bank account to prestore, definite recipient identifies corresponding recipient's bank account.Second
Server can be bank server or the server of Third-party payment platform.
For example, when the remaining sum of bus service device detection user's public transport account is less than the riding fee used time, bus service device is to silver
Row server (i.e. second server) sends the second Transaction Information, and (second Transaction Information includes expense, user bank account by bus
Family and recipient's bank account.
Step S260:The second server receives second Transaction Information, and according to the second Transaction Information button
The recipient bank is increased to except the data transfer amount in transfer side's bank account, and by the data transfer amount
Account.
Specifically, second server deducts the data transfer amount in transfer side's bank account according to the second Transaction Information, and
Data transfer amount is increased to the embodiment of recipient's bank account to be, second server is receiving the second transaction letter
After breath, the data transfer amount in transfer side's bank account is deducted according to the second Transaction Information, and data transfer amount is increased to and is connect
Debit's bank account, i.e., from shifting side, bank account produces the data transfer amount and gives recipient's bank account;It is also possible that the second clothes
Device be engaged in after the second Transaction Information is received, according to the phone number of transfer side bank account binding, by short message or phone into
Row verification after being proved to be successful, deducts the data transfer amount in transfer side's bank account, and data transfer amount is increased to reception
Square bank account.
Optionally, the second Transaction Information includes target verification information and recipient and identifies, which can be with
It is the target verification message that the user equipment received is sent, such as bank paying password etc., recipient mark can be user
The MAC Address or IP address of equipment, the method that second server carries out Information Authentication can also be:Second server can basis
Recipient identifies to user equipment and sends checking request, to the user equipment requests target verification information;User terminal receives
To after the checking request, user terminal obtains target verification information input by user, at this point, user terminal can prompt user defeated
Enter the encrypted message of the bank account of binding, which can be bank paying number, bank paying fingerprint etc.;User sets
It is standby that the target verification information that this gets is sent to second server;Second server receives the target verification information, and
Information Authentication is carried out to target verification information, when the target verification information passes through Information Authentication, the second server is held
Row step S160, and prompting message is sent to user terminal, transaction is completed with prompting;User equipment receives the prompting message, and
User is prompted to complete transaction.
Optionally, the method for second server progress Information Authentication can also be:Second server can also be to the first clothes
Business device sends checking request, after first server receives the checking request, obtains target verification information, wherein, which tests
Card information can be target organism information or, to user equipment send acquisition request to target verification information;Second
Server receives the target verification information, and carries out Information Authentication to target verification information, when the target verification information is led to
When crossing Information Authentication, the second server performs step S260, and sends prompting message to the first server, with prompting
Complete transaction;First server can send the prompting message to user terminal, and user equipment receives the prompting message, and prompts
User completes transaction.
Step S270:The first server deducts the data transfer amount in transfer side's account.
When the testing result of step S240 is no, step S270 is performed.I.e. when the data volume in transfer side's account is not small
In data transfer amount, first server can deduct the data transfer amount in transfer side's account at this time.
Optionally, the first Transaction Information further includes recipient and identifies, and after step S270, this method can also include counting
Recipient's account is increased to according to transfer amount.
The embodiment of the present invention, first server receive the first Transaction Information that user equipment is sent, first Transaction Information
Target organism information and data transfer amount are gathered including user equipment;According to biological information, user account and the silver to prestore
The binding relationship of row account determines the transfer side's account and transfer side's bank account of the target organism information binding;Work as detection
Data volume in transfer side's account is less than the data transfer amount, and the second Transaction Information is sent to second server, described
Second Transaction Information includes the data transfer amount, transfer side's bank account and recipient's bank account, so that described
Second server is receiving second Transaction Information, and second server is according to the transfer of second Transaction Information deduction
The data transfer amount is increased to recipient's bank account by the data transfer amount in square bank account, so as to real
It during current family account balance deficiency, is paid using the bank account of binding, improves user experience.
Referring to Fig. 3, Fig. 3 is a kind of structure diagram of server provided in an embodiment of the present invention, which includes:
Receiving unit 310, for receiving the first Transaction Information of user equipment transmission, first Transaction Information includes institute
Show user equipment acquisition target organism information and data transfer amount;
First determination unit 320, for the binding relationship according to biological information, user account and the Bank Account Number to prestore
Determine the transfer side's account and transfer side's bank account of the target organism information binding;
Detection unit 330, for detecting the data volume in transfer side's account less than the data transfer amount;
Control unit 340, triggering transmitting element 350 is performed to the during for being when the testing result of the detection unit
Two servers send the step of the second Transaction Information;
The transmitting element 350, for sending the second Transaction Information to second server, second Transaction Information includes
The data transfer amount, transfer side's bank account and recipient's bank account, so that the second server is receiving
To second Transaction Information, second server deducts the institute in transfer side's bank account according to second Transaction Information
Data transfer amount is stated, the data transfer amount is increased into recipient's bank account.
Optionally, the server further includes:Data processing unit, for working as the number detected in transfer side's account
During according to amount not less than the data transfer amount, the data transfer amount in transfer side's account is deducted.
Optionally, first Transaction Information further includes recipient's mark, and the server further includes:
Second determination unit, basis is pre- after the first Transaction Information of user equipment transmission is received for the receiving unit
The mark and the correspondence of account deposited determine that the recipient identifies corresponding recipient's account;
The data processing unit 360 be additionally operable to the data transfer amount deducted in transfer side's account it
Afterwards, the data transfer amount is increased into recipient's account.
Optionally, the transmitting element 350 is additionally operable to, and target verification information is sent to second server, so that described the
For two servers after the target verification information is received, the second server tests the target verification information into row information
Card, when the target verification information passes through Information Authentication, the second server deducts institute according to second Transaction Information
The data transfer amount in transfer side's bank account is stated, the data transfer amount is increased into recipient's bank account,
And prompting message is sent to the first server, transaction is completed with prompting;
The receiving unit 310 is additionally operable to receive the prompting message;
The transmitting element 350 is additionally operable to the prompting message being sent to the user terminal.
Optionally, the target verification information includes the target organism information.
It should be noted that receiving unit 310, the first determination unit 320, inspection in server in various embodiments of the present invention
The function of surveying unit 330, control unit 340, transmitting element 350, data processing unit and the second determination unit can be according to upper
The method specific implementation in embodiment of the method is stated, specific implementation process is referred to the associated description of above method embodiment,
Details are not described herein again.
Referring to Fig. 4, Fig. 4 is the structure diagram of another server provided in an embodiment of the present invention, as shown in figure 4,
The server includes processor 41, memory 42 and communication interface 43.Processor 41 is connected to memory 42 and communication interface
43, such as processor 41 can be connected to memory 42 and communication interface 43 by bus.
Processor 41 is configured as that the server is supported to perform first service in data transfer control method shown in Fig. 2
The corresponding function that device is realized.The processor 41 can be central processing unit (English:Central processing unit,
CPU), network processing unit (English:Network processor, NP), hardware chip or its any combination.Above-mentioned hardware core
Piece can be application-specific integrated circuit (English:Application-specific integrated circuit, ASIC), it can compile
Journey logical device (English:Programmable logic device, PLD) or its combination.Above-mentioned PLD can be that complexity can be compiled
Journey logical device (English:Complex programmable logic device, CPLD), field programmable gate array
(English:Field-programmable gate array, FPGA), Universal Array Logic (English:generic array
Logic, GAL) or its any combination.
42 memory of memory is used to store program code etc..Memory 42 can include volatile memory (English:
Volatile memory), such as random access memory (English:Random access memory, abbreviation:RAM);Storage
Device 42 can also include nonvolatile memory (English:Non-volatile memory), such as read-only memory (English:
Read-only memory, abbreviation:ROM), flash memory (English:Flash memory), hard disk (English:hard disk
Drive, abbreviation:HDD) or solid state disk is (English:Solid-state drive, abbreviation:SSD);Memory 42 can also include
The combination of the memory of mentioned kind.
Communication interface 43 is used to communicate to receive and dispatch with user terminal, second server etc. involved in the above method
Message.
Processor 41 can call said program code to perform following operation:
The first Transaction Information of user equipment transmission is received by communication interface 43, first Transaction Information includes described
User equipment gathers target organism information and data transfer amount;
The target organism information is determined according to the binding relationship of the biological information, user account and the Bank Account Number that prestore
Transfer side's account of binding and transfer side's bank account;
Detect whether the data volume in transfer side's account is less than the data transfer amount;
When detect the data volume in transfer side's account be less than the data transfer amount when, by communication interface 43 to
Second server sends the second Transaction Information, and second Transaction Information includes the data transfer amount, the bank of transfer side
Account and recipient's bank account, so that the second server is receiving second Transaction Information, second server
The data transfer amount in transfer side's bank account is deducted according to second Transaction Information, by the data transfer amount
Increase to recipient's bank account.
Optionally, processor 41 is additionally operable to perform:
When detecting that the data volume in transfer side's account is not less than the data transfer amount, the transfer side is deducted
The data transfer amount in account.
Optionally, first Transaction Information further includes recipient's mark, performs and described is connect by communication in processor 41
After mouth 43 receives the first Transaction Information that user equipmenies are sent, processor 41 is additionally operable to perform:According to the mark and account to prestore
The correspondence at family determines that the recipient identifies corresponding recipient's account;
The data volume in transfer side's account is detected is performed in processor 41 to shift not less than the data
During amount, after deducting the data transfer amount in transfer side's account, processor 41 is additionally operable to perform:The data are turned
Shifting amount increases to recipient's account.
Optionally, processor 41 performs described sends the second Transaction Information also by communication interface 43 to second server
During step, it is further used for performing:Target verification information is sent to second server by communication interface 43, so that described second
For server after the target verification information is received, the second server tests the target verification information into row information
Card, when the target verification information passes through Information Authentication, the second server deducts institute according to second Transaction Information
The data transfer amount in transfer side's bank account is stated, the data transfer amount is increased into recipient's bank account,
And prompting message is sent to the first server, transaction is completed with prompting;
Processor 41 is additionally operable to perform:The prompting message is received by communication interface 43, and the prompting message is led to
It crosses communication interface 43 and is sent to the user terminal.
Optionally, the target verification information includes the target organism information.
Referring to Fig. 5, Fig. 5 is a kind of structure diagram of user terminal provided in an embodiment of the present invention, the server bag
It includes:
Generation unit 510 is gathered, for gathering target organism information, and generates the first Transaction Information;First transaction
Information includes shown user equipment acquisition target organism information and data transfer amount;
Transmitting element 520, for sending first Transaction Information to first server, so that the first server exists
After receiving first Transaction Information, the first server is according to biological information, user account and the bank's account to prestore
Number binding relationship determine the transfer side's account and transfer side bank account of target organism information binding, and described in detection
Data volume in transfer side's account is less than the data transfer amount, if it is, the second Transaction Information is sent to second server,
Second Transaction Information includes the data transfer amount, transfer side's bank account and recipient's bank account, so that
The second server is receiving second Transaction Information, and second server is according to deducting second Transaction Information
The data transfer amount is increased to recipient's bank account by the data transfer amount in transfer side's bank account.
Optionally, first Transaction Information further includes recipient's mark.
Optionally, the user terminal further includes:
Receiving unit, for receiving the checking request that the second server is sent, the checking request is used for described
User equipment requests target verification information;
The target verification information for obtaining the target verification information of input, and is sent to described the by acquiring unit
Two servers, so that the second server, after the target verification information is received, the second server is to the mesh
It marks verification information and carries out Information Authentication, when the target verification information passes through Information Authentication, the second server is according to institute
The data transfer amount in the second Transaction Information deduction transfer side's bank account is stated, the data transfer amount is increased to
Recipient's bank account, and prompting message is sent to the user terminal, transaction is completed with prompting;
The receiving unit 530 is additionally operable to receive the prompting message.
It should be noted that gathered in user equipment in various embodiments of the present invention generation unit 510, transmitting element 520,
The function of receiving unit and acquiring unit can be implemented according to the method in above method embodiment, implement process
The associated description of above method embodiment is referred to, details are not described herein again.
Referring to Fig. 6, Fig. 6 is the structure diagram of another user equipment provided in an embodiment of the present invention, such as Fig. 6 institutes
Show, the user's equipment includes processor 61,62 communication interface 63 of memory, biological information acquisition device 64 and input equipment
65.Processor 61 is connected to memory 62, communication interface 63, biological information acquisition device 64 and input equipment 65, such as handles
Device 61 can be connected to memory 62, communication interface 63, biological information acquisition device 64 and input equipment 65 by bus.
Processor 61 is configured as that the user equipment is supported to perform in data transfer control method shown in Fig. 2 accordingly
Function.The processor 61 can be central processing unit (English:Central processing unit, CPU), network processing unit
(English:Network processor, NP), hardware chip or its any combination.Above-mentioned hardware chip can be special integrated
Circuit (English:Application-specific integrated circuit, ASIC), programmable logic device (English:
Programmable logic device, PLD) or its combination.Above-mentioned PLD can be Complex Programmable Logic Devices (English:
Complex programmable logic device, CPLD), field programmable gate array (English:field-
Programmable gate array, FPGA), Universal Array Logic (English:Generic array logic, GAL) or its
Any combination.
62 memory of memory is used to store program code etc..Memory 62 can include volatile memory (English:
Volatile memory), such as random access memory (English:Random access memory, abbreviation:RAM);Storage
Device 62 can also include nonvolatile memory (English:Non-volatile memory), such as read-only memory (English:
Read-only memory, abbreviation:ROM), flash memory (English:Flash memory), hard disk (English:hard disk
Drive, abbreviation:HDD) or solid state disk is (English:Solid-state drive, abbreviation:SSD);Memory 62 can also include
The combination of the memory of mentioned kind.
Biological information acquisition device 64 can be fingerprint acquisition device, such as fingerprint sensor;It can also be iris capturing
Device, for example, camera;It can also be heart rate acquisition device etc..
Input unit 65 can include Trackpad, fingerprint and adopt sensor (for gathering the finger print information of user and fingerprint
Directional information), microphone etc..
Communication interface 63 is used to communicate to receive and dispatch with first server, second server etc. involved in the above method
Message.
Processor 61 can call said program code to perform following operation:
Target organism information is gathered by biological information acquisition device 64, and generates the first Transaction Information;Described first hands over
Easy information includes shown user equipment acquisition target organism information and data transfer amount;
First Transaction Information is sent to first server by communication interface 63, so that the first server is connecing
After receiving first Transaction Information, the first server is according to biological information, user account and the Bank Account Number to prestore
Binding relationship determine the transfer side's account and transfer side bank account of target organism information binding, and described in detecting turn
Whether the data volume in shifting side's account is less than the data transfer amount, believes if it is, sending the second transaction to second server
Breath, second Transaction Information include the data transfer amount, transfer side's bank account and recipient's bank account, with
The second server is made to receive second Transaction Information, second server is according to second Transaction Information deduction institute
The data transfer amount in transfer side's bank account is stated, the data transfer amount is increased into recipient's bank account.
Optionally, first Transaction Information further includes recipient's mark.
Optionally, processor 61 is additionally operable to perform:
The checking request of the second server transmission is received by communication interface 63, the checking request is used for described
User equipment requests target verification information;
The target verification information of input is obtained by input equipment 65, and the target verification information is sent to described the
Two servers, so that the second server, after the target verification information is received, the second server is to the mesh
It marks verification information and carries out Information Authentication, when the target verification information passes through Information Authentication, the second server is according to institute
The data transfer amount in the second Transaction Information deduction transfer side's bank account is stated, the data transfer amount is increased to
Recipient's bank account, and prompting message is sent to the user terminal, transaction is completed with prompting;
The prompting message is received by communication interface 63.
It should be noted that for foregoing each embodiment of the method, in order to be briefly described, therefore it is all expressed as to a system
The combination of actions of row, but those skilled in the art should know, the present invention and from the limitation of described sequence of movement, because
For according to the present invention, certain some step may be employed other orders or be carried out at the same time.Secondly, those skilled in the art also should
Know, embodiment described in this description belongs to preferred embodiment, involved action and module not necessarily this hair
Necessary to bright.
In the above-described embodiments, all emphasize particularly on different fields to the description of each embodiment, be not described in some embodiment
Part, may refer to the associated description of other embodiment.
One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is can
Relevant hardware to be instructed to complete by program, which can be stored in a computer readable storage medium, storage
Medium can include:Flash disk, read-only memory (Read-Only Memory, ROM), random access device (Random Access
Memory, RAM), disk or CD etc..