CN109697607A - A kind of Electronic Transfer method, apparatus and storage medium - Google Patents
A kind of Electronic Transfer method, apparatus and storage medium Download PDFInfo
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- CN109697607A CN109697607A CN201811628977.2A CN201811628977A CN109697607A CN 109697607 A CN109697607 A CN 109697607A CN 201811628977 A CN201811628977 A CN 201811628977A CN 109697607 A CN109697607 A CN 109697607A
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- electronic transfer
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- authority identification
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The invention discloses a kind of Electronic Transfer method, apparatus and storage mediums, to improve the safety of Electronic Transfer and success rate of transferring accounts.Electronic Transfer method, comprising: receive Electronic Transfer request message, carry the first user identifier in the Electronic Transfer request message；Search the user identifier pre-established the first authority identification corresponding with whether there is first user identifier in the corresponding relationship of authority identification；If it is, then according to the first authority identification found, Electronic Transfer message is sent to mechanism processing system, first user identifier is carried in the Electronic Transfer message, is searched corresponding user account information according to first user identifier by the mechanism processing system and is completed Electronic Transfer and operates.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of Electronic Transfer method, apparatus and storage mediums.
Background technique
With the development of internet technology, internet finance is surging forward, and almost changes user in finance experience
Various aspects are transferred accounts, pay, collect money, are borrowed or lent money, and user experience is more and more convenient.Traditional bank transfer needs to input other side
A lot of bank card number, is also predefined bank of deposit, and troublesome in poeration and worry is inputed by mistake.And it is based on mobile payment technology and communication
The Electronic Transfer mode of record provides mode of more easily transferring accounts for user.
Currently, the Electronic Transfer mode based on address list, payment user logs in Mobile banking's client, input by mobile phone
It gathering subscriber phone number (or from cell phone address book selection gathering subscriber phone number), gathering address name and transfers accounts
Transfer request is submitted after the amount of money, whether the affiliated bank's inquiry payment user of payment user account registered gathering user information (surname
Name, cell-phone number and beneficiary bank card number), and the consistency of gathering address name, cell-phone number is verified, if unanimously, by paying
The affiliated bank of money user account sends transfer instructions to the affiliated bank of gathering user account by transfer platform, wherein including to receive
The information such as money address name, bank's card number complete transfer operation；If inconsistent or do not inquire gathering user information,
The payment affiliated bank of user sends short message to gathering user according to phone number, passes through message reply by gathering user and submits receipts
After the account informations such as the Bank Account Number of money user to the payment affiliated bank of user, then by the affiliated bank of payment user account by turning
It connects platform and sends transfer instructions to bank described in gathering user account, complete transfer operation.
In above-mentioned transfer operation process, in order to complete transfer operation, the affiliated bank of payment user account, which needs to record, is received
Account information of money user, such as gathering address name, cell-phone number and Bank Account Number etc., increase user account information and let out
The risk of dew, in addition, it will cause turn if the payment affiliated bank of user account does not get the account information of gathering user
Account failure.
Summary of the invention
The embodiment of the present invention provides a kind of Electronic Transfer method, apparatus and storage medium, to improve the peace of Electronic Transfer
Full property and success rate of transferring accounts.
In a first aspect, providing a kind of Electronic Transfer method, comprising:
Electronic Transfer request message is received, carries the first user identifier in the Electronic Transfer request message；
It searches in the corresponding relationship of the user identifier and authority identification that pre-establish with the presence or absence of first user identifier
Corresponding first authority identification；
If it is, Electronic Transfer message is sent to mechanism processing system according to the first authority identification found, it is described
First user identifier is carried in Electronic Transfer message, is looked by the mechanism processing system according to first user identifier
It looks for corresponding user account information and completes Electronic Transfer operation.
Wherein, the corresponding relationship of the user identifier and receipt and payment authority identification is established according to following below scheme:
It receives Electronic Transfer and opens request message, the Electronic Transfer, which is opened, carries second user mark in request message
With the second authority identification；
Search in the corresponding relationship of established user identifier and authority identification with the presence or absence of the second user mark and
The corresponding relationship of second authority identification；
If it does not exist, then establishing corresponding relationship and the storage of the second user mark and the second authority identification.
Optionally, Electronic Transfer method provided in an embodiment of the present invention, further includes:
If there is the corresponding relationship of second user mark and the second authority identification, then it is open-minded to return to Electronic Transfer
Response message.
Optionally, Electronic Transfer method provided in an embodiment of the present invention, further includes:
If first user identifier pair is not present in the corresponding relationship of the user identifier and authority identification that pre-establish
The first authority identification answered then returns to the response message that the other user's information is not present.
Preferably, first user identifier or second user mark include communicating number and/or address name.
Second aspect provides a kind of Electronic Transfer device, comprising:
First receiving unit carries for receiving Electronic Transfer request message in the Electronic Transfer request message
One user identifier；
First searching unit whether there is in the corresponding relationship for searching the user identifier and authority identification that pre-establish
Corresponding first authority identification of first user identifier；
Response unit, for finding the corresponding first mechanism mark of first user identifier in first searching unit
When knowledge, according to the first authority identification found, Electronic Transfer message, the Electronic Transfer message are sent to mechanism processing system
In carry first user identifier, corresponding user is searched according to first user identifier by the mechanism processing system
Account information simultaneously completes Electronic Transfer operation.
Optionally, Electronic Transfer device provided in an embodiment of the present invention, further includes:
Second receiving unit opens request message for receiving Electronic Transfer, and the Electronic Transfer is opened in request message
Carry second user mark and the second authority identification；
Second searching unit whether there is institute in the corresponding relationship for searching established user identifier and authority identification
State the corresponding relationship of second user mark and the second authority identification；
Unit is established, if not finding the second user mark and the second mechanism mark for second searching unit
The corresponding relationship of knowledge then establishes corresponding relationship and the storage of the second user mark and the second authority identification.
Optionally, the response unit, if being also used to second searching unit finds the second user mark
With the corresponding relationship of the second authority identification, then the response message that Electronic Transfer has been opened is returned.
Optionally, the response unit, if being also used to first searching unit does not find the first user mark
Know corresponding first authority identification, then returns to the response message that the other user's information is not present.
Optionally, first user identifier or second user mark include communicating number and/or address name.
The third aspect provides a kind of computing device, including at least one processor and at least one processor, wherein
The memory is stored with computer program, when described program is executed by the processor, so that the processor executes institute
State either step described in Electronic Transfer method.
Fourth aspect provides a kind of computer-readable medium, is stored with the computer program that can be executed by computing device,
When described program is run on the computing device, so that the computing device executes any step described in the Electronic Transfer method
Suddenly.
In Electronic Transfer method, apparatus provided in an embodiment of the present invention and storage medium, by pre-establishing user identifier
User identifier only need to be provided, it is searched according to user identifier when carrying out Electronic Transfer operation with the corresponding relationship of authority identification
Corresponding authority identification, and Electronic Transfer request is sent to corresponding mechanism processing system according to the authority identification found, by
It is searched corresponding user account information according to user identifier and completes Electronic Transfer operation, in the above process, payment mechanism and
Transfer platform does not obtain user account information, to reduce the risk that user account information is leaked, improves electronics and turns
The safety of account.Moreover, in the case where there is no user account information, still being able to complete electronics turn in above-mentioned process
Account operation, to improve the success rate of Electronic Transfer.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by written explanation
Specifically noted structure is achieved and obtained in book, claims and attached drawing.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present invention, constitutes a part of the invention, this hair
Bright illustrative embodiments and their description are used to explain the present invention, and are not constituted improper limitations of the present invention.In the accompanying drawings:
Fig. 1 a is the application scenarios schematic diagram according to embodiment of the present invention；
Fig. 1 b is the application scenarios schematic diagram that Electronic Transfer function is opened according to the user of embodiment of the present invention；
Fig. 2 is to open flow diagram according to the Electronic Transfer of embodiment of the present invention；
Fig. 3 is the Electronic Transfer method implementation process diagram according to embodiment of the present invention；
Fig. 4 is according to the payment mechanism processing system of mode of the embodiment of the present invention, transfer platform and receipt and payment mechanism processing system
The interaction flow schematic diagram of system；
Fig. 5 is the structural schematic diagram according to the payment devices of embodiment of the present invention；
Fig. 6 is the structural schematic diagram according to the computing device of embodiment of the present invention.
Specific embodiment
In order to improve the safety and success rate of Electronic Transfer operation, the embodiment of the invention provides a kind of Electronic Transfer sides
Method, device and storage medium.
Terminal device in the present invention can be PC (full name in English: Personal Computer, PC), plate
Computer, personal digital assistant (Personal Digita l Assistant, PDA), personal communication service (full name in English:
Personal Communication Service, PCS) terminal devices such as phone, notebook and mobile phone, it is also possible to have and moves
The computer of dynamic terminal, for example, it may be portable, pocket, hand-held, built-in computer or vehicle-mounted mobile dress
Set, the equipment that they can provide a user voice and/or data connectivity, and exchange with wireless access network language and/or
Data.
In addition, the specification and claims in the embodiment of the present invention and the term " first " in above-mentioned attached drawing, "
Two " etc. be to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should be understood that using in this way
Data be interchangeable under appropriate circumstances, so that the embodiments described herein can be in addition to illustrating herein or describing
Sequence other than appearance is implemented.
Referenced herein " multiple or several " refer to two or more."and/or" describes affiliated partner
Incidence relation, indicate may exist three kinds of relationships, for example, A and/or B, can indicate: individualism A exists simultaneously A and B,
These three situations of individualism B.Character "/" typicallys represent the relationship that forward-backward correlation object is a kind of "or".
Below in conjunction with Figure of description, preferred embodiment of the present invention will be described, it should be understood that described herein
Preferred embodiment only for the purpose of illustrating and explaining the present invention and is not intended to limit the present invention, and in the absence of conflict, this hair
The feature in embodiment and embodiment in bright can be combined with each other.
It as shown in Figure 1a, is application scenarios schematic diagram provided in an embodiment of the present invention.When it is implemented, in order to realize
Transferring accounts between different institutions, in the embodiment of the present invention, each mechanism processing system is unified to be connect with transfer platform.
Wherein, each mechanism processing system accesses transfer platform by access layer.Access way can be, but not limited to for
Lower access way: access via telephone line, public network access.Communication protocol between transfer platform and each mechanism processing system can with but not
It is limited to using TCP (Transmission Control Protocol, transmission control protocol) and HTTP (Hyper Text
Transport Protocol, hypertext transfer protocol) etc. communication protocols.Between the two interactive message format can with but be limited to
XML (EXtensible Markup Language, extensible markup language) format, JSON (JavaScript Object
Notation, JavaScript object representation) format, 8583 formats etc..
Operate application scenarios for Electronic Transfer, in Fig. 1 a by mechanism processing system divide into receipt and payment mechanism processing system and
Payment mechanism processing system, wherein receipt and payment mechanism processing system can open bank's processing system of payment account for gathering user
System, payment mechanism processing system can open bank's processing system of account for payment user.Gathering user and payment user exist
After opening account in corresponding bank processing system, user account information is obtained, which can be bank card
Card number.Payment user and receipt and payment user are interacted by respective mechanism processing system with other side.
Electronic Transfer method provided in an embodiment of the present invention can be implemented by transfer platform, as shown in Figure 1a, transfer platform
It may include following functions module: protocol resolution module, online process module, routing policy module, message package module and matching
Set management module.
Wherein, the major function of protocol resolution module is analysis request message, and to the legitimacy of field format in message
It is verified.In the embodiment of the present invention, relate generally to following two message: report is opened in Electronic Transfer request message and Electronic Transfer
Text.
The necessary field for including in Electronic Transfer request message includes user identifier and transfer amounts, wherein user identifier
Can be, but not limited to include receipt and payment user address name and communicating number；The necessary field for including in message is opened in Electronic Transfer
Including user identifier and authority identification, the user identifier can be, but not limited to include receipt and payment user address name and messenger
Code.
Online process module be mainly used for complete Electronic Transfer process flow, it is specific as follows: according to protocol analysis message
Obtained Electronic Transfer request message is parsed, therefrom obtains the user identifier of receipt and payment user, user identifier includes receipt and payment user
Address name and communicating number, online process module search in database whether be stored with the corresponding mechanism mark of the user identifier
Know, if so, then illustrating that receipt and payment user has opened Electronic Transfer function, call message package module, generate Electronic Transfer message,
And routing policy block is called, receipt and payment mechanism processing system is determined, to send the electricity generated to corresponding receipt and payment mechanism processing system
Son is transferred accounts message；If it is not, message package module is called to generate the response message and return that the other user's information is not present.
Online process module can be also used for processing Electronic Transfer and open process, specific as follows: according to protocol analysis message
It parses obtained Electronic Transfer and opens the user identifier carried in request message and authority identification, searching whether there is in database
Corresponding relationship between the two calls message package module to generate if it is present illustrating that user has opened Electronic Transfer function
The response message that Electronic Transfer has been opened returns to structure processing system；If it does not exist, then establishing user identifier and mechanism mark
Corresponding relationship between knowledge is simultaneously stored to database, is called message package module, is generated Electronic Transfer and open successful response report
Text simultaneously returns.
Routing policy module is mainly used for establishing communication link between transfer platform and each mechanism processing system.Root
The authority identification found according to online process module is determining with the communication link between corresponding structure processing system.
Message package module is mainly used for the response message and electronics for generating with interacting between each mechanism processing system
It transfers accounts message etc..
Configuration management module, in the embodiment of the present invention, in order to avoid user leaks to it in the account information of each mechanism
His mechanism, improves the safety of Electronic Transfer, for each mechanism of access transfer platform, distributes sole body mark for it,
For example, the length of the authority identification can be 19, such as 6250210000000000001, it should be understood that said mechanism identify
It is given for example only, when it is implemented, can be adjusted according to actual needs.In addition, the authority identification for the distribution of each mechanism can
To be stored in the database of transfer platform by configuration management module.
It transfers accounts the user of demand for existing across mechanism, can open to transfer platform application and transfer accounts function across mechanism.
As shown in Figure 1 b, the application scenarios schematic diagram of Electronic Transfer function is opened for user.User 10 passes through intelligent terminal 11
The applications client of middle installation submits Electronic Transfer to open request by mechanism processing system 12 to transfer platform 13, wherein answers
APP (application program) can be applied for each mechanism with client, for example, the Mobile banking APP of each banking institution, computer visitor
Family end etc., applications client can be the browser of webpage, or be installed on intelligent terminal, such as mobile phone, plate electricity
Application client in brain etc..Pass through net between intelligent terminal 11 and mechanism processing system 12 and transfer platform 13
Network is communicatively coupled, which can be local area network, Cellular Networks and wide area network etc..
It is introduced below in conjunction with the process of the split logical Electronic Transfer of Fig. 1 b, as shown in Fig. 2, may comprise steps of:
Request message is opened in S21, reception Electronic Transfer.
When it is implemented, user submits Electronic Transfer to open request by applications client to mechanism processing system, wherein
Carry user identifier.Wherein user identifier can be the communicating number and name of user itself.Mechanism processing system is receiving
After request message is opened in the Electronic Transfer submitted to user, user identifier therein is extracted, and send electronics to transfer platform
It transfers accounts and opens request message, wherein carrying the user identifier of authority identification and extraction.Wherein, authority identification can be mechanism
APP mark.
When it is implemented, message is opened in Electronic Transfer arrives first at protocol resolution module, protocol resolution module parsing is received
Whether the message arrived, verifying in the message received includes the necessary field such as user identifier and authority identification.If verification is logical
It crosses, then the message received is handed into online process module, Electronic Transfer is executed by online process module and opens process.
S22, it searches in the corresponding relationship of established user identifier and authority identification with the presence or absence of the second user mark
The corresponding relationship with the second authority identification is known, if so, step S23 is executed, if not, executing step S24.
In this step, online process module after receiving the Electronic Transfer that protocol resolution module is delivered and opening message,
Extract user identifier therein and authority identification, and store in the database, established user identifier and authority identification
With the presence or absence of corresponding relationship between the two in corresponding relationship.
S23, the response message that Electronic Transfer has been opened is returned to, process terminates.
When it is implemented, opening in request message and carrying if online process module finds Electronic Transfer in the database
User identifier and authority identification between corresponding relationship, then call message package module, generate that Electronic Transfer opened answers
Message is answered, and returns to mechanism processing system.
S24, corresponding relationship and the storage for establishing the second user mark and the second authority identification.
If online process module does not find Electronic Transfer in the database and opens the user's mark carried in request message
Know the corresponding relationship between authority identification, then establishes corresponding relationship between the two and store into database.Specific implementation
When, online process module may call upon message package module, generates Electronic Transfer and opens successful response message and return.
So far, user completes Electronic Transfer function and opens process, can if subsequent user needs to carry out Electronic Transfer
According to flow implementation shown in Fig. 3:
S31, Electronic Transfer request message is received.
When it is implemented, payment user submits Electronic Transfer request to payment mechanism processing system by applications client,
Wherein carry the user identifier of receipt and payment user.Wherein, the user identifier of receipt and payment user can for the user communicating number and
Name, wherein the communicating number of receipt and payment user can be phone number, or instant communication number etc., if it is logical
Phone number in news record, then corresponding cell-phone number can be selected by applications client calling mobile phone address list by paying user
Code.
Response understands, when it is implemented, should also include transfer amounts in Electronic Transfer request message.
Payment mechanism processing system is extracted therein after receiving the Electronic Transfer request message that payment user submits
User identifier and transfer amounts, and Electronic Transfer request message is sent to transfer platform, wherein carrying authority identification and extraction
User identifier, wherein authority identification can be the corresponding authority identification of payment mechanism.
In transfer platform side, Electronic Transfer request message arrives first at protocol resolution module, protocol resolution module parsing
Whether the message received, verifying in the message received includes the necessary field such as user identifier and transfer amounts.If school
It tests and passes through, then the message received is handed into online process module, Electronic Transfer process is executed by online process module.
With the presence or absence of first user in the corresponding relationship of user identifier and authority identification that S32, lookup pre-establish
Corresponding first authority identification is identified, if so, S33 is thened follow the steps, if not, executing step S34.
When it is implemented, online process module receive Electronic Transfer request message that protocol resolution module is delivered it
Afterwards, user identifier therein is extracted, and corresponding relationship store in the database, established user identifier and authority identification
In whether there is the corresponding authority identification of the user identifier.If so, illustrate that receipt and payment user has opened Electronic Transfer function, if
It is no, then illustrate that receipt and payment user does not open Electronic Transfer function.
The first authority identification that S33, basis are found sends Electronic Transfer message to mechanism processing system, and process terminates.
In this step, if finding the corresponding authority identification of the user identifier carried in Electronic Transfer request message,
It calls message package module to generate Electronic Transfer message, wherein carrying user identifier and transfer amounts, and calls routing policy
Module determines the corresponding communication link of receipt and payment mechanism processing system according to the authority identification found, passes through the communication determined
The corresponding receipt and payment mechanism processing system of chain road direction sends the Electronic Transfer message generated, and receipt and payment mechanism processing system is receiving electricity
Son is transferred accounts after message, is searched its corresponding user account information according to user identifier therein and is completed transfer operation.
S34, the response message that the other user's information is not present is returned.
When it is implemented, if not finding the corresponding mechanism mark of user identifier carried in Electronic Transfer request message
Know, then call message package module, generates the response message that the other user's information is not present, and return to payment mechanism processing system
The response message brought back to life.
It should be noted that in the embodiment of the present invention, payment user and payment user and payment mechanism processing system and
Receipt and payment mechanism processing system be in contrast, during Electronic Transfer, pay the bill user and its affiliated mechanism processing system
It is referred to as payment user and payment user and payment mechanism processing system, collect money user and its affiliated mechanism processing system
It is referred to as receipt and payment user and receipt and payment user and payment mechanism processing system.
Embodiment in order to better understand the present invention, below in conjunction with payment mechanism processing system, receipt and payment mechanism processing system
And the interaction flow between transfer platform, for carrying out Electronic Transfer based on the phone number in address list, to the present invention
Process is opened in the Electronic Transfer provided in embodiment and the specific implementation process of Electronic Transfer process is illustrated.
Wherein, Electronic Transfer is opened process and is described so that receipt and payment user opens the process of Electronic Transfer function as an example, separately
Outside, in this example by taking receipt and payment user opens Electronic Transfer function for the first time as an example, as shown in figure 4, may comprise steps of:
S41, receipt and payment mechanism processing system receive the Electronic Transfer that user submits and open request.
When it is implemented, user can submit electronics to turn by receipt and payment mechanism applications client to receipt and payment mechanism processing system
Account opens request, wherein carrying user identifier.The user identifier includes address name and the phone number of user.
S42, receipt and payment mechanism processing system send Electronic Transfer to transfer platform and open request message.
Wherein, receipt and payment mechanism processing system is opened to transfer platform transmission Electronic Transfer and carries user's mark in request message
Know and authority identification, authority identification here are the authority identification that transfer platform is the distribution of receipt and payment mechanism.
S43, transfer platform are established Electronic Transfer and are opened between the user identifier carried in request message and authority identification
Corresponding relationship.
In this example, it is illustrated so that receipt and payment user submits Electronic Transfer to open request for the first time as an example, so far, completes receipt and payment
User opens the process of Electronic Transfer function.
S44, payment mechanism processing system receive the Electronic Transfer request that payment user submits.
In this step, payment user selects the hand of receipt and payment user by payment mechanism applications client calling mobile phone address list
Machine number and after inputting the address name and transfer amounts of receipt and payment user, submits Electronic Transfer to ask to payment mechanism processing system
It asks.
S45, payment mechanism processing system send Electronic Transfer request message to transfer platform.
When it is implemented, payment mechanism processing system extracts the phone number and receipts of the receipt and payment user in Electronic Transfer request
Address name and transfer amounts are paid, Electronic Transfer request message is generated and are sent to transfer platform.
S46, transfer platform search corresponding receipt and payment authority identification according to phone number therein and address name.
When it is implemented, transfer platform after receiving Electronic Transfer request message, requests to report to Electronic Transfer first
Necessary field in text is verified, and after verification passes through, is searched and is received according to the phone number and address name wherein carried
Pay authority identification.
S47, transfer platform send Electronic Transfer message to receipt and payment mechanism according to the receipt and payment authority identification found.
In this step, after transfer platform finds receipt and payment authority identification, Electronic Transfer message is generated, wherein carrying receipts
Subscriber phone number and name and the amount of money of fighting in different parts are paid, and according to the receipt and payment authority identification found, to corresponding receipt and payment mechanism
Processing system sends the Electronic Transfer message generated.
S48, receipt and payment mechanism processing system are according to the receipt and payment subscriber phone number and name look-up pair in Electronic Transfer message
The account information and completion answered are transferred accounts.
So far, Electronic Transfer process is completed.
It is corresponding with authority identification by pre-establishing user identifier in Electronic Transfer method provided in an embodiment of the present invention
Relationship only need to provide user identifier, search its corresponding authority identification according to user identifier when carrying out Electronic Transfer operation,
And Electronic Transfer request is sent to corresponding mechanism processing system according to the authority identification found, it is looked by it according to user identifier
It looks for corresponding user account information and completes Electronic Transfer operation, in the above process, payment mechanism and transfer platform are not obtained
User account information improves the safety of Electronic Transfer to reduce the risk that user account information is leaked.Moreover,
In above-mentioned process, in the case where there is no user account information, it still is able to complete Electronic Transfer operation, to improve
The success rate of Electronic Transfer.
Based on the same inventive concept, a kind of Electronic Transfer device is additionally provided in the embodiment of the present invention, due to above-mentioned apparatus
The principle solved the problems, such as is similar to Electronic Transfer method, therefore the implementation of above-mentioned apparatus may refer to the implementation of method, repetition
Place repeats no more.
As shown in figure 5, it is the implementation process diagram of Electronic Transfer method provided in an embodiment of the present invention, can wrap
It includes:
First receiving unit 51 carries in the Electronic Transfer request message for receiving Electronic Transfer request message
First user identifier；
Whether the first searching unit 52 deposits in the corresponding relationship for searching the user identifier and authority identification that pre-establish
In corresponding first authority identification of first user identifier；
Response unit 53, for finding corresponding first mechanism of first user identifier in first searching unit
When mark, according to the first authority identification found, Electronic Transfer message, the Electronic Transfer report are sent to mechanism processing system
First user identifier is carried in text, and corresponding use is searched according to first user identifier by the mechanism processing system
Family account information simultaneously completes Electronic Transfer operation.
Optionally, Electronic Transfer device provided in an embodiment of the present invention, further includes:
Second receiving unit opens request message for receiving Electronic Transfer, and the Electronic Transfer is opened in request message
Carry second user mark and the second authority identification；
Second searching unit whether there is institute in the corresponding relationship for searching established user identifier and authority identification
State the corresponding relationship of second user mark and the second authority identification；
Unit is established, if not finding the second user mark and the second mechanism mark for second searching unit
The corresponding relationship of knowledge then establishes corresponding relationship and the storage of the second user mark and the second authority identification.
Optionally, the response unit, if being also used to second searching unit finds the second user mark
With the corresponding relationship of the second authority identification, then the response message that Electronic Transfer has been opened is returned.
Optionally, the response unit, if being also used to first searching unit does not find the first user mark
Know corresponding first authority identification, then returns to the response message that the other user's information is not present.
Optionally, first user identifier or second user mark include communicating number and/or address name.
For convenience of description, above each section is divided by function describes respectively for each module (or unit).Certainly, exist
Implement to realize the function of each module (or unit) in same or multiple softwares or hardware when the present invention.
After describing the Electronic Transfer method and apparatus of exemplary embodiment of the invention, next, introducing basis
The computing device of another exemplary embodiment of the invention.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, it may be assumed that complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
In some possible embodiments, computing device according to the present invention can include at least at least one processing
Device and at least one processor.Wherein, the memory is stored with program code, when said program code is by the processing
When device executes, so that the processor executes the electricity of the illustrative embodiments various according to the present invention of this specification foregoing description
Step in sub- transfer account method.For example, the processor can execute step S31 as shown in Figure 3, reception Electronic Transfer is asked
It asks message and step S32, search in the corresponding relationship of the user identifier and authority identification that pre-establish with the presence or absence of described first
Corresponding first authority identification of user identifier, if so, S33 is thened follow the steps, if not, executing step S34；And step
The first authority identification that S33, basis are found sends Electronic Transfer message to mechanism processing system；Step S34, other side is returned
The response message that user information is not present.
The computing device 60 of this embodiment according to the present invention is described referring to Fig. 6.The calculating dress that Fig. 6 is shown
Setting 60 is only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in fig. 6, computing device 60 is showed in the form of universal computing device.The component of computing device 60 may include
But it is not limited to: at least one above-mentioned processor 61, above-mentioned at least one processor 62, (including the storage of the different system components of connection
Device 62 and processor 61) bus 63.
Bus 63 indicates one of a few class bus structures or a variety of, including memory bus or Memory Controller,
Peripheral bus, processor or the local bus using any bus structures in a variety of bus structures.
Memory 62 may include the readable medium of form of volatile memory, such as random access memory (RAM) 621
And/or cache memory 622, it can further include read-only memory (ROM) 623.
Memory 62 can also include program/utility 625 with one group of (at least one) program module 624, this
The program module 624 of sample includes but is not limited to: operating system, one or more application program, other program modules and journey
It may include the realization of network environment in ordinal number evidence, each of these examples or certain combination.
Computing device 60 can also be communicated with one or more external equipments 64 (such as keyboard, sensing equipment etc.), may be used also
Enable a user to the equipment interacted with computing device 60 communication with one or more, and/or with enable the computing device 60
Any equipment (such as router, modem etc.) communicated with one or more of the other calculating equipment communicates.This
Kind communication can be carried out by input/output (I/O) interface 65.Also, computing device 60 can also pass through network adapter 66
With one or more network (such as local area network (LAN), wide area network (WAN) and/or public network, such as internet) communication.
As shown, network adapter 66 is communicated by bus 63 with other modules for computing device 60.It will be appreciated that though figure
In be not shown, can in conjunction with computing device 60 use other hardware and/or software module, including but not limited to: microcode, equipment
Driver, redundant processor, external disk drive array, RAID system, tape drive and data backup storage system etc..
In some possible embodiments, the various aspects of Electronic Transfer method provided by the invention are also implemented as
A kind of form of program product comprising program code, when described program product is run on a computing device, described program
The illustrative embodiments various according to the present invention that code is used to that the computer equipment to be made to execute this specification foregoing description
Step in Electronic Transfer method, for example, the computer equipment can execute step S31 as shown in Figure 3, receive electronics
Transfer request message and step S32, it searches in the corresponding relationship of the user identifier and authority identification that pre-establish with the presence or absence of institute
Corresponding first authority identification of the first user identifier is stated, if so, S33 is thened follow the steps, if not, executing step S34；And
Step S33, according to the first authority identification found, Electronic Transfer message is sent to mechanism processing system；Step S34, it returns
The response message that the other user's information is not present.
Described program product can be using any combination of one or more readable mediums.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example may be-but not limited to-electricity, magnetic, optical, electromagnetic, red
The system of outside line or semiconductor, device or device, or any above combination.The more specific example of readable storage medium storing program for executing
(non exhaustive list) includes: the electrical connection with one or more conducting wires, portable disc, hard disk, random access memory
(RAM), read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc
Read memory (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The program product for Electronic Transfer of embodiments of the present invention can use the read-only storage of portable compact disc
Device (CD-ROM) and including program code, and can run on the computing device.However, program product of the invention is not limited to
This, in this document, readable storage medium storing program for executing can be any tangible medium for including or store program, which can be commanded
Execution system, device or device use or in connection.
Readable signal medium may include in a base band or as the data-signal that carrier wave a part is propagated, wherein carrying
Readable program code.The data-signal of this propagation can take various forms, including --- but being not limited to --- electromagnetism letter
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Program in connection.
The program code for including on readable medium can transmit with any suitable medium, including --- but being not limited to ---
Wirelessly, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind --- including local area network (LAN) or extensively
Domain net (WAN)-be connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
It should be noted that although being referred to several unit or sub-units of device in the above detailed description, this stroke
It point is only exemplary not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
The feature and function of unit can embody in a unit.Conversely, the feature and function of an above-described unit can
It is to be embodied by multiple units with further division.
In addition, although describing the operation of the method for the present invention in the accompanying drawings with particular order, this do not require that or
Hint must execute these operations in this particular order, or have to carry out shown in whole operation be just able to achieve it is desired
As a result.Additionally or alternatively, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/or by one
Step is decomposed into execution of multiple steps.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications can be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
Claims (12)
1. a kind of Electronic Transfer method characterized by comprising
Electronic Transfer request message is received, carries the first user identifier in the Electronic Transfer request message；
It is corresponding with whether there is first user identifier in the corresponding relationship of authority identification to search the user identifier pre-established
The first authority identification；
If it is, sending Electronic Transfer message, the electronics to mechanism processing system according to the first authority identification found
It transfers accounts and carries first user identifier in message, searched pair by the mechanism processing system according to first user identifier
The user account information answered simultaneously completes Electronic Transfer operation.
2. the method as described in claim 1, which is characterized in that the user identifier and the corresponding relationship of receipt and payment authority identification are pressed
It is established according to following below scheme:
It receives Electronic Transfer and opens request message, the Electronic Transfer, which is opened, carries second user mark and the in request message
Two authority identifications；
It searches in the corresponding relationship of established user identifier and authority identification with the presence or absence of second user mark and second
The corresponding relationship of authority identification；
If it does not exist, then establishing corresponding relationship and the storage of the second user mark and the second authority identification.
3. method according to claim 2, which is characterized in that further include:
If there is the corresponding relationship of second user mark and the second authority identification, then return to that Electronic Transfer opened answers
Answer message.
4. the method as described in claim 1, which is characterized in that further include:
If the user identifier pre-established is corresponding with first user identifier is not present in the corresponding relationship of authority identification
First authority identification then returns to the response message that the other user's information is not present.
5. the method as described in Claims 1 to 4 any claim, which is characterized in that first user identifier or institute
Stating second user mark includes communicating number and/or address name.
6. a kind of Electronic Transfer device characterized by comprising
First receiving unit carries the first use in the Electronic Transfer request message for receiving Electronic Transfer request message
Family mark；
First searching unit, with the presence or absence of described in the corresponding relationship for searching the user identifier and authority identification that pre-establish
Corresponding first authority identification of first user identifier；
Response unit, for finding corresponding first authority identification of first user identifier in first searching unit
When, according to the first authority identification found, Electronic Transfer message is sent to mechanism processing system, in the Electronic Transfer message
First user identifier is carried, corresponding user's account is searched according to first user identifier by the mechanism processing system
Family information simultaneously completes Electronic Transfer operation.
7. device as claimed in claim 6, which is characterized in that further include:
Second receiving unit opens request message for receiving Electronic Transfer, and the Electronic Transfer, which is opened in request message, to be carried
There are second user mark and the second authority identification；
Second searching unit, with the presence or absence of described the in the corresponding relationship for searching established user identifier and authority identification
The corresponding relationship of two user identifiers and the second authority identification；
Unit is established, if not finding the second user mark and the second authority identification for second searching unit
Corresponding relationship then establishes corresponding relationship and the storage of the second user mark and the second authority identification.
8. device as claimed in claim 7, which is characterized in that
The response unit, if being also used to second searching unit finds the second user mark and the second mechanism mark
The corresponding relationship of knowledge then returns to the response message that Electronic Transfer has been opened.
9. device as claimed in claim 6, which is characterized in that
The response unit, if being also used to first searching unit, not find first user identifier corresponding
First authority identification then returns to the response message that the other user's information is not present.
10. the device as described in claim 6~9 any claim, which is characterized in that first user identifier or institute
Stating second user mark includes communicating number and/or address name.
11. a kind of computing device, which is characterized in that including at least one processor and at least one processor, wherein institute
It states memory and is stored with computer program, when described program is executed by the processor, so that the processor perform claim
It is required that the step of 1~5 any claim the method.
12. a kind of computer-readable medium, which is characterized in that it is stored with the computer program that can be executed by computing device, when
When described program is run on the computing device, so that the computing device perform claim requires the step of 1~5 any the method
Suddenly.
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| CN201811628977.2A CN109697607B (en) | 2018-12-28 | 2018-12-28 | Electronic transfer method, device and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628977.2A CN109697607B (en) | 2018-12-28 | 2018-12-28 | Electronic transfer method, device and storage medium |
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| CN109697607B (en) | 2024-02-27 |
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