CN105787714A - A method and system for transferring accounts between payment applications - Google Patents
A method and system for transferring accounts between payment applications Download PDFInfo
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- CN105787714A CN105787714A CN201610159294.1A CN201610159294A CN105787714A CN 105787714 A CN105787714 A CN 105787714A CN 201610159294 A CN201610159294 A CN 201610159294A CN 105787714 A CN105787714 A CN 105787714A
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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
- G06Q20/08—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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
Abstract
The invention discloses a method and system for transferring accounts between payment applications. The method comprises the following steps: determining a first payment account serving as an output account, wherein the first payment account is an account of a first payment application; determining a second payment account serving as an input account, wherein the second payment account is an account of a second payment application, the second payment application is different with the first payment application, and the first payment account and the second payment account are non-bank accounts; determining payment amount, wherein the payment amount is used for indicating the amount of money transferred from the first payment account to the second payment account; and transferring corresponding amount of money from the first payment account to the second payment account according to the payment amount.
Description
Technical field
The present invention relates to Third-party payment technology, particularly relate to a kind of transfer account method paid between application and system.
Background technology
Can not mutually transfer accounts between Third-party payment (such as wechat payment, Alipay etc.) at present, such as user can not from the wechat payment account of oneself can not directly transfer accounts to oneself or other people Alipay account, if user wants to realize transferring accounts between wechat payment account and Alipay account, it is then first money to be mentioned bank card, propose to forward Alipay to from bank card again, this process can not turn in real time, need to wait the most several hours, a couple of days at most, and complex operation.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of transfer account method paid between application and system for solving problems of the prior art, it is possible to is greatly shortened transferring accounts the time between two payment application, thus promotes Consumer's Experience.
The technical scheme of the embodiment of the present invention is achieved in that
First aspect, the embodiment of the present invention provides a kind of transfer account method paid between application, and described method includes:
Determine the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；
Determining as the second payment accounts importing account, described second payment accounts is the account of the second payment application, and it is different that described second payment application pays application from described first, and described first payment accounts and described second payment accounts are non-banking account；
Determining payment, described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；
The amount of the corresponding amount of money is proceeded to described second payment accounts from described first payment accounts according to described payment.
First aspect, the embodiment of the present invention provides a kind of system transferred accounts between application that pays, and described system includes that electronic equipment, described electronic equipment include input equipment and processor, wherein:
Described input equipment, for obtaining the operation of user；
Described processor, for determining, according to the operation of user, the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；Operation according to user determines as the second payment accounts importing account, described second payment accounts is the account of the second payment application, described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；Operation according to user determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；The amount of the corresponding amount of money is proceeded to described second payment accounts from described first payment accounts according to described payment.
A kind of transfer account method paid between application of embodiment of the present invention offer and system, wherein it is determined that as the first payment accounts of remittance abroad account, described first payment accounts is the account of the first payment application；Determining as the second payment accounts importing account, described second payment accounts is the account of the second payment application, and it is different that described second payment application pays application from described first, and described first payment accounts and described second payment accounts are non-banking account；Determining payment, described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；The amount of the corresponding amount of money is proceeded to described second payment accounts from described first payment accounts according to described payment；So, it is possible to be greatly shortened transferring accounts the time between two payment application, thus promote Consumer's Experience.
Accompanying drawing explanation
Fig. 1-1 is the composition structural representation paying the fund transfer system between application in the embodiment of the present invention；
Fig. 1-2 be the embodiment of the present invention one pay application between transfer account method realize schematic flow sheet；
Fig. 2 be the embodiment of the present invention three pay application between transfer account method realize schematic flow sheet.
Detailed description of the invention
The technical solution of the present invention is further elaborated with specific embodiment below in conjunction with the accompanying drawings.
Embodiment one
In order to solve aforesaid technical problem, the embodiment of the present invention provides a kind of transfer account method paid between application, and the method is applied to fund transfer system, and this fund transfer system includes electronic equipment and three servers, and described system also includes the server of Liang Ge bank.As Figure 1-1, this in embodiments of the present invention fund transfer system include the electronic equipment 1 of user, this user has three accounts paying application, these three pays application the respectively first payment application the 11, second payment application 21 and the 3rd and pays application 31, in order to describe simplicity and readily appreciate, the most described electronic equipment 1 is provided with above-mentioned three and pays application.Wherein first server 12 is and the first payment application 11 corresponding servers on electronic equipment, second server 22 is and the first payment application 21 corresponding servers on electronic equipment, 3rd server 32 is and the first payment application 31 corresponding servers on electronic equipment, server 13 is and the server corresponding to the bank card of the first payment application 11 binding on electronic equipment, and server 23 is and the server corresponding to the bank card of the first payment application 21 binding on electronic equipment.
Those skilled in the art both knows about, for paying application, typically all bind a bank card, this bank card can be the bank card (there is the bank card of card) of entity can also be virtual bank card (not having entity card to only have the account information of bank card), this bank card can be deposit card, credit card etc..Such as, first pays application binding Bank One Corp. card, second pays application binding secondary bank card, and the 3rd pays application binding the 3rd bank card, for a person skilled in the art, one pays application and can bind a bank card, can bind multiple bank card simultaneously, and, same bank card can be bound between multiple payment application and can also bind different bank cards.Binding in the embodiment of the present invention has the ordinary skill implication of this area, will pay and set up incidence relation between the payment accounts of application and the bank information of bank card, and this incidence relation is identity information based on a kind of user (such as identity card).
It will be understood by those of skill in the art that in other embodiments of the invention, the 3rd payment application can only be installed by electronic equipment.
In embodiments of the present invention, owing to relating to transfer accounts, the technical scheme of embodiment of the present invention offer is for following a kind of scene, it is simply that user has a kind of demand to be to need the second payment application of transferring accounts from the first account paying application why？This payment demand may be such that assuming that user wants to buy certain commodity, but this commodity value supports the second payment application, but unfortunately be, account in second payment application do not has money, but rich in the first payment application, then user wants to apply the second payment of transferring accounts the account of (such as wechat payment) to apply (such as Alipay) from the first payment.
Mesh the first two pays and (generally in the art wechat payment, Alipay etc. is paid application and be referred to as Third-party payment) between application and can not mutually transfer accounts, such as user can not from the wechat payment account of oneself can not directly transfer accounts to oneself or other people Alipay account, if user wants to realize transferring accounts between wechat payment account and Alipay account, it is then first money to be mentioned bank card, propose to forward Alipay to from bank card again, this process can not turn in real time, need to wait the most several hours, a couple of days at most, and complex operation.
In order to solve above-mentioned technical problem, the embodiment of the present invention provide a kind of transfer account method paid between application, Fig. 1-2 be the embodiment of the present invention one pay application between transfer account method realize schematic flow sheet, as shown in Figure 1-2, described method includes:
Step S101, determines the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；
Step S102, determine as the second payment accounts importing account, described second payment accounts is the account of the second payment application, and described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；
Step S103, determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；
Step S104, proceeds to the amount of the corresponding amount of money to described second payment accounts according to described payment from described first payment accounts.
Here, described step S101 to step S103, during implementing, the first payment accounts, the second payment accounts and transfer amounts can be determined according to the input operation of user.Such as, described electronic equipment has input equipment, illustrates as a example by the mobile phone with touch-screen, and touch-screen obtains first operation of user, and the processor of electronic equipment determines the first payment accounts according to described first operation；Touch-screen obtains second operation of user, and the processor of electronic equipment determines the second payment accounts according to described second operation, and touch-screen obtains the 3rd operation of user, and the processor of electronic equipment determines transfer amounts according to described 3rd operation.During implementing, described first operation, the second operation and described 3rd operation can be operations, it is also possible to two operations or three operations.
The technical scheme that the embodiment of the present invention provides can use application program (APP) to realize during implementing, and this application program is also understood by the person skilled in the art as paying application (the payment application 31 seeing in Fig. 1-1).A distinguishing feature in the embodiment of the present invention is, involved two object of transferring accounts is all to pay the account of application rather than common bank card account number.In other words, the technical scheme that the embodiment of the present invention provides can solve the problem that two problems of transferring accounts paid between application, thus promotes Consumer's Experience.
Embodiment two
Based on aforesaid embodiment, a kind of transfer account method paid between application that the embodiment of the present invention provides, described method includes:
Step S101, determines the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；
Step S102, determine as the second payment accounts importing account, described second payment accounts is the account of the second payment application, and described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；
Step S103, determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；
Step S201, electronic equipment obtains the 3rd payment accounts；
Here, described 3rd payment accounts is the 3rd account paying application.It should be noted that the first payment accounts, the second payment accounts and the 3rd payment accounts are the first payment application, the second payment application and the user account of the 3rd payment application respectively.
Step S202, described electronic equipment generates the first payment request according to described first payment accounts, the 3rd payment accounts and payment, and described first pays request for proceeding to the 3rd corresponding amount of money of payment accounts according to described payment from described first payment accounts；
Step S203, described electronic equipment pays request by described first and is sent to first server by the 3rd server, described third-party server is the server of the non-described remittance account corresponding to described 3rd payment accounts, and described first server is the described first server paying application；
Step S204, the first payment parameter that described electronic equipment is sent by the described 3rd server described first server of reception, described first payment parameter is used for calling described first payment application and completes described first payment request；
Step S204, described electronic equipment utilizes described first to pay parameter and completes described first payment request.
In the embodiment of the present invention, step S204, described electronic equipment utilizes described first to pay parameter and completes described first payment request, including:
Step S241, described electronic equipment utilizes described first to pay the first payment application described in state modulator and sends the first payment request to described first server, so that described first server completes described first pays request, described first pays request for transferring accounts to described 3rd payment accounts from described first payment accounts according to described payment；
Here, described first server is transferred accounts to described 3rd payment accounts from described first payment accounts according to described payment.
Step S242, described 3rd server receives the first payment response that described first server sends；
Step S243, if described first payment response shows to be successfully completed described first payment request, described 3rd server is transferred accounts to described second payment accounts from described 3rd payment accounts according to described payment.
Step S244, if described first payment response shows to have failed during described first payment request, described 3rd server returns the first payment response to described electronic equipment.
Here, step S243, described 3rd server is transferred accounts to described second payment accounts from described 3rd payment accounts according to described payment, including:
Step S2431, described 3rd server sends to described second server and transfers accounts application, described in transfer accounts apply in carry the 3rd payment accounts, the second payment accounts and described payment；
Step S2432, described 3rd server receives the second payment parameter that described second server sends, and described second pays the bank account information that parameter at least includes binding mutually with described second payment accounts, and described bank account information at least includes Bank Account Number；
Step S2433, described 3rd server pays parameter according to described payment and described second and transfers accounts to the Bank Account Number of described second payment accounts binding；
Step S2434, described 3rd server receives the transfer result that described bank server sends, and described transfer result is used for indicating whether to transfer accounts successfully；
Step S2435, described transfer result is sent to described electronic equipment by described 3rd server.
Embodiment three
Based on embodiment one, the embodiment of the present invention provides a kind of transfer account method paid between application, and the method is applied to fund transfer system, and this fund transfer system includes electronic equipment and three servers, and described system also includes the server of Liang Ge bank.As Figure 1-1, this in embodiments of the present invention fund transfer system include the electronic equipment 1 of user, this user has three accounts paying application, these three pays application the respectively first payment application the 11, second payment application 21 and the 3rd and pays application 31, in order to describe simplicity and readily appreciate, the most described electronic equipment 1 is provided with above-mentioned three and pays application.Wherein first server 12 is and the first payment application 11 corresponding servers on electronic equipment, second server 22 is and the first payment application 21 corresponding servers on electronic equipment, 3rd server 32 is and the first payment application 31 corresponding servers on electronic equipment, server 13 is and the server corresponding to the bank card of the first payment application 11 binding on electronic equipment, and server 23 is and the server corresponding to the bank card of the first payment application 21 binding on electronic equipment.
The method includes:
Step S301, the 3rd payment application on electronic equipment produces order request；
Here, described step S301 includes: the 3rd pays application determines, according to the operation of user's input, the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；Operation according to user's input determines as the second payment accounts importing account, described second payment accounts is the account of the second payment application, described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；Operation according to user's input determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；Then, after described 3rd payment application gets the first payment accounts, the second payment accounts and transfer amounts, judge whether described first payment accounts, the second payment accounts are not non-banking account, when being, described 3rd pays application obtains described 3rd payment accounts, described 3rd pays application generates order request (i.e. first pays request) according to described first payment accounts, the 3rd payment accounts and payment, and described order request is for proceeding to the 3rd corresponding amount of money of payment accounts according to described payment from described first payment accounts.Here, described 3rd payment accounts is the described 3rd user account paying application；In general, determine whether Bank Account Number is easier for the first payment accounts, the second payment accounts and the 3rd payment accounts, because Bank Account Number typically has specific form, can determine according to the figure place of account, such as certain bank, the bank card of this issued by banks is usually 18 numerals.And the user paying application typically uses cell-phone number, QQ number, Email Accounts etc., obviously the cell-phone number of Bank Account Number and user, QQ number etc. are different, so, the 3rd pays application has only to determine the form of the first payment accounts and the second payment accounts just to can determine that on earth to be Bank Account Number.
Step S302, the order of generation is sent to first server by the 3rd server；
Here, the 3rd server receives the described 3rd and pays the described order request that application sends, and described 3rd server generates order according to described order request, then described order is sent to described first server.
Here, it should be noted that in other embodiment of the present invention, described 3rd server can also direct order request described in transparent transmission.
Step S303, first server thinks after receiving described order that the first payment parameter that described 3rd server sends, described first payment parameter are used for calling described first payment application and complete described first payment request；
Here, described first pays parameter at least includes the first payment accounts, the 3rd payment accounts, described payment and trigger command, and described trigger command is used for triggering the described 3rd and pays the first payment application described in application call.
Step S304, described 3rd server pays parameter by described first and is sent to described electronic equipment；
Step S305, the 3rd of described electronic equipment pays the first payment application described in application call, and the most described first pays unlatching inside payment flow between application and described first server, thus completes to pay application to the described 3rd and transfer accounts.
Here, open between described first payment application and described first server between internal payment flow and prior art can be used to realize, as a kind of preferred embodiment, in embodiments of the present invention the 3rd payment application is paid as businessman.
Step S307, first server sends the first payment response to described 3rd server；
Here, described first payment response indicates whether that being successfully completed described first pays request.
Here, if described first payment response shows to have failed during described first payment request, described 3rd server returns the first payment response to described electronic equipment.
Step S308, if described first payment response shows to be successfully completed described first payment request, described 3rd server sends, to described second server, application of transferring accounts；
Here, transfer accounts described in and carry the 3rd payment accounts, the second payment accounts and described payment in applying for；
Step S309, described second server sends the second payment parameter to described 3rd server；
Here, described second pays the bank account information that parameter at least includes binding mutually with described second payment accounts, and described bank account information at least includes Bank Account Number；
Step S310, described 3rd server pays parameter according to described payment and described second and transfers accounts to the Bank Account Number of described second payment accounts binding；
Step S311, the bank of described second payment accounts binding notifies that described second server sends transfer result；
Step S312, described second server sends transfer result to the bank of described second payment accounts binding；
Step S313, described 3rd server receives the transfer result that described bank server sends, and described transfer result is used for indicating whether to transfer accounts successfully；
Step S314, described transfer result is sent to described electronic equipment by described 3rd server.
Embodiment four
Based on aforesaid embodiment, the embodiment of the present invention provides a kind of system transferred accounts between application that pays, and described system includes that electronic equipment, described electronic equipment include input equipment and processor, wherein:
Described input equipment, for obtaining the operation of user；
Described processor, for determining, according to the operation of user, the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；Operation according to user determines as the second payment accounts importing account, described second payment accounts is the account of the second payment application, described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；Operation according to user determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；The amount of the corresponding amount of money is proceeded to described second payment accounts from described first payment accounts according to described payment.
Embodiment five
Based on aforesaid embodiment, the embodiment of the present invention provides a kind of system transferred accounts between application that pays, and described system includes that electronic equipment, described electronic equipment include input equipment and processor, wherein:
Described input equipment, for obtaining the operation of user；
Described processor, for determining, according to the operation of user, the account that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application；Operation according to user determines as the second payment accounts importing account, described second payment accounts is the account of the second payment application, described second pays application applies different from described first payment, and described first payment accounts and described second payment accounts are non-banking account；Operation according to user determines payment, and described payment is for showing to proceed to the amount of money of described second payment accounts from described first payment accounts；The amount of the corresponding amount of money is proceeded to described second payment accounts from described first payment accounts according to described payment.
Described processor is additionally operable to obtain the 3rd payment accounts；Generating the first payment request according to described first payment accounts, the 3rd payment accounts and payment, described first pays request for proceeding to the 3rd corresponding amount of money of payment accounts according to described payment from described first payment accounts；Paying request by described first and be sent to first server by the 3rd server, described third-party server is the server of the non-described remittance account corresponding to described 3rd payment accounts, and described first server is the described first server paying application；The the first payment parameter sent by the described 3rd server described first server of reception, described first payment parameter is used for calling described first payment application and completes described first payment request；Utilize described first to pay parameter and complete described first payment request.
In other embodiments of the invention, described system also includes the 3rd server, accordingly, described electronic equipment, the first payment request is sent to described first server for utilizing described first to pay the first payment application described in state modulator, so that described first server completes described first pays request, described first pays request for transferring accounts to described 3rd payment accounts from described first payment accounts according to described payment；
Described 3rd server, for receiving the first payment response that described first server sends；If described first payment response shows to be successfully completed described first payment request, transfer accounts to described second payment accounts from described 3rd payment accounts according to described payment.
In other embodiments of the invention, described 3rd server, showing to have failed described first when paying request if being additionally operable to described first payment response, returning the first payment response to described electronic equipment.
In other embodiments of the invention, described 3rd server, transfer accounts application for sending to described second server, described in transfer accounts apply in carry the 3rd payment accounts, the second payment accounts and described payment；Receiving the second payment parameter that described second server sends, described second pays the bank account information that parameter at least includes binding mutually with described second payment accounts, and described bank account information at least includes Bank Account Number；Pay parameter according to described payment and described second to transfer accounts to the Bank Account Number of described second payment accounts binding；Receiving the transfer result that described bank server sends, described transfer result is used for indicating whether to transfer accounts successfully；Described transfer result is sent to described electronic equipment.
It need to be noted that: the description of apparatus above embodiment, the description with said method embodiment is similar, has the beneficial effect that same embodiment of the method is similar, does not repeats.For the ins and outs not disclosed in apparatus of the present invention embodiment, refer to the description of the inventive method embodiment and understand, for saving length, therefore repeat no more.
Should be understood that during specification is in the whole text that " embodiment " or " embodiment " mentioned means that special characteristic, structure or the characteristic relevant with embodiment is included at least one embodiment of the present invention.Therefore, " in one embodiment " or " in one embodiment " that occur everywhere in entire disclosure not necessarily refers to identical embodiment.Additionally, these specific features, structure or characteristic can combine in one or more embodiments in any suitable manner.It should be understood that, in various embodiments of the present invention, the size of the sequence number of above-mentioned each process is not meant to the priority of execution sequence, and the execution sequence of each process should determine with its function and internal logic, and the implementation process of the embodiment of the present invention should not constituted any restriction.The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.
It should be noted that, in this article, term " includes ", " comprising " or its any other variant are intended to comprising of nonexcludability, so that include that the process of a series of key element, method, article or device not only include those key elements, but also include other key elements being not expressly set out, or also include the key element intrinsic for this process, method, article or device.In the case of there is no more restriction, statement " including ... " key element limited, it is not excluded that there is also other identical element in including the process of this key element, method, article or device.
In several embodiments provided herein, it should be understood that disclosed equipment and method, can realize by another way.Apparatus embodiments described above is only schematically, such as, the division of described unit, it is only a kind of logic function to divide, actual can have other dividing mode, such as when realizing: multiple unit or assembly can be in conjunction with, or are desirably integrated into another system, or some features can ignore, or do not perform.It addition, the coupling each other of shown or discussed each part or direct-coupling or communication connection can be the INDIRECT COUPLING by some interfaces, equipment or unit or communication connection, can be being electrical, machinery or other form.
The above-mentioned unit illustrated as separating component can be or may not be physically separate, and the parts shown as unit can be or may not be physical location；Both may be located at a place, it is also possible to be distributed on multiple NE；Part or all of unit therein can be selected according to the actual needs to realize the purpose of the present embodiment scheme.
It addition, each functional unit in various embodiments of the present invention can be fully integrated in a processing unit, it is also possible to be that each unit is individually as a unit, it is also possible to two or more unit are integrated in a unit；Above-mentioned integrated unit both can realize to use the form of hardware, it would however also be possible to employ hardware adds the form of SFU software functional unit and realizes.
One of ordinary skill in the art will appreciate that: all or part of step realizing said method embodiment can be completed by the hardware that programmed instruction is relevant, aforesaid program can be stored in computer read/write memory medium, this program upon execution, performs to include the step of said method embodiment；And aforesaid storage medium includes: the various media that can store program code such as movable storage device, read-only storage (Read Only Memory, ROM), magnetic disc or CDs.
Or, if the above-mentioned integrated unit of the present invention realizes using the form of software function module and as independent production marketing or when using, it is also possible to be stored in a computer read/write memory medium.Based on such understanding, the part that prior art is contributed by the technical scheme of the embodiment of the present invention the most in other words can embody with the form of software product, this computer software product is stored in a storage medium, including some instructions with so that a computer equipment (can be personal computer, server or the network equipment etc.) performs all or part of of method described in each embodiment of the present invention.And aforesaid storage medium includes: the various media that can store program code such as movable storage device, ROM, magnetic disc or CDs.
The above; being only the detailed description of the invention of the present invention, but protection scope of the present invention is not limited thereto, any those familiar with the art is in the technical scope that the invention discloses; change can be readily occurred in or replace, all should contain within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with described scope of the claims.
Claims (10)
1. paying the transfer account method between application, described method includes:
Determine that the first payment accounts as remittance abroad account, described first payment accounts are the first payment application
Account；
Determining as the second payment accounts importing account, described second payment accounts is the second payment application
Account, described second pay application pay with described first apply different, described first payment accounts and described
Second payment accounts is non-banking account；
Determine that payment, described payment are used for showing to proceed to described second from described first payment accounts
The amount of money of payment accounts；
The amount of the corresponding amount of money is proceeded to described second from described first payment accounts according to described payment
The number of paying a bill.
Method the most according to claim 1, it is characterised in that described according to described payment from institute
State the first payment accounts and proceed to amount extremely described second payment accounts of the corresponding amount of money, including:
Electronic equipment obtains the 3rd payment accounts；
Described electronic equipment generates first according to described first payment accounts, the 3rd payment accounts and payment
Paying request, described first pays request for proceeding to from described first payment accounts according to described payment
The 3rd corresponding amount of money of payment accounts；
Described electronic equipment pays request by described first and is sent to first server by the 3rd server, institute
State the server that third-party server is the non-described remittance account corresponding to described 3rd payment accounts, described
First server is the described first server paying application；
Described electronic equipment receives, by described 3rd server, the first payment ginseng that described first server sends
Number, described first payment parameter is used for calling described first payment application and completes described first payment request；
Described electronic equipment utilizes described first to pay parameter and completes described first payment request.
Method the most according to claim 2, it is characterised in that described electronic equipment utilizes described first
Pay parameter and complete described first payment request, including:
Described electronic equipment utilizes described first to pay the first payment application described in state modulator to described first clothes
Business device sends the first payment request, so that described first server completes described first pays request, and described the
One pays request for turning to described 3rd payment accounts from described first payment accounts according to described payment
Account；
Described 3rd server receives the first payment response that described first server sends；
If described first payment response shows to be successfully completed described first payment request, described 3rd service
Device is transferred accounts to described second payment accounts from described 3rd payment accounts according to described payment.
Method the most according to claim 3, it is characterised in that described method also includes:
If described first payment response shows to have failed during described first payment request, the described 3rd
Server returns the first payment response to described electronic equipment.
Method the most according to claim 3, it is characterised in that described 3rd server is according to described
Pay the amount of money to transfer accounts to described second payment accounts from described 3rd payment accounts, including:
Described 3rd server sends to described second server and transfers accounts application, described in transfer accounts apply in carry
3rd payment accounts, the second payment accounts and described payment；
Described 3rd server receives the second payment parameter that described second server sends, and described second pays
Parameter at least includes the bank account information bound mutually with described second payment accounts, described bank account information
At least include Bank Account Number；
Described 3rd server pays parameter according to described payment and described second and pays a bill to described second
Number binding Bank Account Number transfer accounts；
Described 3rd server receives the transfer result that described bank server sends, and described transfer result is used for
Indicate whether to transfer accounts successfully；
Described transfer result is sent to described electronic equipment by described 3rd server.
6. paying the system transferred accounts between application, described system includes electronic equipment, described electronic equipment
Including input equipment and processor, wherein:
Described input equipment, for obtaining the operation of user；
Described processor, for determining the first payment accounts as remittance abroad account, institute according to the operation of user
State the account that the first payment accounts is the first payment application；Operation according to user determines as importing account
Second payment accounts, described second payment accounts is the account of the second payment application, and described second pays application
Paying application from described first different, described first payment accounts and described second payment accounts are non-banking
Account；Operation according to user determines that payment, described payment are used for showing to pay from described first
Account proceeds to the amount of money of described second payment accounts；Turn from described first payment accounts according to described payment
Enter the amount of the corresponding amount of money to described second payment accounts.
System the most according to claim 6, it is characterised in that described processor is additionally operable to obtain the 3rd
Payment accounts；Generating the first payment according to described first payment accounts, the 3rd payment accounts and payment please
Asking, described first pays request for proceeding to the 3rd according to described payment from described first payment accounts
The corresponding amount of money of the number of paying a bill；Pay request by described first and be sent to first server by the 3rd server,
Described third-party server is the server of the non-described remittance account corresponding to described 3rd payment accounts, institute
Stating first server is the described first server paying application；Described the is received by described 3rd server
The first payment parameter that one server sends, described first pays parameter is used for calling described first payment application
Complete described first and pay request；Utilize described first to pay parameter and complete described first payment request.
System the most according to claim 7, it is characterised in that described system also includes the 3rd server,
Accordingly, described electronic equipment, be used for utilizing described first pay described in state modulator first pay application to
Described first server sends the first payment request, so that described first server completes described first payment and asks
Ask, described first pay request for according to described payment from described first payment accounts to the described 3rd
Payment accounts is transferred accounts；
Described 3rd server, for receiving the first payment response that described first server sends；If institute
State the first payment response and show to be successfully completed described first when paying request, according to described payment from described
3rd payment accounts is transferred accounts to described second payment accounts.
System the most according to claim 8, it is characterised in that described 3rd server, be additionally operable to as
The most described first payment response shows to have failed described first when paying request, to described electronic equipment
Return the first payment response.
System the most according to claim 8, it is characterised in that described 3rd server, for
Described second server sends and transfers accounts application, described in transfer accounts apply in carry the 3rd payment accounts, second
The number of paying a bill and described payment；Receive described second server send second payment parameter, described second
Pay the bank account information that parameter at least includes binding mutually, described Bank Account Number with described second payment accounts
Information at least includes Bank Account Number；Parameter is paid to described second according to described payment and described second
The Bank Account Number of the number of paying a bill binding is transferred accounts；Receive described bank server send transfer result, described in transfer accounts
Result is used for indicating whether to transfer accounts successfully；Described transfer result is sent to described electronic equipment.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610159294.1A CN105787714A (en) | 2016-03-18 | 2016-03-18 | A method and system for transferring accounts between payment applications |
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| CN201610159294.1A CN105787714A (en) | 2016-03-18 | 2016-03-18 | A method and system for transferring accounts between payment applications |
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