CN106557917A - Information processing method, device and the information processing platform - Google Patents
Information processing method, device and the information processing platform Download PDFInfo
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- CN106557917A CN106557917A CN201610967520.9A CN201610967520A CN106557917A CN 106557917 A CN106557917 A CN 106557917A CN 201610967520 A CN201610967520 A CN 201610967520A CN 106557917 A CN106557917 A CN 106557917A
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- account
- service side
- beneficiary
- terminal
- bill
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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
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/16—Payments settled via telecommunication 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
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- Engineering & Computer Science (AREA)
- Finance (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of information processing method, device and the information processing platform, and the information processing method includes：Receive the process request that service side's terminal is sent based on the transfer request from paying party；Whether service for checking credentials side's account has default access；If so, then numerical value transfer request is sent to payer terminal；Receive the checking information that payer terminal is sent according to numerical value transfer request；When checking information reserved checking information corresponding with paying party account is consistent, process to processing request, and the successful result of transfer is sent to service side's terminal, sent successful result is shifted to beneficiary terminal by service side's terminal.Process to delivery operation is initiated to the information processing platform by service side's account to ask, realizing carries out numerical value transfer by service side's account, so as to verify without the need for the qualification to beneficiary, improve gathering efficiency, further saved social resources.
Description
Technical field
The present invention relates to the information processing technology of the communications field, more particularly to a kind of information processing method, device and letter
Breath processing platform.
Background technology
With the development of Internet technology and mobile terminal technology, increasing user is using propping up that mobile terminal is installed
Pay platform to move payment.Traditional mobile payment generally includes two classes, and a class is social payment, and a class is business
Pay.Social payment refers to that the good friend of direction payment platform of paying the bill transfers accounts, or obtains beneficiary by scanning the Quick Response Code of beneficiary
In the account information of payment platform, initiate to pay the bill to beneficiary.Business pays and refers to businessman by submitting qualification to payment platform
Certificate and to information such as public banks, obtains the business account in payment platform.After paying party initiates payment, payment platform is to gathering
Whether side is that the business account registered is verified, when the business account of payment platform is verified as, pays the bill to beneficiary and is propping up
Pay in the business account of platform, beneficiary can be withdrawn deposit to bank in public account.
Business pays is paid the bill into the business account of businessman, by the related payment information for checking business account, can
Realize reconciliation, trade management and operation analyses.And social payment is paid the bill to personal account, both produced in social activity including individual
Payment, for example, good friend send red packet, also including consumption and payment from consumer to personal businessman, for example, buy commodity pay
Money.In in the social payment shape for paying being, including various situations, personal trade company's reconciliation, trade management and operation are not easy to
Analysis.Therefore, for businessman, preferably use business and pay.
But traditional business pays to be needed to verify the qualification of businessman, and cumbersome, efficiency is low.
The content of the invention
Based on this, it is necessary to provide a kind of information processing method of efficiency high, device and the information processing platform.
To reach above-mentioned purpose, the embodiment of the present invention is employed the following technical solutions：
A kind of information processing method, including：
The process request that service side's terminal is sent based on the transfer request from payer terminal is received, it is described to process request
Carry paying party account, beneficiary account and service side's account；
Verify whether service side's account has default access；
If so, then numerical value transfer request is sent to the payer terminal；
Receive the checking information that the payer terminal is sent according to the numerical value transfer request；
When the checking information reserved checking information corresponding with the paying party account is consistent, request is processed to described
Processed, and the successful result of transfer is sent to service side's terminal, by service side's terminal by the transfer
Successfully result is sent to the beneficiary terminal.
A kind of information processing method, including：
Receive the transfer request that payer terminal sends；
Generated based on the transfer request and process request, and described process is asked to send to the information processing platform, it is described
Process request and carry paying party account, beneficiary account, service side's account, the service is verified by described information processing platform
The process request is processed when square account has default access；
The successful result of transfer that described information processing platform sends is received, and the transfer is successfully processed into knot
Fruit is sent to the beneficiary terminal.
A kind of information processing platform, including：Receiver module, authentication module, sending module and processing module；
The receiver module, for receiving the process that service side's terminal is sent based on the transfer request from payer terminal
Request, the process request carry paying party account, beneficiary account and service side's account；
The authentication module, for verifying whether service side's account has default access；
The sending module, for when the result of the authentication module is to be, sending to the payer terminal
Numerical value transfer request；
The receiver module, is additionally operable to receive the checking letter that the payer terminal is sent according to the numerical value transfer request
Breath；
The authentication module, is additionally operable to verify the checking information reserved checking information corresponding with the paying party account
It is whether consistent；
The processing module, for consistent with the corresponding reserved checking information of the paying party account in the checking information
When, the process request is processed；
The sending module, is additionally operable to send the successful result of transfer to service side's terminal, by the service
Square terminal sends the transfer successful result to the beneficiary terminal.
A kind of information processor, including：Service receiver module, service processing module and service sending module；
The service receiver module, for receiving the transfer request of payer terminal transmission；
The service processing module, processes request for generating based on the transfer request；
The service sending module, for processing request transmission to the information processing platform by described, the process request is taken
With paying party account, beneficiary account, service side's account, service side's account tool is being verified by described information processing platform
The process request is processed when having default access；
The service receiver module, also receives the successful result of transfer that described information processing platform sends, and will
The successful result of the transfer is sent to the beneficiary terminal.
Above-mentioned information processing method, receives the transfer request transmission processe by service side based on paying party and asks, testing
When card service side's account has default access, numerical value transfer request is sent to paying party, receiving paying party please based on numerical value transfer
The checking information of transmission is sought, after being verified, is processed and to service side's account transmission processe result to processing request, by
Service side's account sends result to beneficiary terminal.Due to being initiated to propping up to the information processing platform by service side's account
The process request of operation is paid, realizing carries out numerical value transfer by service side's account, so as to carry out without the need for the qualification to beneficiary
Checking, improves gathering efficiency, has further saved social resources.
Description of the drawings
Applied environment schematic diagrams of the Fig. 1 for one embodiment of the invention scheme；
Internal structure schematic diagrams of the Fig. 2 for service side's terminal or the information processing platform of one embodiment；
Flow charts of the Fig. 3 for the information processing method of one embodiment；
Sequential explanation schematic diagrams of the Fig. 4 for the information processing method of one embodiment；
Fig. 5 be another embodiment information processing method in payment and send bill the step of sequential explanation illustrate
Figure；
Flow charts of the Fig. 6 for the information processing method of one embodiment；
Structural representations of the Fig. 7 for the information processing platform of one embodiment；
Fig. 8 is the structural representation of the information processing platform of another embodiment；
Structural representations of the Fig. 9 for the information processor of one embodiment；
Figure 10 is the structural representation of the information processor of another embodiment.
Specific embodiment
To make the objects, technical solutions and advantages of the present invention become more apparent, below in conjunction with drawings and Examples, to this
Invention is described in further detail.It should be appreciated that specific embodiment described herein is only to explain the present invention,
Protection scope of the present invention is not limited.
The applied environment schematic diagram of the information processing method that Fig. 1 is provided for one embodiment.As shown in figure 1, this applies ring
Border includes payer terminal 101, beneficiary terminal 102, service side's terminal 103 and the information processing platform 104.Payer terminal
101 and service side's terminal 102 by network connection, pass through network connection between each terminal and the information processing platform 104.Wherein,
By taking trading activity as an example, payer terminal 101 is located at consumer side, and beneficiary terminal 102 is located at businessman side, service side's terminal
103 are located at service side side, and service side provides gathering service after the information processing platform registers the corresponding authority of acquisition as businessman.Disappear
The person of expense is located at the Quick Response Code of businessman side using the scanning of payer terminal 101 after businessman's consumption, and Quick Response Code is by businessman side in service
Side is provided by service side after registering, and Quick Response Code includes beneficiary account and service side's account, and payer terminal 101 is to service
Square terminal 103 sends transfer request, is asked to 104 transmission processe of the information processing platform by service side's terminal 103.Information processing
Platform 104 is processed to processing request after the password of the authority and paying party account of service for checking credentials side's account, and to service
Square terminal 103 sends the successful result of transfer, result is sent to beneficiary terminal 102 by service side's terminal 103.
As the introducing of service side, realization carry out numerical value transfer by service side's account, verify without the need for the qualification to beneficiary, improve
Gathering efficiency, has further saved social resources.
Fig. 2 is the internal structure schematic diagram of server in one embodiment.As shown in Fig. 2 server is included by system
Processor, storage medium, internal memory and network interface that bus connects.Wherein, the storage medium of server is stored with operating system,
Also include a kind of information processing platform, the information processing platform is used to realize a kind of information processing method.The processor is used to carry
For calculating and control ability, the operation of whole server is supported.The information processing saved as in server in storage medium is put down
The operation of platform provides environment, and network interface carries out network service with beneficiary terminal/service side terminal/paying party Minced Steak, such as takes
Business side's terminal is asked to information processing platform transmission processe, and the information processing platform sends result to beneficiary terminal.This
The structure that art personnel are illustrated in being appreciated that Fig. 2, the only block diagram of the part-structure related to application scheme,
Do not constitute the restriction of the terminal being applied thereon to application scheme, specific server can include than shown in figure more
Many or less parts, or some parts are combined, or arrange with different parts.Server as service side's terminal
Structure it is similar with Fig. 2, the storage medium of server is stored with operating system, also including a kind of information processor, the information
Processing meanss are used to realize a kind of information processing method.Other structures are identical with Fig. 2, will not be described here.
Fig. 3 is the flow chart of information processing method in one embodiment.The information processing method runs on the letter shown in Fig. 1
Breath processing platform 104, the method for the embodiment are comprised the following steps：
S302：Receive the process request that service side's terminal is sent based on the transfer request from paying party.
Service side's account is logged in service side's terminal 103.Service side's terminal needs to have certain disposal ability.
Paying party account is logged in payer terminal 101, and beneficiary account is logged in beneficiary terminal 102.Transfer
Request sent to service side's terminal 103 by payer terminal 101 as shown in Figure 1, transfer request carry paying party account,
Beneficiary account and service side's account.Businessman side provides beneficiary account and service side's account.In a specific embodiment
In, businessman side provides the Quick Response Code by be stored with beneficiary account and the service side's account that obtain are registered in service side, payment
The scanning Quick Response Code of square terminal 101 obtains beneficiary account and service side's account.Show in payer terminal 101 and pay the page, use
In present the bill for payment side's input transfer numerical value.Initiation payment on the page is being paid after paying party input transfer numerical value.
Service side's account of the offer of businessman side, can be by the beneficiary acquisition after service side's registration in advance.By in service
Registration Delegation Server side of side opens gathering functions, provides gathering service for beneficiary by service side.When beneficiary is at service side's end
After end is succeeded in registration, service side's terminal sends the Quick Response Code of be stored with beneficiary account and service side's account to beneficiary terminal.
Quick Response Code printing can be illustrated in cashier side and supply consumer scans by businessman, it is also possible to will show on the display device of terminal
Quick Response Code supplies consumer scans.
Paying party is sent to service side's terminal by the transfer request that payer terminal is initiated, from payer terminal to letter
Breath processing platform initiates to process request.Process request and carry paying party account, beneficiary account and service side's account.
S304：Whether service for checking credentials side's account has default access.If so, then execution step S306.
Service side is registered to the information processing platform by terminal, provides gathering service for beneficiary.After succeeding in registration, information
Processing platform is that service side's account distributes default access.Default access in the present embodiment is to provide the authority of gathering service.
S306：Numerical value transfer request is sent to payer terminal.
S308：Receive the checking information that payer terminal is sent according to numerical value transfer request.
The information processing platform sends numerical value to payer terminal after service for checking credentials side's account has the authority of gathering service
Transfer request.Numerical value transfer request is used for the payment instruction for obtaining paying party, is withholdd according to payment instruction.Payer terminal
After the numerical value transfer request for receiving information processing platform transmission, inputting interface is shown in the display interface of payer terminal,
Paying party validation information simultaneously sends checking information to the information processing platform.Checking information in the present embodiment is paying party
The payment cipher of account.
S310：When checking information reserved checking information corresponding with paying party account is consistent, to processing at request
Reason, and the successful result of transfer is sent to service side's terminal, successful result will be shifted by service side's terminal and sent
To beneficiary terminal.
Paying party account is provided for the checking information for confirming to pay in advance in the information processing platform, verifies in the present embodiment
Information is payment cipher.After the checking information that paying party account is sent based on numerical value transfer request is received, by checking information
It is compared in the corresponding reserved checking information of the information processing platform with paying party account.If consistent, carry out to processing request
Process.Process to processing request, specially according to processing request, from paying party account deduct the related corresponding amount of money and by
The amount of money of deduction is transferred in beneficiary account.Result includes the process knot for shifting successful result and transfer failure
Really.If withholing successfully, then it represents that shift successfully, if withholing unsuccessfully, then it represents that transfer failure.The reason for transfer failure, includes checking
Information errors (payment cipher mistake), paying party account balance deficiency etc..If result is to shift successfully, to service side's end
End sends the successful result of transfer, is sent successful result is shifted to beneficiary account by service side's terminal.Business
The successful message of transfer is checked by beneficiary terminal by family, confirms that consumer shifts successfully.
Above-mentioned information processing method, receives the transfer request transmission processe by service side based on paying party and asks, testing
When card service side's account has default access, numerical value transfer request is sent to paying party, receiving paying party please based on numerical value transfer
The checking information of transmission is sought, after being verified, is processed and to service side's account transmission processe result to processing request, by
Service side's account sends result to beneficiary terminal.Due to being initiated to propping up to the information processing platform by service side's account
The process request of operation is paid, realizing carries out numerical value transfer by service side's account, so as to carry out without the need for the qualification to beneficiary
Checking, improves gathering efficiency, has further saved social resources.
In another embodiment, as shown in figure 4, information processing method also includes：When checking information and paying party account pair
When the reserved checking information answered is inconsistent, the result of transfer failure is sent to payer terminal.
The reason for result of transfer failure also includes transfer failure.In the present embodiment, the reason for failing is shifted to prop up
Pay code error.
In another embodiment, information processing method also includes：If service for checking credentials side's account does not have default access, to
Payer terminal and/or beneficiary terminal send the result of transfer failure.
In a further embodiment, as shown in figure 5, the step of information processing method is also checked including bill, bill verification
The step of specifically include following steps 1 to step 2.
Step 1：Detection current time, when current time meets bill verification condition, generates service side's account in unit
Service side's bill in time；Service side's bill includes each beneficiary account sum that numerical value transfer is carried out by service side's account
Value transinformation.
In the present embodiment, the information processing platform is provided with bill verification condition, when bill verification condition is reached, generates clothes
Business side's bill.The bill of the present embodiment checks condition for the time, and the information processing platform can arrange the bill verification time, for example, often
It 10 points.The information processing platform is detected to current time, when setting time is reached, generates the service in the unit interval
Square bill.Service side's bill includes each beneficiary account and numerical value transfer letter that numerical value transfer is carried out by service side's account
Breath.Numerical value transinformation includes numerical value transfer time, paying party account, transfer numerical value etc..Unit interval refers to service side's bill
The friendship incident time period covered, in a kind of embodiment, the unit interval is day/week/moon etc., by day of the unit interval is
Example, when bill verification condition is met, generation the previous day carries out service side's bill of numerical value transfer.By week of the unit interval it is
Example, when bill verification condition is met, generation the last week carries out service side's bill of numerical value transfer.
Step 2：Service side's bill is sent to service side's terminal, local each beneficiary account is being checked by service side's terminal
Each beneficiary bill is sent to corresponding beneficiary terminal after list is consistent with service side's bill.
Service side's terminal generates each beneficiary bill according to local transaction record, and beneficiary bill includes numerical value transfer letter
Breath, numerical value transinformation include numerical value transfer time, paying party account, transfer numerical value etc..Service side's terminal is according to beneficiary account
Number, the beneficiary bill of service side's bill and service side's terminal record to information processing platform record is checked, if unanimously,
Then service side's terminal sends each beneficiary bill to corresponding beneficiary terminal.It should be appreciated that different by arranging
Unit interval and corresponding bill verification condition, service side can be to beneficiary offer day bill, moon bill or year bills etc..Business
Family after terminal receives bill can carry out reconciliation, by bill, can get information about turnover, and operation is carried out
Analysis.
In one embodiment, process request and also carry transfer numerical value；When checking information it is corresponding with paying party account
When reserved checking information is consistent, it is specially to processing the step of request is processed：The transfer number is deducted from paying party account
Value.
It should be appreciated that when transfer numerical value is deducted from paying party account, if the selected means of payment of paying party
It is to deduct the fee from the bank card or account balance of binding, then, before deduction, should also inquires about bank card or in information processing
Available balance in the account balance of platform.When numerical value being shifted not less than available balance, deduct this turn from paying party account
Move numerical value.Successfully deduct the fee from paying party account, then paying party account is shifted successfully to beneficiary account, otherwise, transfer
Failure.Wherein, available balance is less than one of reason that transfer numerical value is transfer failure.
The step of method of information processing also includes payment, the step includes：The time at that time is detected, when current time meets
During terms of settlement, the transfer numerical value of each paying party deducted in the unit interval is shifted to corresponding beneficiary account.
In the present embodiment, the information processing platform is provided with terms of settlement, when terms of settlement are reached, the information processing platform to
Beneficiary account is paid the bill.The terms of settlement of the present embodiment are the time, and the information processing platform can arrange the clearing time, for example, daily
8 points.In the present embodiment, the transfer numerical value deducted from paying party account is not immediately transferred in beneficiary account, but
When default terms of settlement are met, the information processing platform is again by the transfer numerical value of each paying party deducted in the unit interval to right
The beneficiary account transfer answered.The billing cycle of set information processing platform and beneficiary account by the setting unit time.
Unit interval can be day/week/month etc., and so that the unit interval is as day as an example, the information processing platform carries out day knot with beneficiary account,
The clearing time of setting is reached in current time, for example, daily 8 points, the beneficiary that the previous day is received by the information processing platform
The expense of account is shifted to beneficiary account.It is understood that checking bill for ease of beneficiary, the clearing time is earlier than bill
The transmission time.
In the present embodiment, by arranging terms of settlement, the information processing platform can be avoided from continually entering with beneficiary account
Row clearing, reduce the processing pressure of the information processing platform.
Above-mentioned information processing method, initiating process to delivery operation to the information processing platform by service side's account please
Ask, without the need for verifying to beneficiary account, businessman can be carried out the information processing platform without the need for providing related qualifications file
Business pays, and the threshold of business payment is carried out so as to reduce businessman, carries out business payment for businessman and provides facility.Meanwhile, clothes
Business side provides statement for beneficiary, is easy to businessman's reconciliation, trade management and operation analyses, is easy to beneficiary to carry out business payment
Management.
In one embodiment, there is provided a kind of information processing method, the method is applied in service side's terminal as shown in Figure 1
On 103, as shown in fig. 6, the method is comprised the following steps：
S602：Receive the transfer request that payer terminal sends.
Transfer request is sent to service side's terminal 103 by payer terminal 101 as shown in Figure 1, and transfer request is carried
There are paying party account, beneficiary account and service side's account.Businessman side provides beneficiary account and service side's account.Have at one
In the embodiment of body, businessman side provides the Quick Response Code of be stored with beneficiary account and service side's account, and payer terminal 101 is swept
Retouch Quick Response Code and obtain beneficiary account and service side's account.Show in payer terminal 101 and pay the page, for present the bill for payment side
Input transfer numerical value.Initiation payment on the page is being paid after paying party input transfer numerical value.
S604：Generated based on transfer request and process request, and request will be processed and sent to the information processing platform, process request
Paying party account, beneficiary account, service side's account are carried, by the information processing platform according to service side's account service for checking credentials
Process to processing request when square account has default access.
Paying party is sent to service side's terminal by the transfer request that payer terminal is initiated, from payer terminal to letter
Breath processing platform initiates to process request.Process request and carry paying party account, beneficiary account and service side's account.
Service side is registered to the information processing platform by terminal, provides gathering service for beneficiary.After succeeding in registration, information
Processing platform is that service side's account distributes default access.Default access in the present embodiment is to provide the authority of gathering service.When
When information processing platform service for checking credentials side account has default access, process to processing request.
S606：The successful result of transfer that receive information processing platform sends, and successful result will be shifted
Send to beneficiary terminal.
The result processed to processing request includes the process knot for shifting successful result and transfer failure
Really.If withholing successfully, then it represents that shift successfully, if withholing unsuccessfully, then it represents that transfer failure.The reason for transfer failure, includes checking
Information errors (payment cipher mistake), paying party account balance deficiency etc..If result is to shift successfully, to service side's end
End sends the successful result of transfer, is sent successful result is shifted to beneficiary account by service side's terminal.Business
The successful message of transfer is checked by beneficiary terminal by family, confirms that consumer shifts successfully.
Above-mentioned information processing method, receives the transfer request of paying party, and based on transfer request to the information processing platform
Transmission processe is asked, and when information processing platform service for checking credentials side account has default access, is processed to processing request, is also connect
The successful result of transfer that the information processing platform sends is received, and result is sent to beneficiary terminal.Due to passing through
Service side's account initiates the process to delivery operation to the information processing platform asks, and realizing carries out numerical value by service side's account
Transfer, so as to verify without the need for the qualification to beneficiary, improves gathering efficiency, has further saved social resources.
In another embodiment, also including statement is sent the step of the step of, transmission statement, specifically includes following four
Individual step：
Service side's bill that receive information processing platform sends, service side's bill include carrying out numerical value by service side's account
Each beneficiary account and numerical value transinformation of transfer.
In the present embodiment, the information processing platform is provided with bill verification condition, when bill verification condition is reached, generates clothes
Business side's bill.The bill of the present embodiment checks condition for the time, and the information processing platform can arrange the bill verification time, for example, often
It 10 points.The information processing platform is detected to current time, when setting time is reached, generates the service in the unit interval
Square bill.Service side's bill includes each beneficiary account and numerical value transfer letter that numerical value transfer is carried out by service side's account
Breath.Numerical value transinformation includes numerical value transfer time, paying party account, transfer numerical value etc..Unit interval refers to service side's bill
The friendship incident time period covered, in a kind of embodiment, the unit interval is day/week/moon etc., by day of the unit interval is
Example, when bill verification condition is met, generation the previous day carries out service side's bill of numerical value transfer.
According to the numerical value transinformation of local record, generating in the unit interval carries out numerical value transfer by service side's account
Each beneficiary bill.
Each beneficiary bill is generated according to local transaction record, beneficiary bill includes numerical value transinformation, and numerical value turns
Shifting information includes numerical value transfer time, paying party account, transfer numerical value etc..
Beneficiary bill and service side's bill are checked according to beneficiary account.If confirmation, execution step：
Each beneficiary bill is sent to corresponding beneficiary terminal.
According to beneficiary account, the beneficiary of service side's bill and service side's terminal record to information processing platform record
Bill is checked, if unanimously, service side's terminal sends each beneficiary bill to corresponding beneficiary terminal.It should be understood that
, by arranging different unit interval and corresponding bill checks condition, service side can to beneficiary provide day bill,
Month bill or year bill etc..Businessman can carry out reconciliation after terminal receives bill, by bill, can get information about
Turnover, is analyzed to operation.
Above-mentioned information processing method, initiating process to delivery operation to the information processing platform by service side's account please
Ask, without the need for verifying to beneficiary account, businessman can be carried out the information processing platform without the need for providing related qualifications file
Business pays, and the threshold of business payment is carried out so as to reduce businessman, carries out business payment for businessman and provides facility.Meanwhile, clothes
Business side provides statement for beneficiary, is easy to businessman's reconciliation, trade management and operation analyses, is easy to beneficiary to carry out business payment
Management.
A kind of specific information processing method is provided below, the method is comprised the following steps：
S1：Payer terminal scans Quick Response Code, obtains service side's account and beneficiary account.
S2：Transfer request is sent to service side's terminal, transfer request includes paying party account, beneficiary account, service side
Account and transfer numerical value.
S3：Service side's terminal receives transfer request, and is asked to information processing platform transmission processe based on transfer request.
Processing request includes paying party account, beneficiary account, service side's account and transfer numerical value.
S4：The information processing platform is verified to the payment information of the authority and paying party of paying party account.If it is not, then holding
Row step S5, if being verified, execution step S6.
S5：The information processing platform sends the result of transfer failure to payer terminal and/or beneficiary terminal.
S6：The information processing platform sends numerical value transfer request to payer terminal.
After step S6, also including step：
S7：The information processing platform obtains the checking information that payer terminal is sent according to numerical value transfer request.
S8：Whether information processing platform authentication information reserved checking information corresponding with paying party account is consistent.If
It is no, then execution step S9, if so, then execution step S10.
S9：The information processing platform sends the result of transfer failure to payer terminal.
S10：The information processing platform deducts transfer numerical value from paying party account.
Also include step S11 after step S10：Withhold after success, the information processing platform sends to service side's terminal and shifts
Successful result.
Step S12：Service side's terminal is sent successful result is shifted to beneficiary terminal and payer terminal.
S13:The information processing platform detects the time at that time, and when current time meets terms of settlement, the information processing platform will
The transfer numerical value of each paying party deducted in the unit interval is shifted to corresponding beneficiary account.
In the present embodiment, terms of settlement reach at 8 points for the time, and the unit interval is day, when current time reaches at 8 points,
The transfer numerical value of each paying party that information processing platform the previous day is deducted is shifted to corresponding beneficiary account.
S14：The information processing platform detects current time, and when current time meets bill verification condition, information processing is put down
Platform generates service side bill of service side's account within the unit interval；Service side's bill includes carrying out numerical value by service side's account
Each beneficiary account and numerical value transinformation of transfer.
In the present embodiment, bill verification condition reaches at 10 points for the time, and the unit interval is day, when current time reaches at 10 points
When, the information processing platform generates the bill for the previous day each service side's account of numerical value transfer being carried out by service side's account.
S15：The information processing platform sends service side's bill to service side's terminal.
S16：Service side's bill that service side's terminal receive information processing platform sends, service side's bill are included by service
Square account carries out each beneficiary account and numerical value transinformation of numerical value transfer.
S17：Numerical value transinformation of service side's terminal according to local record, generates
Carry out each beneficiary bill of numerical value transfer.
S18：Service side's terminal checks beneficiary bill and service side's bill according to beneficiary account.If confirmation,
Execution step S19.
S19：Service side's terminal sends each beneficiary bill to corresponding beneficiary terminal.
Above-mentioned information processing method, initiating process to delivery operation to the information processing platform by service side's account please
Ask, on the one hand, realizing carries out numerical value transfer by service side's account, so as to verify without the need for the qualification to beneficiary, carry
High gathering efficiency, has further saved social resources.On the other hand, the information processing platform is without the need for carrying out to beneficiary account
Checking, businessman can carry out business payment without the need for providing related qualifications file, carry out business payment so as to reduce businessman
Threshold, for businessman carry out business pay facility is provided.Meanwhile, service side provides statement for beneficiary, be easy to businessman's reconciliation,
Trade management and operation analyses, are easy to beneficiary to carry out business payment management.
In one embodiment, there is provided a kind of information processing platform, as shown in fig. 7, comprises：Receiver module 701, checking mould
Block 702, sending module 703 and processing module 704.
Receiver module 701, for receiving the process that service side's terminal is sent based on the transfer request from payer terminal
Request, processes request and carries paying party account, beneficiary account and service side's account.
Whether authentication module 702, have default access for service for checking credentials side's account.
Sending module 703, for when the result of authentication module is to be, sending numerical value transfer to payer terminal please
Ask.
Receiver module 701, is additionally operable to receive the checking information that payer terminal is sent according to numerical value transfer request.
Whether consistent authentication module 702, be additionally operable to authentication information reserved checking information corresponding with paying party account.
Processing module 704, for when checking information reserved checking information corresponding with paying party account is consistent, to processing
Request is processed.
Sending module 703, is additionally operable to send the successful result of transfer to service side's terminal, will be turned by service side's terminal
Move successful result to send to beneficiary terminal.
The above-mentioned information processing platform, receives the transfer request transmission processe by service side based on paying party and asks, testing
When card service side's account has default access, numerical value transfer request is sent to paying party, receiving paying party please based on numerical value transfer
The checking information of transmission is sought, after being verified, is processed and to service side's account transmission processe result to processing request, by
Service side's account sends result to beneficiary terminal.Due to being initiated to propping up to the information processing platform by service side's account
The process request of operation is paid, without the need for verifying to beneficiary account, businessman is without the need for providing related qualification card for the information processing platform
Prescribed paper can carry out business payment, the threshold of business payment is carried out so as to reduce businessman, be businessman carry out business pay carry
For facility.
In yet another embodiment, as shown in figure 8, the information processing platform also includes that detection module 705 and bill generate mould
Block 706.
Detection module 705, for detecting current time.
Bill generation module 706, for when detection module detection current time meets bill verification condition, generating service
Service side bill of the square account within the unit interval；Service side's bill includes each receipts that numerical value transfer is carried out by service side's account
Money side's account and numerical value transinformation.
Sending module 703 sends service side's bill to service side's terminal, is checking local each receipts by service side's terminal
After money side's bill is consistent with service side's bill, each beneficiary bill is sent to corresponding beneficiary terminal.
Businessman can carry out reconciliation after terminal receives bill, by bill, can get information about turnover,
Operation is analyzed.
In a further embodiment, process request and also carry transfer numerical value；Processing module 704, in checking information
When corresponding with paying party account reserved checking information is consistent, transfer numerical value is deducted from paying party account；
The information processing platform also include judge module 707, judge module 707 for according to current time judge whether meet
Terms of settlement.
Processing module 704 judge module judged result for be when, by each paying party deducted in the unit interval turn
Move numerical value to shift to corresponding beneficiary account.
In the present embodiment, by arranging terms of settlement, the information processing platform can be avoided from continually entering with beneficiary account
Row clearing, reduce the processing pressure of the information processing platform.
In one embodiment, sending module 703 is additionally operable to when checking information reserved checking corresponding with paying party account
When information is inconsistent, the result of transfer failure is sent to payer terminal.
Or sending module 703, be additionally operable to service for checking credentials side's account not have default access when, to payer terminal and/
Or beneficiary terminal sends the result of transfer failure.
The above-mentioned information processing platform, initiating process to delivery operation to the information processing platform by service side's account please
Ask, realizing carries out numerical value transfer by service side's account, so as to verify without the need for the qualification to beneficiary, improve gathering
Efficiency, has further saved social resources.
In one embodiment, there is provided a kind of information processor, as shown in figure 9, service receiver module 901, service center
Reason module 902 and service sending module 903.
Service receiver module 901, for receiving the transfer request of payer terminal transmission.
Service processing module 902, processes request for generating based on transfer request.
Service sending module 903, sending to the information processing platform for will process request, processing request and carrying paying party
Account, beneficiary account, service side's account, by the information processing platform when service for checking credentials side's account has default access to process
Request is processed.
Service receiver module 901, the successful result of transfer that also receive information processing platform sends, and will translate into
The result of work(is sent to beneficiary terminal.
Above-mentioned information processor, receives the transfer request of paying party, and based on transfer request to the information processing platform
Transmission processe is asked, and when information processing platform service for checking credentials side account has default access, is processed to processing request, is also connect
The successful result of transfer that the information processing platform sends is received, and result is sent to beneficiary terminal.Due to passing through
Service side's account initiates the process to delivery operation to the information processing platform asks, and realizing carries out numerical value by service side's account
Transfer, so as to verify without the need for the qualification to beneficiary, improves gathering efficiency, has further saved social resources.
In yet another embodiment, as shown in Figure 10, information processor also includes bill processing module 904 and verification mould
Block 905.
Service receiver module 901, is additionally operable to service side's bill of receive information processing platform transmission, and service side's bill includes
Each beneficiary account and numerical value transinformation of numerical value transfer are carried out by service side's account.
Bill processing module 904, for the numerical value transinformation according to local record, generates in the unit interval by service
Square account carries out each beneficiary bill of numerical value transfer.
Verification module 905, for checking beneficiary bill and service side's bill according to beneficiary account.
Service sending module 903, when also the checked result in verification module is confirmation, each beneficiary bill is sent
To corresponding beneficiary terminal.
Above-mentioned information processor, initiating process to delivery operation to the information processing platform by service side's account please
Ask, without the need for verifying to beneficiary account, businessman can be carried out the information processing platform without the need for providing related qualifications file
Business pays, and the threshold of business payment is carried out so as to reduce businessman, carries out business payment for businessman and provides facility.Meanwhile, clothes
Business side provides statement for beneficiary, is easy to businessman's reconciliation, trade management and operation analyses, is easy to beneficiary to carry out business payment
Management.
One of ordinary skill in the art will appreciate that all or part of flow process in realizing above-described embodiment method, can be
Instruct related hardware to complete by computer program, described program can be stored in a non-volatile computer-readable
Take in storage medium, such as in the embodiment of the present invention, the program can be stored in the storage medium of computer system, and by the calculating
At least one of machine system computing device, to realize including the flow process of the embodiment such as above-mentioned each method.Wherein, it is described
Storage medium can be magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random access memory
(Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above arbitrarily can be combined, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope of this specification record is all considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and its description is more concrete and detailed, but and
Therefore can not be construed as limiting the scope of the patent.It should be pointed out that for one of ordinary skill in the art comes
Say, without departing from the inventive concept of the premise, some deformations and improvement can also be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be defined by claims.
Claims (12)
1. a kind of information processing method, it is characterised in that include：
The process request that service side's terminal is sent based on the transfer request from payer terminal is received, described process asks to carry
There are paying party account, beneficiary account and service side's account；
Verify whether service side's account has default access；
If so, then numerical value transfer request is sent to the payer terminal；
Receive the checking information that the payer terminal is sent according to the numerical value transfer request；
When the checking information reserved checking information corresponding with the paying party account is consistent, the process request is carried out
Process, and the successful result of transfer is sent to service side's terminal, shifted described successfully by service side's terminal
Result send to the beneficiary terminal.
2. method according to claim 1, it is characterised in that also include：
Detection current time, when current time meets bill verification condition, generates service side's account within the unit interval
Service side's bill；Service side's bill include by service side's account carry out numerical value transfer each beneficiary account and
Numerical value transinformation；
Service side's bill is sent to service side's terminal, local each beneficiary is being checked by service side's terminal
Each beneficiary bill is sent to corresponding beneficiary terminal after bill is consistent with service side's bill.
3. method according to claim 1, it is characterised in that the process request also carries transfer numerical value；It is described to work as
When the checking information reserved checking information corresponding with the paying party account is consistent, process what request was processed to described
Step includes：
When the checking information reserved checking information corresponding with the paying party account is consistent, deduct from paying party account
The transfer numerical value；
Methods described also includes step：The time at that time is detected, when current time meets terms of settlement, will be deducted in the unit interval
The transfer numerical value of each described paying party shift to the corresponding beneficiary account.
4. method according to claim 1, it is characterised in that also include：
When the checking information reserved checking information corresponding with the paying party account is inconsistent, to the payer terminal
Send the result of transfer failure；
Or
If checking service side's account does not have default access, send to the payer terminal and/or beneficiary terminal
The result of transfer failure.
5. a kind of information processing method, it is characterised in that include：
Receive the transfer request that payer terminal sends；
Generated based on the transfer request and process request, and described process is asked to send to the information processing platform, the process
Request carries paying party account, beneficiary account, service side's account, verifies service side's account by described information processing platform
Number have default access when to it is described process request process；
The successful result of transfer that described information processing platform sends is received, and the transfer successful result is sent out
Deliver to the beneficiary terminal.
6. method according to claim 5, it is characterised in that also include：
Service side's bill that described information processing platform sends is received, service side's bill is included by service side's account
Carry out each beneficiary account and numerical value transinformation of numerical value transfer；
According to the numerical value transinformation of local record, generating in the unit interval carries out numerical value transfer by service side's account
Each beneficiary bill；
The beneficiary bill and service side's bill are checked according to the beneficiary account；
If confirmation, each beneficiary bill is sent to the corresponding beneficiary terminal.
7. a kind of information processing platform, it is characterised in that include：Receiver module, authentication module, sending module and processing module；
The receiver module, please based on the process that the transfer request from payer terminal sends for receiving service side's terminal
Ask, the process request carries paying party account, beneficiary account and service side's account；
The authentication module, for verifying whether service side's account has default access；
The sending module, for when the result of the authentication module is to be, sending numerical value to the payer terminal
Transfer request；
The receiver module, is additionally operable to receive the checking information that the payer terminal is sent according to the numerical value transfer request；
The authentication module, is additionally operable to whether verify the checking information reserved checking information corresponding with the paying party account
Unanimously；
The processing module, for when the checking information reserved checking information corresponding with the paying party account is consistent,
The process request is processed；
The sending module, was additionally operable to send the successful result of transfer to service side's terminal, by service side's end
End sends the transfer successful result to the beneficiary terminal.
8. the information processing platform according to claim 7, it is characterised in that also include：Detection module and bill generate mould
Block；
The detection module is used to detect current time；
The bill generation module, for when detection module detection current time meets bill verification condition, generating institute
State service side bill of service side's account within the unit interval；Service side's bill includes carrying out by service side's account
Each beneficiary account and numerical value transinformation of numerical value transfer；
The sending module sends service side's bill to service side's terminal, is checking this by service side's terminal
Each beneficiary bill is sent to corresponding beneficiary terminal after each beneficiary bill on ground is consistent with service side's bill.
9. the information processing platform according to claim 7, it is characterised in that the process request also carries transfer number
Value；The processing module, for when the checking information reserved checking information corresponding with the paying party account is consistent, from
The transfer numerical value is deducted in paying party account；
Described information processing platform also includes judge module, and the judge module is tied for judging whether to meet according to current time
Calculation condition；
The processing module the judge module judged result for be when, by each described paying party deducted in the unit interval
Transfer numerical value shift to the corresponding beneficiary account.
10. the information processing platform according to claim 7, it is characterised in that the sending module is additionally operable to described to test
When card information reserved checking information corresponding with the paying party account is inconsistent, transfer failure is sent to the payer terminal
Result；
Or the sending module, it is additionally operable to when verifying that service side's account does not have default access, to the paying party end
End and/or beneficiary terminal send the result of transfer failure.
11. a kind of information processors, it is characterised in that include：Service receiver module, service processing module and service send mould
Block；
The service receiver module, for receiving the transfer request of payer terminal transmission；
The service processing module, processes request for generating based on the transfer request；
The service sending module, for processing request transmission to the information processing platform by described, the process request is carried
By described information processing platform, paying party account, beneficiary account, service side's account, are verifying that it is pre- that service side's account has
If processing to the process request during authority；
The service receiver module, also receives the successful result of transfer that described information processing platform sends, and will be described
Shift successful result to send to the beneficiary terminal.
12. devices according to claim 11, it is characterised in that also include：Bill processing module and verification module；
The service receiver module, is additionally operable to receive service side's bill that described information processing platform sends, service side's account
Singly include carrying out each beneficiary account and numerical value transinformation of numerical value transfer by service side's account；
The bill processing module, for the numerical value transinformation according to local record, generates
Business side's account carries out each beneficiary bill of numerical value transfer；
The verification module, for checking the beneficiary bill and service side's bill according to the beneficiary account；
The service sending module, when also the checked result in the verification module is confirmation, by each beneficiary account
Single-shot delivers to the corresponding beneficiary terminal.
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