CN112184210A - Cross-network transaction method, system and computer readable storage medium - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
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Abstract
The application provides a cross-network transaction method, a system and a computer readable storage medium, wherein the method comprises the following steps: acquiring an account binding application, wherein the account binding application comprises account information, and the account information is used for transaction in a first network; generating a transaction mark used in the second network according to the account binding application, and binding the transaction mark and the account information; acquiring a transaction application initiated in a second network, and processing the transaction application by using a transaction mark so as to perform transaction by using the processed transaction application and account information in a first network to obtain transaction intermediate information; and processing the transaction intermediate information by using the transaction mark to obtain a transaction result corresponding to the transaction application in the second network. By using the method, the convenient cross-network payment can be realized without re-applying the account in the cross-network transaction and injecting the amount into the newly applied account.
Description
Technical Field
The application belongs to the technical field of electronic merchants, and particularly relates to a cross-network transaction method, a cross-network transaction system and a computer-readable storage medium.
Background
This section is intended to provide a background or context to the embodiments of the application that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
When an overseas visitor enters china, if the network of the payment clearing organization (payment clearing network) to which the bank card held by the visitor belongs does not cover china, the bank card cannot make payment in china. Similarly, when a chinese tourist enters abroad, if the network of the chinese payment clearing organization to which his own bank card belongs does not cover the country, the chinese bank card he holds cannot make payment abroad. Particularly for short-term tourists, a convenient cross-network transaction method is urgently needed.
Disclosure of Invention
The problems of the prior art described above are addressed. The embodiment of the application provides a cross-network transaction method, a cross-network transaction system and a computer-readable storage medium. The problem can be solved by using the cross-network transaction method and the cross-network transaction system.
The following schemes are provided in the examples of the present application.
An embodiment of the present application provides a cross-network transaction method, including:
acquiring an account binding application, wherein the account binding application comprises account information, and the account information is used for transaction in a first network;
generating a transaction mark used in a second network according to the account binding application, and binding the transaction mark and the account information;
acquiring a transaction application initiated in the second network, and processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information;
processing the transaction intermediate information using the transaction token to obtain a transaction result corresponding to the transaction application in the second network
In some possible embodiments, the initiating manner of the transaction application includes: generating a two-dimensional code according to the transaction mark so that the transaction equipment can use the two-dimensional code to initiate the transaction application; or initiating the transaction application according to the two-dimensional code and the transaction mark.
In some of the possible embodiments of the present invention,
the transaction mark is associated with balance information, and the transaction application comprises a first amount of balance reduction of the transaction mark;
processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information, wherein the transaction intermediate information comprises:
converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network;
the processed transaction application is to acquire the second amount from the account corresponding to the account information, and the transaction intermediate information is the second amount.
In some of the possible embodiments of the present invention,
processing the transaction intermediate information by using the transaction mark to obtain a transaction result corresponding to the transaction application in the second network, including:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application;
the transaction results include: and subtracting the first amount from the balance information corresponding to the transaction mark.
In some possible embodiments, the method further includes verifying the account binding application, including at least one of the following:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
In some possible embodiments, the method further comprises: setting at least one of the following transaction control parameters:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
In some possible embodiments, the first network and the second network are different payment clearing networks.
An embodiment of the present application provides a cross-network transaction system, including:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring an account binding application, the account binding application comprises account information, and the account information is used for transaction in a first network;
the binding module is used for generating a transaction mark used in a second network according to the account binding application and binding the transaction mark with the account information;
the first network transaction module is used for acquiring a transaction application initiated in the second network, and processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information;
and the second network transaction module is used for processing the transaction intermediate information by using the transaction mark so as to obtain a transaction result corresponding to the transaction application in the second network.
In some possible embodiments, the initiating manner of the transaction application includes: generating a two-dimensional code according to the transaction mark so that the transaction equipment can use the two-dimensional code to initiate the transaction application; or initiating the transaction application according to the two-dimensional code and the transaction mark.
In some of the possible embodiments of the present invention,
the transaction mark is associated with balance information, and the transaction application comprises a first amount of balance reduction of the transaction mark;
the first network transaction module is specifically configured to: and converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network.
In some possible embodiments, the second network transaction module is specifically configured to:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
and subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application.
In some possible embodiments, the system further includes a verification module, configured to verify the account binding application by using at least one of the following verification methods:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
In some possible embodiments, the system further comprises an transaction control module for setting at least one of the following transaction control parameters:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
In some possible embodiments, the first network and the second network are different payment clearing networks.
An embodiment of the present application provides a cross-network transaction system, including: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to cause the at least one processor to perform: the cross-network transaction method described above.
An embodiment of the present application provides a computer-readable storage medium storing a program that, when executed by a processor, causes the processor to perform: the cross-network transaction method described above.
The embodiment of the application adopts at least one technical scheme which can achieve the following beneficial effects: according to the account binding application, the association between the transaction mark in the second network and the account in the first website is realized. The transaction result obtained by the operation of the transaction application on the account in the first network can be fed back to the transaction mark, so that the transaction is completed in the second network according to the feedback obtained by the transaction mark. When the account owner reaches the area uncovered by the first network, if the transaction needs to be carried out in the area, and the area is covered by the second network, the account owner can apply for the transaction mark in the second network and is associated with the account information of the account owner in the first network, namely, the transaction in the second network can be carried out by means of the transaction mark.
It should be understood that the above description is only an overview of the technical solutions of the present application, so as to enable the technical solutions of the present application to be more clearly understood, and thus can be implemented according to the content of the description. In order to make the aforementioned and other objects, features and advantages of the present application more comprehensible, embodiments of the present application are described below.
Drawings
The advantages and benefits described herein, as well as other advantages and benefits, will be apparent to those of ordinary skill in the art upon reading the following detailed description of the exemplary embodiments. The drawings are only for purposes of illustrating exemplary embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like elements throughout. In the drawings:
fig. 1 is a schematic flow diagram of a cross-network transaction method according to an embodiment of the present application;
FIG. 2 is a business flow diagram of one example of a cross-network transaction method shown in FIG. 1;
FIG. 3 is a schematic structural diagram of a cross-network transaction system according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a cross-network transaction system according to another embodiment of the present application.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts.
Detailed Description
Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
In this application, it is to be understood that terms such as "including" or "having" are intended to indicate the presence of the disclosed features, numbers, steps, acts, components, parts, or combinations thereof, and are not intended to preclude the presence or addition of one or more other features, numbers, steps, acts, components, parts, or combinations thereof.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Fig. 1 is a flow diagram of a cross-network transaction method for enabling an account owner in one network to effect a transaction in another network without registering a new account with the other network and without charging an amount (e.g., such as funds) to the newly registered account, according to an embodiment of the application.
The flow in fig. 1 may include the following steps.
103, generating a transaction mark used in a second network according to the account binding application, and binding the transaction mark and the account information;
and 105, acquiring a transaction application initiated in the second network, and processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information.
And 106, processing the transaction intermediate information by using the transaction mark to obtain a transaction result corresponding to the transaction application in the second network.
In this flow, from a device perspective, the executing entity may be one or more electronic devices (referred to herein as a cross-network payment system); from the program perspective, the execution main body may accordingly be a program loaded on these electronic devices.
The electronic device is mounted thereon, for example
The mobile terminal comprises a mobile phone bank APP and third party payment software. Equivalently, the system formed by the APPs on the mobile terminal and the background server thereof together completes the following cross-network transaction method. Of courseIn some instances, these backend servers are responsible for the execution of these steps.
Of course, the execution main body may be a mobile terminal (or a fixed terminal such as a teller machine placed in a business hall thereof) mounted with a mobile phone APP issued by an independent card issuing institution and a background server cooperating with the mobile terminal. The transaction indicia generated by the independent card issuing institution may be the same as the bank card number
Is bound. At this time, for
In other words, the transaction token is equivalent to a bank card number.
The first network is for example a payment and clearing network outside china and the second network is for example a payment and clearing network inside china. Of course, two other networks that do not communicate with each other, such as two other non-communicating stock exchange networks, are also possible. In the following, the first network and the second network are taken as different payment clearing networks for illustration.
In one example, the account owner already has an account, such as a bank card, in a payment clearing network outside of the first network, china. The account information may include a bank card number, an expiration date, and a card verification code. The account information may further include at least one item of user information of the cardholder's nationality, name, gender, certificate type, certificate number, and mobile phone number.
An account owner may issue an account binding application to a cross-network transaction system, such as a device of a mobile terminal, and the cross-network transaction system generates a transaction token according to the account binding application. A transaction token may be used in a payment clearing network in a second network, i.e., china, the transaction token being associated with an account of the account owner in the first network. The role of the transaction token in the first network is equivalent to the role of an account, and the transaction token is provided with credit information, and the credit in the credit information can be used for transaction in the second network. The transaction token does not have to be stored in advance.
After the application work of the transaction token is completed, the front-end APP can display the application acceptance result to the account holder. If the front-end APP is such as a third-party payment APP, the third-party payment APPs are bound with the payment mark, and the transaction in the second network is executed according to the transaction flow like a bank card in the third-party payment APP bound.
The cross-network transaction system allows the operation of the transaction token in the second network to be converted into the same nature of the operation in the first network on the account identified by the corresponding account information. The cross-network transaction system then proceeds to complete the transaction conducted in the second network based on the transaction intermediate information of the transaction conducted in the first network. The transaction token corresponds to an account in the second network, which may or may not have stored value capability, and is used to complete transactions conducted over the second network according to the transaction rules of the second network. The account information corresponding to the transaction token still functions to complete the transaction in the first network according to the transaction rules of the first network. As a cross-network payment system, it functions to link transactions in two networks.
If the transaction application is to decrement the transaction token and the reduced amount is transferred to another transaction account in the second network, the cross-network transaction system can acquire the required amount from the first network through the account information corresponding to the transaction token and then provide the amount acquired from the first network to the another transaction account in the second network.
If the transaction application is to add an amount to the transaction token, which is provided by another transaction device in the second network (to which one or more transaction accounts are bound), the cross-network transaction system may provide the amount obtained from the second network to the corresponding account in the first network through the transaction token (which may also be temporarily under the name of the transaction token).
When the account owner arrives at an area uncovered by the first network, if a transaction needs to be carried out in the area (for example, the transaction needs to be carried out on the other person or the fund of the other person is received), and the area is covered by the second network, the account owner can apply a transaction mark in the second network and is associated with the account (for example, a bank card) in the first network, and then the payment or the collection in the second network can be realized by the transaction mark.
Taking the payment clearing network as an example, for the second network, the role of the cross-network transaction system is as an issuer, for other devices in the second network, the transaction token is equivalent to the role of a common bank card number in the network, and transactions conducted in the second network are conducted according to the transaction rules of the second network. For the first network, the role of the cross-network transaction system is that of a merchant, and the transaction is carried out according to the rules of the first network. Therefore, the cross-network transaction is realized by taking the cross-network transaction system as a link, which obeys both the transaction rules of the first network and the transaction rules of the second network. When the account owner carries out transaction in the second network, the transaction in the second network can be realized by associating the transaction mark used in the second network with the account information in the first network through the cross-network transaction system without independently opening the account or recharging the account.
By adopting the cross-network transaction method provided by the embodiment of the application, the account holder can conveniently perform transactions in a plurality of non-intercommunicated networks, the user operation is simple and convenient, and the user experience is improved.
Based on the cross-network transaction method of fig. 1, some embodiments of the present application also provide some specific embodiments and extensions of the cross-network transaction method, which are described below.
In some possible embodiments, a two-dimensional code is generated according to the transaction mark, so that a transaction device can initiate the transaction application by using the two-dimensional code; or initiating the transaction application according to the two-dimensional code and the transaction mark.
In one example, the account owner generates a payment two-dimensional code from the transaction token using a mobile banking APP, so that a transaction device (e.g., a smart phone, a tablet, a code scanning gun, etc. held by another party to the transaction) scans the payment two-dimensional code to initiate a transaction application for receiving the transaction token.
In another example, the account owner uses the mobile banking APP to generate a two-dimensional collection code according to the transaction mark, so that a transaction device scans the two-dimensional collection code to initiate a transaction application for paying the transaction mark.
In another example, an account owner scans a two-dimensional collection code shown by another transaction device by using a third-party payment APP carried on a smart phone of the account owner, so as to initiate a transaction application for making payment to an account corresponding to the two-dimensional collection code.
The method can realize that overseas people do not handle the Chinese bank card in China and experience mobile payment in China.
In some of the possible embodiments of the present invention,
the transaction mark is associated with balance information, and the transaction application comprises a first amount of balance reduction of the transaction mark;
processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information, wherein the transaction intermediate information comprises:
converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network;
the processed transaction application is to acquire the second amount from the account corresponding to the account information, and the transaction intermediate information is the second amount.
Namely, the cross-network transaction system needs to subtract a first amount from the transaction mark, and then, the account of the account information identifier corresponding to the transaction mark is subtracted by a second amount, so that the cross-network transaction system obtains the second amount from the first network.
The units of value of the first and second amounts may be the same or different, and the values of the first and second amounts may or may not be equal, with rules for conversion being defined by the cross-network transaction system.
For example, the transaction application is to debit 14 RMB from the transaction token and pay a merchant. The first amount is then 14 yuan. Since the account owner's account is a U.S. transacted bank card that counts in U.S. dollars, the 14-dollar RMB is converted to U.S. dollars 2, the second amount being $ 2. The above assumes that the exchange rate of dollars to RMB is 1:7, i.e., 1 dollar is exchanged for 7-element RMB. I.e. the conversion of the first amount to the second amount needs to follow the current exchange rate. It should be noted that the first amount and the second amount may be equal, the value of the second amount may be higher than the first amount, and the higher value may be used as a commission for the service.
In some possible embodiments, the processing the transaction intermediate information using the transaction token to obtain a transaction result corresponding to the transaction application in the second network includes:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application;
the transaction results include: and subtracting the first amount from the balance information corresponding to the transaction mark.
The second amount is obtained from the first network by the cross-network transaction system and converted to a third amount in the second network, so that the third amount available in the second network is obtained across the cross-network transaction system, and the third amount is assigned to the transaction token, so that the first amount can be deducted from the third amount and provided to the other party to the transaction. I.e. the transaction token provides the first amount in the second network to the merchant in said second network.
Following the previous example, the cross-network transaction system obtains $ 2 (the second amount) and then converts to 14-element moneys (the third amount) available in the second network, incorporates the 14-element moneys into the balance corresponding to the transaction token, and then pays the 14-element moneys to another party to the transaction (e.g., a merchant who collects the money).
It should be noted that the act of decrementing the transaction token by the first amount may be performed after incrementing the transaction token by the third amount. If the risk is controlled, the act of decrementing the transaction token by the first amount may be performed before incrementing the transaction token by the third amount in order to increase the efficiency of payment and reduce latency.
In some possible embodiments, the method further includes step 102, verifying the account binding application, including at least one of the following verification methods:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
For example, the user information in the account information is verified for entry and exit information, thereby verifying the identity of the account owner.
After the pre-authorization transaction is initiated across the network transaction system, a certain amount of fund payment commitment can be obtained for the account information from the first network, thereby ensuring that the account information provided by the account owner is real and effective. A similar operation may also be to initiate a consumption transaction within the first network according to the account information across network transaction systems. That is, the cross-network transaction system collects money to the account corresponding to the account information in the first network on the name of the merchant.
In this manner, transaction risk across network transactions may be reduced.
In some possible embodiments, the method further includes step 104 of setting transaction control parameters. For example, at least one of the following transaction control parameters is set:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
Specific transaction control methods include, for example: one transaction party supporting the cross-network transaction method arranged in the second network is a civil merchant; setting the transaction type supported in the second network as a consumption service, and forbidding transfer and cash withdrawal services; setting the total consumption number within the second network not to exceed 100 times or the single-day consumption number not to exceed 20 times (taking the transaction type as the individual consumption for example); the total consumption amount in the second network is not more than 100,000 yuan or the single-day consumption amount is not more than 10,000 yuan (the transaction type is limited to individual consumption for example).
Thus, the transaction risk can be reduced.
Further, for the cross-network transaction system, suspicious consumption transactions can be identified and intercepted, and the specific identification and interception algorithm is not limited in the application.
Referring to fig. 2, a complete transaction flow is described as an example of a foreign account owner entering china for mobile payment. In the example shown in fig. 2, the cross-network transaction system is embodied as a cross-network payment system. The corresponding cross-network transaction method is specifically a cross-network payment method.
Account owner is in
And registering the user on the mobile phone bank or the third-party payment software and logging in the APP. The account owner may then be at
And binding the bank card issued by the first payment clearing organization, and applying for opening the transaction marking service in the second payment clearing network.
The application process specifically comprises the following steps: account owner is in
The application interface of the system confirms the service agreement and fills in user information (such as nationality, gender, name, certificate type, certificate number, mobile phone number) andproviding bank card information (such as card number, validity period, card verification code CVN, etc.) to the bank card
After the binding is completed,
and displaying the application opening result to the account owner, and paying in the account according to the transaction mark. A payment two-dimensional code may be generated, for example, based on the transaction token.
The account owner issues two-dimension code transaction on line, and the transaction sequentially passes through domestic merchant and corresponding acquiring organization in domestic second payment clearing network,
Switching, and sending to the transaction flow according to the standard two-dimensional code
And (4) a server. And the domestic part accepts the standard two-dimensional code of the second payment clearing network generated according to the transaction mark and follows the use standard and the flow of the two-dimensional code of the second payment clearing network.
Finally, the process is carried out in a batch,
and responding the payment result to the single merchant in the border through the second payment clearing network and displaying the payment result to the account owner.
Based on the same technical concept, an embodiment of the present application further provides a cross-network transaction system, configured to execute the cross-network transaction method provided in any of the embodiments. Fig. 3 is a schematic structural diagram of a cross-network transaction system according to an embodiment of the present application.
As shown in fig. 3, the cross-network transaction system includes:
an obtaining module 201, configured to obtain an account binding application, where the account binding application includes account information, and the account information is used for performing a transaction in a first network;
a binding module 202, configured to generate a transaction token for use in a second network according to the account binding application, and bind the transaction token and the account information;
the first network transaction module 203 is configured to acquire a transaction application initiated in the second network, and process the transaction application by using the transaction tag, so that a transaction is performed in the first network by using the processed transaction application and the account information to obtain transaction intermediate information;
the second network transaction module 204 is configured to process the transaction intermediate information by using the transaction token, so as to obtain a transaction result corresponding to the transaction application in the second network.
In some possible embodiments, the initiating manner of the transaction application includes: generating a two-dimensional code according to the transaction mark so that a transaction device can initiate the transaction application according to the two-dimensional code; or initiating the transaction application according to the two-dimensional code and the transaction mark.
In some of the possible embodiments of the present invention,
the transaction mark is associated with balance information, and the transaction application comprises a first amount of balance reduction of the transaction mark;
the first network transaction module is specifically configured to: and converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network.
In some possible embodiments, the second network transaction module is specifically configured to:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
and subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application.
In some possible embodiments, the system further includes a verification module 205, configured to verify the account binding application by using at least one of the following verification methods:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
In some possible embodiments, an transaction control module 206 is further included for setting at least one of the following transaction control parameters:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
In particular, the first network and the second network are different payment clearing networks.
It should be noted that the apparatus in the embodiment of the present application may implement each process of the foregoing method embodiment, and achieve the same effect and function, which are not described herein again.
Fig. 4 is a cross-network transaction system according to an embodiment of the present application, configured to execute the cross-network transaction method shown in fig. 1, where the apparatus includes: at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to cause the at least one processor to perform: the cross-network transaction method described above. According to some embodiments of the present application, there is provided a non-transitory computer storage medium having stored thereon computer-executable instructions configured to, when executed by a processor, perform: the cross-network transaction method described above.
The embodiments in the present application are described in a progressive manner, and the same and similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system and computer-readable storage medium embodiments are simplified in that they are substantially similar to the method embodiments, and reference may be made to some descriptions of the method embodiments for their relevance.
The system and the computer-readable storage medium provided in the embodiment of the present application correspond to the method one to one, and therefore, the system and the computer-readable storage medium also have similar beneficial technical effects to the corresponding method.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, systems, and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a system includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. Further, while the operations of the methods of the present application are depicted in the drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
While the spirit and principles of the application have been described with reference to several particular embodiments, it is to be understood that the application is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit from the description. The application is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (16)
1. A cross-network transaction method, comprising:
acquiring an account binding application, wherein the account binding application comprises account information, and the account information is used for transaction in a first network;
generating a transaction mark used in a second network according to the account binding application, and binding the transaction mark with the account information;
acquiring a transaction application initiated in the second network, and processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information;
and processing the transaction intermediate information by using the transaction mark so as to obtain a transaction result corresponding to the transaction application in the second network.
2. The method of claim 1, wherein the initiating of the transaction application comprises:
generating a two-dimensional code according to the transaction mark so that the transaction equipment can use the two-dimensional code to initiate the transaction application; or initiating the transaction application according to the two-dimensional code and the transaction mark.
3. The method of claim 1, wherein the transaction token is associated with balance information, and wherein the transaction application includes decrementing the balance of the transaction token by a first amount;
processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information, wherein the transaction intermediate information comprises:
converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network;
the processed transaction application is to acquire the second amount from the account corresponding to the account information, and the transaction intermediate information is the second amount.
4. The method of claim 3, wherein processing the transaction intermediate information using the transaction token to obtain a transaction result corresponding to the transaction application in the second network comprises:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application;
the transaction results include: and subtracting the first amount from the balance information corresponding to the transaction mark.
5. The method of claim 1, further comprising verifying the account binding application, including at least one of:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
6. The method of claim 1, further comprising: setting at least one of the following transaction control parameters:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
7. The method of claim 1, wherein the first network and the second network are different payment clearing networks.
8. A cross-network transaction system, comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring an account binding application, the account binding application comprises account information, and the account information is used for transaction in a first network;
the binding module is used for generating a transaction mark used in a second network according to the account binding application and binding the transaction mark with the account information;
the first network transaction module is used for acquiring a transaction application initiated in the second network, and processing the transaction application by using the transaction mark so as to perform transaction by using the processed transaction application and the account information in the first network to obtain transaction intermediate information;
and the second network transaction module is used for processing the transaction intermediate information by using the transaction mark so as to obtain a transaction result corresponding to the transaction application in the second network.
9. The system of claim 8, wherein the initiation of the transaction application comprises:
generating a two-dimensional code according to the transaction mark so that the transaction equipment can use the two-dimensional code to initiate the transaction application; or initiating the transaction application according to the two-dimensional code and the transaction mark.
10. The system of claim 8, wherein the transaction token is associated with balance information, and wherein the transaction application includes decrementing the balance of the transaction token by a first amount;
the first network transaction module is specifically configured to: and converting the first amount into a second amount corresponding to the first network by using the transaction mark so as to acquire the second amount from an account corresponding to the account information in the first network.
11. The system of claim 10, wherein the second network transaction module is specifically configured to:
converting the second amount to a third amount corresponding to the second network using the transaction token, the third amount being greater than or equal to the first amount, to add the third amount to balance information corresponding to the transaction token in the second network;
and subtracting the first amount from balance information corresponding to the transaction mark according to the transaction application.
12. The system of claim 8, further comprising a verification module configured to verify the account binding application by at least one of:
performing information verification according to user information in the account information, wherein the account information comprises the user information;
and initiating a pre-authorization transaction in the first network according to the account information.
13. The system of claim 8, further comprising an transaction control module configured to set at least one of the following transaction control parameters:
a transaction object type set in the second network;
a transaction type set at the second network;
setting the total transaction times and/or the single-day transaction times of the second network;
setting a total transaction amount and/or a single day transaction amount at the second network.
14. The system of claim 8, wherein the first network and the second network are different payment clearing networks.
15. A cross-network transaction system, comprising:
at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to cause the at least one processor to perform: the cross-network transaction method according to any one of claims 1 to 7.
16. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a program that, when executed by a processor, causes the processor to perform: the cross-network transaction method according to any one of claims 1 to 7.
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