CN102930469A - Transfer data processing method and device - Google Patents
Transfer data processing method and device Download PDFInfo
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- CN102930469A CN102930469A CN201210452765XA CN201210452765A CN102930469A CN 102930469 A CN102930469 A CN 102930469A CN 201210452765X A CN201210452765X A CN 201210452765XA CN 201210452765 A CN201210452765 A CN 201210452765A CN 102930469 A CN102930469 A CN 102930469A
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Abstract
The invention provides a transfer data processing method and a device. The method includes that transfer trade information transmitted by a user side is received, the transfer trade information comprises player information, payee information and transfer amount, according to the player information and the transfer amount in the transfer trade information, fund corresponding to the transfer amount of a player is frozen, and a payee is informed according to the player information. According to received collection information returned by the payee, and the frozen fund corresponding to the transfer amount is processed. The transfer data processing method and the device can achieve the fact an account number of a bank which does not open mobile banking business can conduct account-transfer and interbank-transfer, and the controllability for transfer transaction of the payee is improved.
Description
Technical field
The present invention relates to data processing technique, relate in particular to a kind of data processing method and device of transferring accounts.
Background technology
Along with popularizing of the mobile communication equipments such as smart mobile phone, Mobile banking is widely used with advantages such as its convenient and efficients.Mobile banking is that the banking of releasing after Web bank and telephone bank is handled mode, with phone number and Bank Account Number binding, come handling bank business by mobile communications network, be the user signatory open Mobile banking after, by being installed in the client on the mobile phone or logging in Mobile banking by browser, can handle inquiry, transfer accounts, the banking such as remittance, realized transacting business whenever and wherever possible, improved the efficient that banking is handled.
At present, the data handling procedure of transferring accounts of Mobile banking's transferred account service is that bank server is when receiving the money transfer transactions message that paying party sends by cell-phone customer terminal, money transfer transactions message comprises: beneficiary name, account, the information such as the amount of money and trading password of transferring accounts of paying party input, this money transfer transactions message is identified and verified, and judge whether shroff account number is the one's own profession account and has opened mobile banking service, if, then change fund corresponding to the amount of money of transferring accounts in the paying party account over to shroff account number immediately, if not, then refusal is carried out this money transfer transactions.
Because in Mobile banking's money transfer transactions process, bank server can only identify one's own profession and open the account of mobile banking service, can the account of mobile banking service or other Bank Account Numbers data of transferring accounts be opened in one's own profession and processed, the shroff account number scope is narrower.In addition, for the existing Mobile banking data processing method of transferring accounts, shroff account number is the passive money transfer transactions of accepting, and can not this money transfer transactions be controlled, so that the money transfer transactions controllability is relatively poor.
Summary of the invention
The present invention proposes a kind of data processing method and device of transferring accounts, be used for to solve prior art transfer accounts data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.
The embodiment of the invention provides a kind of data processing method of transferring accounts, and comprising:
Receive the money transfer transactions message that client is initiated, described money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts;
According to the described paying party information in the described money transfer transactions message and the amount of money of transferring accounts, fund corresponding to the described amount of money of transferring accounts in the side of suspending payment, and according to described beneficiary information notice beneficiary;
According to the gathering message that the described beneficiary that receives returns, fund corresponding to the described amount of money of transferring accounts of freezing processed.
The embodiment of the invention provides a kind of data processing equipment of transferring accounts, and comprising:
Money transfer transactions message sink module is used for receiving the money transfer transactions message that client is initiated, and described money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts;
The money transfer transactions message processing module is used for according to the described paying party information of described money transfer transactions message and the amount of money of transferring accounts, fund corresponding to the described amount of money of transferring accounts in the side of suspending payment, and according to described beneficiary information notice beneficiary;
The gathering message processing module for the gathering message of returning according to the described beneficiary that receives, is processed fund corresponding to the described amount of money of transferring accounts of freezing.
The money transfer transactions message that the technical scheme of the embodiment of the invention is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.
Description of drawings
The process flow diagram of the data processing method of transferring accounts that Fig. 1 provides for the embodiment of the invention one;
The process flow diagram of cashing method in the data processing method of transferring accounts that Fig. 2 provides for the embodiment of the invention two;
Process flow diagram by the operator attendance cashing method in the data processing method of transferring accounts that Fig. 3 provides for the embodiment of the invention three;
The process flow diagram of the data processing method of transferring accounts that Fig. 4 provides for the embodiment of the invention four;
The structural representation of the data processing equipment of transferring accounts that Fig. 5 provides for the embodiment of the invention five;
The structural representation of the gathering message processing module in the data processing equipment of transferring accounts that Fig. 6 provides for the embodiment of the invention six;
The structural representation of the operator attendance gathering message sink module in the data processing equipment of transferring accounts that Fig. 7 provides for the embodiment of the invention seven.
Embodiment
Embodiment one
The process flow diagram of the data processing method of transferring accounts that Fig. 1 provides for the embodiment of the invention one.The method can be carried out by bank server, can realize by the mode of software/hardware.As shown in Figure 1, this data processing method of transferring accounts can comprise:
Client is the software that bank comes transacting business to develop for the client by Mobile banking, and the client can select corresponding client software according to the operating system that smart mobile phone adopts, and is installed on the mobile phone.The client can open in the bank agency mobile banking service or the mode such as register voluntarily by client and open mobile banking service, sets account and trading password that mobile banking service is opened, and with client's phone number binding.Client is carried out information interaction by communication network and the bank server that cell phone network operator provides, can at first initiate network connecting request to bank server for: client, accounts information and the password that can comprise client's mobile banking service in this connection request, when server receives this connection request, accounts information and password are verified, if checking is passed through, then set up the task that is connected with client, control the data interaction between client and the bank server.
After bank server and client are set up network connection, the process that bank server receives before the money transfer transactions message that client initiates can be selected the cell-phone number function of transferring accounts by client for: paying party, specify the payment account, name and the cell-phone number of input beneficiary, input the transfer accounts amount of money and trading password, finish the input of transfer transaction information, client then sends money transfer transactions message to bank server.Bank server receives the money transfer transactions message that client sends, this money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts, wherein paying party information can be above-mentioned paying party client's name, and beneficiary information can be name and the cell-phone number of above-mentioned paying party client by the beneficiary of client input.
Bank server is according to the paying party information in the money transfer transactions message that receives and the amount of money of transferring accounts, with this money transfer transactions Message Record and be stored in the database of bank server, and the fund setting that the amount of money of transferring accounts in the paying party destiny account is corresponding freezes sign, can not carry out enchashment or the operation such as transfer accounts again so that paying party is removed in this fund to it before freezing.Bank server is according to the beneficiary cell-phone number in the beneficiary information that receives, advice of collection message can be sent to the beneficiary mobile phone with the note form, and this advice of collection message can comprise the paying party name, the amount of money of transferring accounts, transfer accounts date and gathering mode etc.
In the such scheme, bank server freeze the to transfer accounts data processing method of fund corresponding to the amount of money can be disposal route well known to those skilled in the art, can be set up on their own by the technician, and the present embodiment is not construed as limiting this.Bank server is sent to advice of collection message the data processing method of beneficiary mobile phone with the note form, also can be disposal route well known to those skilled in the art, for example message extraction method, short message editing method and according to and cell phone network operator between agreement send the method for note, can be disposal route known by the technical staff in the prior art.
On the basis of step 102, bank server will be collected money behind the message informing beneficiary, wait for that then beneficiary returns gathering message.During gathering message that the beneficiary that receives when bank server returns, identification is also extracted the data segment that has gathering mode, collection amount or shroff account number sign in the gathering message, change the unit that the corresponding data section is processed over to, freeze to process so that fund corresponding to the amount of money of transferring accounts of freezing removed, finish money transfer transactions according to the indication of gathering message.Gathering message is not limited to return to bank server by Mobile banking's client in this scheme, also can return by operator attendance or other modes.Bank server identifies shroff account number according to gathering message, judge whether this shroff account number is one's own profession account or other Bank Account Numbers, if one's own profession account, then can directly all change it over to shroff account number, finish money transfer transactions, if other Bank Account Numbers, then according to the capital transfer agreement of other banks agreement, carry out alternately this fund being changed in the shroff account number with this bank server.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.Simultaneously, can not comprise shroff account number because bank server receives in the money transfer transactions message that paying party initiates, avoid the money transfer transactions failure that causes because of the account input error, improve the efficient of transferring accounts, also protect to a certain extent the privacy of beneficiary.
Preferably, on the basis of technique scheme, in the step 101, bank server receives before the money transfer transactions message of client initiation, paying party is selected the cell-phone number function of transferring accounts by client, the cell-phone number of typing beneficiary, this mode also can obtain to read for client software the authority of paying party cell phone address book, paying party can directly be selected name and the cell-phone number of beneficiary from cell phone address book, client automatically identifies this name and cell-phone number sends to bank server as paying party information, the money transfer transactions failure of avoiding causing owing to the paying party input error has improved the efficient that transferred account service is handled.
Optionally, on the basis of technique scheme, in the step 102, bank server is according to the beneficiary cell-phone number in the beneficiary information that receives, can also be with phone, mail or other forms notice beneficiary with advice of collection message, this scheme specifically can be set according to the service form that bank provides, or the reception notification form of selecting in the agreement according to client and bank's signing is set, arrive beneficiary with timely notice, avoid beneficiary not receive transferring accounts the generation of notice situation, improved the efficient that transferred account service is handled.
Embodiment two
The process flow diagram of cashing method in the data processing method of transferring accounts that Fig. 2 provides for the embodiment of the invention two.The present embodiment is on the basis of above-described embodiment, further optimized the gathering message of returning according to the described beneficiary that receives in the data processing method of transferring accounts, fund corresponding to the described amount of money of transferring accounts of freezing processed, the method can be carried out by bank server, can realize by the mode of software/hardware.As shown in Figure 2, the method can comprise:
Bank server is identified the gathering message that the described beneficiary that receives returns, be specifically as follows bank server according to the agreement of gathering message generation, at first identify the identification data of different pieces of information section in the gathering message, extract data segment according to this identification data, and parse implication corresponding to each data segment, change corresponding processing module over to and process.For example: bank server identifies the identification data of data segment corresponding to gathering mode in the gathering message, this data segment is extracted, and the implication of resolving this data segment is all gatherings, part gathering or refusal gathering, change corresponding processing module over to, so that fund corresponding to the amount of money of transferring accounts of freezing processed.Wherein bank server can adopt recognition methods well known to those skilled in the art to the gathering message method identifying and resolve, can set concrete recognition methods according to the agreement of gathering message generation, repeats no more herein.
On the basis of step 201, the data segment implication that recognizes sign beneficiary formula in the gathering message when bank server is resolved described whole gathering message during for whole gatherings, obtains shroff account number.Determine whether one's own profession account or other Bank Account Numbers according to this shroff account number information, if one's own profession account, bank server is inquired about name corresponding to this shroff account number in the one's own profession database, judge that whether this name is consistent with the beneficiary name in the transfer transaction information that paying party provides, if consistent, then can directly all change it over to shroff account number, finish money transfer transactions, if inconsistent, show the beneficiary information inconsistency that this beneficiary information and paying party provide, then stop money transfer transactions; If other Bank Account Numbers, then according to the agreement of other banks agreement, carry out alternately with these other bank servers, so that these other bank servers are inquired about name corresponding to this shroff account number in he manages it database, judge whether this name is consistent with the beneficiary name in the transfer transaction information that paying party provides, if consistent, this fund is changed in the shroff account number, finish money transfer transactions, send money transfer transactions to bank server and finish message, if inconsistent, show the beneficiary information inconsistency that this beneficiary information and paying party provide, then stop money transfer transactions, send the money transfer transactions termination messages to bank server.
Bank server finish money transfer transactions or receive money transfer transactions that other bank servers send finish message or money transfer transactions termination messages after, money transfer transactions is finished message or the money transfer transactions termination messages is sent to the paying party mobile phone with the note form.The above-mentioned method that gathering message is resolved can adopt similar analytic method in the step 201, also can set according to method known by the technical staff, and the present embodiment is not construed as limiting this.Bank server and other bank servers carry out mutual mode can be the interactive mode of available technology adopting, and those skilled in the art according to a preconcerted arrangement agreement set interactive mode and interaction content, and the present embodiment is not construed as limiting this.
Similarly, on the basis of step 201, when the data segment implication that recognizes sign beneficiary formula in the gathering message when bank server is collected money for part, described part gathering message is resolved, obtain shroff account number and collection amount, this collection amount is less than the amount of money of transferring accounts.Determine whether one's own profession account or other Bank Account Numbers according to shroff account number information, if one's own profession account, bank server is inquired about name corresponding to this shroff account number in the one's own profession database, judge whether this name is consistent with the beneficiary name in the transfer transaction information that paying party provides, if consistent, then can be directly the fund that this collection amount is corresponding all change shroff account number over to, finish money transfer transactions, if inconsistent, show the beneficiary information inconsistency that this beneficiary information and paying party provide, then stop money transfer transactions; If other Bank Account Numbers, then according to the agreement of other banks agreement, carry out alternately with these other bank servers, so that these other bank servers are inquired about name corresponding to this shroff account number in he manages it database, judge whether this name is consistent with the beneficiary name in the transfer transaction information that paying party provides, if consistent, the fund that this collection amount is corresponding changes in the shroff account number, finish money transfer transactions, send money transfer transactions to bank server and finish message, if inconsistent, show the beneficiary information inconsistency that this beneficiary information and paying party provide, then stop money transfer transactions, send the money transfer transactions termination messages to bank server.
Bank server finish money transfer transactions or receive money transfer transactions that other bank servers send finish message or money transfer transactions termination messages after, money transfer transactions is finished message or the money transfer transactions termination messages is sent to the paying party mobile phone with the note form.The above-mentioned method that gathering message is resolved can adopt similar analytic method in the step 201, also can set according to method known by the technical staff, and the present embodiment is not construed as limiting this.
On the basis of step 201, the data segment implication of sign beneficiary formula is when refusing gathering, then to stop described money transfer transactions in the gathering message when bank server recognizes, and removes and freezes fund corresponding to the described amount of money of transferring accounts.After money transfer transactions stopped, bank server was sent to the paying party mobile phone with the message of beneficiary refusal gathering with the note form.The above-mentioned method that gathering message is resolved can adopt similar analytic method in the step 201, also can set according to method known by the technical staff, and the present embodiment is not construed as limiting this.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns, gathering message is identified, be all gatherings when identifying gathering message, when part gathering and refusal gathering, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, realized the account that mobile banking service is not opened in one's own profession is transferred accounts and inter-bank is transferred accounts, improved the controllability of beneficiary to money transfer transactions.Simultaneously; because shroff account number is that bank server gets access to from the gathering message that receives; therefore the money transfer transactions failure of having avoided paying party in the process of submitting money transfer transactions to, to cause because of the account input error; improve the efficient of transferring accounts, also protected to a certain extent the privacy of beneficiary.
Embodiment three
The present embodiment has further been optimized the process that receives gathering message in the data processing method of transferring accounts on the basis of above-described embodiment, the method can be carried out by bank server, can realize by the mode of software/hardware.Bank server receives the gathering message that described beneficiary returns and can comprise:
Step S1, bank server receive the gathering message that described beneficiary sends by described client; Or
Step S2, bank server receive the gathering instruction that described beneficiary returns by operator attendance, and produce described gathering message according to described gathering instruction.
Above-mentioned steps S1 is that bank server receives the gathering message that beneficiary sends by Mobile banking's client, namely this gathering message is to be sent by Mobile banking's client by the beneficiary that mobile banking service has been opened in one's own profession, beneficiary is connected to bank server by client, select all gatherings, part gathering or refusal gathering, if all gatherings, then beneficiary need be specified a shroff account number, and this shroff account number is the account that mobile banking service has been opened in one's own profession; If the part gathering, then beneficiary also will be inputted collection amount except specifying shroff account number, and this collection amount is less than the amount of money of transferring accounts of paying party appointment; If the refusal gathering, then beneficiary only need to be confirmed the refusal gathering.Client identifies beneficiary and really acknowledges receipt of money or confirm refusal gathering information, according to the protocol generation gathering message of bank server and client agreement, and sends to bank server.
Bank server receives the gathering message that client sends, at first need the protocol identification client identification according to the gathering message generation, to obtain beneficiary information, and from the database of bank server, inquire about the transfer transaction information that beneficiary will receive according to beneficiary information, according to transfer transaction information and gathering message money transfer is processed.
Among the above-mentioned steps S2, bank server receives the gathering instruction that beneficiary returns by operator attendance, i.e. this gathering instruction is the gathering instruction of being returned by operator attendance by beneficiary, and produces described gathering message according to this gathering instruction.Process flow diagram by the operator attendance cashing method in the data processing method of transferring accounts that Fig. 3 provides for the embodiment of the invention three.As shown in Figure 3, the method is specifically as follows:
In the process of beneficiary and operator attendance communication, the instruction that bank server returns according to interactive software Real-time Obtaining operator attendance, and identify gathering information according to the handle in the interactive software or Data Identification, concrete recognition method can be set according to the employed language of software programming by those skilled in the art, can adopt the attainable any mode of technician in the prior art, the present embodiment is not construed as limiting this.
Bank server identifies the beneficiary telephone number in the gathering instruction that operator attendance returns, it is beneficiary used telephone number when dialing operator attendance, bank server judges whether this telephone number is consistent with the beneficiary cell-phone number in the transfer transaction information that paying party provides, if consistent, then can think and can proceed the gathering operation to this beneficiary, if execution in step 305 is inconsistent, then execution in step 303, with continuation gathering information verified.
The bank server editor is with the checking note of identifying code, is sent to the beneficiary cell-phone number in the transfer transaction information that paying party provides, and waits for receiving the identifying code that beneficiary returns by operator attendance, continues execution in step 304.The mode of wherein verifying short message editing can adopt method well known to those skilled in the art.
Bank server receives the identifying code that beneficiary returns by operator attendance, judge whether the identifying code in the checking note that this identifying code and bank server send is consistent, when judging identifying code when consistent, think that then this beneficiary information is correct, can continue to carry out the gathering operation, execution in step 305, if inconsistent, replaceable identifying code then, again send the checking note, or beneficiary is reused beneficiary cell-phone number in the transfer transaction information that paying party provides and is dialed operator attendance and collect money, or adopt additive method well known to those skilled in the art to come beneficiary information is verified, technical scheme or mode well known to those skilled in the art that concrete executive mode and step can provide with reference to the present embodiment, the present embodiment is not construed as limiting this.
Fund corresponding to the described amount of money of transferring accounts freezed in step 305, releasing, and continues execution in step 306;
Bank server is removed the sign of freezing of fund data corresponding to the amount of money of transferring accounts frozen in the paying party account, remove and freeze this part fund so that paying party can be again to the operation such as withdraw the money or transfer accounts again of this part fund.
Bank server according to described gathering instruction according to pre-set agreement, produce gathering message, at least comprise gathering or the data such as refusal gathering zone bit, shroff account number information and collection amount in this gathering message, according to described gathering message fund corresponding to the described amount of money of transferring accounts of freezing processed.Wherein shroff account number information comprises account and the bank of deposit of beneficiary appointment, and bank server can be carried out gathering operation in the one's own profession according to the sign that comprises in this account information, or according to carrying out the inter-bank operation of transferring accounts with the agreement of other banks' agreements.The method of gathering message generation can adopt the mode of message generation in the prior art, and the present embodiment is not construed as limiting this.
In the present embodiment, bank server receives in the process of gathering message, both can initiate gathering message to bank server by client for the account of opening the one's own profession mobile banking service, also can initiate gathering message to bank server by operator attendance, not open the account of mobile banking service and the account of other banks can send the gathering instruction to bank server by operator attendance for one's own profession.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns by client or operator attendance, gathering message is identified, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.Simultaneously; because being bank server, shroff account number from receive gathering message, gets access to; therefore the money transfer transactions failure of having avoided paying party to cause because of the account input error in the process of submitting money transfer transactions to has improved the efficient of transferring accounts, and has also protected to a certain extent the privacy of beneficiary.
The beneficiary information of the required checking of technique scheme can be not limited to beneficiary name and beneficiary cell-phone number, also can identify the information of beneficiary identity for the checking effective identity certificate number of beneficiary or other.Process to the beneficiary Information Authentication also can adopt additive method, for example, bank server receives first paying party by the predefined one group of identifying code of client, then in the process of gathering, receive and identifying code that the checking beneficiary provides whether with paying party provide consistent, the identifying code that beneficiary provides can initiate to notify beneficiary in modes such as phone or mails after the money transfer transactions for paying party, to realize the checking to beneficiary information, the security that improves the money transfer transactions process.
Embodiment four
The process flow diagram of the data processing method of transferring accounts that Fig. 4 provides for the embodiment of the invention four.The present embodiment is on the basis of above-described embodiment, has further optimized the process that stops money transfer transactions in the data processing method of transferring accounts, and the method can be carried out by bank server, can realize by the mode of software/hardware.As shown in Figure 4, the method for bank server termination money transfer transactions can comprise:
Transfer transaction information is being notified beneficiary to receiving between the gathering message, when bank server receive paying party by client initiate cancel money transfer transactions message the time, identify this and cancel money transfer transactions message, and parsing obtains this money transfer transactions sign, be identified at according to this money transfer transactions and inquire about transfer transaction information in the database, eliminate the sign of freezing of the amount of money counter fund of transferring accounts in the paying party account, releasing fund corresponding to the amount of money of transferring accounts, so that paying party can carry out enchashment to this fund again or the operation such as transfer accounts again, stop described money transfer transactions, and the message that money transfer transactions is stopped is sent to the beneficiary mobile phone with the note form.
Bank server is after notifying beneficiary with transfer transaction information, start timer according to setting-up time, if reaching setting-up time does not receive yet gathering message or cancels money transfer transactions message, then inquire about transfer transaction information in the database according to being identified at of this timer, eliminate the sign of freezing of the amount of money counter fund of transferring accounts in the paying party account, releasing fund corresponding to the amount of money of freezing to transfer accounts, and the message that money transfer transactions is stopped is with short message mode notice beneficiary and/or paying party, so that paying party can carry out enchashment to this fund again or the operation such as transfer accounts again.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, when receive paying party by client initiate cancel money transfer transactions message the time or monitor when in setting-up time, not receiving described gathering message, then remove fund corresponding to the amount of money of freezing to transfer accounts, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.
The data processing method of transferring accounts that the embodiment of the invention provides is not only applicable to Mobile banking's client, be applicable to Web bank's client yet, has solved the problem that shroff account number can only the passive receive money transfer transactions, improves beneficiary to the controllability of money transfer transactions.Simultaneously; because being bank server, shroff account number from receive gathering message, gets access to; therefore the money transfer transactions failure of having avoided paying party to cause because of the account input error in the process of submitting money transfer transactions to has improved the efficient of transferring accounts, and has also protected to a certain extent the privacy of beneficiary.
Embodiment five
The structural representation of the data processing equipment of transferring accounts that Fig. 5 provides for the embodiment of the invention five.As shown in Figure 5, the data processing equipment of transferring accounts comprises: money transfer transactions message sink module 11, money transfer transactions message processing module 12 and gathering message processing module 13.
Wherein, account transaction message receiver module 11 is used for receiving the money transfer transactions message that client is initiated, and described money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts.Money transfer transactions message processing module 12 is used for according to the described paying party information of described money transfer transactions message and the amount of money of transferring accounts, fund corresponding to the described amount of money of transferring accounts in the side of suspending payment, and according to described beneficiary information notice beneficiary.Money transfer transactions message processing module 12 can comprise advice of collection message note transmitting element 121, the beneficiary cell-phone number that advice of collection message note transmitting element 121 is used for according to described beneficiary information is sent to the beneficiary mobile phone with advice of collection message with the note form.Gathering message processing module 13 is processed fund corresponding to the described amount of money of transferring accounts of freezing for the gathering message of returning according to the described beneficiary that receives.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.Simultaneously, can not comprise shroff account number because bank server receives in the money transfer transactions message that paying party initiates, avoid the money transfer transactions failure that causes because of the account input error, improve the efficient of transferring accounts, also protect to a certain extent the privacy of beneficiary.
The above-mentioned data processing equipment of transferring accounts can be carried out the method that any embodiment of the present invention provides, and possesses the corresponding functional module of manner of execution and beneficial effect.
Embodiment six
The structural representation of the gathering message processing module in the data processing equipment of transferring accounts that Fig. 6 provides for the embodiment of the invention six.As shown in Figure 6, gathering message processing module 13 comprises: gathering message recognition unit 131, all collect money message processing unit 132, part collect money message processing unit 133 and refusal gathering message processing unit 134.
Wherein, gathering message recognition unit 131 is used for the gathering message that the described beneficiary that receives returns is identified.All gathering message processing unit 132 is used for when recognizing described gathering message for whole gathering message, described whole gathering message are resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in described whole gathering message, if, then change fund corresponding to the described amount of money of transferring accounts over to described shroff account number, if not, then stop money transfer transactions.It is when partly collecting money message that the message processing unit 133 of partly collecting money is used for when recognizing described gathering message, described part gathering message is resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in the described part gathering message, if, then change fund corresponding to collection amount in the described part gathering message over to described shroff account number, if not, then stop described money transfer transactions.Refusal gathering message processing unit 134 is used for stopping described money transfer transactions when recognizing described gathering message for refusal gathering message, removes and freezes fund corresponding to the described amount of money of transferring accounts.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns, gathering message is identified, be all gatherings when identifying gathering message, when part gathering and refusal gathering, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, realized also can transferring accounts and inter-bank is transferred accounts to the account that mobile banking service is not opened in one's own profession, improved the controllability of beneficiary to money transfer transactions.Simultaneously; because shroff account number is that bank server gets access to from the gathering message that receives; therefore the money transfer transactions failure of having avoided paying party in the process of submitting money transfer transactions to, to cause because of the account input error; improve the efficient of transferring accounts, also protected to a certain extent the privacy of beneficiary.
The above-mentioned data processing equipment of transferring accounts can be carried out the method that any embodiment of the present invention provides, and possesses the corresponding functional module of manner of execution and beneficial effect.
Embodiment seven
On the basis of above-described embodiment, the data processing equipment of transferring accounts can also comprise: client gathering message sink module and operator attendance gathering message sink module.
Wherein, client gathering message sink module is used for receiving the gathering message that described beneficiary sends by described client.Operator attendance gathering message sink module is used for receiving the gathering instruction that described beneficiary returns by operator attendance, and produces described gathering message according to described gathering instruction.
The structural representation of the operator attendance gathering message sink module in the data processing equipment of transferring accounts that Fig. 7 provides for the embodiment of the invention seven.As shown in Figure 7, operator attendance gathering message sink module comprises: gathering instruction recognition unit 141, beneficiary cell-phone number judging unit 142, checking note transmitting element 143, short-message verification code judging unit 144, fund are removed and are freezed unit 145, gathering message generating unit 146.
Wherein, gathering instruction recognition unit 141 is used for receiving the gathering instruction that described beneficiary returns by described operator attendance and identifies.Beneficiary cell-phone number judging unit 142 is used for judging according to recognition result whether the telephone number that sends described gathering instruction is consistent with the described beneficiary cell-phone number in the described beneficiary information, if, then triggering fund is removed the operation of freezing unit 145, if not, then trigger the operation of checking note transmitting element 143.Checking note transmitting element 143 is used for sending the checking note to described beneficiary cell-phone number, and triggers the operation of short-message verification code judging unit 144 when receiving the short-message verification code that described beneficiary returns by operator attendance.Short-message verification code judging unit 144 is used for judging whether described beneficiary is consistent with the described checking note identifying code of transmission by the short-message verification code that operator attendance returns, if then triggering fund is removed the operation of freezing unit 145.The fund releasing is freezed unit 145 and is freezed fund corresponding to the described amount of money of transferring accounts for removing, and triggers the operation of gathering message generating unit 146.Gathering message generating unit 146 is used for producing described gathering message according to the shroff account number information of described gathering instruction, according to described gathering message fund corresponding to the described amount of money of transferring accounts of freezing processed.
The money transfer transactions message that the technical scheme of the present embodiment is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, after wait for receiving the gathering message that beneficiary returns by client or operator attendance, gathering message is identified, indication according to gathering message is processed the fund of freezing, finish money transfer transactions, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, and improves beneficiary to the controllability of money transfer transactions.Simultaneously; because being bank server, shroff account number from receive gathering message, gets access to; therefore the money transfer transactions failure of having avoided paying party to cause because of the account input error in the process of submitting money transfer transactions to has improved the efficient of transferring accounts, and has also protected to a certain extent the privacy of beneficiary.
On the basis of above-described embodiment, the data processing equipment of transferring accounts can also comprise: money transfer transactions stops module and money transfer transactions stops the SMS notification module.
Wherein, money transfer transactions stop module be used for when receive by described paying party by the client initiation cancel money transfer transactions message the time, fund corresponding to the described amount of money of transferring accounts freezed in releasing, stop described money transfer transactions, also be used for when monitoring when in setting-up time, not receiving described gathering message, fund corresponding to the described amount of money of transferring accounts freezed in releasing, stops described money transfer transactions.
Money transfer transactions stops the SMS notification module and is used for according to the paying party cell-phone number of described paying party information and the beneficiary cell-phone number in the beneficiary information, and the notification message that stops described money transfer transactions is sent to paying party mobile phone or described beneficiary mobile phone with the note form.
The money transfer transactions message that technique scheme is initiated by receiving client, according to fund corresponding in this money transfer transactions message side of suspending payment account, and notice beneficiary, when receive paying party by client initiate cancel money transfer transactions message the time or monitor when in setting-up time, not receiving described gathering message, then remove fund corresponding to the amount of money of freezing to transfer accounts, solved transfer accounts in the prior art data processing method for the shroff account number scope narrower, and shroff account number can only the passive receive money transfer transactions problem, the account that realization is not opened mobile banking service to one's own profession also can be transferred accounts and inter-bank is transferred accounts, strengthen beneficiary to the controllability of money transfer transactions, improved the efficient of money transfer transactions.
The above-mentioned data processing equipment of transferring accounts can be carried out the method that any embodiment of the present invention provides, and possesses the corresponding functional module of manner of execution and beneficial effect.
One of ordinary skill in the art will appreciate that: all or part of step that realizes above-mentioned each embodiment of the method can be finished by the relevant hardware of programmed instruction.Aforesaid program can be stored in the computer read/write memory medium.This program is carried out the step that comprises above-mentioned each embodiment of the method when carrying out; And aforesaid storage medium comprises: the various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above each embodiment is not intended to limit only in order to technical scheme of the present invention to be described; Although with reference to aforementioned each embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment puts down in writing, and perhaps some or all of technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the scope of various embodiments of the present invention technical scheme.
Claims (14)
1. the data processing method of transferring accounts is characterized in that, comprising:
Receive the money transfer transactions message that client is initiated, described money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts;
According to the described paying party information in the described money transfer transactions message and the amount of money of transferring accounts, fund corresponding to the described amount of money of transferring accounts in the side of suspending payment, and according to described beneficiary information notice beneficiary;
According to the gathering message that the described beneficiary that receives returns, fund corresponding to the described amount of money of transferring accounts of freezing processed.
2. the data processing method of transferring accounts according to claim 1 is characterized in that, comprises according to described beneficiary information notice beneficiary:
Beneficiary cell-phone number according in the described beneficiary information is sent to the beneficiary mobile phone with advice of collection message with the note form.
3. the data processing method of transferring accounts according to claim 2 is characterized in that, receives the gathering message that described beneficiary returns and comprises:
Receive the gathering message that described beneficiary sends by described client; Or
Receive the gathering instruction that described beneficiary returns by operator attendance, and produce described gathering message according to described gathering instruction.
4. the data processing method of transferring accounts according to claim 3 is characterized in that, the gathering message of returning according to the described beneficiary that receives is processed fund corresponding to the described amount of money of transferring accounts of freezing and to be comprised:
The gathering message that the described beneficiary that receives returns is identified;
When recognizing described gathering message for whole gathering message, described whole gathering message are resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in described whole gathering message, if, then change fund corresponding to the described amount of money of transferring accounts over to described shroff account number, if not, then stop money transfer transactions;
Be part when collecting money message when recognizing described gathering message, described part gathering message is resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in the described part gathering message, if, then change fund corresponding to collection amount in the described part gathering message over to described shroff account number, if not, then stop described money transfer transactions;
When recognizing described gathering message for refusal gathering message, stop described money transfer transactions, remove and freeze fund corresponding to the described amount of money of transferring accounts.
5. the data processing method of transferring accounts according to claim 4 is characterized in that, receives the gathering instruction that described beneficiary returns by operator attendance, and produces described gathering message according to described gathering instruction and comprise:
Steps A, receive the gathering instruction that described beneficiary returns by described operator attendance and identify;
Whether step B, the telephone number that judge to send in the described gathering instruction according to recognition result be consistent with the described beneficiary cell-phone number in the described beneficiary information, if, execution in step E then, if not, execution in step C then;
Step C, send the checking note to described beneficiary cell-phone number, and when receiving the short-message verification code that described beneficiary returns by operator attendance, continue execution in step D;
Step D, judge whether identifying code is consistent in the described checking note of short-message verification code that described beneficiary returns by operator attendance and transmission, if, execution in step E then;
Fund corresponding to the described amount of money of transferring accounts freezed in step e, releasing, and continues execution in step F;
Step F, produce described gathering message according to described gathering instruction, according to described gathering message fund corresponding to the described amount of money of transferring accounts of freezing processed.
6. the data processing method of transferring accounts according to claim 5 is characterized in that, also comprises:
When receive by described paying party by client initiate cancel money transfer transactions message the time, remove and freeze fund corresponding to the described amount of money of transferring accounts, stop described money transfer transactions;
When monitoring when in setting-up time, not receiving described gathering message, remove and freeze fund corresponding to the described amount of money of transferring accounts, stop described money transfer transactions.
7. arbitrary described data processing method of transferring accounts is characterized in that according to claim 4-6, after stopping described money transfer transactions, also comprises:
According to the paying party cell-phone number in the described paying party information and the beneficiary cell-phone number in the beneficiary information, the notification message of money transfer transactions termination is sent to mobile phone or the described beneficiary mobile phone of paying party with the note form.
8. the data processing equipment of transferring accounts is characterized in that, comprising:
Money transfer transactions message sink module is used for receiving the money transfer transactions message that client is initiated, and described money transfer transactions message comprises paying party information, beneficiary information and the amount of money of transferring accounts;
The money transfer transactions message processing module is used for according to the described paying party information of described money transfer transactions message and the amount of money of transferring accounts, fund corresponding to the described amount of money of transferring accounts in the side of suspending payment, and according to described beneficiary information notice beneficiary;
The gathering message processing module for the gathering message of returning according to the described beneficiary that receives, is processed fund corresponding to the described amount of money of transferring accounts of freezing.
9. the data processing equipment of transferring accounts according to claim 8 is characterized in that, described money transfer transactions message processing module comprises:
Advice of collection message note transmitting element is used for the beneficiary cell-phone number according to described beneficiary information, and advice of collection message is sent to the beneficiary mobile phone with the note form.
10. the data processing equipment of transferring accounts according to claim 9 is characterized in that, also comprises:
Client gathering message sink module is used for receiving the gathering message that described beneficiary sends by described client;
Operator attendance gathering message sink module is used for receiving the gathering instruction that described beneficiary returns by operator attendance, and produces described gathering message according to described gathering instruction.
11. the data processing equipment of transferring accounts according to claim 10 is characterized in that, described gathering message processing module comprises:
Gathering message recognition unit is used for the gathering message that the described beneficiary that receives returns is identified;
Whole gathering message processing units, be used for when recognizing described gathering message for whole gathering message, described whole gathering message are resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in described whole gathering message, if, then change fund corresponding to the described amount of money of transferring accounts over to described shroff account number, if not, then stop money transfer transactions;
The part message processing unit of collecting money, being used for when recognizing described gathering message is when partly collecting money message, described part gathering message is resolved, whether consistent with the beneficiary name in the described beneficiary information to judge name corresponding to shroff account number in the described part gathering message, if, then change fund corresponding to collection amount in the described part gathering message over to described shroff account number, if not, then stop described money transfer transactions;
Refusal gathering message processing unit is used for stopping described money transfer transactions when recognizing described gathering message for refusal gathering message, removes and freezes fund corresponding to the described amount of money of transferring accounts.
12. the data processing equipment of transferring accounts according to claim 11 is characterized in that, described operator attendance gathering message sink module comprises:
Gathering instruction recognition unit is used for receiving the gathering instruction that described beneficiary returns by described operator attendance and identifies;
Beneficiary cell-phone number judging unit, be used for judging according to recognition result whether the telephone number that sends described gathering instruction is consistent with the described beneficiary cell-phone number in the described beneficiary information, if, then triggering fund is removed the operation of freezing the unit, if not, then trigger the operation of checking note transmitting element;
Checking note transmitting element is used for sending the checking note to described beneficiary cell-phone number, and triggers the operation of short-message verification code judging unit when receiving the short-message verification code that described beneficiary returns by operator attendance;
Short-message verification code judging unit is used for judging whether described beneficiary is consistent with the described checking note identifying code of transmission by the short-message verification code that operator attendance returns, if then triggering fund is removed the operation of freezing the unit;
Fund is removed and is freezed the unit, is used for removing freezing fund corresponding to the described amount of money of transferring accounts, and triggers the operation of gathering message generating unit;
The gathering message generating unit is used for producing described gathering message according to described gathering instruction, according to described gathering message fund corresponding to the described amount of money of transferring accounts of freezing processed.
13. the data processing equipment of transferring accounts according to claim 12 is characterized in that, also comprises:
Money transfer transactions stops module, be used for when receive by described paying party by client initiate cancel money transfer transactions message the time, fund corresponding to the described amount of money of transferring accounts freezed in releasing, stops described money transfer transactions;
Money transfer transactions stops module, also is used for when monitoring when not receiving described gathering message in setting-up time, and fund corresponding to the described amount of money of transferring accounts freezed in releasing, stops described money transfer transactions.
14. arbitrary described data processing equipment of transferring accounts is characterized in that according to claim 11-13, also comprises:
Money transfer transactions stops the SMS notification module, be used for according to the paying party cell-phone number of described paying party information and the beneficiary cell-phone number in the beneficiary information, the notification message that stops described money transfer transactions is sent to paying party mobile phone or described beneficiary mobile phone with the note form.
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| CN201210452765XA CN102930469A (en) | 2012-11-13 | 2012-11-13 | Transfer data processing method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210452765XA CN102930469A (en) | 2012-11-13 | 2012-11-13 | Transfer data processing method and device |
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| CN102930469A true CN102930469A (en) | 2013-02-13 |
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| CN201210452765XA Pending CN102930469A (en) | 2012-11-13 | 2012-11-13 | Transfer data processing method and device |
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| CN112184239B (en) * | 2020-09-23 | 2023-10-27 | 支付宝（中国）网络技术有限公司 | Secure payment method, apparatus, device and readable medium |
| CN113222717A (en) * | 2021-06-09 | 2021-08-06 | 中国银行股份有限公司 | Fund substitute management service method and system based on block chain and 5G message |
| CN113421076A (en) * | 2021-06-22 | 2021-09-21 | 康键信息技术（深圳）有限公司 | Distributed transfer method, device, equipment and storage medium |
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Application publication date: 20130213 |