CN104899771A

CN104899771A - Account data transfer method and related device and system

Info

Publication number: CN104899771A
Application number: CN201410505195.5A
Authority: CN
Inventors: 陈华山
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2014-09-26
Filing date: 2014-09-26
Publication date: 2015-09-09
Anticipated expiration: 2034-09-26
Also published as: CN104899771B

Abstract

An embodiment of the invention discloses an account data transfer method and related device and system. The method comprises: user equipment generates order information which comprises a data transfer value and a data receiver identity; the user equipment reads a smart card account in a near-field communication manner; the user equipment generates data transfer information comprising the data transfer value, the data receiver identity and the smart card account; the user equipment responds to an input data transfer information sending instruction and sends the data transfer information to service equipment; the service equipment receives the data transfer information sent by the user equipment; the service equipment inquires a data receiver account matched with the data receiver identity which the data transfer information comprises; and the service equipment deducts the data transfer value from the smart card account and adds the data transfer value to the data receiver account. On-line payment efficiency can be effectively improved.

Description

A kind of account data transfer method and relevant device, system

Technical field

The present invention relates to Internet technical field, be specifically related to a kind of account data transfer method and relevant device, system.

Background technology

Along with the fast development of Internet technology, utilize the subscriber equipmenies such as smart mobile phone, panel computer, palm PC and mobile internet device (Mobile Internet Devices, MID) to carry out online shopping and become a kind of fashion, popular shopping way.And in actual applications, when user utilizes subscriber equipment to carry out online shopping, often need manually to input on a user device account information, to complete the online payment of online shopping.And find in practice, in the online payment process of above-mentioned online shopping, need manually to input account information, thus make online payment more loaded down with trivial details, thus reduce online payment efficiency.

Summary of the invention

The embodiment of the invention discloses a kind of account data transfer method and relevant device, system, can effectively improve online payment efficiency.

Embodiment of the present invention first aspect discloses a kind of account data transfer method, comprising:

Subscriber equipment is after generation sequence information, and read smart card account in near-field communication mode, described sequence information comprises data batchmove value and data receiver's identify label;

Described subscriber equipment generates the data transfer information comprising described data batchmove value, described data receiver's identify label and described smart card account;

The data transfer information of described user device responsive input sends instruction, sends described data transfer information to service equipment;

Data receiver's account that described data receiver's identify label that described service equipment inquiry and described data transfer information comprise matches;

Described service equipment deducts described data batchmove value from described smart card account, and described data batchmove value is added into described data receiver's account.

Embodiment of the present invention second aspect discloses a kind of account data transfer method, comprising:

The data transfer information of described user device responsive input sends instruction, described data transfer information is sent to service equipment, with the data receiver's account making described data receiver's identify label that described service equipment is inquired about and described data transfer information comprises match, and from described smart card account, deduct described data batchmove value by described service equipment and described data batchmove value is added into described data receiver's account.

The embodiment of the present invention third aspect discloses a kind of account data transfer method, comprising:

Described service equipment receives the data transfer information that subscriber equipment sends, wherein, described data transfer information is described subscriber equipment after generation comprises the sequence information of data batchmove value and data receiver's identify label, reads smart card account and the data transfer information comprising described data batchmove value, described data receiver's identify label and described smart card account that generates by described subscriber equipment in near-field communication mode;

Embodiment of the present invention fourth aspect discloses a kind of subscriber equipment, for performing account data transfer method, comprising:

Reading unit, after generating sequence information at described subscriber equipment, read smart card account in near-field communication mode, described sequence information comprises data batchmove value and data receiver's identify label;

Transinformation generation unit, for generating the data transfer information comprising described data batchmove value, described data receiver's identify label and described smart card account;

Transmitting element, data transfer information for responding input sends instruction, described data transfer information is sent to service equipment, with the data receiver's account making described data receiver's identify label that described service equipment is inquired about and described data transfer information comprises match, and from described smart card account, deduct described data batchmove value by described service equipment and described data batchmove value is added into described data receiver's account.

The embodiment of the present invention the 5th aspect discloses a kind of service equipment, for performing account data transfer method, comprising:

Receiving element, for receiving the data transfer information that subscriber equipment sends, wherein, described data transfer information is described subscriber equipment after generation comprises the sequence information of data batchmove value and data receiver's identify label, reads smart card account and the data transfer information comprising described data batchmove value, described data receiver's identify label and described smart card account that generates by described subscriber equipment in near-field communication mode;

Query unit, for inquiring about data receiver's account that described data receiver's identify label of comprising with described data transfer information matches;

Buanch unit, for deducting described data batchmove value from described smart card account, and is added into described data receiver's account by described data batchmove value.

The embodiment of the present invention the 6th aspect discloses a kind of account data transfer system, comprises subscriber equipment, smart card and service equipment:

Described subscriber equipment, for after generation sequence information, read the smart card account of described smart card in near-field communication mode, described sequence information comprises data batchmove value and data receiver's identify label;

Described subscriber equipment, also for generating the data transfer information comprising described data batchmove value, described data receiver's identify label and described smart card account;

Described subscriber equipment, the data transfer information also for responding input sends instruction, sends described data transfer information to described service equipment;

Described service equipment, for inquiring about data receiver's account that described data receiver's identify label of comprising with described data transfer information matches;

Described service equipment, also for deducting described data batchmove value from described smart card account, and is added into described data receiver's account by described data batchmove value.

In the embodiment of the present invention, after subscriber equipment generates and comprises the sequence information of data batchmove value and data receiver's identify label, near-field communication mode can be adopted to read smart card account rapidly, with generate comprise data batchmove value, data receiver's identify label and smart card account data transfer information and send to service equipment; After data receiver's account that data receiver's identify label that service equipment inquiry and data transfer information comprise matches, data batchmove value can be deducted from smart card account, and data batchmove value is added into this data receiver's account.Visible, the embodiment of the present invention can be saved user and manually input the troublesome operation that account information brings in online payment process, thus can simplify online payment operation, improves online payment efficiency.

Accompanying drawing explanation

In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.

Fig. 1 is the process flow diagram of a kind of account data transfer method disclosed in the embodiment of the present invention;

Fig. 2 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention;

Fig. 3 is the sequence information surface chart that disclosed in the embodiment of the present invention, a kind of subscriber equipment generates;

Interface variation diagram when Fig. 4 is a kind of subscriber equipment generation data transfer information disclosed in the embodiment of the present invention;

Fig. 5 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention;

Fig. 6 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention;

Fig. 7 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention;

Fig. 8 is the structural representation of a kind of subscriber equipment disclosed in the embodiment of the present invention;

Fig. 9 is the structural representation of another kind of subscriber equipment disclosed in the embodiment of the present invention;

Figure 10 is the structural representation of a kind of service equipment disclosed in the embodiment of the present invention;

Figure 11 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention;

Figure 12 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention;

Figure 13 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention;

Figure 14 is the structural representation of a kind of account data transfer system disclosed in the embodiment of the present invention.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.

The embodiment of the invention discloses a kind of account data transfer method and relevant device, system, can effectively improve online payment efficiency.Below be described in detail respectively.

Refer to Fig. 1, Fig. 1 is the process flow diagram of a kind of account data transfer method disclosed in the embodiment of the present invention.As shown in Figure 1, this account data transfer method can comprise the following steps.

S101, subscriber equipment generate sequence information, and this sequence information comprises data batchmove value and data receiver's identify label.

In the embodiment of the present invention, subscriber equipment can comprise the subscriber equipmenies such as smart mobile phone, panel computer, palm PC and mobile internet device (MID).

In the embodiment of the present invention, the data batchmove value that above-mentioned sequence information comprises also can be called as payment, and above-mentioned data receiver's identify label also can be called as beneficiary identify label, wherein, beneficiary identify label can comprise the Business Name, Personal name etc. of beneficiary.Further, above-mentioned sequence information can also comprise the details such as order number, product information.

For example, user can utilize shopping account directly to log in shopping platform on a user device, or, user can utilize social account first to log in social client on a user device, user's shopping portal login shopping platform that can be provided by social client further, further user can select the product carrying pricing information on shopping platform, correspondingly subscriber equipment can detect the product carrying price that user selects on shopping platform, and according to the calculation of price data batchmove value (i.e. the price summation of data batchmove value=selected product) of selected product, and generate according to this data batchmove value and data receiver's identify label corresponding to selected product the sequence information comprising data batchmove value and data receiver's identify label.Wherein, data receiver's identify label that institute's product is corresponding refers to the selected businessman of product of issue or the identify label of seller on shopping platform, that is to say beneficiary identify label.

S102, subscriber equipment read smart card account in near-field communication (Near Field Communication, NFC) mode.

In the embodiment of the present invention, user before subscriber equipment performs step S101, can open the NFC function of subscriber equipment in advance, or user after subscriber equipment performs step S101, then can open the NFC function of subscriber equipment.On the basis of NFC function of opening subscriber equipment, user can, by subscriber equipment near smart card, can adopt NFC mode to read the smart card account of smart card on one's own initiative to make subscriber equipment.Wherein, NFC is a kind of radiotelegraphy of short distance high frequency, can run in 20 cm distance in 13.56MHz frequency, what its transmission speed was common can have 106Kbit/ second, 212Kbit/ second or 424Kbit/ second three kinds.

In the embodiment of the present invention, smart card can be integrated circuit card (Integrated Circuit Card, IC-card), chip card, financial IC card or Unionpay's IC-card etc.Compared with conventional magnetic stripe card, smart card have security high, utilize the advantages such as convenient and many application.In addition, smart card except possess conventional magnetic stripe card and have consumption, withdraw the money, deposit, except the function such as pre-authorization, the characteristic transaction such as off line payment, rapid payment, integration consumption can also be supported, the aspects such as finance, telecommunications, traffic, commerce and trade, social security, tax revenue, medical treatment, insurance can be widely used in.

S103, subscriber equipment generate the data transfer information comprising above-mentioned data batchmove value, data receiver's identify label and smart card account.

In the embodiment of the present invention, after subscriber equipment reads smart card account in NFC mode, can this smart card account be added in the above order information, to form the data transfer information comprising above-mentioned data batchmove value, data receiver's identify label and smart card account.

The data transfer information of S104, user device responsive input sends instruction, sends this data transfer information to service equipment.

In the embodiment of the present invention, perform in the interface of the data transfer information that above-mentioned steps S102 ~ S103 generates at subscriber equipment, transmission menu can be comprised, correspondingly subscriber equipment can detect this transmission menu of user operation (as clicking), instruction is sent to subscriber equipment with the data transfer information of input, subscriber equipment can respond the data transfer information transmission instruction of input further, and sends this data transfer information by internet to service equipment.

In the embodiment of the present invention, service equipment can be bank paying server or Third-party payment platform, and the embodiment of the present invention is not construed as limiting.

S105, service equipment receive the data transfer information that subscriber equipment sends, and data receiver's account that data receiver's identify label that inquiry and data transfer information comprise matches.

In the embodiment of the present invention, after service equipment receives the data transfer information of subscriber equipment transmission, data receiver's identify label that service equipment can comprise with this data transfer information is foundation, data receiver's account that inquiry and data receiver's identify label match from the database of service equipment.Wherein, data receiver's account is also referred to as beneficiary account.

S106, service equipment deduct this data batchmove value from the smart card account that data transfer information comprises, and this data batchmove value is added into this data receiver's account.

In the embodiment of the present invention, service equipment deducts this data batchmove value from the smart card account that data transfer information comprises, and this data batchmove value is added into this data receiver's account, smart card account data can be realized to be transferred to this data receiver's account, to that is to say the online payment achieving online shopping.

In method described by Fig. 1, after subscriber equipment generates and comprises the sequence information of data batchmove value and data receiver's identify label, NFC mode can be adopted to read smart card account rapidly, with generate comprise data batchmove value, data receiver's identify label and smart card account data transfer information and send to service equipment; And after data receiver's account that data receiver's identify label that service equipment inquiry and data transfer information comprise matches, data batchmove value can be deducted from smart card account, and data batchmove value is added into this data receiver's account.Visible, by implementing the method described by Fig. 1, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency.

Refer to Fig. 2, Fig. 2 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention.As shown in Figure 2, this account data transfer method can comprise the following steps.

S201, subscriber equipment generate sequence information, and this sequence information comprises data batchmove value and data receiver's identify label.

See also Fig. 3, Fig. 3 is the sequence information surface chart that disclosed in the embodiment of the present invention, a kind of subscriber equipment generates.As shown in Figure 3, in the sequence information that this sequence information interface comprises, data batchmove value XXX and data receiver's identify label YY can be comprised.

S202, subscriber equipment read smart card account in NFC mode.

S203, subscriber equipment generate the data transfer information comprising above-mentioned data batchmove value, data receiver's identify label and smart card account.

See also Fig. 4, interface variation diagram when Fig. 4 is a kind of subscriber equipment generation data transfer information disclosed in the embodiment of the present invention.As shown in Figure 4, after subscriber equipment generates sequence information interface as shown in Figure 3, user can by subscriber equipment near smart card, NFC mode can be adopted to read the smart card account 6222088888888888 of smart card on one's own initiative to make subscriber equipment, and this smart card account 6222088888888888 is added in the above order information, to form the data transfer information comprising above-mentioned data batchmove value XXX, data receiver's identify label YY and smart card account 6222088888888888.

The data transfer information of S204, user device responsive input sends instruction, sends this data transfer information to service equipment.

As shown in Figure 4, subscriber equipment performs in the interface of the data transfer information that above-mentioned steps S202 ~ S203 generates, can comprise and send menu and cancel menu, correspondingly subscriber equipment can detect this transmission menu of user operation (as clicking), instruction is sent to subscriber equipment with the data transfer information of input, subscriber equipment can respond the data transfer information transmission instruction of input further, and sends this data transfer information by internet to service equipment.

S205, service equipment receive the data transfer information that subscriber equipment sends, and data receiver's account that data receiver's identify label that inquiry and data transfer information comprise matches.

In the embodiment of the present invention, after service equipment receives the data transfer information of subscriber equipment transmission, data receiver's identify label YY that service equipment can comprise with this data transfer information is foundation, data receiver's account 6222099999999999 that inquiry and data receiver's identify label YY match from the database of service equipment.Wherein, data receiver's account 6222099999999999 is also referred to as beneficiary account.

S206, service equipment send information to subscriber equipment, and this information is for pointing out input authentication information.

S207, subscriber equipment receive the information that service equipment sends, and detect the authentication information of this information of response input.

S208, subscriber equipment send authentication information to service equipment.

It is consistent with the authentication registration information that this smart card account of storage is bound that S209, service equipment verify this authentication information, if inconsistent, performs step S210; If consistent, perform step S211;

In the embodiment of the present invention, by above-mentioned steps S206 ~ S209, the security of account data transfer effectively can be improved.

S210, service equipment send authentification failure message to subscriber equipment, and process ends.

S211, service equipment deduct this data batchmove value from the smart card account that data transfer information comprises, and this data batchmove value is added into this data receiver's account.

In conjunction with above-mentioned citing, after service equipment receives the data transfer information of subscriber equipment transmission, this data batchmove value XXX is deducted the smart card account 6222088888888888 that service equipment can comprise from this data transfer information, and this data batchmove value XXX is added into this data receiver's account 6222099999999999, smart card account data can be realized to be transferred to this data receiver's account, to that is to say the online payment achieving online shopping.

S212, service equipment send data batchmove object information to subscriber equipment, and process ends.

In the embodiment of the present invention, the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is authentication string, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is biological nature information, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is the combination of authentication string and biological nature information; This biological nature information comprises any one and several combinations in shape of face information, hand shape information, iris information, retinal information and voiceprint.

Wherein, by implementing the method described by Fig. 2, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the method described by Fig. 2, service equipment in certification by just performing account data transfer, thus can effectively can improve the security of account data transfer, namely can improve the security of online payment.

Refer to Fig. 5, Fig. 5 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention.As shown in Figure 5, this account data transfer method can comprise the following steps.

S501, subscriber equipment generate sequence information, and this sequence information comprises data batchmove value and data receiver's identify label.

S502, subscriber equipment read smart card account in NFC mode.

S503, subscriber equipment generate the data transfer information comprising above-mentioned data batchmove value, data receiver's identify label and smart card account.

The data transfer information of S504, user device responsive input sends instruction, sends this data transfer information to service equipment.

S505, service equipment receive the data transfer information that subscriber equipment sends, and data receiver's account that data receiver's identify label that inquiry and data transfer information comprise matches.

S506, service equipment send information to subscriber equipment, and this information is for pointing out input authentication information.

S507, subscriber equipment receive the information that service equipment sends, and detect the authentication information of this information of response input.

S508, subscriber equipment send authentication information to service equipment.

It is consistent with the authentication registration information that this smart card account of storage is bound that S509, service equipment verify this authentication information, if inconsistent, performs step S510; If consistent, perform step S511;

In the embodiment of the present invention, by above-mentioned steps S506 ~ S509, the security of account data transfer effectively can be improved.

In the embodiment of the present invention, the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is authentication string, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is biological nature information, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is the combination of authentication string and biological nature information; This biological nature information comprises any one and several combinations in shape of face information, hand shape information, iris information, retinal information and voiceprint.S510, service equipment send authentification failure message to subscriber equipment, and process ends.

S511, service equipment send the first data batchmove and confirm that request is to subscriber equipment, and the first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match.

The first data batchmove that S512, subscriber equipment receive service equipment transmission confirms request, and the first data batchmove confirmation response for the first data batchmove confirmation request detecting input sends to service equipment.

S513, service equipment deduct this data batchmove value from the smart card account that data transfer information comprises, and this data batchmove value is added into this data receiver's account.

S514, service equipment send data batchmove object information to subscriber equipment, and process ends.

Wherein, by implementing the method described by Fig. 5, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the method described by Fig. 5, when service equipment can pass through in certification and receive the first data batchmove confirmation response for the first data batchmove confirmation request of subscriber equipment transmission, just perform account data transfer, thus effectively can improve the security of account data transfer, namely can improve the security of online payment.

Refer to Fig. 6, Fig. 6 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention.As shown in Figure 6, this account data transfer method can comprise the following steps.

S601, subscriber equipment generate sequence information, and this sequence information comprises data batchmove value and data receiver's identify label.

S602, subscriber equipment read smart card account in NFC mode.

S603, subscriber equipment generate the data transfer information comprising above-mentioned data batchmove value, data receiver's identify label and smart card account; Wherein, this data transfer information also comprises the mark of subscriber equipment.

In the embodiment of the present invention, the mark of subscriber equipment can comprise the telephone number of subscriber equipment or international mobile equipment identification number (International Mobile Equipment Identification Number, IMEI) or other can the information of characterizing consumer equipment identities.

In the embodiment of the present invention, after subscriber equipment reads smart card account in NFC mode, can this smart card account be added in the above order information, and read the mark of subscriber equipment and be added in the above order information, to form the data transfer information of mark comprising above-mentioned data batchmove value, data receiver's identify label and smart card account and subscriber equipment.

The data transfer information of S604, user device responsive input sends instruction, sends this data transfer information to service equipment.

In the embodiment of the present invention, perform in the interface of the data transfer information that above-mentioned steps S602 ~ S603 generates at subscriber equipment, transmission menu can be comprised, correspondingly subscriber equipment can detect this transmission menu of user operation (as clicking), instruction is sent to subscriber equipment with the data transfer information of input, subscriber equipment can respond the data transfer information transmission instruction of input further, and sends this data transfer information by internet to service equipment.

S605, service equipment receive the data transfer information that subscriber equipment sends, and data receiver's account that data receiver's identify label that inquiry and data transfer information comprise matches.

S606, service equipment send information to subscriber equipment, and this information is for pointing out input authentication information.

S607, subscriber equipment receive the information that service equipment sends, and detect the authentication information of this information of response input.

S608, subscriber equipment send authentication information to service equipment.

It is consistent with the authentication registration information that this smart card account of storage is bound that S609, service equipment verify this authentication information, if inconsistent, performs step S610; If consistent, perform step S611;

In the embodiment of the present invention, by above-mentioned steps S606 ~ S609, the security of account data transfer effectively can be improved.

S610, service equipment send authentification failure message to subscriber equipment, and process ends.

S611, service equipment send the first data batchmove and confirm that request is to subscriber equipment, and this first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match.

The first data batchmove that S612, subscriber equipment receive service equipment transmission confirms request, and the first data batchmove confirmation response for the first data batchmove confirmation request detecting input sends to service equipment.

S613, service equipment obtain the associate device mark of this smart card account binding stored.

In the embodiment of the present invention, associate device can comprise the subscriber equipmenies such as smart mobile phone, panel computer, palm PC and mobile internet device (MID).

In the embodiment of the present invention, associate device mark can comprise the information that the telephone number of associate device or international mobile equipment identification number (International Mobile Equipment Identification Number, IMEI) or other can characterize associate device identity.

Whether S614, service equipment compare associate device mark identical with the mark of the subscriber equipment that data transfer information comprises, if not identical, perform step S615 ~ S618; If identical, perform step S617 ~ S618.

If S615 compares associate device, mark is not identical with the mark of the subscriber equipment that data transfer information comprises, service equipment sends the second data batchmove and confirms that request is to the associate device belonging to associate device mark, and this second data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match.

The second data batchmove that S616, associate device receive service equipment transmission confirms request, and the second data batchmove confirmation response for the second data batchmove confirmation request detecting input sends to service equipment.

This data batchmove value deducted by S617, service equipment from smart card account, and this data batchmove value is added into this data receiver's account.

S618, service equipment send data batchmove object information to subscriber equipment, and process ends.

Wherein, by implementing the method described by Fig. 6, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the method described by Fig. 6, service equipment can certification by and receive subscriber equipment send for first data batchmove confirm request the first data batchmove confirmation response and receive associate device send for second data batchmove confirm request the second data batchmove confirmation response time, just perform account data transfer, thus effectively can improve the security of account data transfer, namely can improve the security of online payment.

Refer to Fig. 7, Fig. 7 is the process flow diagram of another kind of account data transfer method disclosed in the embodiment of the present invention.As shown in Figure 7, this account data transfer method can comprise the following steps.

S701, cell phone apparatus generate sequence information, and this sequence information comprises payment and beneficiary identify label.

S702, cell phone apparatus read Unionpay's IC-card account in NFC mode.

S703, cell phone apparatus generate the payment information (i.e. data transfer information) comprising above-mentioned payment, beneficiary identify label and Unionpay's IC-card account; Wherein, this payment information also comprises the mark of cell phone apparatus.

The payment information of S704, cell phone apparatus response input sends instruction, sends this payment information to Third-party payment platform (i.e. service equipment).

In the embodiment of the present invention, perform in the interface of the payment information that above-mentioned steps S702 ~ S703 generates at cell phone apparatus, transmission menu can be comprised, correspondingly cell phone apparatus can detect this transmission menu of user operation (as clicking), instruction is sent to cell phone apparatus with the payment information of input, cell phone apparatus can respond the payment information transmission instruction of input further, and sends this payment information by internet to Third-party payment platform.

S705, Third-party payment platform receive the payment information that cell phone apparatus sends, and the beneficiary account that the beneficiary identify label that inquiry and payment information comprise matches.

S706, Third-party payment platform send information to cell phone apparatus, and this information is for pointing out input authentication information.

S707, cell phone apparatus receive the information that Third-party payment platform sends, and detect the finger print information of this information of response input.

S708, cell phone apparatus send finger print information to Third-party payment platform.

It is consistent with the registering fingerprint information that this Unionpay's IC-card account of storage is bound that S709, Third-party payment platform verify this finger print information, if inconsistent, performs step S710; If consistent, perform step S711;

In the embodiment of the present invention, by above-mentioned steps S706 ~ S709, the security of account data transfer effectively can be improved.

S710, Third-party payment platform send finger print identifying failed message to cell phone apparatus, and process ends.

S711, Third-party payment platform send the first payment affirmation request (namely the first data batchmove confirms request), and, to cell phone apparatus, this first payment-confirmation request draws together the beneficiary account that Unionpay's IC-card account, payment, beneficiary identify label and beneficiary identify label match.

S712, cell phone apparatus receive the first payment affirmation request that Third-party payment platform sends, and the first payment affirmation response (i.e. the first data batchmove confirmation response) for the first payment affirmation request detecting input sends to service equipment.

S713, Third-party payment platform obtain the association mobile phone logo of this smart card account binding stored.

Whether S714, Third-party payment platform compare association mobile phone logo identical with the mark of the cell phone apparatus that payment information comprises, if not identical, perform step S715 ~ S718; If identical, perform step S717 ~ S718.

If S715 compares association, mobile phone logo is not identical with the mark of the cell phone apparatus that payment information comprises, Third-party payment platform sends the second payment affirmation request (namely the second data batchmove confirms request) to the association mobile phone of association belonging to mobile phone logo, and this second payment-confirmation request draws together the beneficiary account that Unionpay's IC-card account, payment, beneficiary identify label and beneficiary identify label match.

S716, association mobile phone receive the second payment affirmation request that Third-party payment platform sends, and the second payment affirmation response (i.e. the second data batchmove confirmation response) for the second payment affirmation request detecting input sends to Third-party payment platform.

S717, Third-party payment platform deduct this payment from Unionpay's IC-card account, and this payment is added into this beneficiary account.

S718, Third-party payment platform send payment result information to cell phone apparatus, and process ends.

Wherein, by implementing the method described by Fig. 7, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the method described by Fig. 7, Third-party payment platform can certification by and receive cell phone apparatus send for the first payment affirmation request first payment affirmation response and receive associate device send for the second payment affirmation request second payment affirmation response time, just perform online payment, thus effectively can improve the security of online payment.

Refer to the structural representation that 8, Fig. 8 is a kind of subscriber equipment disclosed in the embodiment of the present invention, this subscriber equipment performs account data transfer method.As shown in Figure 8, this subscriber equipment 800 can comprise:

Sequence information generation unit 801, generate sequence information for subscriber equipment, this sequence information comprises data batchmove value and data receiver's identify label;

Reading unit 802, for reading smart card account in NFC mode;

Transinformation generation unit 803, for generating the data transfer information comprising this data batchmove value, this data receiver's identify label and this smart card account;

Transmitting element 804, data transfer information for responding input sends instruction, this data transfer information is sent to service equipment, with the data receiver's account making data receiver's identify label that service equipment is inquired about and data transfer information comprises match, and from smart card account, deduct data batchmove value by service equipment and data batchmove value is added into this data receiver's account.

In the embodiment of the present invention, the subscriber equipment 800 shown in Fig. 8 also comprises:

Receiving element 805, send instruction for the data transfer information responding input at transmitting element 804, after service equipment sends data transfer information, receive the information that service equipment sends, this information is for pointing out input authentication information;

Detecting unit 806, for detecting the authentication information of this information of response input;

Correspondingly, transmitting element 804 is also for sending this authentication information to service equipment, after the data receiver's account matched to make data receiver's identify label that service equipment is inquired about and data transfer information comprises, whether unanimously first verify the authentication registration information that this authentication information and the smart card account of storage bind, if consistent, performed by service equipment and deduct data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account, to improve the security of account data transfer.

In the embodiment of the present invention, the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is authentication string, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is biological nature information, or the authentication registration information of above-mentioned authentication information and the binding of above-mentioned smart card account is the combination of authentication string and biological nature information; Wherein, biological nature information comprises any one and several combinations in shape of face information, hand shape information, iris information, retinal information and voiceprint.

In the embodiment of the present invention, in the subscriber equipment 800 shown in Fig. 8:

Receiving element 805, also for sending after authentication information to service equipment at transmitting element 804, receive the first data batchmove confirmation request that service equipment sends, this first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

Detecting unit 806, also for detecting the first data batchmove confirmation response confirming request for the first data batchmove of input;

Correspondingly, by for the first data batchmove, transmitting element 804 is also for confirming that the first data batchmove confirmation response of request sends to service equipment, with make service equipment verify this authentication information consistent with the authentication registration information that the smart card account of storage is bound after, first detect the first data batchmove confirmation response confirming request for the first data batchmove whether receiving subscriber equipment and send, if receive, perform again and deduct data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account, to improve the security of account data transfer further.

Wherein, by implementing the subscriber equipment described by Fig. 8, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the subscriber equipment described by Fig. 8, service equipment can be made when certification is passed through and/or receive the first data batchmove confirmation response for the first data batchmove confirmation request of subscriber equipment transmission, just perform a data-transfer operation, thus effectively can improve the security of account data transfer.

Refer to Fig. 9, Fig. 9 is the structural representation of another kind of subscriber equipment disclosed in the embodiment of the present invention.As shown in Figure 9, this subscriber equipment 900 can comprise: at least one processor 901, such as CPU, at least one network interface 902, user interface 903, storer 904, NFC module 905, at least one communication bus 906.Wherein, communication bus 906 is for realizing the connection communication between these assemblies.Wherein, user interface 903 can comprise display screen (Display), keyboard (Keyboard) etc.Storer 904 can be high-speed RAM storer, also can be non-labile storer (non-volatile memory), such as at least one magnetic disk memory.Storer 904 can also be optionally that at least one is positioned at the memory storage away from aforementioned processor 901.As shown in Figure 9, operating system, network communication module, Subscriber Interface Module SIM and account data branching program can be comprised as in a kind of storer 904 of computer-readable storage medium.

In the subscriber equipment 900 shown in Fig. 9, network interface 902 is mainly used in Connection Service equipment and carries out data communication; And processor 901 may be used for calling the account data branching program stored in storer 904, and perform following operation:

Generate sequence information, sequence information comprises data batchmove value and data receiver's identify label;

Control NFC module 905 and read smart card account in NFC mode;

Generate the data transfer information comprising data batchmove value, data receiver's identify label and smart card account;

The data transfer information being received input by user interface 903 sends instruction;

The data transfer information of response input sends instruction, data transfer information is sent to service equipment by network interface 902, with the data receiver's account making data receiver's identify label that service equipment is inquired about and data transfer information comprises match, and from smart card account, deduct data batchmove value by service equipment and data batchmove value is added into this data receiver's account.

In the embodiment of the present invention, processor 901 calls the account data branching program stored in storer 904, can also perform following operation:

The data transfer information of response input sends instruction, sent after data transfer information to service equipment by network interface 902, received the information of service equipment transmission by network interface 902, and export user interface 903 to, this information is for pointing out input authentication information;

The authentication information of this information of response input is detected by user interface 903;

This authentication information is sent to service equipment by network interface 902, after the data receiver's account matched to make data receiver's identify label that service equipment is inquired about and data transfer information comprises, whether unanimously first verify the authentication registration information that this authentication information and the smart card account of storage bind, if consistent, performed by service equipment and deduct data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account, to improve the security of account data transfer.

Sent after authentication information to service equipment by network interface 902, the first data batchmove being received service equipment transmission by User Network Interface 902 confirms request, and exporting user interface 903 to, this first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

The the first data batchmove confirmation response for the first data batchmove confirmation request being detected input by user interface 903 sends to service equipment, with make service equipment verify this authentication information consistent with the authentication registration information that the smart card account of storage is bound after, first detect the first data batchmove confirmation response confirming request for the first data batchmove whether receiving subscriber equipment and send, if receive, perform again and deduct data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account, to improve the security of account data transfer further.

Wherein, by implementing the subscriber equipment described by Fig. 9, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the subscriber equipment described by Fig. 9, service equipment can be made when certification is passed through and/or receive the first data batchmove confirmation response for the first data batchmove confirmation request of subscriber equipment transmission, just perform a data-transfer operation, thus effectively can improve the security of account data transfer.

Refer to Figure 10, Figure 10 is the structural representation of a kind of service equipment disclosed in the embodiment of the present invention, and this service equipment is for performing account data transfer method.As shown in Figure 10, this service equipment 1000 can comprise:

Receiving element 1001, for receiving the data transfer information that subscriber equipment sends, wherein, this data transfer information is subscriber equipment after generation comprises the sequence information of data batchmove value and data receiver's identify label, reads smart card account and the data transfer information comprising data batchmove value, data receiver's identify label and smart card account that generates by subscriber equipment in NFC mode;

Query unit 1002, for inquiring about data receiver's account that data receiver's identify label of comprising with data transfer information matches;

Buanch unit 1003, for deducting data batchmove value from smart card account, and is added into this data receiver's account by data batchmove value.

In the embodiment of the present invention, the service equipment 1000 shown in Figure 10 also comprises:

First interactive unit 1004, for after data receiver's account that data receiver's identify label that query unit 1002 is inquired about and data transfer information comprises matches, send information to subscriber equipment, this information is for pointing out input authentication information; And, receive the authentication information that subscriber equipment sends;

Verification unit 1005, consistent with the authentication registration information that the smart card account of storage is bound for verifying this authentication information, if consistent, that triggers buanch unit 1003 execution deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

See also Figure 11, Figure 11 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention.Wherein, the service equipment shown in Figure 11 is that service equipment is as shown in Figure 10 optimized and obtains.Compared with the service equipment shown in Figure 10, the service equipment 1000 shown in Figure 11 also comprises:

Second interactive unit 1006, for verify in verification unit 1005 this authentication information consistent with the authentication registration information that the smart card account of storage is bound after, send the first data batchmove and confirm that request is to subscriber equipment, this first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match; And, receive the first data batchmove confirmation response confirming request for the first data batchmove that subscriber equipment sends, triggering buanch unit 1003 performs deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

In the embodiment of the present invention, above-mentioned data transfer information also comprises the mark of subscriber equipment.Correspondingly, see also Figure 12, Figure 12 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention.Wherein, the service equipment shown in Figure 12 is that service equipment is as shown in Figure 11 optimized and obtains.Compared with the service equipment shown in Figure 11, the service equipment 1000 shown in Figure 12 also comprises:

Acquiring unit 1007, for receive in the second interactive unit 1006 subscriber equipment send for first data batchmove confirm request the first data batchmove confirmation response after, obtain store smart card account binding associate device mark;

Whether comparing unit 1008 is identical with the mark of subscriber equipment for comparing associate device mark;

3rd interactive unit 1009, for compare at comparing unit 1008 associate device mark not identical with the mark of subscriber equipment time, send the second data batchmove and confirm that request is to the associate device belonging to associate device mark, the second data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match; And receive the second data batchmove response for the second data transfer request that associate device sends, triggering buanch unit 1003 performs deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

Wherein, by implementing the service equipment described by Figure 10 ~ Figure 12, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the service equipment described by Figure 10 ~ Figure 12, the security of account data transfer can also effectively be improved.

Refer to Figure 13, Figure 13 is the structural representation of another kind of service equipment disclosed in the embodiment of the present invention.As shown in figure 13, this service equipment 1300 can comprise: at least one processor 1301, such as CPU, at least one network interface 1302, user interface 1303, storer 1304, Database Unit 1305, at least one communication bus 1306.Wherein, communication bus 1306 is for realizing the connection communication between these assemblies.Wherein, user interface 1303 can comprise display screen (Display), keyboard (Keyboard) etc.Storer 1304 can be high-speed RAM storer, also can be non-labile storer (non-volatile memory), such as at least one magnetic disk memory.Storer 1304 can also be optionally that at least one is positioned at the memory storage away from aforementioned processor 1301.As shown in figure 13, operating system, network communication module, Subscriber Interface Module SIM and account data branching program can be comprised as in a kind of storer 1304 of computer-readable storage medium.

In the service equipment 1300 shown in Figure 13, network interface 1302 is mainly used in connecting subscriber equipment and carries out data communication; And processor 1301 may be used for calling the account data branching program stored in storer 1304, and perform following operation:

The data transfer information of subscriber equipment transmission is received by network interface 1302, wherein, data transfer information is subscriber equipment after generation comprises the sequence information of data batchmove value and data receiver's identify label, reads smart card account and the data transfer information comprising data batchmove value, data receiver's identify label and smart card account that generates by subscriber equipment in near-field communication mode;

Data receiver's account that data receiver's identify label that inquiry and data transfer information comprise from Database Unit 1305 matches;

From smart card account, deduct data batchmove value, and data batchmove value is added into this data receiver's account.

In the embodiment of the present invention, processor 1301 calls the account data branching program stored in storer 1304, can also perform following operation:

After data receiver's account that data receiver's identify label that inquiry and data transfer information comprise from Database Unit 1305 matches, and data batchmove value is deducted from smart card account, and before data batchmove value is added into this data receiver's account, information is sent to subscriber equipment by network interface 1302, this information for pointing out input authentication information, and receives the authentication information of subscriber equipment transmission by network interface 1302;

Whether unanimously verify the authentication registration information that this authentication information and the smart card account that Database Unit 1305 stores bind, if unanimously, perform and deduct data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

After this authentication information of verification is consistent with the authentication registration information that the smart card account of storage is bound, and data batchmove value is deducted from smart card account, and before data batchmove value is added into this data receiver's account, send the first data batchmove by network interface 1302 and confirm that request is to subscriber equipment, the first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

And, the first data batchmove confirmation response confirming request for the first data batchmove of subscriber equipment transmission is received by network interface 1302, and execution deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

In the embodiment of the present invention, above-mentioned data transfer information can also comprise the mark of subscriber equipment, and correspondingly, processor 1301 calls the account data branching program stored in storer 1304 can also perform following operation:

Received the first data batchmove confirmation response for the first data batchmove confirmation request of subscriber equipment transmission by network interface 1302 after, and data batchmove value is deducted from smart card account, and before data batchmove value is added into this data receiver's account, obtain the associate device mark of the smart card account binding stored from Database Unit 13058;

Relatively whether associate device mark is identical with the mark of subscriber equipment;

If it is not identical with the mark of subscriber equipment to compare associate device mark, send the second data batchmove by network interface 1302 and confirm that request is to the associate device belonging to associate device mark, the second data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

And, received the second data batchmove response for the second data transfer request of associate device transmission by network interface 1302, and execution deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

Wherein, by implementing the service equipment described by Figure 13, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the service equipment described by Figure 13, the security of account data transfer can also effectively be improved.

Refer to Figure 14, Figure 14 is the structural representation of a kind of account data transfer system disclosed in the embodiment of the present invention.As shown in figure 14, this system can comprise subscriber equipment 1401, smart card 1402 and service equipment 1403, and wherein, subscriber equipment 1401 is connected by internet with service equipment 1403.

Subscriber equipment 1401, for after generation sequence information, read the smart card account of smart card 1402 in NFC mode, described sequence information comprises data batchmove value and data receiver's identify label;

Subscriber equipment 1401, also for generating the data transfer information comprising data batchmove value, data receiver's identify label and smart card account;

Subscriber equipment 1401, the data transfer information also for responding input sends instruction, sends data transfer information to service equipment 1403;

Service equipment 1403, for inquiring about data receiver's account that data receiver's identify label of comprising with data transfer information matches;

Service equipment 1403, also for deducting data batchmove value from smart card account, and is added into this data receiver's account by data batchmove value.

In the embodiment of the present invention, service equipment 1403 is also for after inquiring about data receiver's account that data receiver's identify label of comprising with data transfer information matches, and data batchmove value is deducted from smart card account, and before data batchmove value is added into this data receiver's account, send information to subscriber equipment 1401, this information is for pointing out input authentication information;

Subscriber equipment 1401, also for receiving the information that service equipment 1403 sends;

Subscriber equipment 1401, also for detecting the authentication information of this information of response input;

Subscriber equipment 1401, also for sending authentication information to service equipment 1403;

Service equipment 1403, also whether consistent for verifying the authentication registration information that this authentication information and the smart card account of storage bind, if consistent, perform and deduct data batchmove value from smart card account, and this data batchmove value is added into the step of this data receiver's account.

In the embodiment of the present invention, service equipment 1403 also for verify this authentication information consistent with the authentication registration information that the smart card account of storage is bound after, and data batchmove value is deducted from smart card account, and before this data batchmove value is added into this data receiver's account, send the first data batchmove and confirm that request is to subscriber equipment 1401, the first data batchmove confirmation request comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

Subscriber equipment 1401, the first data batchmove also for receiving service equipment 1402 transmission confirms request, and the first data batchmove confirmation response for the first data batchmove confirmation request detecting input sends to service equipment 1403;

Service equipment 1403, also for receiving the first data batchmove confirmation response confirming request for the first data batchmove that subscriber equipment 1401 sends, and execution deducts data batchmove value from smart card account, and this data batchmove value is added into the step of this data receiver's account.

In the embodiment of the present invention, above-mentioned data transfer information also comprises the mark of subscriber equipment 1401; Service equipment 1403 also for receive subscriber equipment 1401 send for first data batchmove confirm request the first data batchmove confirmation response after, obtain store smart card account binding associate device mark;

Service equipment 1403, also whether identical with the mark of subscriber equipment 1401 for comparing associate device mark, if it is not identical with the mark of subscriber equipment 1401 to compare associate device mark, associate device 1404, second data batchmove confirmation request belonging to the second data batchmove confirmation request that sends identifies to associate device comprises data receiver's account that smart card account, data batchmove value, data receiver's identify label and data receiver's identify label match;

Associate device 1401, confirms request for the second data batchmove receiving service equipment 1403 transmission, and the second data batchmove confirmation response for the second data batchmove confirmation request detecting input sends to service equipment 1403;

Service equipment 1403, also for receiving the second data batchmove confirmation response confirming request for the second data batchmove that associate device 1404 sends, and execution deducts data batchmove value from smart card account, and data batchmove value is added into the step of this data receiver's account.

Wherein, by implementing the system described by Figure 14, user can be saved manually input the troublesome operation that account information brings in online payment process, thus online payment operation can be simplified, improving online payment efficiency; In addition, by implementing the system described by Figure 14, the security of account data transfer can also effectively be improved.

One of ordinary skill in the art will appreciate that all or part of step in the various methods of above-described embodiment is that the hardware that can carry out instruction relevant by program has come, this program can be stored in a computer-readable recording medium, storage medium comprises ROM (read-only memory) (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM), programmable read only memory (Programmable Read-only Memory, PROM), Erasable Programmable Read Only Memory EPROM (Erasable Programmable Read Only Memory, EPROM), disposable programmable ROM (read-only memory) (One-time Programmable Read-Only Memory, OTPROM), the electronics formula of erasing can make carbon copies ROM (read-only memory) (Electrically-Erasable Programmable Read-Only Memory, EEPROM), read-only optical disc (Compact Disc Read-Only Memory, or other optical disc memorys CD-ROM), magnetic disk memory, tape memory, or can be used in any other medium computer-readable carrying or store data.

Above a kind of account data transfer method disclosed in the embodiment of the present invention and relevant device, system are described in detail, apply specific case herein to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.

Claims

1. an account data transfer method, is characterized in that, comprising:

2. method according to claim 1, is characterized in that, after data receiver's account that described data receiver's identify label that described service equipment inquiry and described data transfer information comprise matches, described method also comprises:

Described service equipment sends information to described subscriber equipment, and described information is for pointing out input authentication information;

Described subscriber equipment receives the described information that described service equipment sends;

Described subscriber equipment detects the authentication information of the described information input of response;

Described subscriber equipment sends described authentication information to described service equipment;

Whether described service equipment verifies the authentication registration information that described authentication information and the described smart card account of storage bind consistent, if consistent, from described smart card account, deduct described data batchmove value described in described service equipment performs, and described data batchmove value is added into the step of described data receiver's account.

3. method according to claim 2, is characterized in that, described service equipment verify described authentication information consistent with the authentication registration information that the described smart card account of storage is bound after, described method also comprises:

Described service equipment sends the first data batchmove and confirms that request is to described subscriber equipment, and described first data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value, described data receiver's identify label and described data receiver's identify label match;

Described first data batchmove that described subscriber equipment receives the transmission of described service equipment confirms request, and the first data batchmove confirmation response for described first data batchmove confirmation request detecting input sends to described service equipment;

Described service equipment receives the first data batchmove confirmation response confirming request for described first data batchmove that described subscriber equipment sends, and from described smart card account, deduct described data batchmove value described in performing, and described data batchmove value is added into the step of described data receiver's account.

4. method according to claim 3, is characterized in that, described data transfer information also comprises the mark of described subscriber equipment; After described service equipment receives the first data batchmove confirmation response for described first data batchmove confirmation request of described subscriber equipment transmission, described method also comprises:

Described service equipment obtains the associate device mark of the described smart card account binding stored;

Whether described service equipment more described associate device mark is identical with the mark of described subscriber equipment;

If more described associate device mark is not identical with the mark of described subscriber equipment, described service equipment sends the second data batchmove and confirms that request is to the associate device belonging to described associate device mark, and described second data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value, described data receiver's identify label and described data receiver's identify label match;

Described second data batchmove that described associate device receives the transmission of described service equipment confirms request, and the second data batchmove confirmation response for described second data batchmove confirmation request detecting input sends to described service equipment;

Described service equipment receives the second data batchmove confirmation response confirming request for described second data batchmove that described associate device sends, and from described smart card account, deduct described data batchmove value described in performing, and described data batchmove value is added into the step of described data receiver's account.

5. an account data transfer method, is characterized in that, comprising:

6. method according to claim 5, is characterized in that, the data transfer information of described user device responsive input sends instruction, and after service equipment sends described data transfer information, described method also comprises:

Described subscriber equipment receives the information that described service equipment sends, and described information is for pointing out input authentication information;

Described subscriber equipment sends described authentication information to described service equipment.

7. an account data transfer method, is characterized in that, comprising:

8. method according to claim 7, is characterized in that, after data receiver's account that described data receiver's identify label that described service equipment inquiry and described data transfer information comprise matches, described method also comprises:

Described service equipment receives the authentication information that described subscriber equipment sends;

9. method according to claim 8, is characterized in that, described service equipment verify described authentication information consistent with the authentication registration information that the described smart card account of storage is bound after, described method also comprises:

10. method according to claim 9, is characterized in that, described data transfer information also comprises the mark of described subscriber equipment; After described service equipment receives the first data batchmove confirmation response for described first data batchmove confirmation request of described subscriber equipment transmission, and described service equipment deducts described data batchmove value from described smart card account, and before described data batchmove value is added into described data receiver's account, described method also comprises:

Described service equipment receives the second data batchmove response for described second data transfer request that described associate device sends, and from described smart card account, deduct described data batchmove value described in performing, and described data batchmove value is added into the step of described data receiver's account.

11. 1 kinds of subscriber equipmenies, is characterized in that, for performing account data transfer method, comprising:

12. subscriber equipmenies according to claim 11, is characterized in that, also comprise:

Receiving element, for sending instruction at the data transfer information of described transmitting element response input, after service equipment sends described data transfer information, receive the information that described service equipment sends, described information is for pointing out input authentication information;

Detecting unit, for detecting the authentication information of the described information input of response;

Described transmitting element, also for sending described authentication information to described service equipment.

13. 1 kinds of service equipments, is characterized in that, for performing account data transfer method, comprising:

14. service equipments according to claim 13, is characterized in that, also comprise:

First interactive unit, for after data receiver's account that the described data receiver's identify label comprised at described query unit inquiry and described data transfer information matches, send information to described subscriber equipment, described information is for pointing out input authentication information; And, receive the authentication information that described subscriber equipment sends;

Verification unit, whether consistent for verifying the authentication registration information that described authentication information and the described smart card account of storage bind, if consistent, trigger described buanch unit perform described in from described smart card account, deduct described data batchmove value, and described data batchmove value is added into the step of described data receiver's account.

15. service equipments according to claim 14, is characterized in that, also comprise:

Second interactive unit, for verify in described verification unit described authentication information consistent with the authentication registration information that the described smart card account of storage is bound after, send the first data batchmove and confirm that request is to described subscriber equipment, described first data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value, described data receiver's identify label and described data receiver's identify label match; And, receive the first data batchmove confirmation response confirming request for described first data batchmove that described subscriber equipment sends, trigger described buanch unit perform described in from described smart card account, deduct described data batchmove value, and described data batchmove value is added into the step of described data receiver's account.

16. service equipments according to claim 15, it is characterized in that, described data transfer information also comprises the mark of described subscriber equipment, described service equipment also comprises:

Acquiring unit, for receive in described second interactive unit that described subscriber equipment sends confirm the first data batchmove confirmation response of request for described first data batchmove after, obtain the associate device mark of the described smart card account binding stored;

Whether comparing unit is identical with the mark of described subscriber equipment for more described associate device mark;

3rd interactive unit, for when described comparing unit more described associate device mark is not identical with the mark of described subscriber equipment, send the second data batchmove and confirm that request is to the associate device belonging to described associate device mark, described second data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value and described data receiver's identify label match; And, receive the second data batchmove response for described second data transfer request that described associate device sends, trigger described buanch unit perform described in from described smart card account, deduct described data batchmove value, and described data batchmove value is added into the step of described data receiver's account.

17. 1 kinds of account data transfer systems, is characterized in that, comprise subscriber equipment, smart card and service equipment:

18. systems according to claim 17, is characterized in that,

Described service equipment, also for after inquiring about data receiver's account that described data receiver's identify label of comprising with described data transfer information matches, send information to described subscriber equipment, described information is for pointing out input authentication information;

Described subscriber equipment, also for receiving the described information that described service equipment sends;

Described subscriber equipment, also for detecting the authentication information of the described information input of response;

Described subscriber equipment, also for sending described authentication information to described service equipment;

Described service equipment, also whether consistent for verifying the authentication registration information that described authentication information and the described smart card account of storage bind, if consistent, from described smart card account, deduct described data batchmove value described in execution, and described data batchmove value is added into the step of described data receiver's account.

19. systems according to claim 18, is characterized in that,

Described service equipment, also for verify described authentication information consistent with the authentication registration information that the described smart card account of storage is bound after, send the first data batchmove and confirm that request is to described subscriber equipment, described first data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value, described data receiver's identify label and described data receiver's identify label match;

Described subscriber equipment, described first data batchmove also for receiving the transmission of described service equipment confirms request, and the first data batchmove confirmation response for described first data batchmove confirmation request detecting input sends to described service equipment;

Described service equipment, also for receiving the first data batchmove confirmation response confirming request for described first data batchmove that described subscriber equipment sends, and from described smart card account, deduct described data batchmove value described in performing, and described data batchmove value is added into the step of described data receiver's account.

20. systems according to claim 19, is characterized in that, described data transfer information also comprises the mark of described subscriber equipment; Described service equipment also for receive that described subscriber equipment sends confirm the first data batchmove confirmation response of request for described first data batchmove after, obtain the associate device mark of the described smart card account binding stored;

Described service equipment, also whether identical with the mark of described subscriber equipment for more described associate device mark, if more described associate device mark is not identical with the mark of described subscriber equipment, send the second data batchmove and confirm that request is to the associate device belonging to described associate device mark, described second data batchmove confirmation request comprises described data receiver's account that described smart card account, described data batchmove value, described data receiver's identify label and described data receiver's identify label match;

Described associate device, confirms request for described second data batchmove receiving the transmission of described service equipment, and the second data batchmove confirmation response for described second data batchmove confirmation request detecting input sends to described service equipment;

Described service equipment, also for receiving the second data batchmove confirmation response confirming request for described second data batchmove that described associate device sends, and from described smart card account, deduct described data batchmove value described in performing, and described data batchmove value is added into the step of described data receiver's account.