CN104899771B

CN104899771B - Account data transfer method and related equipment and system

Info

Publication number: CN104899771B
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: 2021-12-17
Anticipated expiration: 2034-09-26
Also published as: CN104899771A

Abstract

The embodiment of the invention discloses an account data transfer method, and related equipment and a system, wherein the method comprises the following steps: the user equipment generates order information which comprises a data transfer value and a data receiver identity; the user equipment reads the account number of the smart card in a near field communication mode; the user equipment generates data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account; the user equipment responds to an input data transfer information sending instruction and sends the data transfer information to the 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 included in the data transfer information; and the service equipment deducts the data transfer value from the account number of the intelligent card and adds the data transfer value to the account number of the data receiver. The online payment efficiency can be effectively improved.

Description

Account data transfer method and related equipment and system

Technical Field

The invention relates to the technical field of internet, in particular to an account data transfer method, and related equipment and system.

Background

With the rapid development of Internet technology, online shopping using user Devices such as smart phones, tablet computers, palm computers, and Mobile Internet Devices (MIDs) has become a fashionable and popular shopping mode. In practical applications, when a user uses a user device to perform online shopping, account information often needs to be manually input into the user device to complete online payment for online shopping. In practice, it is found that account information needs to be manually input in the online payment process of online shopping, so that online payment is complicated, and online payment efficiency is reduced.

Disclosure of Invention

The embodiment of the invention discloses an account data transfer method, and related equipment and system, which can effectively improve the online payment efficiency.

The first aspect of the embodiments of the present invention discloses an account data transfer method, including:

after generating order information, the user equipment reads an account number of the smart card in a near field communication mode, wherein the order information comprises a data transfer value and a data receiver identity;

the user equipment generates data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account;

the user equipment responds to an input data transfer information sending instruction and sends the data transfer information to the service equipment;

the service equipment inquires a data receiver account matched with the data receiver identity included in the data transfer information;

and the service equipment deducts the data transfer value from the account number of the intelligent card and adds the data transfer value to the account number of the data receiver.

The second aspect of the embodiment of the invention discloses an account data transfer method, which comprises the following steps:

the user equipment responds to an input data transfer information sending instruction, sends the data transfer information to service equipment, so that the service equipment inquires a data receiver account matched with the data receiver identity included in the data transfer information, deducts the data transfer value from the intelligent card account and adds the data transfer value to the data receiver account.

A third aspect of the embodiments of the present invention discloses an account data transfer method, including:

the service equipment receives data transfer information sent by user equipment, wherein the data transfer information is generated by reading a smart card account by the user equipment in a near field communication mode after the user equipment generates order information comprising a data transfer value and a data receiver identity;

The fourth aspect of the present invention discloses a user equipment, configured to execute an account data transfer method, including:

the reading unit is used for reading an account number of the smart card in a near field communication mode after the user equipment generates order information, and the order information comprises a data transfer value and a data receiver identity;

the transfer information generating unit is used for generating data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account;

a sending unit, configured to send, in response to an input data transfer information sending instruction, the data transfer information to a service device, so that the service device queries a data receiver account matched with the data receiver identity included in the data transfer information, deducts, by the service device, the data transfer value from the smart card account, and adds the data transfer value to the data receiver account.

A fifth aspect of the present invention discloses a service device, configured to execute a method for transferring account data, including:

the data transfer information comprises a data transfer value, a data receiver identity and a smart card account, wherein the data transfer information is generated by reading the smart card account in a near field communication mode by the user equipment after the user equipment generates order information comprising the data transfer value and the data receiver identity;

the query unit is used for querying a data receiver account matched with the data receiver identity included in the data transfer information;

and the transfer unit is used for deducting the data transfer value from the account number of the intelligent card and adding the data transfer value to the account number of the data receiver.

The sixth aspect of the present invention discloses an account data transfer system, including a user device, a smart card, and a service device:

the user equipment is used for reading an intelligent card account of the intelligent card in a near field communication mode after order information is generated, wherein the order information comprises a data transfer value and a data receiver identity;

the user equipment is also used for generating data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account;

the user equipment is also used for responding to an input data transfer information sending instruction and sending the data transfer information to the service equipment;

the service equipment is used for inquiring a data receiver account matched with the data receiver identity included in the data transfer information;

the service equipment is further used for deducting the data transfer value from the intelligent card account and adding the data transfer value to the data receiver account.

In the embodiment of the invention, after the user equipment generates the order information comprising the data transfer value and the identity of the data receiver, the intelligent card account can be quickly read in a near field communication mode to generate the data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account and send the data transfer information to the service equipment; after the service device queries the data receiver account matched with the data receiver identity included in the data transfer information, the service device may deduct the data transfer value from the smart card account, and add the data transfer value to the data receiver account. Therefore, the embodiment of the invention can save the complicated operation brought by manually inputting the account information by the user in the online payment process, thereby simplifying the online payment operation and improving the online payment efficiency.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

Fig. 1 is a flowchart of an account data transfer method disclosed in an embodiment of the present invention;

fig. 2 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention;

FIG. 3 is a diagram of an order information interface generated by a user equipment according to an embodiment of the present invention;

fig. 4 is an interface change diagram when the user equipment generates data transfer information according to the embodiment of the present invention;

fig. 5 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention;

fig. 6 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention;

fig. 7 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention;

fig. 8 is a schematic structural diagram of a user equipment according to an embodiment of the present invention;

fig. 9 is a schematic structural diagram of another user equipment disclosed in the embodiment of the present invention;

fig. 10 is a schematic structural diagram of a service device according to an embodiment of the present invention;

FIG. 11 is a schematic structural diagram of another service device disclosed in the embodiment of the present invention;

FIG. 12 is a schematic structural diagram of another service device disclosed in the embodiment of the present invention;

fig. 13 is a schematic structural diagram of another service device disclosed in the embodiment of the present invention;

fig. 14 is a schematic structural diagram of an account data transfer system disclosed in the embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the invention discloses an account data transfer method, and related equipment and system, which can effectively improve the online payment efficiency. The following are detailed below.

Referring to fig. 1, fig. 1 is a flowchart of an account data transfer method according to an embodiment of the present invention. As shown in fig. 1, the account data transfer method may include the following steps.

S101, the user equipment generates order information, and the order information comprises a data transfer value and a data receiver identity.

In the embodiment of the present invention, the user device may include a smart phone, a tablet computer, a palmtop computer, a Mobile Internet Device (MID), and other user devices.

In an embodiment of the present invention, the data transfer value included in the order information may also be referred to as a payment amount, and the identifier of the data receiving party may also be referred to as an identifier of the receiving party, where the identifier of the receiving party may include a company name, a personal name, and the like of the receiving party. Further, the order information may further include detailed information such as an order number and product information.

For example, a user may directly log in a shopping platform by using a shopping account on user equipment, or the user may log in a social client by using a social account on the user equipment first, further the user may log in the shopping platform through a shopping entry provided by the social client, further the user may select a product carrying price information on the shopping platform, accordingly, the user equipment may detect the product carrying price selected by the user on the shopping platform, and calculate a data transfer value (that is, the data transfer value is the sum of the prices of the selected products) according to the price of the selected product, and generate order information including the data transfer value and the data recipient identity according to the data transfer value and the data recipient identity corresponding to the selected product. The data receiver identity corresponding to the product refers to the identity of a merchant or seller who issues the selected product on the shopping platform, namely the identity of the payee.

S102, the user equipment reads the account number of the smart card in a Near Field Communication (NFC) mode.

In the embodiment of the present invention, the user may start the NFC function of the user equipment in advance before the user equipment performs step S101, or the user may start the NFC function of the user equipment after the user equipment performs step S101. On the basis of starting the NFC function of the user equipment, the user can enable the user equipment to be close to the smart card, so that the user equipment can actively read the smart card account of the smart card in an NFC mode. The NFC is a short-range high-frequency radio technology, can operate within a distance of 20 cm at a frequency of 13.56MHz, and the transmission speed of the NFC can be 106 Kbit/s, 212 Kbit/s or 424 Kbit/s.

In the embodiment of the present invention, the smart Card may be an Integrated Circuit Card (IC Card), a chip Card, a financial IC Card, or a unionpay IC Card. Compared with the traditional magnetic stripe card, the intelligent card has the advantages of high safety, convenience in utilization, multiple applications and the like. In addition, the intelligent card not only has the functions of consumption, withdrawal, deposit, pre-authorization and the like of the traditional magnetic stripe card, but also can support the characteristic transactions of off-line payment, quick payment, point consumption and the like, and can be widely applied to the aspects of finance, telecommunication, transportation, trade and trade, social security, tax payment, medical treatment, insurance and the like.

S103, the user equipment generates data transfer information comprising the data transfer value, the identity of the data receiver and the account number of the intelligent card.

In the embodiment of the present invention, after the user equipment reads the smart card account in the NFC manner, the smart card account may be added to the order information to form data transfer information including the data transfer value, the identity of the data recipient, and the smart card account.

S104, the user equipment responds to the input data transfer information sending instruction and sends the data transfer information to the service equipment.

In the embodiment of the present invention, the interface of the user equipment for executing the data migration information generated in steps S102 to S103 may include a sending menu, and accordingly, the user equipment may detect a user operation (such as clicking) on the sending menu, send an instruction to the user equipment according to the input data migration information, and further, the user equipment may respond to the input data migration information sending instruction and send the data migration information to the service equipment through the internet.

In the embodiment of the present invention, the service device may be a bank payment server or a third party payment platform, which is not limited in the embodiment of the present invention.

And S105, the service equipment receives the data transfer information sent by the user equipment, and inquires a data receiver account matched with the data receiver identity included in the data transfer information.

In the embodiment of the present invention, after the service device receives the data transfer information sent by the user device, the service device may query, based on the identity of the data recipient included in the data transfer information, the account of the data recipient matched with the identity of the data recipient from the database of the service device. The data receiver account is also referred to as the payee account.

S106, the service equipment deducts the data transfer value from the account number of the smart card included in the data transfer information, and adds the data transfer value to the account number of the data receiver.

In the embodiment of the invention, the service equipment deducts the data transfer value from the intelligent card account included in the data transfer information and adds the data transfer value to the data receiver account, so that the intelligent card account data can be transferred to the data receiver account, namely online payment of online shopping is realized.

In the method depicted in fig. 1, after the user equipment generates order information including a data transfer value and a data recipient identity, the user equipment may rapidly read an account of the smart card in an NFC manner to generate data transfer information including the data transfer value, the data recipient identity and the account of the smart card and send the data transfer information to the service equipment; after the service device queries the data receiver account matched with the data receiver identity included in the data transfer information, the service device may deduct the data transfer value from the smart card account and add the data transfer value to the data receiver account. Therefore, by implementing the method described in fig. 1, the tedious operation caused by manually inputting account information by a user can be omitted in the online payment process, so that the online payment operation can be simplified, and the online payment efficiency can be improved.

Referring to fig. 2, fig. 2 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention. As shown in fig. 2, the account data transfer method may include the following steps.

S201, the user equipment generates order information, and the order information comprises a data transfer value and a data receiver identity.

Referring to fig. 3, fig. 3 is a diagram of an order information interface generated by a user equipment according to an embodiment of the present invention. As shown in fig. 3, the order information interface may include order information that may include a data transfer value XXX and a data recipient identity YY.

S202, the user equipment reads the account number of the smart card in an NFC mode.

And S203, the user equipment generates data transfer information comprising the data transfer value, the identity of the data receiver and the account number of the intelligent card.

Referring to fig. 4, fig. 4 is a diagram illustrating an interface change when the user equipment generates data transfer information according to an embodiment of the present invention. As shown in fig. 4, after the user device generates the order information interface shown in fig. 3, the user may bring the user device close to the smart card, so that the user device may actively read the smart card account 6222088888888888 of the smart card by using NFC, and add the smart card account 6222088888888888 to the order information to form data transfer information including the data transfer value XXX, the data recipient identity YY, and the smart card account 6222088888888888.

S204, the user equipment responds to the input data transfer information sending instruction and sends the data transfer information to the service equipment.

As shown in fig. 4, the interface for the user device to execute the data migration information generated in steps S202 to S203 may include a sending menu and a canceling menu, and accordingly, the user device may detect a user operation (e.g., clicking) on the sending menu, send an instruction to the user device with the input data migration information, and further, the user device may respond to the input instruction to send the data migration information and send the data migration information to the service device through the internet.

S205, the service equipment receives the data transfer information sent by the user equipment, and inquires a data receiver account matched with the data receiver identity included in the data transfer information.

In this embodiment of the present invention, after the service device receives the data transfer information sent by the user device, the service device may query, based on the data recipient identity YY included in the data transfer information, the data recipient account 6222099999999999 matched with the data recipient identity YY from the database of the service device. Data recipient account 6222099999999999 is also referred to herein as a recipient account.

S206, the service equipment sends prompt information to the user equipment, and the prompt information is used for prompting to input authentication information.

S207, the user equipment receives the prompt information sent by the service equipment and detects the authentication information responding to the prompt information input.

S208, the user equipment sends the authentication information to the service equipment.

S209, the service equipment verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, and if not, the step S210 is executed; if yes, go to step S211;

in the embodiment of the present invention, through the steps S206 to S209, the security of account data transfer can be effectively improved.

S210, the service device sends an authentication failure message to the user device, and the process is ended.

S211, the service equipment deducts the data transfer value from the account number of the smart card included in the data transfer information, and adds the data transfer value to the account number of the data receiver.

With reference to the foregoing example, after the service device receives the data transfer information sent by the user device, the service device may deduct the data transfer value XXX from the smart card account 6222088888888888 included in the data transfer information, and add the data transfer value XXX to the data receiver account 6222099999999999, so that the data transfer of the smart card account to the data receiver account, that is, the online payment for online shopping is realized.

S212, the service device sends data transfer result information to the user device, and ends the process.

In the embodiment of the present invention, the authentication information and the registration authentication information bound to the smart card account are both authentication character strings, or the authentication information and the registration authentication information bound to the smart card account are both biometric information, or the authentication information and the registration authentication information bound to the smart card account are both combinations of authentication character strings and biometric information; the biological characteristic information comprises any one or combination of facial shape information, hand shape information, iris information, retina information and voiceprint information.

By implementing the method described in fig. 2, the tedious operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the method described in fig. 2, the service device may perform account data transfer only after the authentication is passed, so that security of account data transfer may be effectively improved, that is, security of online payment may be improved.

Referring to fig. 5, fig. 5 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention. As shown in fig. 5, the account data transfer method may include the following steps.

S501, the user equipment generates order information, and the order information comprises a data transfer value and a data receiver identity.

And S502, reading the account number of the smart card by the user equipment in an NFC mode.

S503, the user equipment generates data transfer information comprising the data transfer value, the identity of the data receiver and the account number of the smart card.

S504, the user equipment responds to the input data transfer information sending instruction and sends the data transfer information to the service equipment.

And S505, the service equipment receives the data transfer information sent by the user equipment and inquires a data receiver account matched with the data receiver identity included in the data transfer information.

S506, the service device sends prompt information to the user device, wherein the prompt information is used for prompting to input authentication information.

S507, the user equipment receives the prompt information sent by the service equipment and detects the authentication information responding to the input of the prompt information.

S508, the user equipment sends authentication information to the service equipment.

S509, the service equipment verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, and if the authentication information is not consistent with the stored registration authentication information bound to the smart card account, the step S510 is executed; if yes, go to step S511;

in the embodiment of the present invention, through the steps S506 to S509, the security of account data transfer can be effectively improved.

In the embodiment of the present invention, the authentication information and the registration authentication information bound to the smart card account are both authentication character strings, or the authentication information and the registration authentication information bound to the smart card account are both biometric information, or the authentication information and the registration authentication information bound to the smart card account are both combinations of authentication character strings and biometric information; the biological characteristic information comprises any one or combination of facial shape information, hand shape information, iris information, retina information and voiceprint information. S510, the service device sends an authentication failure message to the user device, and ends the process.

And S511, the service equipment sends a first data transfer confirmation request to the user equipment, wherein the first data transfer confirmation request comprises the intelligent card account number, the data transfer value, the data receiver identity and the data receiver account number matched with the data receiver identity.

S512, the user equipment receives the first data transfer confirmation request sent by the service equipment, detects an input first data transfer confirmation response aiming at the first data transfer confirmation request and sends the first data transfer confirmation response to the service equipment.

S513, the service device deducts the data transfer value from the account number of the smart card included in the data transfer information, and adds the data transfer value to the account number of the data receiver.

And S514, the service equipment sends data transfer result information to the user equipment, and the process is ended.

By implementing the method described in fig. 5, the tedious operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the method described in fig. 5, the service device may perform account data transfer only when the authentication passes and receives a first data transfer confirmation response sent by the user device for the first data transfer confirmation request, so that security of account data transfer may be effectively improved, that is, security of online payment may be improved.

Referring to fig. 6, fig. 6 is a flowchart of another account data transfer method disclosed in the embodiment of the present invention. As shown in fig. 6, the account data transfer method may include the following steps.

S601, the user equipment generates order information, and the order information comprises a data transfer value and a data receiver identity.

And S602, reading the account number of the smart card by the user equipment in an NFC mode.

S603, the user equipment generates data transfer information comprising the data transfer value, the identity of a data receiver and an account number of the intelligent card; wherein the data transfer information further comprises an identification of the user equipment.

In the embodiment of the present invention, the identifier of the ue may include a phone Number of the ue, an International Mobile Equipment identity Number (IMEI), or other information that can characterize the identity of the ue.

In the embodiment of the present invention, after the user equipment reads the smart card account in the NFC manner, the smart card account may be added to the order information, and the identifier of the user equipment is read and added to the order information, so as to form data transfer information including the data transfer value, the identifier of the data recipient, and the identifier of the smart card account and the user equipment.

S604, the user equipment responds to the input data transfer information sending instruction and sends the data transfer information to the service equipment.

In the embodiment of the present invention, the interface of the user equipment for executing the data migration information generated in the steps S602 to S603 may include a sending menu, and accordingly, the user equipment may detect a user operation (such as clicking) on the sending menu, send an instruction to the user equipment according to the input data migration information, and further, the user equipment may respond to the input data migration information sending instruction and send the data migration information to the service equipment through the internet.

S605, the service device receives the data transfer information sent by the user device, and inquires a data receiver account matched with the data receiver identity included in the data transfer information.

S606, the service equipment sends prompt information to the user equipment, and the prompt information is used for prompting to input authentication information.

S607, the user equipment receives the prompt message sent by the service equipment and detects the authentication information responding to the prompt message input.

S608, the user equipment sends the authentication information to the service equipment.

S609, the service equipment verifies that the authentication information is consistent with the stored registration authentication information bound with the smart card account, and if the authentication information is not consistent with the stored registration authentication information bound with the smart card account, the step S610 is executed; if yes, go to step S611;

in the embodiment of the invention, through the steps S606-S609, the security of account data transfer can be effectively improved.

S610, the service device sends an authentication failure message to the user device, and ends the process.

S611, the service equipment sends a first data transfer confirmation request to the user equipment, wherein the first data transfer confirmation request comprises the intelligent card account number, the data transfer value, the data receiver identity and the data receiver account number matched with the data receiver identity.

S612, the user equipment receives the first data transfer confirmation request sent by the service equipment, and detects an input first data transfer confirmation response to the first data transfer confirmation request, and sends the first data transfer confirmation response to the service equipment.

S613, the service equipment acquires the stored associated equipment identification bound to the intelligent card account.

In the embodiment of the present invention, the associated device may include a smart phone, a tablet computer, a palmtop computer, a Mobile Internet Device (MID), and other user devices.

In this embodiment of the present invention, the associated device identifier may include a phone Number or an International Mobile Equipment identity Number (IMEI) of the associated device, or other information capable of characterizing the identity of the associated device.

S614, the service equipment compares whether the associated equipment identification is the same as the identification of the user equipment included in the data transfer information, and if not, the steps S615-S618 are executed; if so, steps S617 to S618 are executed.

S615, if the identification of the associated equipment is different from the identification of the user equipment included in the data transfer information, the service equipment sends a second data transfer confirmation request to the associated equipment to which the identification of the associated equipment belongs, wherein the second data transfer confirmation request includes an account number of the intelligent card, a data transfer value, an identity identification of a data receiver and an account number of the data receiver matched with the identity identification of the data receiver.

S616, the associated device receives the second data transfer confirmation request sent by the service device, and detects that an input second data transfer confirmation response for the second data transfer confirmation request is sent to the service device.

S617, the service device deducts the data transfer value from the smart card account, and adds the data transfer value to the data recipient account.

S618, the service device sends the data transfer result information to the user device, and ends the process.

By implementing the method described in fig. 6, the tedious operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the method described in fig. 6, the service device may perform account data transfer only when the authentication passes and a first data transfer confirmation response sent by the user device for the first data transfer confirmation request and a second data transfer confirmation response sent by the associated device for the second data transfer confirmation request are received, so that security of account data transfer may be effectively improved, that is, security of online payment may be improved.

Referring to fig. 7, fig. 7 is a flowchart of another account data transfer method according to the embodiment of the present disclosure. As shown in fig. 7, the account data transfer method may include the following steps.

S701, the mobile phone device generates order information, and the order information comprises payment amount and identity of a payee.

And S702, reading the account number of the Unionpay IC card by the mobile phone device in an NFC mode.

S703, the mobile phone device generates payment information (namely data transfer information) comprising the payment amount, the identity of the payee and the account number of the Unionpay IC card; wherein the payment information further comprises an identification of the mobile phone device.

S704, the mobile phone device responds to the input payment information sending instruction and sends the payment information to a third party payment platform (namely, service device).

In the embodiment of the present invention, the interface for the mobile phone device to execute the payment information generated in the steps S702 to S703 may include a sending menu, and accordingly, the mobile phone device may detect a user operation (such as clicking) on the sending menu, send an instruction to the mobile phone device with the input payment information, further, the mobile phone device may respond to the input payment information sending instruction, and send the payment information to the third party payment platform through the internet.

S705, the third party payment platform receives the payment information sent by the mobile phone device, and inquires a payee account matched with the payee identity identification included in the payment information.

S706, the third party payment platform sends prompt information to the mobile phone device, and the prompt information is used for prompting to input authentication information.

And S707, the mobile phone device receives the prompt message sent by the third party payment platform and detects the fingerprint information input in response to the prompt message.

And S708, the mobile phone device sends the fingerprint information to the third-party payment platform.

S709, the third party payment platform verifies that the fingerprint information is consistent with the stored registered fingerprint information bound by the Unionpay IC card account, and if the fingerprint information is inconsistent with the stored registered fingerprint information, the step S710 is executed; if yes, go to step S711;

in the embodiment of the present invention, through the steps S706 to S709, the security of account data transfer can be effectively improved.

And S710, the third party payment platform sends a fingerprint authentication failure message to the mobile phone device, and the process is ended.

And S711, the third party payment platform sends a first payment confirmation request (namely a first data transfer confirmation request) to the mobile phone device, wherein the first payment confirmation request comprises a union pay IC card account number, a payment amount, a payee identity and a payee account number matched with the payee identity.

S712, the mobile phone device receives the first payment confirmation request sent by the third party payment platform, and detects that an input first payment confirmation response (i.e. a first data transfer confirmation response) for the first payment confirmation request is sent to the service device.

S713, the third party payment platform obtains the stored associated mobile phone identification bound with the smart card account.

S714, the third party payment platform compares whether the associated mobile phone identification is the same as the identification of the mobile phone equipment included in the payment information, and if not, the steps S715-S718 are executed; if so, steps S717 to S718 are executed.

And S715, if the associated mobile phone identifier is different from the identifier of the mobile phone device included in the payment information, the third-party payment platform sends a second payment confirmation request (namely a second data transfer confirmation request) to the associated mobile phone to which the associated mobile phone identifier belongs, wherein the second payment confirmation request comprises a UnionPay IC card account number, a payment amount, a payee identity identifier and a payee account number matched with the payee identity identifier.

S716, the associated mobile phone receives the second payment confirmation request sent by the third party payment platform, and detects that the input second payment confirmation response (i.e. the second data transfer confirmation response) for the second payment confirmation request is sent to the third party payment platform.

And S717, the third party payment platform deducts the payment amount from the Unionpay IC card account, and adds the payment amount to the payee account.

And S718, the third-party payment platform sends payment result information to the mobile phone device, and the process is ended.

By implementing the method described in fig. 7, the tedious operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the method described in fig. 7, the third party payment platform may perform online payment only when the authentication passes and receives the first payment confirmation response to the first payment confirmation request sent by the mobile phone device and the second payment confirmation response to the second payment confirmation request sent by the associated device, so that the security of online payment may be effectively improved.

Please refer to fig. 8, which is a schematic structural diagram of a user equipment according to an embodiment of the present invention, where the user equipment executes an account data transfer method. As shown in fig. 8, the user equipment 800 may include:

an order information generating unit 801, configured to generate order information by a user equipment, where the order information includes a data transfer value and a data recipient identity;

a reading unit 802, configured to read a smart card account in an NFC manner;

a transfer information generating unit 803, configured to generate data transfer information including the data transfer value, the data recipient identity, and the smart card account;

a sending unit 804, configured to send the data transfer information to the service device in response to an input data transfer information sending instruction, so that the service device queries a data receiver account matched with a data receiver identity included in the data transfer information, and the service device deducts a data transfer value from the smart card account and adds the data transfer value to the data receiver account.

In this embodiment of the present invention, the user equipment 800 shown in fig. 8 further includes:

a receiving unit 805 configured to receive prompt information sent by the service device after the sending unit 804 sends the data transfer information to the service device in response to the input data transfer information sending instruction, where the prompt information is used to prompt for inputting authentication information;

a detection unit 806 for detecting authentication information in response to the input of the prompt information;

correspondingly, the sending unit 804 is further configured to send the authentication information to the service device, so that after the service device queries a data receiver account matched with the data receiver identity included in the data transfer information, it is checked whether the authentication information is consistent with the stored registration authentication information bound to the smart card account, if so, the service device performs a step of deducting a data transfer value from the smart card account, and adding the data transfer value to the data receiver account, so as to improve security of account data transfer.

In the embodiment of the present invention, in the user equipment 800 shown in fig. 8:

the receiving unit 805 is further configured to receive a first data transfer confirmation request sent by the service device after the sending unit 804 sends the authentication information to the service device, where the first data transfer confirmation request includes a smart card account, a data transfer value, a data receiver identity, and a data receiver account matched with the data receiver identity;

a detecting unit 806, further configured to detect an input first data transfer confirmation response to the first data transfer confirmation request;

correspondingly, the sending unit 804 is further configured to send a first data transfer confirmation response to the first data transfer confirmation request to the service device, so that after the service device verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, it first detects whether the first data transfer confirmation response to the first data transfer confirmation request sent by the user device is received, and if so, performs a step of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account, so as to further improve security of account data transfer.

By implementing the user equipment described in fig. 8, the complicated operation caused by manually inputting account information by a user can be omitted in the online payment process, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the user equipment described in fig. 8, the service device may perform data transfer only when the authentication passes and/or receives a first data transfer confirmation response sent by the user equipment to the first data transfer confirmation request, so that the security of account data transfer may be effectively improved.

Referring to fig. 9, fig. 9 is a schematic structural diagram of another ue according to the disclosure of the embodiment of the present invention. As shown in fig. 9, the user equipment 900 may include: at least one processor 901, e.g., a CPU, at least one network interface 902, a user interface 903, a memory 904, an NFC module 905, at least one communication bus 906. A communication bus 906 is used to enable, among other things, connectivity communication between these components. The user interface 903 may include a Display (Display), a Keyboard (Keyboard), and the like. The memory 904 may be a high-speed RAM memory or a non-volatile memory (e.g., at least one disk memory). The memory 904 may optionally be at least one storage device located remotely from the processor 901. As shown in fig. 9, the memory 904, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an account data transfer program.

In the user equipment 900 shown in fig. 9, the network interface 902 is mainly used for connecting the service equipment for data communication; and the processor 901 may be configured to call the account data transfer program stored in the memory 904 and perform the following operations:

generating order information, wherein the order information comprises a data transfer value and a data receiver identity;

controlling the NFC module 905 to read the smart card account in an NFC manner;

generating data transfer information comprising a data transfer value, a data receiver identity and an intelligent card account;

receiving an input data transfer information sending instruction through the user interface 903;

in response to the input data transfer information sending instruction, the data transfer information is sent to the service device through the network interface 902, so that the service device queries a data receiver account matched with the data receiver identity included in the data transfer information, and the service device deducts a data transfer value from the smart card account and adds the data transfer value to the data receiver account.

In this embodiment of the present invention, the processor 901 invokes the account data transfer program stored in the memory 904, and may further perform the following operations:

after responding to the input data transfer information sending instruction and sending data transfer information to the service equipment through the network interface 902, receiving prompt information sent by the service equipment through the network interface 902 and outputting the prompt information to the user interface 903, wherein the prompt information is used for prompting to input authentication information;

detecting authentication information in response to the prompt information input through the user interface 903;

the authentication information is sent to the service device through the network interface 902, so that after the service device queries a data receiver account matched with the data receiver identity included in the data transfer information, it is checked whether the authentication information is consistent with the stored registration authentication information bound to the smart card account, if so, the service device performs the steps of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account, so as to improve the security of account data transfer.

after the authentication information is sent to the service equipment through the network interface 902, a first data transfer confirmation request sent by the service equipment is received through the user network interface 902 and output to the user interface 903, wherein the first data transfer confirmation request comprises an intelligent card account number, a data transfer value, a data receiver identity and a data receiver account number matched with the data receiver identity;

the method comprises the steps of detecting that an input first data transfer confirmation response aiming at a first data transfer confirmation request is sent to service equipment through a user interface 903, so that after the service equipment verifies that the authentication information is consistent with stored registration authentication information bound to a smart card account, whether the first data transfer confirmation response aiming at the first data transfer confirmation request sent by the user equipment is received or not is detected, and if the first data transfer confirmation response is received, a step of deducting a data transfer value from the smart card account and adding the data transfer value to an account of a data receiving party is executed, so that the security of account data transfer is further improved.

By implementing the user equipment described in fig. 9, the complicated operation caused by manually inputting account information by a user can be omitted in the online payment process, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the user equipment described in fig. 9, the service device may perform data transfer only when the authentication passes and/or receives a first data transfer confirmation response sent by the user equipment to the first data transfer confirmation request, so that the security of account data transfer may be effectively improved.

Referring to fig. 10, fig. 10 is a schematic structural diagram of a service device according to an embodiment of the present invention, where the service device is configured to execute an account data transfer method. As shown in fig. 10, the service apparatus 1000 may include:

a receiving unit 1001, configured to receive data transfer information sent by user equipment, where the data transfer information is generated by the user equipment reading an account of a smart card in an NFC manner after generating order information including a data transfer value and an identity of a data recipient, and the data transfer information includes the data transfer value, the identity of the data recipient, and the account of the smart card;

the query unit 1002 is configured to query a data receiver account matched with the data receiver identity included in the data transfer information;

a transfer unit 1003, configured to deduct a data transfer value from the smart card account, and add the data transfer value to the data recipient account.

In this embodiment of the present invention, the service apparatus 1000 shown in fig. 10 further includes:

a first interaction unit 1004, configured to send, after the query unit 1002 queries a data recipient account matched with the data recipient identity included in the data transfer information, prompt information to the user equipment, where the prompt information is used to prompt to input authentication information; receiving authentication information sent by the user equipment;

a checking unit 1005, configured to check that the authentication information is consistent with the registration authentication information bound to the stored smart card account, and if the authentication information is consistent, trigger the transferring unit 1003 to deduct the data transfer value from the smart card account, and add the data transfer value to the data recipient account.

Referring to fig. 11, fig. 11 is a schematic structural diagram of another service device according to an embodiment of the disclosure. The service device shown in fig. 11 is optimized by the service device shown in fig. 10. Compared to the service apparatus shown in fig. 10, the service apparatus 1000 shown in fig. 11 further includes:

a second interaction unit 1006, configured to send a first data transfer confirmation request to the user equipment after the verification unit 1005 verifies that the authentication information is consistent with the registration authentication information bound to the stored smart card account, where the first data transfer confirmation request includes a smart card account, a data transfer value, a data recipient identity, and a data recipient account matched with the data recipient identity; and receiving a first data transfer confirmation response sent by the user equipment and aiming at the first data transfer confirmation request, triggering the transfer unit 1003 to deduct a data transfer value from the account of the smart card, and adding the data transfer value to the account of the data receiver.

In this embodiment of the present invention, the data transfer information further includes an identifier of the user equipment. Accordingly, referring to fig. 12, fig. 12 is a schematic structural diagram of another service device disclosed in the embodiment of the present invention. The service device shown in fig. 12 is optimized by the service device shown in fig. 11. Compared to the service apparatus shown in fig. 11, the service apparatus 1000 shown in fig. 12 further includes:

an obtaining unit 1007, configured to obtain a stored associated device identifier bound to the smart card account after the second interacting unit 1006 receives a first data transfer confirmation response sent by the user equipment and directed to the first data transfer confirmation request;

a comparing unit 1008, configured to compare whether the associated device identifier is the same as the identifier of the user equipment;

a third interacting unit 1009, configured to send a second data transfer confirmation request to the associated device to which the associated device identifier belongs when the comparing unit 1008 compares that the identifier of the associated device is different from the identifier of the user device, where the second data transfer confirmation request includes a smart card account, a data transfer value, a data receiver identity identifier, and a data receiver account matched with the data receiver identity identifier; and receiving a second data transfer response sent by the associated device for the second data transfer request, triggering the transfer unit 1003 to deduct a data transfer value from the smart card account, and adding the data transfer value to the data recipient account.

By implementing the service devices described in fig. 10 to 12, the complicated operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the service device described in fig. 10 to 12, security of account data transfer can be effectively improved.

Referring to fig. 13, fig. 13 is a schematic structural diagram of another service device according to an embodiment of the disclosure. As shown in fig. 13, the service apparatus 1300 may include: at least one processor 1301, such as a CPU, at least one network interface 1302, a user interface 1303, memory 1304, a database unit 1305, at least one communication bus 1306. Wherein a communication bus 1306 is used to enable connective communication between these components. The user interface 1303 may include a Display (Display), a Keyboard (Keyboard), and the like. The memory 1304 may be a high-speed RAM memory or a non-volatile memory (e.g., at least one disk memory). The memory 1304 may optionally be at least one memory device located remotely from the processor 1301. As shown in fig. 13, the memory 1304, which is a type of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an account data transfer program.

In the service apparatus 1300 shown in fig. 13, the network interface 1302 is mainly used for connecting the user equipment for data communication; and the processor 1301 may be configured to invoke the account data transfer program stored in the memory 1304 and perform the following operations:

receiving data transfer information sent by a user equipment through a network interface 1302, wherein the data transfer information is generated by reading an account of a smart card by the user equipment in a near field communication mode after the user equipment generates order information including a data transfer value and an identity of a data receiver;

querying a data receiver account matched with the data receiver identity included in the data transfer information from the database unit 1305;

and deducting the data transfer value from the account number of the intelligent card, and adding the data transfer value to the account number of the data receiver.

In this embodiment of the present invention, the processor 1301 invokes the account data transfer program stored in the memory 1304, and may further perform the following operations:

after querying a data receiver account matched with a data receiver identity included in the data transfer information from the database unit 1305 and deducting a data transfer value from a smart card account, and before adding the data transfer value to the data receiver account, sending prompt information to the user equipment through the network interface 1302, where the prompt information is used to prompt to input authentication information and receive the authentication information sent by the user equipment through the network interface 1302;

and checking whether the authentication information is consistent with the registration authentication information bound to the smart card account stored in the database unit 1305, and if so, performing the step of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account.

after verifying that the authentication information is consistent with the registration authentication information bound to the stored smart card account, and before deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account, sending a first data transfer confirmation request to the user equipment through the network interface 1302, wherein the first data transfer confirmation request comprises the smart card account, the data transfer value, a data receiver identity and a data receiver account matched with the data receiver identity;

and receiving a first data transfer confirmation response sent by the user equipment for the first data transfer confirmation request through the network interface 1302, and performing the steps of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account.

In this embodiment of the present invention, the data transfer information may further include an identifier of the user equipment, and accordingly, the processor 1301 invoking the account data transfer program stored in the memory 1304 may further perform the following operations:

after receiving a first data transfer confirmation response sent by the user equipment and aiming at the first data transfer confirmation request through the network interface 1302, and before deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account, acquiring a stored associated equipment identifier bound by the smart card account from the database unit 13058;

comparing whether the associated equipment identification is the same as the identification of the user equipment;

if the comparison association device identifier is not the same as the identifier of the user device, sending a second data transfer confirmation request to the association device to which the association device identifier belongs through the network interface 1302, wherein the second data transfer confirmation request comprises a smart card account, a data transfer value, a data receiver identity identifier and a data receiver account matched with the data receiver identity identifier;

and receiving a second data transfer response to the second data transfer request sent by the associated device through the network interface 1302, and performing the steps of deducting the data transfer value from the smart card account and adding the data transfer value to the data receiver account.

By implementing the service device described in fig. 13, the complicated operation caused by manually inputting account information by a user can be omitted in the online payment process, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the service device described in fig. 13, security of account data transfer can be effectively improved.

Referring to fig. 14, fig. 14 is a schematic structural diagram of an account data transfer system according to an embodiment of the present disclosure. As shown in fig. 14, the system may include a user device 1401, a smart card 1402, and a service device 1403, wherein the user device 1401 and the service device 1403 are connected via the internet.

The user equipment 1401 is configured to read a smart card account of the smart card 1402 in an NFC manner after order information is generated, where the order information includes a data transfer value and a data recipient identity;

the user equipment 1401 is also used for generating data transfer information comprising a data transfer value, a data receiver identity and an intelligent card account;

the user equipment 1401 is further configured to respond to the input data transfer information sending instruction, and send data transfer information to the service equipment 1403;

the service device 1403 is configured to query a data receiver account matched with the data receiver identity included in the data transfer information;

the service device 1403 is further configured to deduct the data transfer value from the smart card account and add the data transfer value to the data receiver account.

In this embodiment of the present invention, the service device 1403 is further configured to send a prompt message to the user device 1401 after querying a data receiver account number matched with the data receiver identity included in the data transfer information, and after deducting the data transfer value from the smart card account number and before adding the data transfer value to the data receiver account number, where the prompt message is used to prompt to input authentication information;

the user equipment 1401 is further configured to receive the prompt information sent by the service equipment 1403;

the user equipment 1401, is also used for detecting the authentication information responding to the prompt message input;

user equipment 1401 further configured to send authentication information to service equipment 1403;

the service device 1403 is further configured to check whether the authentication information is consistent with the registration authentication information bound to the stored smart card account, and if so, perform a step of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account.

In this embodiment of the present invention, the service device 1403 is further configured to send a first data transfer confirmation request to the user device 1401 after verifying that the authentication information is consistent with the registration authentication information bound to the stored smart card account, and before deducting the data transfer value from the smart card account and adding the data transfer value to the data receiver account, where the first data transfer confirmation request includes the smart card account, the data transfer value, the data receiver identity identifier, and the data receiver identity identifier matched data receiver account;

the user equipment 1401 is further configured to receive a first data transfer confirmation request sent by the service equipment 1402, and detect that an input first data transfer confirmation response to the first data transfer confirmation request is sent to the service equipment 1403;

the service device 1403 is further configured to receive a first data transfer confirmation response sent by the user device 1401 for the first data transfer confirmation request, and perform the steps of deducting a data transfer value from the smart card account and adding the data transfer value to the data receiver account.

In this embodiment of the present invention, the data transfer information further includes an identifier of the user equipment 1401; the service device 1403 is further configured to obtain the stored associated device identifier bound to the smart card account after receiving a first data transfer confirmation response sent by the user device 1401 and directed to the first data transfer confirmation request;

the service device 1403 is further configured to compare whether the identifier of the associated device is the same as the identifier of the user device 1401, and if the identifier of the associated device is not the same as the identifier of the user device 1401, send a second data transfer confirmation request to the associated device 1404 to which the identifier of the associated device belongs, where the second data transfer confirmation request includes a smart card account, a data transfer value, a data receiver identity identifier, and a data receiver account matched with the data receiver identity identifier;

an association device 1401, configured to receive the second data transfer confirmation request sent by the service device 1403, and detect that an input second data transfer confirmation response for the second data transfer confirmation request is sent to the service device 1403;

the service device 1403 is further configured to receive a second data transfer confirmation response sent by the association device 1404 for the second data transfer confirmation request, and perform the steps of deducting the data transfer value from the smart card account and adding the data transfer value to the data receiver account.

By implementing the system described in fig. 14, the tedious operation caused by manually inputting account information by a user in the online payment process can be omitted, so that the online payment operation can be simplified, and the online payment efficiency can be improved; in addition, by implementing the system described in fig. 14, the security of account data transfer can be effectively improved.

It will be understood by those skilled in the art that all or part of the steps in the methods of the embodiments described above may be implemented by hardware instructions of a program, and the program may be stored in a computer-readable storage medium, where the storage medium includes Read-Only Memory (ROM), Random Access Memory (RAM), Programmable Read-Only Memory (PROM), Erasable Programmable Read-Only Memory (EPROM), One-time Programmable Read-Only Memory (OTPROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Compact Disc Read-Only Memory (CD-ROM), or other Memory, such as a magnetic disk, or a combination thereof, A tape memory, or any other medium readable by a computer that can be used to carry or store data.

The account data transfer method, the related device and the system disclosed in the embodiment of the present invention are described in detail above, a specific example is applied in the description to explain the principle and the implementation of the present invention, and the description of the above embodiment is only used to help understanding the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. An account data transfer method is characterized by comprising the following steps:

the user equipment adds the intelligent card account to the order information to generate data transfer information comprising the data transfer value, the identity of the data receiver and the intelligent card account, wherein the data transfer information also comprises the identity of the user equipment;

the service equipment acquires the stored associated equipment identification bound to the smart card account;

the service equipment compares whether the associated equipment identification is the same as the identification of the user equipment;

if the correlation equipment identification is different from the identification of the user equipment in comparison, the service equipment sends a second data transfer confirmation request to the correlation equipment to which the correlation equipment identification belongs, wherein the second data transfer confirmation request comprises the intelligent card account, the data transfer value, the data receiver identity identification and the data receiver account matched with the data receiver identity identification;

the associated equipment receives the second data transfer confirmation request sent by the service equipment, and detects an input second data transfer confirmation response aiming at the second data transfer confirmation request and sends the input second data transfer confirmation response to the service equipment;

and the service equipment receives a second data transfer confirmation response which is sent by the associated equipment and aims at the second data transfer confirmation request, deducts the data transfer value from the account number of the intelligent card, and adds the data transfer value to the account number of the data receiver.

2. The method according to claim 1, wherein after the service device queries a data receiver account matching the data receiver identity included in the data transfer information, the method further comprises:

the service equipment sends prompt information to the user equipment, wherein the prompt information is used for prompting to input authentication information;

the user equipment receives the prompt information sent by the service equipment;

the user equipment detects authentication information input by responding to the prompt information;

the user equipment sends the authentication information to the service equipment;

and the service equipment checks whether the authentication information is consistent with the stored registration authentication information bound to the intelligent card account, and if so, the service equipment performs the steps of deducting the data transfer value from the intelligent card account and adding the data transfer value to the account of the data receiver.

3. The method of claim 2, wherein after the service device verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, the method further comprises:

the service equipment sends a first data transfer confirmation request to the user equipment, wherein the first data transfer confirmation request comprises the intelligent card account, the data transfer value, the data receiver identity and the data receiver account matched with the data receiver identity;

the user equipment receives the first data transfer confirmation request sent by the service equipment, detects an input first data transfer confirmation response aiming at the first data transfer confirmation request and sends the input first data transfer confirmation response to the service equipment;

and the service equipment receives a first data transfer confirmation response which is sent by the user equipment and aims at the first data transfer confirmation request, and executes the steps of deducting the data transfer value from the account number of the intelligent card and adding the data transfer value to the account number of the data receiver.

4. An account data transfer method is characterized by comprising the following steps:

the user equipment adds the intelligent card account to the order information to generate data transfer information comprising the data transfer value, the data receiver identity identification and the intelligent card account, wherein the data transfer information further comprises an identification of the user equipment, the identification of the user equipment is used for acquiring a stored associated equipment identification bound with the intelligent card account by service equipment connected with the user equipment, comparing whether the associated equipment identification is the same as the identification of the user equipment, if the associated equipment identification is not the same as the identification of the user equipment, sending a second data transfer confirmation request to associated equipment to which the associated equipment identification belongs, and the second data transfer confirmation request comprises the intelligent card account, the data transfer value, the data receiver identity identification and the data receiver identity identification which are matched with each other, the associated equipment receives the second data transfer confirmation request sent by the service equipment, detects an input second data transfer confirmation response aiming at the second data transfer confirmation request and sends the input second data transfer confirmation response to the service equipment, receives the second data transfer confirmation response aiming at the second data transfer confirmation request and sent by the associated equipment, deducts the data transfer value from the account number of the smart card and adds the data transfer value to the account number of the data receiving party;

5. The method of claim 4, wherein after the user equipment sends the data transfer information to the service equipment in response to the input data transfer information sending instruction, the method further comprises:

the user equipment receives prompt information sent by the service equipment, wherein the prompt information is used for prompting to input authentication information;

and the user equipment sends the authentication information to the service equipment.

6. An account data transfer method is characterized by comprising the following steps:

the method comprises the steps that service equipment receives data transfer information sent by user equipment, wherein the data transfer information is generated by reading an intelligent card account in a near field communication mode by the user equipment after the user equipment generates order information comprising a data transfer value and a data receiver identity, adding the intelligent card account to the order information, and comprises the data transfer value, the data receiver identity and the intelligent card account, and the data transfer information also comprises an identity of the user equipment;

7. The method according to claim 6, wherein after the service device queries a data receiver account matching the data receiver identity included in the data transfer information, the method further comprises:

the service equipment receives authentication information sent by the user equipment;

8. The method of claim 7, wherein after the service device verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, the method further comprises:

9. The user equipment is characterized by being used for executing an account data transfer method and comprising the following steps:

a transfer information generating unit, configured to add the smart card account to the order information, and generate data transfer information including the data transfer value, the data recipient identity, and the smart card account, where the data transfer information further includes an identifier of a user equipment, where the identifier of the user equipment is used for obtaining, by a service device connected to the user equipment, a stored associated device identifier bound to the smart card account, comparing whether the associated device identifier is the same as the identifier of the user equipment, and if the associated device identifier is not the same as the identifier of the user equipment, sending a second data transfer confirmation request to an associated device to which the associated device identifier belongs, where the second data transfer confirmation request includes the smart card account, the data transfer value, the data recipient identity, and the data recipient account matching the data recipient identity, the associated equipment receives the second data transfer confirmation request sent by the service equipment, detects an input second data transfer confirmation response aiming at the second data transfer confirmation request and sends the input second data transfer confirmation response to the service equipment, receives the second data transfer confirmation response aiming at the second data transfer confirmation request and sent by the associated equipment, deducts the data transfer value from the account number of the smart card and adds the data transfer value to the account number of the data receiving party;

10. The user equipment of claim 9, further comprising:

a receiving unit, configured to receive prompt information sent by a service device after the sending unit sends the data transfer information to the service device in response to an input data transfer information sending instruction, where the prompt information is used to prompt to input authentication information;

a detection unit for detecting authentication information input in response to the prompt information;

the sending unit is further configured to send the authentication information to the service device.

11. The service equipment is characterized by being used for executing an account data transfer method, and comprising the following steps:

the data transfer information comprises a data transfer value, a data receiver identity and data transfer information generated by the order information, wherein the data transfer information comprises a user equipment identity, a data receiver identity and a user equipment identity;

the acquisition unit is used for acquiring the stored associated equipment identifier bound by the intelligent card account;

a comparing unit, configured to compare whether the associated device identifier is the same as the identifier of the user equipment;

a third interaction unit, configured to send a second data transfer confirmation request to the associated device to which the associated device identifier belongs when the comparison unit compares that the associated device identifier is different from the identifier of the user device, where the second data transfer confirmation request includes the smart card account, the data transfer value, and the data receiver account matched with the data receiver identity identifier; receiving a second data transfer response sent by the associated equipment aiming at the second data transfer request;

and the transfer unit is used for deducting the data transfer value from the account of the smart card and adding the data transfer value to the account of the data receiver after the third interaction unit receives a second data transfer response which is sent by the associated equipment and aims at the second data transfer request.

12. The service apparatus according to claim 11, further comprising:

the first interaction unit is used for sending prompt information to the user equipment after the inquiry unit inquires a data receiver account matched with the data receiver identity included in the data transfer information, wherein the prompt information is used for prompting to input authentication information; receiving authentication information sent by the user equipment;

and the verification unit is used for verifying whether the authentication information is consistent with the stored registration authentication information bound to the intelligent card account, and if so, triggering the transfer unit to execute the step of deducting the data transfer value from the intelligent card account and adding the data transfer value to the account of the data receiver.

13. The service apparatus according to claim 12, further comprising:

the second interaction unit is used for sending a first data transfer confirmation request to the user equipment after the verification unit verifies that the authentication information is consistent with the stored registration authentication information bound to the smart card account, wherein the first data transfer confirmation request comprises the smart card account, the data transfer value, the data receiver identity and the data receiver account matched with the data receiver identity; and receiving a first data transfer confirmation response aiming at the first data transfer confirmation request sent by the user equipment, triggering the transfer unit to execute the steps of deducting the data transfer value from the account of the smart card and adding the data transfer value to the account of the data receiver.

14. An account data transfer system is characterized by comprising user equipment, a smart card and service equipment:

the user equipment is further configured to add the smart card account to the order information, and generate data transfer information including the data transfer value, the identity of the data recipient, and the smart card account, where the data transfer information further includes an identifier of the user equipment;

the service equipment is also used for acquiring the stored associated equipment identification bound to the intelligent card account;

the service device is further configured to compare whether the associated device identifier is the same as the identifier of the user device, and if the associated device identifier is not the same as the identifier of the user device, send a second data transfer confirmation request to the associated device to which the associated device identifier belongs, where the second data transfer confirmation request includes the smart card account, the data transfer value, the data receiver identity identifier, and the data receiver account matched with the data receiver identity identifier;

the association device is configured to receive the second data transfer confirmation request sent by the service device, and detect that an input second data transfer confirmation response to the second data transfer confirmation request is sent to the service device;

the service device is further configured to receive a second data transfer confirmation response sent by the association device for the second data transfer confirmation request;

15. The system of claim 14,

the service equipment is further configured to send prompt information to the user equipment after querying a data receiver account matched with the data receiver identity included in the data transfer information, where the prompt information is used to prompt for inputting authentication information;

the user equipment is also used for receiving the prompt information sent by the service equipment;

the user equipment is also used for detecting authentication information input by responding to the prompt information;

the user equipment is further used for sending the authentication information to the service equipment;

the service equipment is further configured to check whether the authentication information is consistent with the stored registration authentication information bound to the smart card account, and if so, execute the step of deducting the data transfer value from the smart card account and adding the data transfer value to the data receiver account.

16. The system of claim 15,

the service equipment is further configured to send a first data transfer confirmation request to the user equipment after verifying that the authentication information is consistent with the stored registration authentication information bound to the smart card account, where the first data transfer confirmation request includes the smart card account, the data transfer value, the data receiver identity, and the data receiver account matched with the data receiver identity;

the user equipment is further configured to receive the first data transfer confirmation request sent by the service equipment, and detect that an input first data transfer confirmation response for the first data transfer confirmation request is sent to the service equipment;

the service device is further configured to receive a first data transfer confirmation response sent by the user device and directed to the first data transfer confirmation request, and perform the step of deducting the data transfer value from the smart card account and adding the data transfer value to the data receiver account.

17. A user device comprising a processor, a network interface and a memory, wherein the memory stores a computer program comprising program instructions, and wherein the processor is configured to invoke the program instructions to perform the method of any of claims 4 to 5.

18. A service device comprising a processor, a network interface and a memory, wherein the memory stores a computer program comprising program instructions, and wherein the processor is configured to invoke the program instructions to perform the method of any of claims 6-9.

19. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions which, when executed by a processor, perform the method according to any of claims 4-9.