CN105427169A - Security information interaction method for resource transfer - Google Patents
Security information interaction method for resource transfer Download PDFInfo
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- CN105427169A CN105427169A CN201410473430.5A CN201410473430A CN105427169A CN 105427169 A CN105427169 A CN 105427169A CN 201410473430 A CN201410473430 A CN 201410473430A CN 105427169 A CN105427169 A CN 105427169A
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Abstract
The invention brings forward a security information interaction method for resource transfer. The method includes the following steps: a resource transfer party sends a resource transfer request to a data processing server of a service provider through a network user interface of the service provider; the data processing server of the service provider carries out resource transfer according to the resource transfer request and generates resource transfer information associated with the resource transfer; the resource transfer party sends a resource extraction short message check code to a resource receiver in a specific way; and the resource receiver obtains, on the basis of the resource extraction short message check code, physical resources the quota of which is equal to that of electronic resources to be transferred from an associated network branch of the service provider. The security information interaction method for resource transfer exhibits high use convenience and high security.
Description
Technical field
The present invention relates to safety information interaction method, more specifically, relate to the safety information interaction method for resource transfers.
Background technology
At present, along with the becoming increasingly abundant of class of business of the increasingly extensive and different field of cyber-net application, mutual (namely higher to security requirement information interaction, such as, transaction processing process in the financial field) method of safety information becomes more and more important.
There are the following problems for the existing safety information interaction method for resource transfers: (1) resource take over party is difficult to directly to receive physical resource (such as cash) or receives and the equipment of the e-sourcing of physical resource equivalence and ability and be difficult to receive e-sourcing or be difficult to the e-sourcing received (such as electronic money) to convert to physical resource (such as cash) owing to not having, therefore operation is inconvenient; (2) the resource side of shifting out initiated and complete resource transfers operation and resource take over party also actual obtain the resource shifted before, the resource side of shifting out can not this resource transfers of immediate cancel operate, be difficult to the potential safety hazard (the relevant information input error of such as resource take over party) avoiding some potential thus, thus security is reduced.
Therefore, there is following demand: provide and there is high property easy to use and the safety information interaction method for resource transfers of high security.
Summary of the invention
In order to solve the problem existing for above-mentioned prior art, the present invention proposes and there is high property easy to use and the safety information interaction method for resource transfers of high security.
The object of the invention is to be achieved through the following technical solutions:
For a safety information interaction method for resource transfers, the described safety information interaction method for resource transfers comprises the following steps:
(A1) the resource side of shifting out sends resource transfers request via the network user interface of service provider to the data processing server of service provider, wherein, described resource transfers request comprises the amount of e-sourcing to be transferred (such as, this e-sourcing can by resource recipient for exchanging physical resource of equal value for), the cell-phone number of resource take over party, the Resource Storage identification number that is associated with the described resource side of shifting out;
(A2) data processing server of described service provider operates based on described resource transfers request enforcement resource transfers and generates the resource transfers information be associated with this resource transfers, send to the described resource side of shifting out to point out resource transfers successful operation in the mode of note described resource transfers information thereupon, wherein, described resource transfers packets of information is containing Resource Access note check code;
(A3) described Resource Access note check code is sent to resource take over party by the described resource side of shifting out in a particular manner;
(A4) described resource take over party obtains the physical resource equal with the amount of described e-sourcing to be transferred to complete resource transfers process based on described Resource Access note check code at the relevant site place of service provider.
In scheme disclosed above, preferably, described step (A1) comprises further: before the described resource side of shifting out sends described resource transfers request, the identity of mode to the described resource side of shifting out that the data processing server of described service provider is verified by note is verified, and only allows the described resource side of shifting out to send described resource transfers request when the result of described authentication is " success ".
In scheme disclosed above, preferably, described resource transfers operation comprises: (1) determines whether the amount of e-sourcing to be transferred exceedes the remaining sum in the Resource Storage representated by Resource Storage identification number be associated with the described resource side of shifting out, and if exceed described remaining sum, then stop resource transfers operate and point out the described resource side of shifting out resource transfers operation failure, if and do not exceed described remaining sum, then enter step (2); (2) freeze the e-sourcing equal with the amount of e-sourcing to be transferred in the Resource Storage representated by Resource Storage identification number that is associated with the described resource side of shifting out, and complete corresponding resource and mark preparation.
In scheme disclosed above, preferably, described step (A4) comprises further: (1) described resource take over party inputs the amount of described Resource Access note check code and e-sourcing to be transferred with the data processing server transmission Resource Access request to described service provider the relevant site place Delegation Server personnel of service provider to safety information interactive terminal; (2) amount of data processing server to described Resource Access note check code and e-sourcing to be transferred of described service provider carries out matching checking, and after being proved to be successful, generating dynamic verification code, described dynamic verification code being sent to the mobile phone of described resource take over party thereupon; (3) described resource take over party entrusts described attendant via described safety information interactive terminal, described dynamic verification code to be sent back the data processing server of described service provider thereupon; (4) data processing server of described service provider verifies the validity of described dynamic verification code, and after being verified, described frozen e-sourcing to be transferred is transferred in the Resource Storage (such as the account of the correspondence of described attendant) of the correspondence of described attendant and to described safety information interactive terminal and sends Resource Access success instruction, send Resource Access in the mode of note to the described resource side of shifting out and described resource take over party simultaneously and successfully remind; (5) described safety information interactive terminal print resource extraction voucher thereupon, and pay corresponding physical resource according to the amount that described Resource Access voucher records to described resource take over party.
In scheme disclosed above, preferably, during described resource transfers operation has completed and described e-sourcing to be transferred is not extracted, the described resource side of shifting out can cancel via the network user interface of service provider the resource transfers process be associated with described resource transfers request at any time, and the data processing server of described service provider thaws e-sourcing on hold thereupon.
In scheme disclosed above, preferably, after described resource transfers operation is done, if described resource take over party does not extract described e-sourcing to be transferred and described resource shifts out Fang Wei cancels the resource transfers process be associated with described resource transfers request in predetermined time threshold value, then the data processing server of described service provider automatically cancels the resource transfers process and the e-sourcing on hold that thereupon thaws that are associated with described resource transfers request.
Safety information interaction method for resource transfers disclosed in this invention has following advantages: (1) is easy to convert the e-sourcing received (such as electronic money) to physical resource (such as cash) due to resource take over party, therefore easy and simple to handle; (2) due to initiated in the resource side of shifting out and complete resource transfers operation and before the resource take over party resource that also non-actual extracting has shifted, resource shifts out to reach cancels the operation of this resource transfers at any time, therefore some potential potential safety hazards (the relevant information input error of such as resource take over party) can be avoided, thus considerably improve security.
Accompanying drawing explanation
By reference to the accompanying drawings, technical characteristic of the present invention and advantage will be understood better by those skilled in the art, wherein:
Fig. 1 is according to an embodiment of the invention for the process flow diagram of the safety information interaction method of resource transfers.
Embodiment
Fig. 1 is according to an embodiment of the invention for the process flow diagram of the safety information interaction method of resource transfers.As shown in Figure 1, safety information interaction method for resource transfers disclosed in this invention comprises the following steps: that (A1) resource side of shifting out (such as transferor) sends resource transfers request via the network user interface (related web site of such as bank or the client run in mobile phone) of service provider to the data processing server of service provider, wherein, described resource transfers request comprises e-sourcing to be transferred (such as, this e-sourcing can by resource recipient for exchanging physical resource of equal value for) amount, the cell-phone number of resource take over party, the Resource Storage identification number (such as bank card number) (these information are inputted by this network user interface by the resource side of shifting out) be associated with the described resource side of shifting out, (A2) data processing server of described service provider operates based on described resource transfers request enforcement resource transfers and generates the resource transfers information be associated with this resource transfers, send to the described resource side of shifting out to point out resource transfers successful operation in the mode of note described resource transfers information thereupon, wherein, described resource transfers packets of information is containing Resource Access note check code, (A3) the described resource side of shifting out in a particular manner (mode of such as SMS or the mode told by telephone) described Resource Access note check code is sent to resource take over party, (A4) described resource take over party obtains the physical resource (such as cash) equal with the amount of described e-sourcing to be transferred (such as electronics deposit) to complete resource transfers process based on described Resource Access note check code at the relevant site place of service provider.
Preferably, disclosed in this invention in the safety information interaction method of resource transfers, described step (A1) comprises further: before the described resource side of shifting out sends described resource transfers request, the identity of mode to the described resource side of shifting out that the data processing server of described service provider is verified by note is verified, and only allows the described resource side of shifting out to send described resource transfers request when the result of described authentication is " success ".
Preferably, disclosed in this invention in the safety information interaction method of resource transfers, described resource transfers operation comprises: (1) determines whether the amount of e-sourcing to be transferred exceedes the remaining sum in the Resource Storage representated by Resource Storage identification number be associated with the described resource side of shifting out, and if exceed described remaining sum, then stop resource transfers operate and point out the described resource side of shifting out resource transfers operation failure, if and do not exceed described remaining sum, then enter step (2); (2) freeze the e-sourcing equal with the amount of e-sourcing to be transferred in the Resource Storage representated by Resource Storage identification number that is associated with the described resource side of shifting out, and complete corresponding resource and mark preparation.
Preferably, disclosed in this invention in the safety information interaction method of resource transfers, described step (A4) comprises further: (1) described resource take over party inputs the amount of described Resource Access note check code and e-sourcing to be transferred with the data processing server transmission Resource Access request to described service provider the relevant site place Delegation Server personnel of service provider to safety information interactive terminal (such as POS terminal); (2) amount of data processing server to described Resource Access note check code and e-sourcing to be transferred of described service provider carries out matching checking, and after being proved to be successful, generating dynamic verification code, described dynamic verification code being sent to the mobile phone of described resource take over party thereupon; (3) described resource take over party entrusts described attendant via described safety information interactive terminal, described dynamic verification code to be sent back the data processing server of described service provider thereupon; (4) data processing server of described service provider verifies the validity of described dynamic verification code, and after being verified, described frozen e-sourcing to be transferred is transferred in the Resource Storage (such as the account of the correspondence of described attendant) of the correspondence of described attendant and to described safety information interactive terminal and sends Resource Access success instruction, send Resource Access in the mode of note to the described resource side of shifting out and described resource take over party simultaneously and successfully remind; (5) described safety information interactive terminal print resource extraction voucher thereupon, and pay corresponding physical resource (such as cash) according to the amount that described Resource Access voucher records to described resource take over party.
Preferably, disclosed in this invention in the safety information interaction method of resource transfers, during described resource transfers operation has completed and described e-sourcing to be transferred is not extracted, the described resource side of shifting out can cancel via the network user interface of service provider the resource transfers process be associated with described resource transfers request at any time, and the data processing server of described service provider thaws e-sourcing on hold thereupon.
Preferably, disclosed in this invention in the safety information interaction method of resource transfers, after described resource transfers operation is done, if described resource take over party does not extract described e-sourcing to be transferred and described resource shifts out Fang Wei cancels the resource transfers process be associated with described resource transfers request in predetermined time threshold value, then the data processing server of described service provider automatically cancels the resource transfers process and the e-sourcing on hold that thereupon thaws that are associated with described resource transfers request.
Therefore, safety information interaction method for resource transfers disclosed in this invention has following advantages: (1) is easy to convert the e-sourcing received (such as electronic money) to physical resource (such as cash) due to resource take over party, therefore easy and simple to handle; (2) due to initiated in the resource side of shifting out and complete resource transfers operation and before the resource take over party resource that also non-actual extracting has shifted, resource shifts out to reach cancels the operation of this resource transfers at any time, therefore some potential potential safety hazards (the relevant information input error of such as resource take over party) can be avoided, thus considerably improve security.
Although the present invention is described by above-mentioned preferred implementation, its way of realization is not limited to above-mentioned embodiment.Should be realized that: when not departing from purport of the present invention and scope, those skilled in the art can make different changes and amendment to the present invention.
Claims (6)
1., for a safety information interaction method for resource transfers, the described safety information interaction method for resource transfers comprises the following steps:
(A1) the resource side of shifting out sends resource transfers request via the network user interface of service provider to the data processing server of service provider, wherein, described resource transfers request comprises the amount of e-sourcing to be transferred, the cell-phone number of resource take over party, the Resource Storage identification number that is associated with the described resource side of shifting out;
(A2) data processing server of described service provider operates based on described resource transfers request enforcement resource transfers and generates the resource transfers information be associated with this resource transfers, send to the described resource side of shifting out to point out resource transfers successful operation in the mode of note described resource transfers information thereupon, wherein, described resource transfers packets of information is containing Resource Access note check code;
(A3) described Resource Access note check code is sent to resource take over party by the described resource side of shifting out in a particular manner;
(A4) described resource take over party obtains the physical resource equal with the amount of described e-sourcing to be transferred to complete resource transfers process based on described Resource Access note check code at the relevant site place of service provider.
2. the safety information interaction method for resource transfers according to claim 1, it is characterized in that, described step (A1) comprises further: before the described resource side of shifting out sends described resource transfers request, the identity of mode to the described resource side of shifting out that the data processing server of described service provider is verified by note is verified, and only allows the described resource side of shifting out to send described resource transfers request when the result of described authentication is " success ".
3. the safety information interaction method for resource transfers according to claim 2, it is characterized in that, described resource transfers operation comprises: (1) determines whether the amount of e-sourcing to be transferred exceedes the remaining sum in the Resource Storage representated by Resource Storage identification number be associated with the described resource side of shifting out, and if exceed described remaining sum, then stop resource transfers operate and point out the described resource side of shifting out resource transfers operation failure, if and do not exceed described remaining sum, then enter step (2); (2) freeze the e-sourcing equal with the amount of e-sourcing to be transferred in the Resource Storage representated by Resource Storage identification number that is associated with the described resource side of shifting out, and complete corresponding resource and mark preparation.
4. the safety information interaction method for resource transfers according to claim 3, it is characterized in that, described step (A4) comprises further: (1) described resource take over party inputs the amount of described Resource Access note check code and e-sourcing to be transferred with the data processing server transmission Resource Access request to described service provider the relevant site place Delegation Server personnel of service provider to safety information interactive terminal; (2) amount of data processing server to described Resource Access note check code and e-sourcing to be transferred of described service provider carries out matching checking, and after being proved to be successful, generating dynamic verification code, described dynamic verification code being sent to the mobile phone of described resource take over party thereupon; (3) described resource take over party entrusts described attendant via described safety information interactive terminal, described dynamic verification code to be sent back the data processing server of described service provider thereupon; (4) data processing server of described service provider verifies the validity of described dynamic verification code, and after being verified, described frozen e-sourcing to be transferred is transferred in the Resource Storage of the correspondence of described attendant and to described safety information interactive terminal and sends Resource Access success instruction, send Resource Access in the mode of note to the described resource side of shifting out and described resource take over party simultaneously and successfully remind; (5) described safety information interactive terminal print resource extraction voucher thereupon, and pay corresponding physical resource according to the amount that described Resource Access voucher records to described resource take over party.
5. the safety information interaction method for resource transfers according to claim 4, it is characterized in that, during described resource transfers operation has completed and described e-sourcing to be transferred is not extracted, the described resource side of shifting out can cancel via the network user interface of service provider the resource transfers process be associated with described resource transfers request at any time, and the data processing server of described service provider thaws e-sourcing on hold thereupon.
6. the safety information interaction method for resource transfers according to claim 5, it is characterized in that, after described resource transfers operation is done, if described resource take over party does not extract described e-sourcing to be transferred and described resource shifts out Fang Wei cancels the resource transfers process be associated with described resource transfers request in predetermined time threshold value, then the data processing server of described service provider automatically cancels the resource transfers process and the e-sourcing on hold that thereupon thaws that are associated with described resource transfers request.
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| CN107527201A (en) * | 2017-07-03 | 2017-12-29 | 阿里巴巴集团控股有限公司 | Data processing method, device and equipment |
| CN107730261A (en) * | 2017-10-18 | 2018-02-23 | 维沃移动通信有限公司 | A kind of resource transfers method and relevant device |
| CN107862526A (en) * | 2017-10-27 | 2018-03-30 | 平安科技（深圳）有限公司 | Resource numeric value transfer, device, storage medium and server |
| CN109011583A (en) * | 2018-05-28 | 2018-12-18 | 腾讯科技（深圳）有限公司 | virtual resource transfer method and device, storage medium and electronic device |
| CN109242277A (en) * | 2018-08-22 | 2019-01-18 | 天津字节跳动科技有限公司 | Resource allocation methods and device |
| CN110392099A (en) * | 2019-07-12 | 2019-10-29 | 湖南匡楚科技有限公司 | A kind of automatic carriage and the resource transfers method based on automatic carriage |
| CN110704196A (en) * | 2019-10-15 | 2020-01-17 | 京东数字科技控股有限公司 | Resource data transfer method, device and block chain system |
| WO2020082769A1 (en) * | 2018-10-23 | 2020-04-30 | 腾讯科技（深圳）有限公司 | Message exchange method and apparatus, storage medium and electronic apparatus |
| CN111967960A (en) * | 2020-08-17 | 2020-11-20 | 中国银行股份有限公司 | Batch adjustment method and device for account data |
| CN112529587A (en) * | 2020-12-16 | 2021-03-19 | 中国联合网络通信集团有限公司 | Resource guarantee method, resource guarantee side node and resource supplier node |
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| CN112529587A (en) * | 2020-12-16 | 2021-03-19 | 中国联合网络通信集团有限公司 | Resource guarantee method, resource guarantee side node and resource supplier node |
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