CN109697607B - Electronic transfer method, device and storage medium - Google Patents

Electronic transfer method, device and storage medium Download PDF

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Publication number
CN109697607B
CN109697607B CN201811628977.2A CN201811628977A CN109697607B CN 109697607 B CN109697607 B CN 109697607B CN 201811628977 A CN201811628977 A CN 201811628977A CN 109697607 B CN109697607 B CN 109697607B
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user
electronic transfer
user identifier
corresponding relation
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CN109697607A (en
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徐志忠
程志强
王鹏飞
陈洁
王玉龙
王嘉琪
陈辉煌
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses an electronic transfer method, an electronic transfer device and a storage medium, which are used for improving the safety and the transfer success rate of electronic transfer. An electronic transfer method comprising: receiving an electronic transfer request message, wherein the electronic transfer request message carries a first user identifier; searching whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established corresponding relation between the user identifier and the mechanism identifier; if so, sending an electronic transfer message to an institution processing system according to the searched first institution identification, wherein the electronic transfer message carries the first user identification, and the institution processing system searches corresponding user account information according to the first user identification and completes electronic transfer operation.

Description

Electronic transfer method, device and storage medium
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method and apparatus for electronic transfer and a storage medium.
Background
With the development of internet technology, internet finance is vigorous, and almost changes various aspects of financial experience of users, such as transferring accounts, paying accounts, collecting accounts, lending accounts and the like, and user experience is more and more convenient. The traditional bank transfer needs to input a long bank card number of the other party, and confirms the bank account opening, so that the operation is troublesome and the error transfusion is worried. And the electronic transfer mode based on the mobile payment technology and the address book provides a more convenient transfer mode for users.
At present, an electronic transfer mode based on an address book is adopted, a payment user logs in a mobile phone bank client through a mobile phone, inputs a mobile phone number of a payment user (or selects the mobile phone number of the payment user from the mobile phone address book), a name of the payment user and transfer amount, submits a transfer request, a bank to which a payment user account belongs inquires whether the payment user registers the information (name, mobile phone number and bank card number of a payment party) of the payment user, checks consistency of the name and the mobile phone number of the payment user, and if the payment user registers the information, the bank to which the payment user account belongs sends a transfer instruction to the bank to which the payment user account belongs through a transfer platform, wherein the transfer instruction comprises the information such as the name of the payment user, the bank card number and the like, and the transfer operation is completed; if the information of the payment user is inconsistent or not queried, the bank to which the payment user belongs sends a short message to the payment user according to the mobile phone number, the payment user replies and submits account information such as a bank account number of the payment user to the bank to which the payment user belongs through the short message, and the bank to which the payment user account belongs sends a transfer instruction to the bank to which the payment user account belongs through the transfer platform, so that transfer operation is completed.
In the above transfer operation flow, in order to complete the transfer operation, the bank to which the payment user account belongs needs to record the account information of the payment user, such as the name, the mobile phone number, the bank account number, and the like of the payment user, which increases the risk of disclosure of the account information of the user.
Disclosure of Invention
The embodiment of the invention provides an electronic transfer method, an electronic transfer device and a storage medium, which are used for improving the safety of electronic transfer and the success rate of transfer.
In a first aspect, there is provided an electronic transfer method including:
receiving an electronic transfer request message, wherein the electronic transfer request message carries a first user identifier;
searching whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established corresponding relation between the user identifier and the mechanism identifier;
if so, sending an electronic transfer message to an institution processing system according to the searched first institution identification, wherein the electronic transfer message carries the first user identification, and the institution processing system searches corresponding user account information according to the first user identification and completes electronic transfer operation.
The corresponding relation between the user identification and the receipt and payment mechanism identification is established according to the following flow:
receiving an electronic transfer opening request message, wherein the electronic transfer opening request message carries a second user identifier and a second mechanism identifier;
searching whether the corresponding relation between the second user identifier and the second mechanism identifier exists in the established corresponding relation between the user identifier and the mechanism identifier;
If not, establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier.
Optionally, the electronic transfer method provided by the embodiment of the invention further includes:
and if the corresponding relation between the second user identifier and the second mechanism identifier exists, returning a response message that the electronic transfer is opened.
Optionally, the electronic transfer method provided by the embodiment of the invention further includes:
if the first mechanism identifier corresponding to the first user identifier does not exist in the corresponding relation between the pre-established user identifier and the mechanism identifier, a response message that the opposite user information does not exist is returned.
Preferably, the first user identification or the second user identification comprises a communication number and/or a user name.
In a second aspect, there is provided an electronic transfer device including:
the first receiving unit is used for receiving an electronic transfer request message, wherein the electronic transfer request message carries a first user identifier;
the first searching unit is used for searching whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established corresponding relation between the user identifier and the mechanism identifier;
and the response unit is used for sending an electronic transfer message to the mechanism processing system according to the searched first mechanism identifier when the first searching unit searches the first mechanism identifier corresponding to the first user identifier, wherein the electronic transfer message carries the first user identifier, and the mechanism processing system searches corresponding user account information according to the first user identifier and completes electronic transfer operation.
Optionally, the electronic transfer device provided by the embodiment of the invention further includes:
the second receiving unit is used for receiving an electronic transfer opening request message, and the electronic transfer opening request message carries a second user identifier and a second mechanism identifier;
the second searching unit is used for searching whether the corresponding relation between the second user identifier and the second mechanism identifier exists in the established corresponding relation between the user identifier and the mechanism identifier;
the establishing unit is used for establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier if the corresponding relation between the second user identifier and the second mechanism identifier is not found by the second searching unit.
Optionally, the response unit is further configured to return a response message that the electronic transfer has been opened if the second search unit searches for the correspondence between the second user identifier and the second mechanism identifier.
Optionally, the response unit is further configured to return a response message that the information of the opposite party does not exist if the first searching unit does not find the first mechanism identifier corresponding to the first user identifier.
Optionally, the first user identification or the second user identification comprises a communication number and/or a user name.
In a third aspect, there is provided a computing device comprising at least one processor, and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform any of the steps of the electronic transfer method.
In a fourth aspect, there is provided a computer readable medium storing a computer program executable by a computing device, the program when run on the computing device causing the computing device to perform any of the steps described by the electronic transfer method.
According to the electronic transfer method, the device and the storage medium, the corresponding relation between the user identification and the mechanism identification is established in advance, when the electronic transfer operation is carried out, only the user identification is needed to be provided, the corresponding mechanism identification is searched according to the user identification, the electronic transfer request is sent to the corresponding mechanism processing system according to the searched mechanism identification, the corresponding user account information is searched according to the user identification, the electronic transfer operation is completed, and in the process, the payment mechanism and the transfer platform do not obtain the user account information, so that the risk of leakage of the user account information is reduced, and the security of the electronic transfer is improved. In addition, in the flow, under the condition that the user account information is not obtained, the electronic transfer operation can still be completed, so that the success rate of the electronic transfer is improved.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and do not constitute a limitation on the invention. In the drawings:
fig. 1a is a schematic view of an application scenario according to an embodiment of the present invention;
fig. 1b is a schematic view of an application scenario in which a user opens an electronic transfer function according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of an electronic transfer opening process according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart of an embodiment of an electronic transfer method according to the present invention;
FIG. 4 is a schematic diagram of an interaction flow of a payment mechanism processing system, a transfer platform, and a pay-as-you-go mechanism processing system according to an embodiment of the present invention;
fig. 5 is a schematic structural view of an electronic payment device according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a computing device according to an embodiment of the invention.
Detailed Description
In order to improve the safety and success rate of electronic transfer operation, the embodiment of the invention provides an electronic transfer method, an electronic transfer device and a storage medium.
The terminal device in the present invention may be a personal computer (english full name: personal Computer, PC), a tablet computer, a personal digital assistant (Personal Digita l Assistant, PDA), a personal communication service (english full name: personal Communication Service, PCs) telephone, a notebook, a mobile phone, or the like, or a computer having a mobile terminal, for example, a portable, pocket-sized, hand-held, computer-built-in, or vehicle-mounted mobile device capable of providing voice and/or data connectivity to a user, and exchanging voice and/or data with a radio access network.
Furthermore, the terms first, second and the like in the description and in the claims and in the above-described figures are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments described herein may be implemented in other sequences than those illustrated or otherwise described herein.
Reference herein to "a plurality of" or "a number" means two or more than two. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings of the specification, it being understood that the preferred embodiments described herein are for illustration and explanation only, and not for limitation of the present invention, and embodiments of the present invention and features of the embodiments may be combined with each other without conflict.
Fig. 1a is a schematic diagram of an application scenario provided in an embodiment of the present invention. In the embodiment of the invention, in order to realize transfer among different institutions, the processing systems of the institutions are uniformly connected with the transfer platform.
Wherein each institution processing system accesses the transit platform through the access layer. The access modes may be, but are not limited to, the following: and (5) special line access and public network access. The communication protocol between the transit platform and the various agency processing systems may be, but is not limited to, one employing TCP (Transmission Control Protocol ) and HTTP (Hyper Text Transport Protocol, hypertext transfer protocol). The message format of the interaction between the two may be, but is not limited to, XML (EXtensible Markup Language ) format, JSON (JavaScript Object Notation, javaScript object notation) format, 8583 format, and the like.
For the application scenario of electronic transfer operation, in fig. 1a, the institution processing system is divided into a receipt and payment institution processing system and a payment institution processing system, where the receipt and payment institution processing system may be a bank processing system for opening a payment account for a payment user, and the payment institution processing system may be a bank processing system for opening an account for the payment user. After opening accounts in the corresponding bank processing systems, the receiving user and the paying user obtain user account information, wherein the user account information can be a bank card number. The payment user and the receipt user interact with each other through respective institution processing systems.
The electronic transfer method provided by the embodiment of the invention can be implemented by a transfer platform, as shown in fig. 1a, the transfer platform can comprise the following functional modules: the system comprises a protocol analysis module, an online processing module, a routing strategy module, a message packaging module and a configuration management module.
The protocol analysis module is used for analyzing the request message and checking the legality of the field format in the message. The embodiment of the invention mainly relates to the following two messages: and the electronic transfer request message and the electronic transfer opening notification message.
The necessary fields included in the electronic transfer request message include a user identifier and a transfer amount, wherein the user identifier may include, but is not limited to, a user name and a communication number of the receiving user; the necessary fields contained in the electronic transfer opening notification include a user identification and an institution identification, which may include, but are not limited to, the user name and communication number of the receiving user.
The online processing module is mainly used for completing the electronic transfer processing flow, and specifically comprises the following steps: according to the electronic transfer request message obtained by analyzing the protocol analysis message, obtaining a user identification of a receiving and paying user from the electronic transfer request message, wherein the user identification comprises a user name and a communication number of the receiving and paying user, an online processing module searches whether a mechanism identification corresponding to the user identification is stored in a database, if so, the receiving and paying user is informed of opening an electronic transfer function, a message packaging module is called to generate the electronic transfer message, a routing strategy block is called, and a receiving and paying mechanism processing system is determined to send the generated electronic transfer message to the corresponding receiving and paying mechanism processing system; if not, the message packaging module is called to generate a response message of which the information of the opposite user does not exist and return the response message.
The online processing module can also be used for processing an electronic transfer opening flow, and the method specifically comprises the following steps: according to the user identification and the mechanism identification carried in the electronic transfer opening request message obtained by protocol analysis message analysis, searching whether a corresponding relation exists between the user identification and the mechanism identification in the database, if so, indicating that the user has opened the electronic transfer function, and calling a message packaging module to generate a response message that the electronic transfer is opened and returning the response message to the structure processing system; if the user identification and the mechanism identification do not exist, a corresponding relation between the user identification and the mechanism identification is established and stored in a database, a message packaging module is called, and a response message of successful opening of the electronic transfer is generated and returned.
And the routing strategy module is mainly used for establishing communication links between the switching platform and each mechanism processing system. And determining a communication link between the on-line processing module and the corresponding structure processing system according to the mechanism identification searched by the on-line processing module.
The message packaging module is mainly used for generating a response message, an electronic transfer message and the like which are interacted with each mechanism processing system.
In the embodiment of the invention, in order to avoid the account information of each mechanism from leaking to other mechanisms and improve the security of electronic transfer, for each mechanism accessing to the transfer platform, a unique mechanism identifier is allocated to each mechanism, for example, the length of the mechanism identifier may be 19 bits, such as 6250210000000000001, etc., and it should be understood that the mechanism identifier is only used for example, and can be adjusted according to actual needs in specific implementation. In addition, the organization identifications assigned to the organizations may be stored by the configuration management module in a database of the transit platform.
For users with the demand of cross-institution transfer, the user can apply for opening the cross-institution transfer function to the transfer platform. As shown in fig. 1b, an application scenario in which a user opens the electronic transfer function is illustrated. The user 10 submits an electronic transfer opening request to the transfer platform 13 through the mechanism processing system 12 by using an application client installed in the intelligent terminal device 11, wherein the application client can be an application APP (application program) of each mechanism, for example, a mobile phone bank APP, a computer client of each bank mechanism, etc., and the application client can be a browser of a web page or an application program client installed in the intelligent terminal device, such as a mobile phone, a tablet computer, etc. The intelligent terminal device 11 is in communication connection with the institution processing system 12 and the transit platform 13 through a network, and the network can be a local area network, a cellular network, a wide area network and the like.
The flow of the on-coming power transfer is described below in conjunction with fig. 1b, and as shown in fig. 2, may include the following steps:
s21, receiving an electronic transfer opening request message.
In the implementation, a user submits an electronic transfer opening request to an organization processing system through an application client, wherein the electronic transfer opening request carries a user identifier. Wherein the user identification may be the user's own communication number and name. And the mechanism processing system extracts the user identification after receiving the electronic transfer opening request message submitted by the user, and sends the electronic transfer opening request message to the transfer platform, wherein the electronic transfer opening request message carries the mechanism identification and the extracted user identification. The organization identifier may be an organization APP identifier.
When the method is implemented, the electronic transfer report message firstly reaches the protocol analysis module, the protocol analysis module analyzes the received message, and whether the received message contains necessary fields such as user identification, mechanism identification and the like is checked. If the verification is passed, the received message is transferred to an online processing module, and the online processing module executes the electronic transfer opening flow.
S22, searching whether the corresponding relation between the second user identifier and the second organization identifier exists in the corresponding relation between the established user identifier and the organization identifier, if so, executing the step S23, and if not, executing the step S24.
In this step, after receiving the electronic transfer notification message forwarded by the protocol analysis module, the online processing module extracts the user identifier and the mechanism identifier, and stores the corresponding relationship between the user identifier and the mechanism identifier in the database.
S23, returning a response message that the electronic transfer is opened, and ending the flow.
When the method is implemented, if the online processing module searches the corresponding relation between the user identifier and the mechanism identifier carried in the electronic transfer opening request message in the database, the message packaging module is called, a response message that the electronic transfer is opened is generated, and the response message is returned to the mechanism processing system.
S24, establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier.
If the online processing module does not find the corresponding relation between the user identifier and the mechanism identifier carried in the electronic transfer opening request message in the database, the corresponding relation between the user identifier and the mechanism identifier is established and stored in the database. When the method is implemented, the online processing module can also call the message packaging module to generate a response message of successful opening of the electronic transfer and return the response message.
Thus, the user completes the electronic transfer function opening process, and if the user needs to perform electronic transfer, the process may be implemented according to the process shown in fig. 3:
s31, receiving an electronic transfer request message.
In specific implementation, a payment user submits an electronic transfer request to a payment mechanism processing system through an application client, wherein the electronic transfer request carries a user identifier of a receiving and paying user. The user identifier of the receiving and paying user can be the communication number and name of the user, wherein the communication number of the receiving and paying user can be a mobile phone number, an instant communication number or the like, and if the communication number is the mobile phone number in the address book, the paying user can call the mobile phone address book to select the corresponding mobile phone number through the application client.
The answer understanding should also include the transfer amount in the electronic transfer request message, when embodied.
And after receiving the electronic transfer request message submitted by the payment user, the payment mechanism processing system extracts the user identification and the transfer amount in the electronic transfer request message and sends the electronic transfer request message to the transfer platform, wherein the electronic transfer request message carries the mechanism identification and the extracted user identification, and the mechanism identification can be the mechanism identification corresponding to the payment mechanism.
At one side of the transfer platform, the electronic transfer request message firstly reaches a protocol analysis module, the protocol analysis module analyzes the received message, and whether the received message contains necessary fields such as user identification, transfer amount and the like is checked. If the verification is passed, the received message is transferred to an online processing module, and the online processing module executes the electronic transfer flow.
S32, searching whether a first organization identifier corresponding to the first user identifier exists in the corresponding relation between the pre-established user identifier and the organization identifier, if so, executing the step S33, and if not, executing the step S34.
When the method is implemented, after receiving the electronic transfer request message forwarded by the protocol analysis module, the online processing module extracts the user identifier, and whether the mechanism identifier corresponding to the user identifier exists in the corresponding relation between the established user identifier and the mechanism identifier stored in the database. If yes, the receiving and paying user is indicated to open the electronic transfer function, and if not, the receiving and paying user is indicated to not open the electronic transfer function.
And S33, sending an electronic transfer message to the mechanism processing system according to the searched first mechanism identification, and ending the flow.
In this step, if the mechanism identifier corresponding to the user identifier carried in the electronic transfer request message is found, the message packaging module is called to generate an electronic transfer message, wherein the electronic transfer message carries the user identifier and the transfer amount, and the routing policy module is called to determine a communication link corresponding to the receiving and paying mechanism processing system according to the found mechanism identifier, the generated electronic transfer message is sent to the corresponding receiving and paying mechanism processing system through the determined communication link, and after the receiving and paying mechanism processing system receives the electronic transfer message, the receiving and paying mechanism processing system searches the corresponding user account information according to the user identifier to complete the transfer operation.
S34, returning a response message of which the information of the opposite party does not exist.
When the method is implemented, if the mechanism identifier corresponding to the user identifier carried in the electronic transfer request message is not found, a message packaging module is called, a response message with no opposite user information is generated, and the generated response message is returned to a payment mechanism processing system.
It should be noted that, in the embodiment of the present invention, the payment user and the payment user, and the payment mechanism processing system and the receiving and paying mechanism processing system are relatively speaking, and in the electronic transfer process, the payment user and the mechanism processing system to which the payment user belongs are respectively referred to as the payment user and the payment user, and the receiving and paying mechanism processing system to which the receiving user belongs are respectively referred to as the receiving and paying user, and the payment mechanism processing system.
In order to better understand the embodiment of the present invention, the following describes the implementation process of the electronic transfer opening process and the electronic transfer process provided in the embodiment of the present invention by taking the electronic transfer based on the mobile phone number in the address book as an example in combination with the interaction process among the payment mechanism processing system, the receipt and payment mechanism processing system and the transfer platform.
The electronic transfer opening process is described by taking a process of opening the electronic transfer function by the receiving and paying user as an example, and in this example, taking the first opening of the electronic transfer function by the receiving and paying user as an example, as shown in fig. 4, the method may include the following steps:
s41, the receiving and paying mechanism processing system receives an electronic transfer opening request submitted by a user.
In the implementation, a user can submit an electronic transfer opening request to a receiving and paying mechanism processing system through a receiving and paying mechanism application client, wherein the electronic transfer opening request carries a user identifier. The user identification includes a user name and a user's cell phone number.
S42, the receiving and paying mechanism processing system sends an electronic transfer opening request message to the transfer platform.
The receiving and paying mechanism processing system sends an electronic transfer opening request message to the switching platform, wherein the electronic transfer opening request message carries a user identifier and a mechanism identifier, and the mechanism identifier is the mechanism identifier distributed to the receiving and paying mechanism by the switching platform.
S43, the transfer platform establishes a corresponding relation between the user identifier and the mechanism identifier carried in the electronic transfer opening request message.
In this example, the first time the receiving and paying user submits the electronic transfer opening request is taken as an example to explain, so as to finish the flow of opening the electronic transfer function of the receiving and paying user.
S44, the payment mechanism processing system receives an electronic transfer request submitted by a payment user.
In the step, a payment user invokes a mobile phone address book through a payment mechanism application client to select a mobile phone number of a receiving and paying user, inputs a user name and transfer amount of the receiving and paying user, and submits an electronic transfer request to a payment mechanism processing system.
S45, the payment mechanism processing system sends an electronic transfer request message to the transfer platform.
In specific implementation, the payment mechanism processing system extracts the mobile phone number, the name and the transfer amount of the receiving and paying user in the electronic transfer request, generates an electronic transfer request message and sends the electronic transfer request message to the transfer platform.
S46, the switching platform searches the corresponding receipt and payment mechanism identification according to the mobile phone number and the user name.
When the method is implemented, after receiving the electronic transfer request message, the transfer platform firstly checks the necessary fields in the electronic transfer request message, and after the verification is passed, the transfer platform searches the receipt and payment mechanism identification according to the mobile phone number and the user name carried in the transfer platform.
And S47, the transfer platform sends an electronic transfer message to the receiving and paying mechanism according to the searched receiving and paying mechanism identification.
In this step, after the transfer platform searches the receipt and payment mechanism identifier, an electronic transfer message is generated, wherein the electronic transfer message carries the mobile phone number and name of the receipt and payment user and the transfer amount, and the generated electronic transfer message is sent to the corresponding receipt and payment mechanism processing system according to the searched receipt and payment mechanism identifier.
S48, the receiving and paying mechanism processing system searches corresponding account information according to the mobile phone number and the name of the receiving and paying user in the electronic transfer message and completes transfer.
Thus, the electronic transfer flow is completed.
In the electronic transfer method provided by the embodiment of the invention, the corresponding relation between the user identifier and the mechanism identifier is established in advance, when the electronic transfer operation is performed, only the user identifier is required to be provided, the corresponding mechanism identifier is searched according to the user identifier, the electronic transfer request is sent to the corresponding mechanism processing system according to the searched mechanism identifier, the corresponding user account information is searched according to the user identifier, and the electronic transfer operation is completed. In addition, in the flow, under the condition that the user account information is not obtained, the electronic transfer operation can still be completed, so that the success rate of the electronic transfer is improved.
Based on the same inventive concept, the embodiment of the invention also provides an electronic transfer device, and because the principle of solving the problem of the device is similar to that of an electronic transfer method, the implementation of the device can be referred to the implementation of the method, and the repetition is omitted.
As shown in fig. 5, which is a schematic diagram of an implementation flow of an electronic transfer method according to an embodiment of the present invention, the method may include:
a first receiving unit 51, configured to receive an electronic transfer request packet, where the electronic transfer request packet carries a first user identifier;
a first searching unit 52, configured to search whether a first organization identifier corresponding to the first user identifier exists in a pre-established correspondence between user identifiers and organization identifiers;
and the response unit 53 is configured to send an electronic transfer message to an institution processing system according to the first found institution identifier when the first finding unit finds the first institution identifier corresponding to the first user identifier, where the electronic transfer message carries the first user identifier, and the institution processing system finds corresponding user account information according to the first user identifier and completes an electronic transfer operation.
Optionally, the electronic transfer device provided by the embodiment of the invention further includes:
the second receiving unit is used for receiving an electronic transfer opening request message, and the electronic transfer opening request message carries a second user identifier and a second mechanism identifier;
the second searching unit is used for searching whether the corresponding relation between the second user identifier and the second mechanism identifier exists in the established corresponding relation between the user identifier and the mechanism identifier;
the establishing unit is used for establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier if the corresponding relation between the second user identifier and the second mechanism identifier is not found by the second searching unit.
Optionally, the response unit is further configured to return a response message that the electronic transfer has been opened if the second search unit searches for the correspondence between the second user identifier and the second mechanism identifier.
Optionally, the response unit is further configured to return a response message that the information of the opposite party does not exist if the first searching unit does not find the first mechanism identifier corresponding to the first user identifier.
Optionally, the first user identification or the second user identification comprises a communication number and/or a user name.
For convenience of description, the above parts are described as being functionally divided into modules (or units) respectively. Of course, the functions of each module (or unit) may be implemented in the same piece or pieces of software or hardware when implementing the present invention.
Having described the method and apparatus for electronic transfer according to an exemplary embodiment of the present invention, next, a computing apparatus according to another exemplary embodiment of the present invention is described.
Those skilled in the art will appreciate that the various aspects of the invention may be implemented as a system, method, or program product. Accordingly, aspects of the invention may be embodied in the following forms, namely: an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects may be referred to herein as a "circuit," module "or" system.
In some possible implementations, a computing device according to the invention may include at least one processor, and at least one memory. Wherein the memory stores program code that, when executed by the processor, causes the processor to perform the steps in the electronic transfer method according to various exemplary embodiments of the present invention described above in this specification. For example, the processor may perform step S31 shown in fig. 3, receive an electronic transfer request message, and step S32, find whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established correspondence between user identifiers and mechanism identifiers, if so, perform step S33, and if not, perform step S34; step S33, sending an electronic transfer message to the mechanism processing system according to the searched first mechanism identifier; and step S34, returning a response message of which the information of the opposite party does not exist.
A computing device 60 according to such an embodiment of the invention is described below with reference to fig. 6. The computing device 60 shown in fig. 6 is merely an example and should not be taken as limiting the functionality and scope of use of embodiments of the present invention.
As shown in fig. 6, the computing device 60 is in the form of a general purpose computing device. Components of computing device 60 may include, but are not limited to: the at least one processor 61, the at least one memory 62, a bus 63 connecting the different system components, including the memory 62 and the processor 61.
Bus 63 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, or a local bus using any of a variety of bus architectures.
Memory 62 may include readable media in the form of volatile memory, such as Random Access Memory (RAM) 621 and/or cache memory 622, and may further include Read Only Memory (ROM) 623.
Memory 62 may also include a program/utility 625 having a set (at least one) of program modules 624, such program modules 624 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment.
The computing device 60 may also communicate with one or more external devices 64 (e.g., keyboard, pointing device, etc.), one or more devices that enable a user to interact with the computing device 60, and/or any devices (e.g., routers, modems, etc.) that enable the computing device 60 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 65. Moreover, computing device 60 may also communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet, through network adapter 66. As shown, network adapter 66 communicates with other modules for computing device 60 over bus 63. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with computing device 60, including, but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
In some possible embodiments, aspects of the electronic transfer method provided by the present invention may also be implemented in the form of a program product, which includes program code for causing a computer device to perform the steps in the electronic transfer method according to the various exemplary embodiments of the present invention described above when the program product is run on the computer device, for example, the computer device may perform step S31 as shown in fig. 3, receive an electronic transfer request message, and step S32, find whether a first institution identifier corresponding to the first user identifier exists in a correspondence between a pre-established user identifier and an institution identifier, and if so, perform step S33, and if not, perform step S34; step S33, sending an electronic transfer message to the mechanism processing system according to the searched first mechanism identifier; and step S34, returning a response message of which the information of the opposite party does not exist.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The program product for electronic transfer of embodiments of the present invention may employ a portable compact disc read only memory (CD-ROM) and include program code and may run on a computing device. However, the program product of the present invention is not limited thereto, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
It should be noted that although several units or sub-units of the apparatus are mentioned in the above detailed description, such a division is merely exemplary and not mandatory. Indeed, the features and functions of two or more of the elements described above may be embodied in one element in accordance with embodiments of the present invention. Conversely, the features and functions of one unit described above may be further divided into a plurality of units to be embodied.
Furthermore, although the operations of the methods of the present invention are depicted in the drawings in a particular order, this is not required to either imply that the operations must be performed in that particular order or that all of the illustrated operations be performed to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step to perform, and/or one step decomposed into multiple steps to perform.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims (8)

1. An electronic transfer method, applied to a transfer platform, comprising:
Receiving an electronic transfer request message, wherein the electronic transfer request message carries a first user identifier;
searching whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established corresponding relation between a user identifier and a mechanism identifier, wherein the corresponding relation between the user identifier and the mechanism identifier is established after a user account corresponding to the user identifier is provided with an electronic transfer function, the mechanism identifier is a unique mechanism identifier with a designated length and distributed by the transfer platform for a mechanism to which the account corresponding to the user identifier belongs, and the electronic transfer function is a trans-mechanism transfer function;
if so, sending an electronic transfer message to an institution processing system according to the searched first institution identification, wherein the electronic transfer message carries the first user identification, and the institution processing system searches corresponding user account information according to the first user identification and completes electronic transfer operation;
the corresponding relation between the user identification and the mechanism identification is established according to the following procedures:
receiving an electronic transfer opening request message, wherein the electronic transfer opening request message carries a second user identifier and a second mechanism identifier;
Searching whether the corresponding relation between the second user identifier and the second mechanism identifier exists in the established corresponding relation between the user identifier and the mechanism identifier;
if not, establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier;
wherein the first user identification or the second user identification comprises a communication number and/or a user name.
2. The method as recited in claim 1, further comprising:
and if the corresponding relation between the second user identifier and the second mechanism identifier exists, returning a response message that the electronic transfer is opened.
3. The method as recited in claim 1, further comprising:
if the first mechanism identifier corresponding to the first user identifier does not exist in the corresponding relation between the pre-established user identifier and the mechanism identifier, a response message that the opposite user information does not exist is returned.
4. An electronic transfer device for use with a transfer platform, the device comprising:
the first receiving unit is used for receiving an electronic transfer request message, wherein the electronic transfer request message carries a first user identifier;
the first searching unit is used for searching whether a first mechanism identifier corresponding to the first user identifier exists in a pre-established corresponding relation between the user identifier and the mechanism identifier, wherein the corresponding relation between the user identifier and the mechanism identifier is established after a user account corresponding to the user identifier is opened with an electronic transfer function, the mechanism identifier is a unique mechanism identifier with a specified length and distributed by the switching platform for a mechanism to which the account corresponding to the user identifier belongs, and the electronic transfer function is a cross-mechanism transfer function;
The response unit is used for sending an electronic transfer message to the mechanism processing system according to the first searched mechanism identifier when the first searching unit searches the first mechanism identifier corresponding to the first user identifier, wherein the electronic transfer message carries the first user identifier, and the mechanism processing system searches corresponding user account information according to the first user identifier and completes electronic transfer operation;
the device further comprises:
the second receiving unit is used for receiving an electronic transfer opening request message, and the electronic transfer opening request message carries a second user identifier and a second mechanism identifier;
the second searching unit is used for searching whether the corresponding relation between the second user identifier and the second mechanism identifier exists in the established corresponding relation between the user identifier and the mechanism identifier;
the establishing unit is used for establishing and storing the corresponding relation between the second user identifier and the second mechanism identifier if the corresponding relation between the second user identifier and the second mechanism identifier is not found by the second finding unit;
wherein the first user identification or the second user identification comprises a communication number and/or a user name.
5. The apparatus of claim 4, wherein,
and the response unit is further used for returning a response message that the electronic transfer is opened if the second searching unit searches the corresponding relation between the second user identifier and the second mechanism identifier.
6. The apparatus of claim 4, wherein,
and the response unit is further used for returning a response message of which the opposite user information does not exist if the first searching unit does not find the first mechanism identifier corresponding to the first user identifier.
7. A computing device comprising at least one processor, and at least one memory, wherein the memory stores a computer program that, when executed by the processor, causes the processor to perform the steps of the method of any of claims 1-3.
8. A computer readable medium, characterized in that it stores a computer program executable by a computing device, which when run on the computing device causes the computing device to perform the steps of the method of any of claims 1-3.
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