CN110084611A

CN110084611A - Numeric value transfer, device, computer equipment and storage medium

Info

Publication number: CN110084611A
Application number: CN201910341099.4A
Authority: CN
Inventors: 邢子龙; 王东峰; 牛一佳; 张琦; 张经纬; 张玉静; 王敏
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2019-04-25
Filing date: 2019-04-25
Publication date: 2019-08-02

Abstract

The invention discloses a kind of numeric value transfer, device, computer equipment and storage mediums, belong to network technique field.This method comprises: sending signing instruction to Issuer server corresponding to first object card by any value transfering channel；When permission is verified, signing response is received；According to the protocol number and the protocol number create-rule, multiple protocol numbers are obtained；When receiving numerical value transfer request corresponding with the first object card, based on multiple numerical value transfering channel corresponding to multiple protocol number, numerical value transfer is carried out.The present invention is by also additionally obtaining the protocol number create-rule during primary signing, make it possible to according to the multiple protocol numbers of acquisition, the cumbersome process for repeating signing is avoided, the efficiency of numerical value transfer is optimized, is conducive to the success rate for improving numerical value transfer.

Description

Numeric value transfer, device, computer equipment and storage medium

Technical field

The present invention relates to network technique field, in particular to a kind of numeric value transfer, device, computer equipment and storage Medium.

Background technique

It with the development of network technology, pays in cash compared to traditional, network-based numeric value transfer becomes to get over Come more universal.Before numerical value transfer process, user needs to carry out binding bank card (that is to say signing), during signing, Would generally be related to the payment mechanism server of Third-party payment mechanism, Unionpay/Wang Liandeng liquidation organization front server and The bank server of the storage bank of Core server and fund numerical value.Wherein, it to each liquidation organization, can be configured with multiple For providing the front server of numerical value transfering channel, multiple front servers access the same Core server, with realize across Row clearance.

During user contracts to some bank card, user is sent with bank server corresponding to the bank card Short message verification code, to after payment mechanism server authorization, which can generate a protocol number, and the protocol number is led to It crosses a certain numerical value transfering channel (front server that the numerical value transfering channel corresponds to a liquidation organization) and is sent to this Payment server is retained, which is used to indicate between the payment accounts of user, numerical value transfering channel and bank card Corresponding relationship.In the subsequent payment using the bank card, payment mechanism server can pass through the numerical value transfer used when signing Channel sends the request of withholing for carrying the protocol number to the bank server, to be not necessarily to using the protocol number as voucher of withholing User contracts again.

However, since protocol number only indicates between the payment accounts of user and single number transfering channel and single bank card Corresponding relationship, that is to say the protocol number that a numerical value transfering channel can only be obtained during primary signing, if in numerical value The numerical value transfering channel breaks down in transfer process, and user is needed to re-enter short message verification code, to verify bank card use Permission could complete the transfer of this numerical value, so that numerical value transfer efficiency is affected, if user abandons input short message verification code, It will affect the success rate of transaction.

Summary of the invention

The embodiment of the invention provides a kind of numeric value transfer, device, computer equipment and storage mediums, are able to solve The problem of needing to re-enter short message verification code when numerical value transfer failure, influencing numerical value transfer efficiency and transaction success rate.The skill Art scheme is as follows:

On the one hand, a kind of numeric value transfer is provided, this method comprises:

By any value transfering channel, signing is sent to Issuer server corresponding to first object card and is referred to It enables, for obtaining protocol number corresponding with the numerical value transfering channel and protocol number create-rule, the protocol number is raw for signing instruction At rule for generating any protocol number based on existing protocol number；

When permission is verified, signing response is received, which carries the protocol number and the agreement Number create-rule；

According to the protocol number and the protocol number create-rule, multiple protocol numbers are obtained, multiple protocol number is used to indicate use Corresponding relationship between family mark, card mark and multiple numerical value transfering channels；

When receiving numerical value transfer request corresponding with the first object card, based on corresponding to multiple protocol number Multiple numerical value transfering channels carry out numerical value transfer.

In a kind of possible embodiment, according to the protocol number and the protocol number create-rule, multiple protocol number packets are obtained It includes:

The protocol number create-rule is the transfer algorithm of coded format, is based on the transfer algorithm, reflects to the protocol number It penetrates, obtains at least one protocol number；

The protocol number and at least one protocol number are determined as multiple protocol number.

In a kind of possible embodiment, which includes to the user identifier, card mark and risk class At least one of verifying.

In a kind of possible embodiment, when receiving numerical value transfer request corresponding with the first object card, base Multiple numerical value transfering channels corresponding to multiple protocol number, carrying out numerical value transfer includes:

When receiving the numerical value transfer request, target value transfering channel is determined according to preset rules；

From multiple protocol numbers corresponding with the first object card, closed according to the mapping of numerical value transfering channel and protocol number System, determines target protocol number；

Based on the target protocol number, numerical value transfer is carried out by the target value transfering channel.

In a kind of possible embodiment, determine that target value transfering channel includes: according to preset rules

The minimum numerical value transfering channel of service charge will be cleared and be determined as the target value transfering channel；Or,

The highest numerical value transfering channel of success rate in default number transaction before current time is determined as the target Numerical value transfering channel；Or,

It will be determined as the target value turn by the highest numerical value transfering channel of success rate in preset duration before current time Mobile Communication road.

In a kind of possible embodiment, this method further include:

It receives numerical value and shifts failure response, numerical value transfer failure response is used to indicate based on corresponding to the first protocol number The numerical value transfer failure that first numerical value transfering channel carries out the first object card；

Second protocol number corresponding with the first object card is obtained, it is logical which corresponds to second value transfer Road；

Based on the second protocol number, numerical value transfer is carried out by the second value transfering channel.

In a kind of possible embodiment, the first numerical value transfering channel and the second value transfering channel are same clearance Channel provided by the different front servers of mechanism；Or,

The first numerical value transfering channel and the second value transfering channel are the different front servers of different liquidation organizations Provided channel.

In a kind of possible embodiment, obtaining second protocol number corresponding with the first object card includes:

Failure response is shifted based on the numerical value, determines the failed server to break down；

According to the failed server, the second value transfering channel is determined；

From multiple protocol numbers corresponding with the first object card, according to the mapping of the numerical value transfering channel and protocol number Relationship determines the second protocol number.

In a kind of possible embodiment, according to the failed server, determine that the second value transfering channel includes:

When the failed server is front server, same liquidation organization will be belonged to the first numerical value transfering channel Channel provided by different front servers is determined as the second value transfering channel；Or,

When the failed server is Core server, different liquidation organizations will be belonged to from the first numerical value transfering channel Channel provided by any front server is determined as the second value transfering channel.

On the one hand, a kind of numerical value transfer device is provided, which includes:

Sending module, for passing through any value transfering channel, to card sending mechanism service corresponding to first object card Device sends signing instruction, and signing instruction generates rule for obtaining protocol number corresponding with the numerical value transfering channel and protocol number Then, which is used to generate any protocol number based on existing protocol number；

Receiving module, for when permission is verified, receiving signing response, which carries the association View number and the protocol number create-rule；

First obtains module, multiple for obtaining multiple protocol numbers according to the protocol number and the protocol number create-rule Protocol number is used to indicate the corresponding relationship between user identifier, card mark and multiple numerical value transfering channels；

Numerical value shift module is somebody's turn to do for being based on when receiving numerical value transfer request corresponding with the first object card Multiple numerical value transfering channels corresponding to multiple protocol numbers carry out numerical value transfer.

In a kind of possible embodiment, which is used for:

In a kind of possible embodiment, which includes:

First determination unit, for determining that target value turns according to preset rules when receiving the numerical value transfer request Mobile Communication road；

First determination unit is also used to from multiple protocol numbers corresponding with the first object card, is turned according to numerical value The mapping relations in Mobile Communication road and protocol number, determine target protocol number；

Numerical value buanch unit carries out numerical value transfer by the target value transfering channel for being based on the target protocol number.

In a kind of possible embodiment, which is used for:

In a kind of possible embodiment, the device further include:

The receiving module is also used to receive numerical value transfer failure response, and numerical value transfer failure response, which is used to indicate, to be based on The numerical value transfer failure that first numerical value transfering channel corresponding to first protocol number carries out the first object card；

Second obtains module, and for obtaining second protocol number corresponding with the first object card, the second protocol number is right It should be in second value transfering channel；

The numerical value shift module, is also used to based on the second protocol number, carries out numerical value by the second value transfering channel Transfer.

In a kind of possible embodiment, which includes:

Second determination unit determines the failed server to break down for shifting failure response based on the numerical value；

Second determination unit is also used to determine the second value transfering channel according to the failed server；

Second determination unit is also used to from multiple protocol numbers corresponding with the first object card, according to the numerical value The mapping relations of transfering channel and protocol number determine the second protocol number.

In a kind of possible embodiment, which is also used to:

On the one hand, provide a kind of computer equipment, the computer equipment include one or more processors and one or Multiple memories are stored at least one instruction in the one or more memory, and at least one instruction is by this or more A processor is loaded and is executed to realize the operation as performed by the numeric value transfer of above-mentioned any possible implementation.

On the one hand, a kind of computer readable storage medium is provided, at least one instruction is stored in the storage medium, it should At least one instruction is loaded by processor and is executed to realize the numeric value transfer institute such as above-mentioned any possible implementation The operation of execution.

Technical solution bring beneficial effect provided in an embodiment of the present invention includes at least:

By any value transfering channel, signing is sent to Issuer server corresponding to first object card and is referred to It enables, since signing instruction is for obtaining protocol number corresponding with the numerical value transfering channel and protocol number create-rule, the agreement Number create-rule is used to generate any protocol number based on existing protocol number, so that can arrive reception when permission is verified It contracts response, which carries the protocol number and the protocol number create-rule, just because of once contracting During also additionally obtain the protocol number create-rule, make it possible to according to the protocol number and the protocol number create-rule, Multiple protocol numbers are obtained, multiple protocol number is used to indicate between user identifier, card mark and multiple numerical value transfering channels Corresponding relationship, on the basis of primary signing obtains multiple protocol numbers, when receiving numerical value corresponding with the first object card When transfer request, based on multiple numerical value transfering channel corresponding to multiple protocol number, numerical value transfer is carried out, so as to one During secondary signing, multiple protocol numbers of multiple numerical value transfering channels are got, so that subsequent use other numerical value transfering channels When, without contracting again, the cumbersome process for repeating signing is also avoided, the efficiency of numerical value transfer is optimized, has Conducive to the success rate for improving numerical value transfer.

Detailed description of the invention

To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other Attached drawing.

Fig. 1 is a kind of implementation environment schematic diagram of numeric value transfer provided in an embodiment of the present invention；

Fig. 2 is a kind of flow chart of numeric value transfer provided in an embodiment of the present invention；

Fig. 3 is a kind of interaction diagrams of numeric value transfer provided in an embodiment of the present invention；

Fig. 4 is a kind of interaction diagrams of numeric value transfer provided in an embodiment of the present invention；

Fig. 5 is a kind of structural schematic diagram of numerical value transfer device provided in an embodiment of the present invention；

Fig. 6 is the structural schematic diagram of computer equipment provided in an embodiment of the present invention.

Specific embodiment

To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached drawing to embodiment party of the present invention Formula is described in further detail.

Fig. 1 is a kind of implementation environment schematic diagram of numeric value transfer provided in an embodiment of the present invention, referring to Fig. 1, at this It may include payment mechanism server 101, front server 102, Core server 103 and card sending mechanism clothes in implementation environment Business device 104 can also include optionally acquirer server 105 when carrying out the numerical value transfer across financial institution.

Wherein, which appoints for providing payment services when the payment mechanism server 101 receives The numerical value transfer request of terminal corresponding to one first user can be based on protocol number corresponding with the numerical value transfer request, lead to It crosses numerical value transfering channel and carries out numerical value transfer, so that target value is transferred to the second use from the first object card of the first user Family.

In above process, which is used to collect data for liquidation organization and carries out distributed clearance, with Carry out numerical value transfer；The second user is only the numerical value side of being transferred to of numerical value transfer process, which can be with the first user It is identical, it can also be different；When carrying out numerical value transfer, target value can be transferred to the second target card of second user, Virtual account of the second user on the payment mechanism server 101, such as wechat change, Alipay remaining sum can also be transferred to Deng the embodiment of the present invention is defined not to this.

Wherein, the front server 102 and Core server 103 are the server of liquidation organization, which is used for It is the clearance numerical value transfer of at least one financial institution as a result, for example, the liquidation organization can be Chinese Bank Card united organization (China unionpay, China Unionpay) can clear platform (China's net connection) for the network payment of non-banking payment mechanism, when So, or prestige scholar (visa international service association, VISA) international organization, the present invention are real Example is applied not limit the type of the liquidation organization specifically.

In these cases, optionally, it is logical for providing numerical value transfer can be corresponding at least one for a liquidation organization The front server 102 in road, and for providing the Core server 103 of clearance service, each front server 102 is and core Central server 103 establishes connection, and in some embodiments, each front server 102 is collected payment mechanism server 101 and sent Numerical value transfer request after, can at interval of prefixed time interval, numerical value transfer request which is collected into Respective clearance result is committed to Core server 103 and carries out unification clearly by the distributed clearance of row, each front server 102 It calculates, to realize the multichannel numerical value transfer inside liquidation organization.

Based on above-mentioned scene, which can provide numerical value for the card sending mechanism of first object card Storage service can also include acquirer server 105 when numerical value to be transferred to the second target card of second user, The acquirer server 105 can provide numerical value storage service for the card sending mechanism of the second target card, need to illustrate It is that the embodiment of the present invention is only in a numerical value transfer process, server corresponding to the card sending mechanism of the numerical value side of producing to be made For " Issuer server 104 ", using server corresponding to the card sending mechanism of the numerical value side of being transferred to as " acquirer server 105 ", in some embodiments, for the server of the same financial institution, it can be held in a numerical value transfer process When Issuer server 104, acquirer server 105 can also be taken in another secondary numerical value transfer process, it certainly, can Selection of land, in the numerical value transfer process between the different target card in same financial institution, the server of the financial institution was both It is Issuer server 104 and acquirer server 105.

It should be noted that above-mentioned payment mechanism server 101, front server 102, Core server 103, card sender The quantity of structure server 104 and acquirer server 105 can be one or more, and above-mentioned each server can be list Machine equipment, one main two are for cluster device, cluster device etc..

Fig. 2 is a kind of flow chart of numeric value transfer provided in an embodiment of the present invention.Referring to fig. 2, the embodiment application In computer equipment, optionally, which can be the payment mechanism server in above-mentioned implementation environment, the embodiment Include:

201, it by any value transfering channel, sends and contracts to Issuer server corresponding to first object card Instruction, signing instruction is for obtaining protocol number corresponding with the numerical value transfering channel and protocol number create-rule, the protocol number Create-rule is used to generate any protocol number based on existing protocol number.

202, when permission is verified, signing response is received, which carries the protocol number and should Protocol number create-rule.

203, according to the protocol number and the protocol number create-rule, multiple protocol numbers are obtained, multiple protocol number is for referring to Show the corresponding relationship between user identifier, card mark and multiple numerical value transfering channels.

204, right based on multiple protocol number when receiving numerical value transfer request corresponding with the first object card The multiple numerical value transfering channels answered carry out numerical value transfer.

Method provided in an embodiment of the present invention, by any value transfering channel, to hair corresponding to first object card Mechanism for card server sends signing instruction, due to signing instruction for obtain corresponding with numerical value transfering channel protocol number and Protocol number create-rule, which is used to generate any protocol number based on existing protocol number, so that working as permission When being verified, reception signing response can be arrived, which carries the protocol number and the protocol number generates rule Then, the protocol number create-rule is also additionally obtained just because of during primary signing, made it possible to according to the agreement Number and the protocol number create-rule, obtain multiple protocol numbers, multiple protocol number is used to indicate user identifier, card mark and more Corresponding relationship between a numerical value transfering channel, on the basis of primary signing obtains multiple protocol numbers, when receive with this When the corresponding numerical value transfer request of one target card, based on multiple numerical value transfering channel corresponding to multiple protocol number, carry out Numerical value transfer, so as to multiple protocol numbers of multiple numerical value transfering channels be got, so that subsequent during primary signing When using other numerical value transfering channels, without contracting again, the cumbersome process for repeating signing, optimization are also avoided The efficiency of numerical value transfer is conducive to the success rate for improving numerical value transfer.

In a kind of possible embodiment, this method further include:

All the above alternatives can form the alternative embodiment of the disclosure, herein no longer using any combination It repeats one by one.

Based on above-mentioned implementation environment, before carrying out numeric value transfer, any user can first be taken in the payment mechanism It is engaged in binding bank card (that is to say signing) on device, it should be noted that the user in the embodiment of the present invention can be above-mentioned implementation The first user (the numerical value side of producing) in the numerical value transfer process being previously mentioned in environment, being also possible to second user, (numerical value is transferred to Side), Fig. 3 is a kind of interaction diagrams of numeric value transfer provided in an embodiment of the present invention, is below branch with computer equipment Pay authority server for be described in detail:

301, terminal sends subscription request to payment mechanism server, which carries user's mark corresponding to the user Know and card corresponding with first object card identifies.

Wherein, applications client can be installed in the terminal, which can be and any Third-party payment Operation performed by above-mentioned steps 301 can be performed after logging in the applications client in client corresponding to mechanism, user.

Wherein, which is used for unique identification user, which may include Real Name, certificate number, pre- At least one in cell-phone number is stayed, card mark is used for unique identification first object card, and card mark can be debit Card number, is also possible to credit number etc., and the type that the embodiment of the present invention does not identify the user identifier and card is specifically limited It is fixed.

In some embodiments, after user logs in the applications client, applications client shows signing information input interface, The subscription request is generated according to the signing information that user inputs, to send the subscription request to payment mechanism server.

302, when payment mechanism server receives the subscription request, to before for providing any value transfering channel It sets server and sends signing instruction, signing instruction is raw for obtaining protocol number corresponding with the numerical value transfering channel and protocol number At rule, which is used to generate any protocol number based on existing protocol number.

Wherein, which can be appoints with any liquidation organization of the card sending mechanism cooperation of first object card The server of one numerical value transfering channel.

Wherein, signing instruction at least carries the user identifier and card mark, which is used to indicate the user Corresponding relationship between mark, card mark and the numerical value transfering channel, which can be coded format Transfer algorithm, such as the protocol number create-rule can be irreversible cryptographic algorithm, irreversible encryption algorithm etc., for example, the association View create-rule is SHA192 algorithm, SHA256 algorithm with SHA384 algorithm etc., so as to raw based on existing protocol number At any protocol number.

In above-mentioned steps 302, after payment mechanism server receives any request, the aiming field of the request is read, when When the aiming field carries signatory mark information, which is determined as subscription request, to generate label according to the subscription request It about instructs, sends signing instruction to front server.

In some embodiments, when payment mechanism server receives the subscription request, the user can also first be detected Whether the indicated user of mark passes through real-name authentication, if sending real-name authentication instruction to terminal not over real-name authentication, After the user passes through real-name authentication, signing instruction is sent to the front server, thus before sending signing instruction, Preliminary identity veritification first is carried out to user, increases the safety of signing process.

Through the above steps 302, signing instruction is sent to front server, so that Issuer server is being verified When, protocol number and protocol number create-rule can be returned to payment mechanism server, allow payment mechanism server according to Demand voluntarily generates required protocol number, improves the flexibility of numerical value transfer process.

303, when the front server receives signing instruction, signing instruction is sent to Core server.

In above-mentioned steps 303, front server is to the receive process class in the receive process and above-mentioned steps 302 of instruction Seemingly, therefore not to repeat here, to forward the signing to instruct to Core server.

304, it when Core server receives signing instruction, is sent to the Issuer server of first object card Signing instruction.

Above-mentioned steps 304 send and receive that process is similar with above-mentioned steps 303, and this will not be repeated here.

In some embodiments, above-mentioned steps 302-304 can be payment mechanism server and be shifted by any value and led to Road sends signing instruction to the Issuer server, thus pass through the front server and Core server of liquidation organization, Signing instruction is issued to Issuer server, consequently facilitating signing information is registered by liquidation organization.

In some embodiments, if the Core server only provides clearance service and is not involved in signing process, may be used also After sending signing instruction to front server from payment mechanism server, which is forwarded directly to by front server Server certainly in some embodiments, should if policy allows payment mechanism server and Issuer server direct-connected Payment mechanism server can not also be by front server and Core server, and directly sending to the Issuer server should Signing instruction, further simplifies signing process.

305, when Issuer server receives signing instruction, the user identifier and card mark are tested Card.

In above-mentioned steps 305, Issuer server can in the database with the user identifier be index, inquiry with Index content corresponding to the user identifier, the index content may include corresponding with the user identifier in database at least one A card mark, when the card mark carried in signing instruction can hit any card mark in the index content, really Recognize and the user identifier and card identity verification are passed through.

Optionally, Issuer server can also be identified as index, inquiry and the card in the database with the card The corresponding index content of mark confirms when the user identifier can hit index content to the user identifier and card mark Knowledge is verified.

306, when being verified to the user identifier and the card, risk class of the Issuer server to the user It is verified with the risk class of the payment mechanism.

Since signing instruction is also used to obtain protocol number create-rule, Issuer server is to user identifier and card After piece identity verification passes through, can also further the risk class of user and payment mechanism be verified, that is to say, sent out Mechanism for card server can the only user controllable to risk and the open such service of payment mechanism.

In above-mentioned steps 306, Issuer server can be based on the user identifier, and it is right with user identifier institute to obtain The payment mechanism service is obtained when the risk class of the user is less than or equal to the first predetermined level using the risk class at family The risk class of payment mechanism corresponding to device, when the risk class of the payment mechanism is less than or equal to the second predetermined level, really It is fixed that risk class is verified.Wherein, first predetermined level and the second predetermined level may be the same or different, this Inventive embodiments do not limit this specifically.

In above-mentioned steps 305-306, Issuer server to the signing instruction carried out user identifier, card mark and The multiple Authority Verification of risk class has ensured the safety of signing process, optionally, in order to accelerate process of contracting, card sender Structure server can also verify at least one in user identifier, card mark and risk class, such as only verifying is used Family mark and card mark, the embodiment of the present invention do not limit Authority Verification content specifically.Optionally, card sending mechanism service Device can also be without Authority Verification, directly operation performed by execution following step 307, to further increase signing The response speed of process.

307, when the risk class to the user and payment mechanism is verified, Issuer server is sent to terminal Target verification code.

Optionally, which can be the random string etc. of Issuer server generation, such as the target Identifying code can be 6 Arabic numerals, can also include certainly letter, character etc., the embodiment of the present invention is not tested the target The content of card code is specifically limited.

In above-mentioned steps 307, if carrying the cell-phone number of terminal in signing instruction, Issuer server can To send target verification code to terminal corresponding to the cell-phone number, which can be sent by short message, can also be led to Multimedia message transmission is crossed, the embodiment of the present invention does not limit the transmission form of the target verification code specifically.

In some embodiments, if not having the cell-phone number of carried terminal in signing instruction, Issuer server can Formerly to obtain the cell-phone number that user reserves when opening the first object card, mesh is sent to terminal corresponding to the cell-phone number Mark identifying code.

308, Issuer server sends verifying notification instruction to front server, and the verifying notification instruction is for notifying The payment mechanism server shows identifying code input interface.

In some embodiments, if policy allows payment mechanism server and Issuer server direct-connected, the hair fastener Authority server directly can not also send the verifying notification instruction to payment mechanism server by front server, Thereby executing operation performed by following step 310, the step of contracting process is simplified, accelerates the response speed of signing process Degree.

309, when front server receives the verifying notification instruction, verifying notice is sent to payment mechanism server and is referred to It enables.

Above-mentioned steps 309 are similar with step 308, and therefore not to repeat here.

310, when payment mechanism server receives the verifying notification instruction, identifying code is provided for the terminal and inputs boundary Face.

Optionally, which may include the band frame of an input identifying code, so that user can be with base Identifying code is inputted in the band frame.

Optionally, payment mechanism server can also be according to the number of characters of target verification code, in the identifying code input interface Middle offer and the matched input frame of the number of characters, for example, when the target verification code is 6 Arabic numerals, in the identifying code 6 numeric input boxes are shown in input interface.

311, when the terminal receives the target verification code, if detected in the identifying code input interface to identifying code Input operation, obtain the identifying code of input.

In above-mentioned steps 311, when terminal detects the pressing operation to keyboard, terminal can be by the word of user's pressing Symbol is retrieved as the identifying code of the input.

312, terminal sends the identifying code to payment mechanism server.

Above-mentioned steps 312 are similar with step 309 previous, and therefore not to repeat here.

313, when payment mechanism server receives the identifying code, the identifying code is sent to front server.

Above-mentioned steps 313 are similar with step 309 previous, and therefore not to repeat here.

314, when front server receives the identifying code, the identifying code is sent to Issuer server.

Above-mentioned steps 314 are similar with step 309 previous, and therefore not to repeat here.

Optionally, if policy allows payment mechanism server and Issuer server direct-connected, the payment mechanism service Device directly can not also send the identifying code to Issuer server by front server, simplify signing process The step of, accelerate the response speed of signing process.

315, when Issuer server receives the identifying code, Issuer server tests the identifying code Card sends signing response to front server, which carries the association when being verified to the identifying code View number and the protocol number create-rule.

Wherein, protocol number and protocol number create-rule entrained by the signing response refer to the signing in step 302 Enable it is corresponding, the protocol number be used to indicate the user identifier, the card mark and this signing use numerical value transfering channel it Between corresponding relationship, which is used to generate any protocol number based on existing protocol number.

In above-mentioned steps 315, the identifying code and target verification code can be carried out canonical matching by Issuer server, When the identifying code is matched with the target verification code, the identifying code and above-mentioned steps 307 that payment mechanism server is submitted that is to say The identifying code that middle Issuer server issues is identical, it is determined that the identifying code is verified, otherwise, it determines authentication failed, Authentication failed response is sent to front server, and forwards the authentication failed to ring from front server to payment mechanism server It answers, and then sends authentication failed response from payment mechanism server to terminal.

307-315 through the above steps, to signing during signing instruction whether be first object card holder's sheet People initiates to be verified, and together forms multiple check to the Authority Verification of signing instruction with above-mentioned steps 305-306, from And while ensuring that signing instruction meets extent of competence, it whether is further first object card to signing instruction Holder initiates to verify, and so as to avoid acting as fraudulent substitute for a person to contract, further improves the safety of signing.

316, when front server receives the signing response, the signing response is sent to payment mechanism server Response.

Above-mentioned steps 316 are similar with step 309 previous, and therefore not to repeat here.

317, the protocol number create-rule is the transfer algorithm of coded format, when payment mechanism server receives the signing Response, payment mechanism server map the protocol number, obtain at least one agreement according to the transfer algorithm is based on Number.

In above-mentioned steps 317, payment mechanism server uses the transfer algorithm of coded format, in the existing protocol number On the basis of, mapping obtains at least one protocol number.For example, when the protocol number create-rule is One-way encryption algorithm, payment Authority server maps the protocol number according to the One-way encryption algorithm, to obtain at least one protocol number.

318, the protocol number and at least one protocol number are determined as multiple protocol numbers by payment mechanism server.

In above-mentioned steps 317-318, when permission is verified, payment mechanism server is according to the protocol number and agreement Number create-rule, obtains multiple protocol numbers, and multiple protocol number is used to indicate the user identifier, card mark and multiple numerical value Corresponding relationship between transfering channel, so as to not only obtain during once contracting and being verified to identifying code Protocol number corresponding to the numerical value transfering channel used with this signing is obtained, the protocol number and protocol number create-rule are also based on, Obtain corresponding with multiple numerical value transfering channels at least one protocol number (certainly, at least one protocol number also with the user Identify corresponding with card mark), to disposably obtain multiple protocol numbers, avoids and multiple numerical value transfering channels are carried out It repeats to contract, further, since Issuer server returns protocol number and protocol number create-rule, so that payment mechanism Server can voluntarily generate required protocol number as desired, improve the flexibility of numerical value transfer process.

319, when server receives the corresponding numerical value transfer request of the first object card, it is based on multiple protocol number Corresponding multiple numerical value transfering channels carry out numerical value transfer.

It should be noted that server, which can have been realized in, is once contracting after executing above-mentioned steps 301-318 Protocol number is obtained in the process, then can repeat above-mentioned steps 319 whenever receiving numerical value transfer request, being based on should Multiple protocol numbers execute numerical value transfer, and the detailed process about numerical value transfer will be described in detail in next embodiment.

Further, based on the transfer algorithm of coded format, existing protocol number is mapped, obtains at least one association View number, so as to voluntarily generate required protocol number according to the demand of payment mechanism server, improves numerical value transfer process Flexibility；Further, the multiple permission for having carried out user identifier, card mark and risk class to signing instruction is tested Card has ensured the safety of signing process.

The present invention can be executed during carrying out numerical value transfer based on multiple protocol numbers based on above-mentioned implementation environment The method that embodiment provides, Fig. 4 is a kind of interaction diagrams of numeric value transfer provided in an embodiment of the present invention, referring to fig. 4, It is illustrated so that computer equipment is payment mechanism server as an example, which includes:

401, when receiving numerical value transfer request corresponding with first object card, payment mechanism server is according to default Rule determines the first numerical value transfering channel, which is used to indicate the first object by target value from the first user Card is transferred to the second target card of second user.

Wherein, the first object card and the second target card can be used for carrying card identification, and optionally, this One target card and the second target card can have physical entity, may not possess physical entity, namely be merely empty Quasi- card, optionally, which can indicate fund numerical value, assets numerical value, ideal money numerical value and fictitious assets number Value etc., the embodiment of the present invention does not limit the type of the target value specifically.

Wherein, the first object card is different with the second target card, but first user and second user can phases Together, it can also be different, the embodiment of the present invention is only illustrated so that first user and second user are different user as an example, and In a kind of possible embodiment, when the first user is identical as second user, which can be indicated from by target Numerical value is transferred to the second target card of first user from the first object card of the first user.

Optionally, the embodiment of the present invention is only to be transferred to the second use from the first object card of the first user for target value It is illustrated for the second target card at family, it in some embodiments, can also be by target value from the first of the first user Target card is transferred to virtual account of the second user on the payment mechanism server, so as to allow second user with with It takes, such as the wechat change of second user, Alipay remaining sum etc., the embodiment of the present invention does not receive target value to the second user Account specifically limited.

In above-mentioned steps 401, which may is that will clear the minimum numerical value transfering channel of service charge is determined as The first numerical value transfering channel；Or, the highest numerical value of success rate in the default number transaction before current time is shifted logical Road is determined as the first numerical value transfering channel；Or, will the highest numerical value transfer of success rate in preset duration before current time Channel is determined as the first numerical value transfering channel.Wherein, the default number and preset duration may be greater than 0 any value.

For example, the preset rules are by the highest numerical value transfering channel of success rate is true in 10,000 transactions before current time Be set to the first numerical value transfering channel or the preset rules be will in front of current time 1 hour the highest number of success rate Value transfering channel is determined as the first numerical value transfering channel, to further guarantee that numerical value shifts success rate.

In above process, the first numerical value transfering channel is determined according to preset rules, so as to save service charge, or Further guarantee that numerical value shifts success rate, in some embodiments, payment mechanism server can also be whenever receiving terminal Numerical value transfer request, directly shifted by default value transfering channel, thus not according to preset rules to the first numerical value Transfering channel is determined, and accelerates the response speed of numerical value transfer.

It should be noted that the embodiment of the present invention only determines that the first numerical value turns according to preset rules with payment mechanism server Mobile Communication is illustrated for road, when carrying out numerical value transfer failure based on the first numerical value transfering channel, provides based on the second number It is worth transfering channel and carries out numerical value transfer, to avoid repeating to contract, provides payment success rate.In some embodiments, server Either objective numerical value transfering channel can be determined according to the preset rules, be not limited to the first numerical value transfering channel, in addition, In some embodiments, server can not also execute above-mentioned steps 401, that is to say and do not determine first numerical value according to preset rules Transfering channel, but the default number transfering channel that technical staff sets directly is determined as the first numerical value transfering channel, The embodiment of the present invention does not limit the method for determination of the first numerical value transfering channel specifically.

402, payment mechanism server is from multiple protocol numbers corresponding with the first object card of first user, root According to the mapping relations of numerical value transfering channel and protocol number, the first protocol number is determined.

Wherein, first protocol number is corresponding with first user, first object card and the first numerical value transfering channel.

Optionally, the mapping relations of the numerical value transfering channel and protocol number can be the signing response in above-described embodiment and ring Entrained by answering, certainly, payment mechanism server can also be sent out by any value transfering channel to Issuer server Mapping relations acquisition request is sent, to obtain the mapping relations of the numerical value transfering channel and protocol number.

403, payment mechanism server is based on first protocol number, carries out numerical value by the first numerical value transfering channel and turns It moves.

May include following sub-steps in above-mentioned steps 403:

4031, payment mechanism server sends first to the first front server corresponding with the first numerical value transfering channel Numerical value transfer request, the first numerical value transfer request carry target value, the user identifier of the first user, first object card Card mark, the user identifier of second user, the card mark of the second target card and the first protocol number.

In above-mentioned steps, payment mechanism server can generate first numerical value according to the numerical value transfer request of terminal Transfer request, and then the first numerical value transfer request is sent to the first front server.

4032, it when the first front server receives the first numerical value transfer request, is sent to the first Core server The first numerical value transfer request.

In above-mentioned steps 4032, after the first front server receives any request, the aiming field of the request is read, when When the aiming field carries numerical value transfer identification information, which is determined as numerical value transfer request, to take to the first core Business device sends the numerical value transfer request.

4033, when the first Core server receives the first numerical value transfer request, to Issuer server and receipts Single authority server sends the first numerical value transfer request.

Above-mentioned steps 4033 are similar with step 4032, and therefore not to repeat here.

4034, when Issuer server receives the first numerical value transfer request, to the first object of first user Card carries out producing for target value.

In above-mentioned steps 4034, Issuer server can using the user identifier of first user as index, The index content under the index is inquired in database, the card mark in the card mark hit index content of first object card When knowledge, the card indicated to card mark carries out producing for target value.

4035, when acquirer server receives the first numerical value transfer request, to the second target of the second user Card carries out being transferred to for target value.

Above-mentioned steps 4035 are similar with step 4034, and therefore not to repeat here.

Above-mentioned steps 4031-4035 is primary the step of successfully numerical value passes through required for shifting, and works as any of the above-described step When rapid failure, the alternate device for sending the failed server of failure sends numerical value transfer to payment mechanism server and unsuccessfully rings It answers, which can be network fluctuation, system exception etc..

404, when numerical value shifts failure, the alternate device for sending the failed server of failure is sent out to payment mechanism server Numerical value is sent to shift failure response.

Optionally, numerical value transfer failure response can carry the mark of fault type mark and failed server.

405, payment mechanism server receives numerical value and shifts failure response, and numerical value transfer failure response is used to indicate user The numerical value transfer failure that target card is carried out based on the first numerical value transfering channel corresponding to the first protocol number.

Above-mentioned steps 405 are similar with step 4032, and therefore not to repeat here.

406, payment mechanism server is based on the numerical value and shifts failure response, determines the failed server to break down.

It, will be with if carrying the mark of failed server in numerical value transfer failure response in above-mentioned steps 406 The corresponding server of the mark is determined as failed server, and optionally, if do not carried in numerical value transfer failure response When the mark, the sender which shifts failure response can also be determined as failed server.

407, payment mechanism server determines second value transfering channel according to the failed server.

In above process, optionally, the first numerical value transfering channel and the second value transfering channel can be same Channel provided by the different front servers of liquidation organization；Or, the first numerical value transfering channel and second value transfer are logical Road can be channel provided by the different front servers of different liquidation organizations.

Based on the above situation, above-mentioned steps 407 can be replaced using following manner:

When the failed server is front server, payment mechanism server will belong to the first numerical value transfering channel Channel provided by the different front servers of same liquidation organization is determined as the second value transfering channel；Or,

When the failed server is Core server, payment mechanism server will belong to the first numerical value transfering channel Channel provided by any front server of different liquidation organizations is determined as the second value transfering channel.

It, can be when the front server of liquidation organization breaks down, by the liquidation organization by above-mentioned alternative Channel provided by another front server is determined as second value transfering channel, so as to switch in same liquidation organization The clearance service charge of another numerical value transfering channel, usual same liquidation organization is identical, so as to reduce numerical value to the greatest extent The cost that transfer process is spent further breaks down if it is the Core server of liquidation organization, no matter at this time at this How to switch in liquidation organization all can not successfully carry out numerical value transfer, then can be by any front server of another liquidation organization Provided channel is determined as second value transfering channel, to directly switch liquidation organization, guarantee number to the full extent It is worth the efficiency of transfer.

408, payment mechanism server is from multiple protocol numbers corresponding with the first object card of first user, root According to the mapping relations of numerical value transfering channel and protocol number, second protocol number is determined.

Wherein, the second protocol number is corresponding with first user, first object card and second value transfering channel.

Above-mentioned steps 408 are similar with the process of second protocol number determining in step 402, and therefore not to repeat here.

In above-mentioned steps 406-408, payment mechanism server is obtained and the target card corresponding second of the user Protocol number, the second protocol number correspond to second value transfering channel, are contracted again without user to obtain second protocol Number, but from the multiple protocol numbers obtained during signing, it determines the second protocol number, improves the efficiency of numerical value transfer.

In some embodiments, payment mechanism server can also obtain second protocol number according to priority list, namely Be: payment mechanism server is stored with priority list, after receiving numerical value transfer failure response, in the priority list The protocol number of the priority ratio low level-one of the first protocol number is determined as the second protocol by the priority for inquiring first protocol number Number, so as to realize the sequence for the priority for carrying out numerical value transfer to each numerical value transfering channel, taken in different payment mechanisms The priority list can be different on business device, thus the setting that carrying out can be more personalized.

409, payment mechanism server is based on the second protocol number, carries out numerical value by the second value transfering channel and turns It moves.

Above-mentioned steps 409 are similar with above-mentioned steps 403, and therefore not to repeat here.

It should be noted that if still being counted during carrying out numerical value transfer by the second value transfering channel Value transfer failure, can return to step operation performed by 404-409 at this time, hence into circulation, until numerical value shifts Success.

Method provided in an embodiment of the present invention, by determining according to preset rules when receiving numerical value transfer request One numerical value transfering channel carries out numerical value transfer based on the first protocol number corresponding with the first numerical value transfering channel, so as to save About service charge, or further guarantee that numerical value shifts success rate；If numerical value transfer failure receives numerical value transfer and unsuccessfully rings It answers, numerical value transfer failure response is used to indicate the first user based on the first numerical value transfering channel pair corresponding to the first protocol number The numerical value that first object card is carried out shifts failure, contracts, but is directly acquired with first user's without repeating The corresponding second protocol number of first object card, the second protocol number correspond to second value transfering channel, based on this second Protocol number carries out numerical value transfer by the second value transfering channel, so that after a numerical value transfer failure, it can be from signing Second protocol number is directly acquired in the multiple protocol numbers obtained in the process, avoids the cumbersome process for repeating signing, optimization The efficiency of numerical value transfer, further, due to repeatedly inputting identifying code without user, also avoid first user abandon it is defeated Enter and caused by numerical value transfer utter failure, thus improve numerical value transfer success rate, the user experience is improved.Further Ground determines second value transfering channel according to failed server, thus while guaranteeing numerical value transfer success rate, utmostly Upper guarantee does not change the clearance service charge of numerical value transfer, reduces the cost of numerical value transfer process.

Fig. 5 is a kind of structural schematic diagram of numerical value transfer device provided in an embodiment of the present invention.Referring to Fig. 5, the embodiment Include:

Sending module 501, for being taken to card sending mechanism corresponding to first object card by any value transfering channel Business device sends signing instruction, and signing instruction is used to obtain protocol number corresponding with the numerical value transfering channel and protocol number generates rule Then, which is used to generate any protocol number based on existing protocol number；

Receiving module 502, for when permission is verified, receiving signing response, which is carried The protocol number and the protocol number create-rule；

First obtains module 503, should for obtaining multiple protocol numbers according to the protocol number and the protocol number create-rule Multiple protocol numbers are used to indicate the corresponding relationship between user identifier, card mark and multiple numerical value transfering channels；

Numerical value shift module 504, for being based on when receiving numerical value transfer request corresponding with the first object card Multiple numerical value transfering channels corresponding to multiple protocol number carry out numerical value transfer.

Device provided in an embodiment of the present invention, by any value transfering channel, to hair corresponding to first object card Mechanism for card server sends signing instruction, due to signing instruction for obtain corresponding with numerical value transfering channel protocol number and Protocol number create-rule, which is used to generate any protocol number based on existing protocol number, so that working as permission When being verified, reception signing response can be arrived, which carries the protocol number and the protocol number generates rule Then, the protocol number create-rule is also additionally obtained just because of during primary signing, made it possible to according to the agreement Number and the protocol number create-rule, obtain multiple protocol numbers, multiple protocol number is used to indicate user identifier, card mark and more Corresponding relationship between a numerical value transfering channel, on the basis of primary signing obtains multiple protocol numbers, when receive with this When the corresponding numerical value transfer request of one target card, based on multiple numerical value transfering channel corresponding to multiple protocol number, carry out Numerical value transfer, so as to multiple protocol numbers of multiple numerical value transfering channels be got, so that subsequent during primary signing When using other numerical value transfering channels, without contracting again, the cumbersome process for repeating signing, optimization are also avoided The efficiency of numerical value transfer is conducive to the success rate for improving numerical value transfer.

In a kind of possible embodiment, which is used for:

In a kind of possible embodiment, the device based on Fig. 5 is formed, which includes:

In a kind of possible embodiment, which is used for:

In a kind of possible embodiment, the device composition based on Fig. 5, the device further include:

The receiving module 502, is also used to receive numerical value transfer failure response, and numerical value transfer failure response is used to indicate base The numerical value transfer failure that the first numerical value transfering channel corresponding to the first protocol number carries out the first object card；

The numerical value shift module 504 carries out numerical value by the second value transfering channel for being based on the second protocol number Transfer.

In a kind of possible embodiment, which is also used to:

It should be understood that numerical value transfer device provided by the above embodiment is when shifting numerical value, only with above-mentioned each function The division progress of module can according to need and for example, in practical application by above-mentioned function distribution by different function moulds Block is completed, i.e., the internal structure of computer equipment is divided into different functional modules, with complete it is described above whole or Partial function.In addition, numerical value transfer device provided by the above embodiment and the embodiment of the method for numerical value transfer belong to same design, Its specific implementation process is detailed in numeric value transfer embodiment, and which is not described herein again.

Fig. 6 is the structural schematic diagram of computer equipment provided in an embodiment of the present invention, which can be because of configuration Or performance is different and generate bigger difference, may include one or more processors (central processing Units, CPU) 601 and one or more memory 602, in some embodiments, which can be with Be: smart phone, tablet computer, MP3 player (Moving Picture Experts Group Audio Layer III, Dynamic image expert's compression standard audio level 3), MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert's compression standard audio level 4) player, laptop or desktop computer.Computer equipment 600 is also Other titles such as terminal, server, user equipment, portable terminal, laptop terminal, terminal console may be referred to as.

Wherein, it is stored at least one instruction in the memory 602, which is loaded by the processor 601 And the numeric value transfer executed to realize above-mentioned each numeric value transfer embodiment offer.Certainly, the computer equipment 600 There can also be the components such as wired or wireless network interface, keyboard and input/output interface, to carry out input and output, the meter Calculating machine equipment 600 can also include other for realizing the component of functions of the equipments, and this will not be repeated here.

In the exemplary embodiment, a kind of computer readable storage medium is additionally provided, for example including at least one instruction Memory, it is above-mentioned at least one instruction can by the processor in terminal execute to complete numerical value transfer side in above-described embodiment Method.For example, the computer readable storage medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk and Optical data storage devices etc..

Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware It completes, relevant hardware can also be instructed to complete by program, which can store in a kind of computer-readable storage In medium, storage medium mentioned above can be read-only memory, disk or CD etc..

The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.

Claims

1. a kind of numeric value transfer, which is characterized in that the described method includes:

By any value transfering channel, signing instruction, institute are sent to Issuer server corresponding to first object card Signing instruction is stated for obtaining protocol number corresponding with the numerical value transfering channel and protocol number create-rule, the protocol number is raw At rule for generating any protocol number based on existing protocol number；

When permission is verified, signing response is received, the signing response carries the protocol number and the association View create-rule；

According to the protocol number and the protocol number create-rule, multiple protocol numbers are obtained, the multiple protocol number is used to indicate Corresponding relationship between user identifier, card mark and multiple numerical value transfering channels；

When receiving numerical value transfer request corresponding with the first object card, based on corresponding to the multiple protocol number Multiple numerical value transfering channels carry out numerical value transfer.

2. the method according to claim 1, wherein described generate rule according to the protocol number and the protocol number Then, obtaining multiple protocol numbers includes:

The protocol number create-rule is the transfer algorithm of coded format, is based on the transfer algorithm, is carried out to the protocol number Mapping, obtains at least one protocol number；

The protocol number and at least one described protocol number are determined as the multiple protocol number.

3. the method according to claim 1, wherein the Authority Verification includes to the user identifier, described The verifying of card mark and at least one of risk class.

4. the method according to claim 1, wherein described corresponding with the first object card when receiving When numerical value transfer request, based on multiple numerical value transfering channel corresponding to the multiple protocol number, carrying out numerical value transfer includes:

5. according to the method described in claim 4, it is characterized in that, described determine target value transfering channel according to preset rules Include:

The highest numerical value transfering channel of success rate in default number transaction before current time is determined as the number of targets It is worth transfering channel；Or,

It will be determined as the target value transfer by the highest numerical value transfering channel of success rate in preset duration before current time Channel.

6. the method according to claim 1, wherein the method also includes:

It receives numerical value and shifts failure response, numerical value transfer failure response is used to indicate based on corresponding to the first protocol number the The numerical value transfer failure that one numerical value transfering channel carries out the first object card；

Second protocol number corresponding with the first object card is obtained, it is logical that the second protocol number corresponds to second value transfer Road；

7. according to the method described in claim 6, it is characterized in that, the first numerical value transfering channel and the second value turn Mobile Communication road is channel provided by the different front servers of same liquidation organization；Or,

8. according to the method described in claim 6, it is characterized in that, described obtain and the first object card corresponding second Protocol number includes:

From multiple protocol numbers corresponding with the first object card, closed according to the mapping of numerical value transfering channel and protocol number System, determines the second protocol number.

9. method according to claim 7 or 8, which is characterized in that it is described according to the failed server, determine described Two numerical value transfering channels include:

10. a kind of numerical value transfer device, which is characterized in that described device includes:

Sending module, for being sent out to Issuer server corresponding to first object card by any value transfering channel Signing is sent to instruct, the signing instruction generates rule for obtaining protocol number corresponding with the numerical value transfering channel and protocol number Then, the protocol number create-rule is used to generate any protocol number based on existing protocol number；

Receiving module, for when permission is verified, receiving signing response, the signing response carries the association View number and the protocol number create-rule；

First obtains module, described more for obtaining multiple protocol numbers according to the protocol number and the protocol number create-rule A protocol number is used to indicate the corresponding relationship between user identifier, card mark and multiple numerical value transfering channels；

Numerical value shift module, it is described for being based on when receiving numerical value transfer request corresponding with the first object card Multiple numerical value transfering channels corresponding to multiple protocol numbers carry out numerical value transfer.

11. a kind of computer equipment, which is characterized in that the computer equipment includes one or more processors and one or more A memory is stored at least one instruction in one or more of memories, and at least one instruction is by one Or multiple processors are loaded and are executed to realize the numeric value transfer as described in any one of claim 1 to claim 9 Performed operation.

12. a kind of computer readable storage medium, which is characterized in that be stored at least one instruction, institute in the storage medium At least one instruction is stated to be loaded as processor and executed to realize the number as described in any one of claim 1 to claim 9 It is worth operation performed by transfer method.