CN110942296A - Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method - Google Patents
Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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Abstract
The invention provides a transfer platform, comprising: the system comprises a first receiving device, a second receiving device and a third receiving device, wherein the first receiving device is used for receiving a transfer request from a roll-out acceptance mechanism, the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party; the searching device is used for searching the payment equipment number associated with the mobile phone number of the transfer-in party according to the mobile phone number of the transfer-in party; and the first sending device is used for sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment equipment number so as to notify a transfer-in party to collect money, wherein the transfer notification comprises the payment equipment number and the transfer amount. The invention also provides a roll-out acceptance mechanism, a computer storage medium and an execution method.
Description
Technical Field
The invention relates to the field of transfer payment, in particular to a transfer platform, a transfer-in/out acceptance mechanism, a computer storage medium and an execution method.
Background
At present, the transfer and payment of mobile phone banking and internet banking are realized, and the bank card number is basically used as a main target identifier. For example, the process of transferring money between bank cards by using a bank client is as follows: firstly, a user inputs a username, a card number, a bank and a transfer amount of a transfer party; then, the user verifies through a withdrawal password and/or a mobile phone verification code; then, if the transferred bank successfully verifies the account name and the account number of the payee, the transfer operation is executed; finally, after the transfer is successfully carried out, the bank records the account name and the card number of the transfer party, and the subsequent transfer can be automatically filled in by clicking the record.
However, the scheme of transferring accounts through the bank card number needs the transfer party to manually input the name of the transfer party, the bank card number and the bank to which the transfer party belongs so as to transfer the accounts, and the input steps are too complicated for the transfer party. In addition, the transfer party needs to inform the complete bank card account information (including the card number), which causes a certain privacy disclosure risk.
The Chinese patent 'mobile banking business processing method, device and system' (application number: CN201310389925.5) describes a method and system for transferring accounts by using mobile phone numbers. The specific process is as follows: (1) the user A opens the application of the bank for transferring out the bank card, and inputs the transfer amount and the phone number of the payee; (2) the payment bank freezes the fund of the bank A and sends a search request to the number management platform; (3) the number management platform searches all bank card accounts corresponding to the mobile phone number, replies the search result to a payment bank, and determines a specific target account for transferring accounts by the user A; (4) and if the target agrees to transfer, transferring accounts by using a traditional transfer process according to the target account information. In the prior art, the transfer party selects the transfer account, so that the platform needs to inform the transfer party of the bank account information of the transfer party, and unnecessary privacy disclosure is caused. In addition, the user funds are frozen when the transfer is initiated in this prior art, and thus there is a potential risk of funds.
The above information disclosed in this background section is only for enhancement of understanding of the general background of the invention and should not be taken as an acknowledgement or any form of suggestion that this information forms the prior art already known to a person skilled in the art.
Disclosure of Invention
To solve at least one of the problems of the prior art above, the present invention provides a transfer platform comprising: the system comprises a first receiving device, a second receiving device and a third receiving device, wherein the first receiving device is used for receiving a transfer request from a roll-out acceptance mechanism, the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party; the searching device is used for searching the payment equipment number associated with the mobile phone number of the transfer-in party according to the mobile phone number of the transfer-in party; and the first sending device is used for sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment equipment number so as to notify a transfer-in party to collect money, wherein the transfer notification comprises the payment equipment number and the transfer amount.
Optionally, in the above transfer platform, the transfer request further includes transfer party information.
Optionally, in the above transfer platform, the transferor information further includes a transferor name.
Optionally, in the above transfer platform, the payment device number is a mobile phone secure element identification number SEID.
Optionally, the above transfer platform further includes: and the second receiving device is used for receiving the account card information from the transfer-in receiving mechanism.
Optionally, the above transfer platform further includes: the second sending device is used for sending a real-name inquiry request to a first bank to which the bank card of the transfer-in party belongs; third receiving means for receiving a reply to the real name inquiry request from the first bank, the reply including the cardholder name of the privacy-processed transferee bank card; and a third sending device, which is used for sending the name of the cardholder of the bank card of the transfer-in party after privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party.
Optionally, the above transfer platform further includes: the inquiry device is used for initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and a setting device for setting a transfer-in acceptance mechanism corresponding to the payment device number as a preferred notification according to the payment device number fed back by the operator.
Optionally, in the transfer platform, the first sending device is configured to send a transfer notification to a plurality of transfer-in acceptance mechanisms corresponding to the plurality of payment device numbers according to a certain priority order when the plurality of payment device numbers associated with the mobile phone number of the transfer-in party are found by the searching device.
According to another aspect of the invention, there is provided a method performed by a transfer platform, the method comprising: receiving a transfer request from a roll-out acceptance mechanism, wherein the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party; searching a payment equipment number associated with the transfer-in party mobile phone number according to the transfer-in party mobile phone number; and sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment device number so as to notify a transfer-in party to collect money, wherein the transfer notification comprises the payment device number and the transfer amount.
Optionally, in the method, the transfer request further includes transfer party information.
Optionally, in the above method, the transferor information further includes a transferor name.
Optionally, in the above method, the payment device number is a mobile phone secure element identification number SEID.
Optionally, the method may further include: and receiving the account posting card information from the transfer-in acceptance mechanism.
Optionally, the method may further include: sending a real name inquiry request to a first bank to which the bank card of the transfer-in party belongs; receiving a reply to the real name query request from the first bank, the reply including a privacy-processed cardholder name of the in-transferor bank card; and sending the name of the cardholder of the bank card of the transfer-in party subjected to privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party.
Optionally, the method may further include: initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and setting a transfer-in acceptance mechanism corresponding to the payment equipment number as a preferred notification according to the payment equipment number fed back by the operator.
Optionally, in the method, when a plurality of payment device numbers associated with the mobile phone number of the transfer-in party are found, transfer notification is sent to a plurality of transfer-in acceptance mechanisms corresponding to the plurality of payment device numbers according to a certain priority order.
According to still another aspect of the present invention, there is provided a roll-out receiving mechanism including: and the sending device is used for sending a transfer request to the transfer platform, wherein the transfer request comprises a transfer party mobile phone number.
Optionally, the roll-out receiving mechanism further includes: and the receiving device is used for receiving a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, wherein the roll-out request comprises a roll-out party account ID, a payment mark corresponding to a roll-out party bank card, roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party.
Optionally, the roll-out receiving mechanism further includes: and the verification device is used for verifying the authenticity of the account ID of the transfer party by searching the payment mark list corresponding to the account ID of the transfer party and comparing the payment mark list with the received payment mark corresponding to the bank card of the transfer party.
Optionally, the roll-out receiving mechanism further includes: and the scoring device is used for scoring the risk of the transfer transaction according to the risk related information in the transfer-out request.
Optionally, the roll-out receiving mechanism further includes: and the searching device is used for searching the binding information corresponding to the mobile phone number of the transfer-in party.
Optionally, in the roll-out acceptance mechanism, the sending device is configured to notify the roll-in party by itself when the searching device finds the binding information.
According to yet another aspect of the present invention, there is provided a method performed by a roll-out handling mechanism, the method comprising: and sending a transfer request to the transfer platform, wherein the transfer request comprises a transfer party mobile phone number.
Optionally, the method further includes: and receiving a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, wherein the roll-out request comprises roll-out party information, roll-in party information and transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party.
Optionally, the method further includes: and evaluating the risk level of the roll-out party information through the internally stored information.
Optionally, the method further includes: the roll-out request also comprises risk related information, and the roll-out acceptance mechanism carries out risk scoring on the roll-out transaction at least according to the risk related information in the roll-out request.
According to yet another aspect of the present invention, there is provided a transfer-in acceptance mechanism, comprising: and the first receiving device is used for receiving a transfer notice from the transfer platform, wherein the transfer notice comprises a payment equipment number and a transfer amount.
Optionally, the transfer-in receiving mechanism further includes: and the notification device is used for notifying the transfer party to collect money.
Optionally, the transfer-in receiving mechanism further includes: second receiving means for receiving the selected transfer card number from the transfer-in party.
According to a further aspect of the present invention, there is provided a method performed by a shift-in acceptance mechanism, the method comprising: and receiving a transfer notice from the transfer platform, wherein the transfer notice comprises the number of the payment equipment and the transfer amount.
Optionally, the method further includes: the notification is transferred to the party for collection.
Optionally, the method further includes: receiving the selected transfer card number from the transfer party.
According to yet another aspect of the invention, a computer storage medium is provided that includes instructions that, when executed, are configured to perform a method as performed by a transfer platform as described above, a method as performed by a roll-out acceptor mechanism as described above, or a method as performed by a roll-in acceptor mechanism as described above.
Compared with the traditional bank card number transfer mode, the mobile phone number transfer scheme provided by the invention can reduce the transfer content required to be input by a user, reduce the transfer time and communication cost and improve the transfer efficiency. In addition, the technical scheme of the invention can support transfer among the cross-payment platforms, and the transfer parties do not need to own the account of the same third-party payment provider. In addition, the technical scheme of the invention allows the transfer party to select the account to be checked by himself during the transfer process, and the transfer party does not need to be informed each time, so that the transfer method is convenient and quick. Moreover, because the account is selected by self (protected by the TOKEN technology) instead of informing the transfer party of the real card number, the privacy risk possibly caused by the card number leakage is avoided. Finally, in the technical solution of the present invention, the funds are actually transferred out after the second confirmation, thereby avoiding possible risk of funds to the maximum extent.
Other features and advantages of the methods and apparatus of the present invention will be more particularly apparent from or elucidated with reference to the drawings described herein, and the following detailed description of the embodiments used to illustrate certain principles of the invention.
Drawings
FIG. 1 is a block diagram illustrating a transfer platform according to one embodiment of the invention;
FIG. 2 is a flow diagram of a method performed by the transfer platform illustrating one embodiment of the invention;
fig. 3 is a schematic configuration diagram showing a roll-out receiving mechanism according to an embodiment of the present invention;
FIG. 4 is a flow chart illustrating a method performed by the roll-out acceptance mechanism in accordance with one embodiment of the present invention; and
fig. 5 is a flowchart showing the overall system for transferring money using a mobile phone number according to an embodiment of the present invention.
Detailed Description
The following description describes specific embodiments of the invention to teach those skilled in the art how to make and use the best mode of the invention. For the purpose of teaching inventive principles, some conventional aspects have been simplified or omitted. Those skilled in the art will appreciate variations from these embodiments that will fall within the scope of the invention. Those skilled in the art will appreciate that the features described below can be combined in various ways to form multiple variations of the invention. Thus, the present invention is not limited to the specific embodiments described below, but only by the claims and their equivalents.
FIG. 1 is a block diagram of a transfer platform illustrating one embodiment of the invention. As shown in FIG. 1, the transfer platform 1000 includes a first receiving device 110, a lookup device 120, and a first sending device 130. The first receiving device 110 is configured to receive a transfer request from a roll-out acceptance mechanism, where the transfer request includes roll-in party information and a transfer amount, and the roll-in party information includes a mobile phone number of a roll-in party. The searching device 120 is configured to search, according to the mobile phone number of the transfer-in party, a payment device number associated with the mobile phone number of the transfer-in party. The first sending device 130 is configured to send a transfer notification to a transfer-in acceptance mechanism corresponding to the payment device number so as to notify a transfer-in party of collection, where the transfer notification includes the payment device number and the transfer amount.
It is understood that in the context of the present invention, the roll-out acceptance mechanism may be a payment management platform to which the user's mobile phone belongs, for providing a fund roll-out service for the user's mobile phone. Similarly, the transfer-in acceptance agency is used to provide funds transfer-in services for the user's handset.
In one embodiment, the transfer request includes, in addition to the transferor information and the transfer amount, transferor information, such as a transferor account ID and a payment tag corresponding to a transferor bank card, which is not limited herein. In one embodiment, the ported-in information includes a ported-in name in addition to a ported-in phone number. In one embodiment, the payment device number is a mobile phone secure element identification number SEID, which is a number equivalent to the device number.
Although not shown in FIG. 1, in one embodiment, the transfer platform 1000 may also include: and a second receiving device, configured to receive the account entry card information from the transfer acceptance mechanism, such as a bank card number, a payment sign, or a bank account, which is not limited herein. In one embodiment, the above-mentioned transfer platform 1000 may further include: the second sending device is used for sending a real-name inquiry request to a first bank to which the bank card of the transfer-in party belongs; third receiving means for receiving a reply to the real name inquiry request from the first bank, the reply including the cardholder name of the privacy-processed transferee bank card; and a third sending device, which is used for sending the name of the cardholder of the bank card of the transfer-in party after privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party. In one embodiment, the above-mentioned transfer platform 1000 may further include: the inquiry device is used for initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and a setting device for setting a transfer-in acceptance mechanism corresponding to the payment device number as a preferred notification according to the payment device number fed back by the operator.
In one embodiment, the first sending device 130 is configured to send the transfer notification to the transfer-in acceptance mechanisms corresponding to the plurality of payment device numbers according to a certain priority order when the searching device 120 searches the plurality of payment device numbers associated with the transfer-in party mobile phone number.
FIG. 2 is a flow diagram of a method performed by the transfer platform illustrating one embodiment of the invention. As shown in FIG. 2, the method 2000 performed by the transfer platform includes the following steps: step 210, receiving a transfer request from a roll-out acceptance mechanism, wherein the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party; step 220, according to the mobile phone number of the transfer-in party, searching a payment equipment number associated with the mobile phone number of the transfer-in party; and step 230, sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment device number so as to notify a transfer-in party to collect money, wherein the transfer notification comprises the payment device number and the transfer amount.
In one embodiment of the method 2000, the transfer request includes, in addition to the transferor information and the transfer amount, transferor information, such as, but not limited to, a transferor account ID and a payment tag corresponding to a transferor bank card. In one embodiment, the ported-in information includes a ported-in name in addition to a ported-in phone number. In one embodiment, the payment device number is a mobile phone secure element identification number SEID, which is a number equivalent to the device number. Optionally, the method may further include: the transfer acceptance mechanism receives the account entry card information, such as a bank card number, a payment sign or a bank account, and the like, which is not limited herein.
Although not shown in fig. 2, in one embodiment, the method 2000 described above may further include: sending a real name inquiry request to a first bank to which the bank card of the transfer-in party belongs; receiving a reply to the real name query request from the first bank, the reply including a privacy-processed cardholder name of the in-transferor bank card; and sending the name of the cardholder of the bank card of the transfer-in party subjected to privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party. In one embodiment, the method 2000 may further include: initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and setting a transfer-in acceptance mechanism corresponding to the payment equipment number as a preferred notification according to the payment equipment number fed back by the operator.
In one embodiment, when a plurality of payment device numbers associated with the mobile phone number of the transfer-in party are found, transfer notification is sent to a plurality of transfer-in acceptance mechanisms corresponding to the plurality of payment device numbers according to a certain priority order.
Fig. 3 is a schematic configuration diagram showing a roll-out receiving mechanism according to an embodiment of the present invention. As shown in fig. 3, the roll-out receiving mechanism 3000 includes: a receiving device 310, an authentication device 320, and a transmitting device 330. The receiving device 310 is configured to receive a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, where the roll-out request includes a roll-out party account ID, a payment label corresponding to a roll-out party bank card, roll-in party information, and a transfer amount, and the roll-in party information includes a roll-in party mobile phone number. The verification device 320 is configured to verify the authenticity of the account ID of the transfer party by searching the payment token list corresponding to the account ID of the transfer party and comparing the payment token list with the payment token corresponding to the received transfer party bank card. The sending device 330 is used for sending a transfer request to a transfer platform (such as the transfer platform shown in fig. 1), wherein the transfer request comprises the transfer-in party mobile phone number.
Although not shown in fig. 3, in one embodiment, the roll-out receiving mechanism 3000 further includes: and the scoring device is used for scoring the risk of the transfer transaction according to the risk related information in the transfer-out request. In one embodiment, the roll-out receiving mechanism 3000 further includes: and the searching device is used for searching the binding information corresponding to the mobile phone number of the transfer-in party. In one embodiment, the sending device 330 is configured to notify the transferring party by itself when the lookup device 320 finds the binding information.
Fig. 4 is a flow chart of a method performed by the roll-out receiving mechanism according to an embodiment of the present invention. As shown in fig. 4, a method 4000 executed by the roll-out receiving mechanism includes: step 410, receiving a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, wherein the roll-out request comprises a roll-out party account ID, a payment mark corresponding to a roll-out party bank card, roll-in party information and a transfer amount, and the roll-in party information comprises a roll-in party mobile phone number; step 420, verifying the authenticity of the account ID of the transferor by looking up a payment tag list corresponding to the account ID of the transferor and comparing the payment tag list with the payment tag corresponding to the received bank card of the transferor; and step 430, sending a transfer request to a transfer platform, wherein the transfer request comprises the mobile phone number of the transfer-in party.
Although not shown in fig. 4, in one embodiment, the method 4000 further comprises: and at least carrying out risk scoring on the transfer transaction according to the risk related information in the transfer-out request. In one embodiment, the method 4000 further comprises: and searching binding information corresponding to the mobile phone number of the transfer-in party. In one embodiment, the transfer-in party is automatically notified when the binding information is found.
Fig. 5 is a flowchart showing the overall system for transferring money using a mobile phone number according to an embodiment of the present invention. Referring to fig. 5, in one embodiment, a user presses a shortcut key on a mobile phone, quickly enters a mobile phone Pay wallet interface, selects a transferred bank card (example: 62 x 8888) and clicks a transfer function, selects a payee and a mobile phone number of the payee (example: zhang san 13888888888) in a contact list manner and inputs a transfer amount (example: 100 yuan), and finally passes fingerprint verification of the mobile phone Pay wallet. Next, as shown in step 1 in fig. 5, the mobile phone Pay wallet issues a transfer-out request to the management platform (hereinafter referred to as a transfer-out receiving mechanism) of the mobile phone Pay to which the wallet belongs, according to the information input and selected by the user. Com, the payment mark corresponding to the bank card of the roll-out party, i.e. Token (example 6200123412341234), the transfer amount (100 yuan), the information of the roll-in party (zhang 13888888888), and the information related to the risk (On-device indicator).
With continued reference to fig. 5, in step 2, the roll-out acceptance authority verifies the authenticity of the roll-out party account ID via the internally stored binding information (e.g., look up the Token list corresponding to the account ID instance @ test. com in the roll-out acceptance authority's database and compare it with the submitted Token), and performs a transaction risk score (assuming that the evaluation result is low risk in this example).
After the authenticity verification and the risk assessment are passed, the roll-out acceptance agency sends a roll-in notification request to the transfer platform in step 3. The request content comprises: the transfer-in party's mobile phone number, the transfer-in party's name, and the transfer amount.
Next, in step 4, the transfer platform mobile phone number transfer platform finds all mobile phone Pay device IDs associated with the transfer platform according to the mobile phone number (13888888888) of the transfer party (for example, a device with a device ID of SEID1 is bound on the millet Pay platform), and sends a transfer notification to the mobile phone Pay management platform (also called a transfer-in management platform or a transfer-in acceptance mechanism) of all associated devices in step 5, where the notification content includes: the SEID of the associated device and the transfer amount. For example, in one embodiment, the system sends a "100-dollar transfer of a device targeted to SEID 1" message to the millet Pay platform.
In step 6, the transfer-in management platform notifies the mobile terminal of SEID1 of the transfer request.
Subsequently, in step 7, the mobile terminal displays the transfer information to the transferring party. It will be understood by those skilled in the art that the specific display format may be determined by the manufacturer of the respective mobile phone, and the present invention is not limited thereto. In step 8, the transferor confirms the transfer information via the mobile phone pay wallet, picks the credited bank card (here assumed to be 62 x 6666) and confirms. Next, in step 9, the mobile phone pay wallet of the transfer-in party replies the selected charge card information to the transfer-in management platform. It will be appreciated by those skilled in the art that when the transferring party has multiple check-in cards, the transferring party may select one of them and confirm it with the transfer acceptance authority. When the transfer party has only one card, the transfer party only needs to confirm to the transfer acceptance mechanism without a selection step. In step 10, the transfer is submitted to the transfer platform by the transfer-in management platform. The information of the account-in card is similar to the format of the information of the roll-out request, and comprises the account ID (example: example2@ test. com) of the roll-in party and the roll-in card Token (example 6200567856785678). And the transfer platform receives the account card information from the transfer management platform and performs TOKEN removing operation on the TOKEN of the transfer party account.
In step 11, the transfer platform submits a real-name inquiry request to the bank to which the posting card belongs, and receives a reply in step 12. In this example, the transfer platform sends a real name inquiry request to the bank to which the card number 62 is 6666, and the bank replies authenticated and privacy-processed cardholder information (e.g. ". three") to the transfer platform. In steps 13 to 15, the transfer platform replies the verified name of the transfer-in cardholder to the transfer-out acceptance mechanism and notifies the transfer-out acceptance mechanism to allow the transfer-out party to perform secondary confirmation. The secondary confirmation information includes the name of the transferee (× three), the money receiving bank card (62 × 5678), and the amount of money transferred (100 yuan).
And the transfer-out party inputs the payment password to complete verification after secondary confirmation according to the verified transfer-in party information. In steps 16 to 18, the roll-out mobile phone Pay wallet submits a secondary confirmation result to the roll-out management platform. Comprises the following steps: com, a roll-out card TOKEN (6200123412341234), a transfer amount (100 yuan), a roll-out card PIN BLOCK, a transaction ciphertext and risk information (On-device Indicator), and after a roll-out management platform carries out risk scoring (low risk), a formal transfer request (which can contain information uploaded by a mobile phone Pay wallet and a risk scoring result) is submitted.
In steps 19 to 22, the transfer platform executes the transfer request and obtains the reply information of the transfer-out bank and the transfer-in bank (for example, the transfer serial number 001, the transfer is successful).
Finally, in step 23, the transfer platform replies the transfer result (transfer serial number 001, transfer success) to the management platforms of the transferring-in and transferring-out parties, and the transfer result is pushed to the user by the management platforms of the transferring-in and transferring-out parties.
In the above embodiment, the transfer party has only one binding record, and the transfer party belong to different mobile phone pay platforms.
Those skilled in the art will appreciate that in another embodiment, the transfer-in party and the transfer-out party may belong to the same mobile phone Pay platform, for example, Apple Pay is transferred to Apple Pay. In this embodiment, the forwarding party initiates a request for forwarding, as in step 1 of fig. 5. Then, the transfer-out acceptance mechanism finds the binding information of the transfer-in party on the mobile phone PAY management platform. Because the transfer-in party and the transfer-out party belong to the same mobile phone payment platform, the transfer-out acceptance mechanism selects to inform the transfer-in party by itself, and automatically carries out the subsequent processes of matching the bank card of the transfer-in party and inputting the transfer password by the transfer-out party, and the specific form is not regulated. And then, the roll-out acceptance mechanism sends the card numbers, the transfer amount and relevant verification information (such as passwords and the like) of the transfer parties to the mobile phone number transfer platform. And finally, the mobile phone number transfer platform executes the subsequent fund transfer step.
In yet another embodiment, the transfer-in party's phone number has a cell phone PAY binding record in multiple platforms. At the moment, the mobile phone number transfer platform needs to send matching query requests to a plurality of platforms, and obviously, the transfer platform can select to send the requests to the plurality of platforms at the same time. However, considering that a mobile phone number can only be activated in one mobile phone at the same time, it is obvious that a matching query system with priority is more effective. One possible alternative is proposed here: firstly, a transfer party normally initiates a mobile phone number transfer request; then, the mobile phone number transfer platform finds out the binding records of the same mobile phone number on different platforms in the records; then, the mobile phone number transfer platform sends an inquiry request to an operator to which the mobile phone number belongs, and inquires the ID of the equipment which currently activates the mobile phone number; then, the operator feeds back the equipment ID for activating the mobile phone number to the mobile phone number transfer platform (assuming that the mobile phone is a millet mobile phone); then, the mobile phone number transfer platform searches the device ID in the binding record, and if the device ID exists in the binding record, the transfer platform to which the device belongs is set as a preferred notification platform. And finally, the mobile phone number transfer system independently sends a transfer party matching request to the optimal notification platform for subsequent operation. For example, subsequent operations may remain consistent with corresponding steps in fig. 5.
In another embodiment, the binding records of the transferring party may also include binding records of the same platform as the transferring party (for example, the transferring party is an iphone, and the phone number of the transferring party has binding records on Apple Pay and millet Pay at the same time). The operation can be carried out according to the following flow: firstly, a transfer party normally initiates a mobile phone number transfer request; then, the binding record of the mobile phone number is recorded on the transfer-out acceptance platform, and the self-matching transfer-in party is selected; and if the transfer-out acceptance platform successfully completes the matching process of the transfer-in party, executing the transfer operation according to the flow of the embodiment that the transfer-in party and the transfer-out party belong to the same mobile phone pay platform. Otherwise, the roll-out acceptance platform cannot complete the roll-in party matching process in the platform, and the roll-in party mobile phone number is sent to the mobile phone number transfer platform. Then, the mobile phone number transfer platform searches the binding records of the transfer party in the binding records, and notifies the transfer-in acceptance platform according to a certain priority order. And finally, the transfer platform is transferred to complete the transfer party matching process, and a subsequent fund transfer process is carried out. An example of a priority order may be from top to bottom (1) an acceptance platform that is the same platform as the transferor (if the acceptance platform elects to let the transfer platform handle the transferor match work); (2) the mobile phone number currently activates the acceptance platform to which the terminal belongs.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus or computer program product. Accordingly, the present invention may take the form of hardware, software, or a combination of hardware and software. 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, optical storage, and the like) having computer-usable program code embodied therein.
The present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (platform systems) and computer program products according to embodiments of the invention. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable processing device to produce a sequence of instructions that implement specified operations.
In conclusion, the mobile phone number transfer scheme provided by the invention can reduce the transfer content required to be input by the user, reduce the transfer time and communication cost and improve the transfer efficiency. In addition, the technical scheme of the invention can support transfer among the cross-payment platforms, and the transfer parties do not need to own the account of the same third-party payment provider. In addition, the technical scheme of the invention allows the transfer party to select the account to be checked by himself during the transfer process, and the transfer party does not need to be informed each time, so that the transfer method is convenient and quick. Moreover, because the account is selected by self (protected by the TOKEN technology) instead of informing the transfer party of the real card number, the privacy risk possibly caused by the card number leakage is avoided. Finally, in the technical solution of the present invention, the funds are actually transferred out after the second confirmation, thereby avoiding possible risk of funds to the maximum extent.
The foregoing examples have generally described the transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium, and execution method of the present invention. Although only a few embodiments of the invention have been described in detail above, those skilled in the art will readily appreciate that the invention may be implemented in many other forms without departing from the spirit and scope thereof. Accordingly, the present examples and embodiments are to be considered as illustrative and not restrictive, and various modifications and substitutions may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims.
Claims (33)
1. A transfer platform, the platform comprising:
the system comprises a first receiving device, a second receiving device and a third receiving device, wherein the first receiving device is used for receiving a transfer request from a roll-out acceptance mechanism, the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party;
the searching device is used for searching the payment equipment number associated with the mobile phone number of the transfer-in party according to the mobile phone number of the transfer-in party; and
and the first sending device is used for sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment equipment number so as to notify a transfer-in party to collect money, wherein the transfer notification comprises the payment equipment number and the transfer amount.
2. A transfer platform as recited in claim 1, wherein the transfer request further includes roll-out information.
3. A transfer platform as recited in claim 1, wherein said transferor information further includes a transferor name.
4. A transfer platform as recited in claim 1, wherein the payment device number is a cell phone secure element identification number, SEID.
5. A transfer platform as claimed in any one of claims 1 to 4, further comprising:
and the second receiving device is used for receiving the account card information from the transfer-in receiving mechanism.
6. A transfer platform as recited in claim 5, further comprising:
the second sending device is used for sending a real-name inquiry request to a first bank to which the bank card of the transfer-in party belongs;
third receiving means for receiving a reply to the real name inquiry request from the first bank, the reply including the cardholder name of the privacy-processed transferee bank card; and
and the third sending device is used for sending the name of the cardholder of the bank card of the transfer-in party subjected to privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party.
7. A transfer platform as recited in claim 1, further comprising:
the inquiry device is used for initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and
and the setting device is used for setting the transfer-in acceptance mechanism corresponding to the payment equipment number as the preferred notification according to the payment equipment number fed back by the operator.
8. A transfer platform as claimed in claim 1, wherein said first sending means is configured to send notification of transfers to a plurality of transfer-in acceptance mechanisms corresponding to said plurality of payment device numbers in a prioritized order when said lookup means finds a plurality of payment device numbers associated with said transfer-in party's mobile phone number.
9. A method performed by a transfer platform, the method comprising:
receiving a transfer request from a roll-out acceptance mechanism, wherein the transfer request comprises roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party;
searching a payment equipment number associated with the transfer-in party mobile phone number according to the transfer-in party mobile phone number; and
and sending a transfer notification to a transfer-in acceptance mechanism corresponding to the payment device number so as to notify a transfer-in party of receiving money, wherein the transfer notification comprises the payment device number and the transfer amount.
10. The method as recited in claim 9 wherein the transfer request further includes roll-out information.
11. The method of claim 9 wherein the transferor information further includes a transferor name.
12. The method of claim 9, wherein the payment device number is a cell phone secure element identification number, SEID.
13. The method of any of claims 9 to 12, further comprising:
and receiving the account posting card information from the transfer-in acceptance mechanism.
14. The method of claim 13, further comprising:
sending a real name inquiry request to a first bank to which the bank card of the transfer-in party belongs;
receiving a reply to the real name query request from the first bank, the reply including a privacy-processed cardholder name of the in-transferor bank card; and
and sending the name of the cardholder of the bank card of the transfer-in party subjected to privacy processing to the transfer-out acceptance mechanism for confirmation of the transfer-out party.
15. The method of claim 9, further comprising:
initiating an inquiry request to an operator to which the mobile phone number of the transfer-in party belongs so as to inquire and activate the payment equipment number of the mobile phone number of the transfer-in party; and
and setting a transfer-in acceptance mechanism corresponding to the payment equipment number as a preferred notification according to the payment equipment number fed back by the operator.
16. The method as claimed in claim 9, wherein when a plurality of payment device numbers associated with the transfer-in party's mobile phone number are found, sending notification of transfers to a plurality of transfer-in acceptance mechanisms corresponding to the plurality of payment device numbers in a priority order.
17. A roll-out handling mechanism, comprising:
sending means for sending a transfer request to the transfer platform as claimed in any one of claims 1 to 8, the transfer request including a transfer-in party phone number.
18. The roll-out receiving mechanism of claim 17, further comprising:
and the receiving device is used for receiving a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, wherein the roll-out request comprises a roll-out party account ID, a payment mark corresponding to a roll-out party bank card, roll-in party information and a transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party.
19. The roll-out receiving mechanism of claim 17 or 18, further comprising:
and the verification device is used for verifying the authenticity of the account ID of the transfer party by searching the payment mark list corresponding to the account ID of the transfer party and comparing the payment mark list with the received payment mark corresponding to the bank card of the transfer party.
20. The roll-out receiving mechanism of claim 17, further comprising:
and the scoring device is used for scoring the risk of the transfer transaction according to the risk related information in the transfer-out request.
21. The roll-out receiving mechanism of claim 17, further comprising:
and the searching device is used for searching the binding information corresponding to the mobile phone number of the transfer-in party.
22. The roll-out acceptance mechanism of claim 21 wherein the sending means is configured to notify the roll-in party on its own when the lookup means finds the binding information.
23. A method performed by a roll-out handling mechanism, the method comprising:
sending a transfer request to a transfer platform as claimed in any one of claims 1 to 8, the transfer request including a transfer-in party phone number.
24. The method of claim 23, further comprising:
and receiving a roll-out request from a payment terminal associated with the roll-out acceptance mechanism, wherein the roll-out request comprises roll-out party information, roll-in party information and transfer amount, and the roll-in party information comprises a mobile phone number of a roll-in party.
25. The method of claim 23 or 24, further comprising:
and evaluating the risk level of the roll-out party information through the internally stored information.
26. The method of claim 23, further comprising:
the roll-out request also comprises risk related information, and the roll-out acceptance mechanism carries out risk scoring on the roll-out transaction at least according to the risk related information in the roll-out request.
27. A roll-in acceptance mechanism, the roll-in acceptance mechanism comprising:
first receiving means for receiving a notification of a transfer from the transfer platform as claimed in any of claims 1 to 8, the notification of a transfer including a payment device number and a transfer amount.
28. The roll-in acceptance mechanism of claim 27, further comprising:
and the notification device is used for notifying the transfer party to collect money.
29. The roll-in acceptance mechanism of claim 28, further comprising:
second receiving means for receiving the selected transfer card number from the transfer-in party.
30. A method of switching into an acceptance agency execution, the method comprising:
receiving a notification of a transfer from the transfer platform of any of claims 1 to 8, the notification of the transfer including a payment device number and a transfer amount.
31. The method of claim 30, further comprising:
the notification is transferred to the party for collection.
32. The method of claim 31, further comprising:
receiving the selected transfer card number from the transfer party.
33. A computer storage medium comprising instructions that, when executed, are configured to perform the method of any of claims 9 to 16, the method of any of claims 23 to 28 or the method of any of claims 30 to 32.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811106328.6A CN110942296A (en) | 2018-09-21 | 2018-09-21 | Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method |
| PCT/CN2019/094677 WO2020057230A1 (en) | 2018-09-21 | 2019-07-04 | Account transfer platform, transfer-out or transfer-in acceptance mechanism, computer storage medium, and execution method |
| TW108124480A TWI781332B (en) | 2018-09-21 | 2019-07-11 | Transfer platform, transfer-in or transfer-out agency, computer storage medium and execution method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811106328.6A CN110942296A (en) | 2018-09-21 | 2018-09-21 | Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method |
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|---|---|
| CN110942296A true CN110942296A (en) | 2020-03-31 |
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| CN201811106328.6A Pending CN110942296A (en) | 2018-09-21 | 2018-09-21 | Transfer platform, transfer-in or transfer-out acceptance mechanism, computer storage medium and execution method |
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| CN (1) | CN110942296A (en) |
| TW (1) | TWI781332B (en) |
| WO (1) | WO2020057230A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111738720A (en) * | 2020-06-05 | 2020-10-02 | 交通银行股份有限公司上海市分行 | Data processing method based on bank card transaction |
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| CN113095816A (en) * | 2016-06-01 | 2021-07-09 | 创新先进技术有限公司 | Mobile payment method, device and system |
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- 2018-09-21 CN CN201811106328.6A patent/CN110942296A/en active Pending
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- 2019-07-11 TW TW108124480A patent/TWI781332B/en active
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| CN104182870A (en) * | 2013-05-24 | 2014-12-03 | 中国银联股份有限公司 | Security payment method and payment system based on mobile phone wallet |
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| CN111738720A (en) * | 2020-06-05 | 2020-10-02 | 交通银行股份有限公司上海市分行 | Data processing method based on bank card transaction |
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Also Published As
| Publication number | Publication date |
|---|---|
| TWI781332B (en) | 2022-10-21 |
| WO2020057230A1 (en) | 2020-03-26 |
| TW202013293A (en) | 2020-04-01 |
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