CN111105225A - Transfer method, device, equipment and storage medium - Google Patents
Transfer method, device, equipment and storage medium Download PDFInfo
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- CN111105225A CN111105225A CN201911207496.9A CN201911207496A CN111105225A CN 111105225 A CN111105225 A CN 111105225A CN 201911207496 A CN201911207496 A CN 201911207496A CN 111105225 A CN111105225 A CN 111105225A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The invention discloses a transfer method, a transfer device, transfer equipment and a storage medium. The method comprises the following steps: receiving transfer request information sent by a payer terminal, wherein the transfer request information comprises a transfer amount and a mobile phone number of a payee; in response to the transfer request information, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources in a transfer intermediate platform; determining whether the payee passes the payee qualification check according to the mobile phone number of the payee; if the receiver does not pass the collection qualification verification, the transfer resources stored in the transfer intermediate platform are returned to the account of the payer. The mobile phone number of the payee is directly input through the payer, and the payee can receive the transfer by checking the collection qualification to transfer the account, so that the convenience and the safety of the transfer are improved.
Description
Technical Field
The invention belongs to the field of information processing, and particularly relates to a transfer method, a transfer device, transfer equipment and a storage medium.
Background
The current online transfer mode is mainly based on bank account numbers or electronic accounts, namely, a payer needs to input a bank card number or an electronic account number of a receiver to transfer money when performing transfer operation.
The card number or account number has a long length, is not easy to remember by a user, is easy to input errors, and generally needs to be input twice for comparing before and after. Moreover, when the user transfers the account, the user who transfers the account is generally not prompted to verify the personal information of the user who receives the account, which may cause the insecurity of the transfer of the account.
Therefore, how to provide a simple and safe transfer method for the user becomes a problem to be solved.
Disclosure of Invention
The embodiment of the invention provides a transfer method, a device, equipment and a computer storage medium, which can transfer money to a receiver by directly inputting a mobile phone number of the receiver by a payer, and the receiver can receive the transfer of the payer only by checking the qualification of the receiver. The safety and convenience of transferring accounts can be improved.
In a first aspect, the present application provides a method of transferring money, the method comprising: receiving transfer request information sent by a payer terminal, wherein the transfer request information comprises a transfer amount and a mobile phone number of a payee; in response to the transfer request information, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources in a transfer intermediate platform; determining whether the payee passes the payee qualification check according to the mobile phone number of the payee; if the receiver does not pass the collection qualification verification, the transfer resources stored in the transfer intermediate platform are returned to the account of the payer.
In one possible implementation, if the payee passes the payee qualification check, the transfer resources stored in the transfer intermediate platform are stored in the account of the payee, wherein the account of the payee is the mobile phone number of the payee.
In one possible implementation, whether the payee passes the payee qualification check within a preset time period is judged according to the mobile phone number of the payee; and if the payee fails to pass the collection qualification verification within the preset time period, returning the transfer resources stored in the transfer intermediate platform to the account of the payer. The authenticity of the user account of the payee is ensured.
In one possible implementation, if the payee passes the payee qualification check within a preset time period, the transfer resources stored in the transfer intermediate platform are stored in the account of the payee.
In one possible implementation, in response to the transfer request information, the transfer resource is deducted from the account of the payer and stored in the transfer intermediate platform, including: responding to the transfer request information, and determining whether the payee passes real-name verification according to the mobile phone number of the payee; if the payee passes the real-name verification, first inquiry information is sent to a terminal of the payer, and the first inquiry information is used for determining whether the payer needs to check the name information of the payee; receiving first response information sent by a terminal of a payer according to the first inquiry information; and if the first response information is information that the payer does not check the name information of the payee, deducting the transfer resources from the account of the payer and storing the transfer resources in the transfer intermediate platform.
In one possible implementation, if the first response information is information that the payer checks the name information of the payee, receiving the name information of the payee sent by the terminal of the payer; and if the name information of the payee sent by the terminal of the payer is consistent with the name information determined according to the mobile phone number of the payee, deducting the transfer resources from the account of the payer and storing the transfer resources in a transfer intermediate platform.
In one possible implementation, if the payee fails the real-name verification, sending second inquiry information to the terminal of the payer, wherein the second inquiry information is used for determining whether the payer needs to transfer money; receiving second response information sent by the terminal of the payer according to the second inquiry information; and if the second response information is the information for the transfer of the payer, deducting the transfer resources from the account of the payer and storing the transfer resources in the transfer intermediate platform.
In a second aspect, an embodiment of the present invention provides a transfer apparatus, including: the receiving module is used for receiving transfer request information sent by a terminal of a payer, wherein the transfer request information comprises a transfer amount and a mobile phone number of a payee; the transfer module is used for deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into a transfer intermediate platform; the verification module is used for judging whether the payee passes the payee qualification verification according to the mobile phone number of the payee; and the return module is used for returning the transfer resources stored in the transfer intermediate platform to the account of the payer if the payee fails to pass the collection qualification verification.
In a third aspect, an embodiment of the present invention provides a computing device, where the device includes: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements the computing method as provided by embodiments of the present invention.
In a fourth aspect, embodiments of the present invention provide a computer storage medium having computer program instructions stored thereon, where the computer program instructions, when executed by a processor, implement a method of transferring money as provided by embodiments of the present invention.
The transfer method, the device, the equipment and the computer storage medium of the embodiment of the invention transfer money to a receiver by directly inputting the mobile phone number of the receiver by a payer, and the receiver can receive the transfer money of the payer only by checking the qualification of the receiver. The safety and convenience of transferring accounts can be improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a schematic flow diagram of a transfer method provided by an embodiment of the invention;
FIG. 2 is a flow chart diagram of a method for implementing account transfer according to an embodiment of the invention;
FIG. 3 is a schematic view showing a construction of a transfer apparatus according to an embodiment of the present invention;
fig. 4 is a schematic diagram of an exemplary hardware architecture provided by an embodiment of the present invention.
Detailed Description
Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not to be construed as limiting the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The main online transfer mode in the current market is based on bank account numbers or electronic accounts, namely, a payer needs to input a bank card number or an electronic account number of a payee during transfer operation. The card number or account number has a long length, is not easy to remember by a user, is easy to input errors, and generally needs to be input twice for comparing before and after.
In order to solve the problem of low transfer convenience at present, an embodiment of the present invention provides a transfer method, and the transfer method provided by the embodiment of the present invention is described below.
Fig. 1 is a schematic flow chart of a transfer method according to an embodiment of the present invention.
As shown in fig. 1, the transfer method may include S101-S104, which are specifically as follows:
and S101, receiving transfer request information sent by a terminal of a payer, wherein the transfer request information comprises a transfer amount and a mobile phone number of a payee.
In one embodiment, when a user registers, the user binds to an account of the user according to a dynamic password of a mobile phone number, that is, the account and the mobile phone number have a unique binding relationship. That is, the account number of the payer is a mobile phone number, and the account number of the payee is also a mobile phone number.
When transferring money, the only account number of the payee is determined by the mobile phone number of the payee and the real name of the payee, and then the fund is transferred.
Compared with a bank card number or an electronic account, the mobile phone number is easier to remember and call out, input errors are avoided, input parameters are simplified, and the transfer efficiency is improved. The information required to be input during transferring is simplified, and the transferring process is more convenient.
And S102, in response to the transfer request information, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources in a transfer intermediate platform.
In one embodiment, the ordinary transfer user is under risk check control, i.e., the payer needs to be authenticated before the transfer amount is deducted from the payer's account and deposited on the transfer intermediate platform. That is, the payment user performs the transfer of money, and the following three basic conditions need to be satisfied:
first, the paying user is a real user authenticated by a real name. Verifying that the paying user is a real user authenticated by real name may be verified by at least the following information: on one hand, whether the identity information is legal or not can be verified through the certificate number and the name; on the other hand, whether the user is judged through face recognition and certificate photo.
Second, the transfer amount of the paying subscriber is greater than zero. Verifying that the transfer amount of the paying subscriber is greater than zero may be verified by at least: on one hand, the transfer amount is accumulated during transfer, and whether the accumulated transfer amount exceeds the transfer threshold value on the same day, the transfer threshold value on the same month and the like is verified. On the other hand, the transferable amount and the transfer amount are checked during transferring, namely whether the value obtained by subtracting the transferred amount from the transfer limit is greater than 0 or not is judged, and if the value is greater than 0, the balance of the user is still sufficient; if not, the user balance is insufficient.
Third, the payer passes a risk check. Namely, the intelligent wind control system checks whether the user transaction has risk or not and determines whether the transfer can be carried out or not. The intelligent wind control system is a system for intelligently controlling risks according to big data. For example, based on scene and target user group analysis, the authenticity of borrower information is identified and the financial fraud risk is reduced by making full use of multi-party effective data and system analysis.
It will be appreciated that the first and third conditions described above need to be satisfied not only by the payer, but also by the payee.
In one embodiment, in the transfer scenario in which the transfer user is a merchant, risk check control needs to be performed on the merchant who transfers money, that is, before transfer resources corresponding to the transfer amount are deducted from the account of the merchant who pays money and are stored in the transfer intermediate platform, the merchant who pays money needs to be verified. That is, merchant transfers need to satisfy the following three basic conditions:
first, the merchant of payment is a real user authenticated by a real name. The method comprises the following steps that firstly, the validity of a merchant is checked, the validity of the merchant can be verified at least through the following two aspects, on one hand, the merchant signs a message by using an RSA certificate of a third-party certification authority, and a transfer platform signs and verifies the transaction message; on the other hand, whether the merchant can use the transaction interface is checked by configuring the interface authority of the merchant.
First, the paying merchant has the transaction right, that is, whether the merchant has the payment right of the Business to the consumer (Business to Customer, B2C) is checked through the configuration of the merchant transaction right.
Third, the payer passes risk checks. Namely, the risk of the merchant is judged through the intelligent risk control system, and whether the transaction can be carried out is checked.
In one embodiment, the user's transfer modes include, but are not limited to: website, WAP, client; the manner of the merchant's transfer includes, but is not limited to: merchant background and interface.
In one embodiment, the transfer can be completed by directly inputting the mobile phone number of the receiver by the payer, one-to-one or one-to-many batch transfer is supported, namely, one payer transfers to one receiver, or one payer transfers to a plurality of receivers.
In one embodiment, in response to the transfer request information, determining whether the payee is authenticated by a real name according to the mobile phone number of the payee; if the payee passes the real-name verification, first inquiry information is sent to a terminal of the payer, and the first inquiry information is used for determining whether the payer needs to check the name information of the payee; receiving first response information transmitted by the terminal of the payer to the first inquiry information; and if the first response information is information that the payer does not check the name information of the payee, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into a transfer intermediate platform.
Under the condition that the payee passes the real-name verification, if the first response information sent by the terminal of the payer is information that the payer does not check the name information of the payee, namely the payer does not need to check the name information of the payee, the payer can directly input the transfer amount on the transfer platform.
In one embodiment, if the first response information is information that the payer checks name information of the payee, receiving the name information of the payee sent by the terminal of the payer; and if the name information of the payee sent by the terminal of the payer is consistent with the name information determined according to the mobile phone number of the payee, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into the transfer intermediate platform.
Under the condition that the payee passes real-name verification, if the first response information is information for verifying name information of the payee by the payer, namely the payer wants to verify whether the name of the payee on the transfer platform is consistent with the name of the payee corresponding to the payee mobile phone number known by the payer, the name information of the payee sent by the terminal of the payer is received; if the name information of the payee sent by the terminal of the payer is consistent with the name information determined according to the mobile phone number of the payee, the payer can directly input the transfer amount on the transfer platform.
In one embodiment, if the payee is not authenticated by the real name, second inquiry information is issued to the terminal of the payer, and the second inquiry information is used for determining whether the payer wants to transfer money; receiving second response information sent by the terminal of the payer aiming at the second inquiry information; and if the second response information is the information for the transfer of the payer, deducting the transfer resource corresponding to the transfer amount from the account of the payer and storing the transfer resource in the transfer intermediate platform.
Receiving second response information sent by the terminal of the payer to the second inquiry information under the condition that the payee does not pass the real-name verification; if the second response information is the information for the payer to transfer, namely the payer still wants to transfer even if the payee fails to verify the real name, the payer can input the transfer amount on the transfer platform.
S103, determining whether the payee passes the payee qualification check according to the mobile phone number of the payee.
In one embodiment, if the payee has not performed real-name authentication of the identity, the transfer will be in process and the payee is notified in real time that the real-name authentication is performed before receiving the funds.
The transfer amount is deducted from the account of the payer, but the deducted transfer amount is not directly stored in the account of the receiver, but is stored in the transfer platform firstly for verifying the identity of the receiver again. In this way, the security of the transfer can be further ensured.
And S104, if the payee fails to pass the collection qualification verification, returning the transfer resources stored in the transfer intermediate platform to the account of the payer.
In one embodiment, whether the payee passes the payee qualification check within a preset time period is judged according to the mobile phone number of the payee; and if the receiver does not pass the collection qualification verification within the preset time period, returning the transfer resources corresponding to the transfer amount stored in the transfer intermediate platform to the account of the payer.
And the transfer platform checks and verifies transfer records that the payee does not receive the transfer every day, if the payee does not pass the payment qualification verification in the preset time period, namely the payee still cannot meet the collection condition in the preset time period, and transfer resources corresponding to the transfer funds return the original way to the account of the payer. Therefore, the authenticity of the user account of the payee and the safety of the transfer are ensured.
In one embodiment, if the receiver passes the collection qualification verification within the preset time period, the transfer resource corresponding to the transfer amount stored in the transfer intermediate platform is stored in the account of the receiver. Namely, in a preset time period, the receiver meets the receiving condition, and the transfer resources corresponding to the transfer funds are transferred into the account of the receiver from the transfer platform.
In one embodiment, if the receiver passes the collection qualification verification, the transfer resource corresponding to the transfer amount stored in the transfer intermediate platform is stored in the account of the receiver, and the account of the receiver is the mobile phone number of the receiver.
The transfer method provided by the embodiment of the invention can transfer money to the payee by directly inputting the mobile phone number of the payee at the terminal by the payer, and the payee can receive the transfer of the payer only by checking the payee qualification. The safety and convenience of transferring accounts can be improved.
Fig. 2 is a schematic flow chart illustrating a method for implementing a money transfer according to an embodiment of the present invention.
As shown in fig. 2, the payer initiates a transfer request on the payer's terminal. The transfer request includes: and the mobile phone number of the payee is sent by the terminal of the payer. And responding to the transfer request information, and determining whether the payee passes real-name verification according to the mobile phone number of the payee.
In case that the payee passes the real-name authentication, first inquiry information for determining whether the payer wants to check the name information of the payee is issued to the terminal of the payer, and then first response information of the payer to the transmission of the first inquiry information is received.
Under the condition that the payee passes real-name verification, if the first response information is information that the payer does not check the name information of the payee, namely the payer does not need to check the name information of the payee, the payer can directly input the transfer amount on the transfer platform.
Under the condition that the payee passes real-name verification, if the first response information is information for verifying name information of the payee by the payer, namely the payer wants to verify whether the name of the payee on the transfer platform is consistent with the name of the payee corresponding to the payee mobile phone number known by the payer, the name information of the payee sent by the terminal of the payer is received; if the name information of the payee sent by the terminal of the payer is consistent with the name information determined according to the mobile phone number of the payee, the payer can directly input the transfer amount on the transfer platform.
And under the condition that the payee passes real-name verification, if the first response information is information for verifying name information of the payee by the payer, namely the payer wants to verify whether the name of the payee on the transfer platform is consistent with the name of the payee corresponding to the mobile phone number of the payee known by the payer, but the name information of the payee known by the payer, which is sent by the terminal of the payer, is inconsistent with the name information determined according to the mobile phone number of the payee, and the transfer is finished.
And in case that the payee fails the real name authentication, issuing second inquiry information to the terminal of the payer, the second inquiry information being used to determine whether the payer intends to transfer money.
Receiving second response information sent by the payer to the second inquiry information under the condition that the payee does not pass the real-name verification; if the second response information is the information for the payer to transfer, namely the payer still wants to transfer even if the payee fails to verify the real name, the payer can input the transfer amount on the transfer platform.
Receiving second response information sent by the payer to the second inquiry information under the condition that the payee does not pass the real-name verification; and if the second response information is information that the payer does not transfer the money, ending the money transfer.
That is, in the case where the payee passes real-name authentication and passes name information verification of the payer; or in case the payee passes the real name verification and the payer does not need to verify the name information of the payee; or in case the payee is not authenticated by the real name but the payer still transfers money, the payer may directly input the transfer amount at the transfer platform.
And then, under the condition that the payer inputs the transfer amount on the transfer platform, whether the blacklist state of the receiver is removed needs to be verified, and if the mobile phone number of the receiver is still in the blacklist of the telecom operator, the transfer is ended. If the mobile phone number of the receiver is not in the blacklist of the telecom operator, the transfer order can be registered.
The payer may then select a payment method, which includes, but is not limited to: and deducting transfer funds from the account transfer platform, and deducting the transfer funds from a savings account such as a bank card bound to the account of the payer.
After the payer can select a payment mode, the payer needs to input a payment password, the server judges whether the payment password input by the payer is consistent with the payment password pre-stored in the transfer platform, if not, a prompt message for re-inputting the payment password is sent to the transfer party, so that the payer re-inputs the payment password, and if the payer cannot input a correct password within the preset password input times, the transfer is ended.
If the payment password input by the payer for the first time is consistent with the payment password pre-stored in the transfer platform or the payer inputs the correct password within the preset password input times, prompt information for selecting a payment mode is sent to the payer, wherein the payment mode comprises but is not limited to: deducting transfer funds from the sum-package transfer platform, namely a balance payment mode; and deducting transfer funds from a savings account such as a bank card bound to the payer account, namely a quick payment mode.
And under the condition that the payment mode selected by the payer is quick, informing a bank bound with the account of the payer to perform corresponding deduction operation of the transfer amount, and storing the transfer amount into the account transfer platform account of the payer from a bank card of the payer.
And directly deducting the transfer amount from the account of the transfer platform of the user under the condition that the payment mode selected by the payer is balance.
The transfer amount is deducted from the account of the payer, but the deducted transfer amount is not directly stored in the account of the receiver, but is stored in the transfer platform firstly for verifying the identity of the receiver again. In this way, the security of the transfer can be further ensured.
And judging whether the payee passes the payee qualification check within a preset time period (for example, several seconds) according to the mobile phone number of the payee. And if the payee still fails to pass the collection qualification verification within the preset time period, finishing the transfer. And the transfer resources corresponding to the transfer amount stored in the transfer intermediate platform are returned to the account of the payer. The authenticity of the user account of the payee is ensured, and the safety of transfer is further improved.
And if the receiver passes the collection qualification verification in the preset time period, deducting transfer resources corresponding to the transfer amount from the transfer intermediate platform and storing the transfer resources into the account of the receiver. And sending a short message to the payer for informing the payer that the transfer is completed, and sending a short message to the payee for informing the payee that the transfer is completed. The short message comprises payee information, payer information and the transfer amount.
Thus, a transfer process is completed.
According to the method for realizing transfer, provided by the embodiment of the invention, a payer can complete transfer by directly inputting the mobile phone number of a receiver, one-to-one or one-to-many batch transfer is supported, compared with transfer by inputting a bank card number or an electronic account, the mobile phone number is easier to remember and call out, input errors can be effectively avoided, input parameters are simplified, and transfer efficiency is improved.
The method provided by the embodiment of the invention is not only suitable for transfer among consumers (Customer to Customer, C2C), but also suitable for transfer B2C, and can be widely applied to a series of scenes such as personal transfer, red packet, government and enterprise allowance distribution, channel reward distribution and the like.
Fig. 3 is a block diagram illustrating a structure of a transfer apparatus according to an embodiment of the present invention.
As shown in fig. 3, the apparatus 300 may include:
the receiving module 310 is configured to receive transfer request information sent by a terminal of a payer, where the transfer request information includes a transfer amount and a mobile phone number of the payee.
And the transfer module 320 is used for responding to the transfer request information, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources in the transfer intermediate platform.
The transfer module 320 is further configured to, if the payee passes the payee qualification, store the transfer resource corresponding to the transfer amount stored in the transfer intermediate platform in the payee account, where the payee account is the mobile phone number of the payee.
The verification module 330 is further configured to, if the payee passes the payee qualification verification within the preset time period, deposit the transfer resource corresponding to the transfer amount deposited on the transfer intermediate platform into the account of the payee.
The verifying module 330 is configured to determine whether the payee passes the payee qualification verification according to the mobile phone number of the payee.
The checking module 330 is specifically configured to determine whether the payee passes the payee qualification checking within a preset time period according to the mobile phone number of the payee; and if the receiver does not pass the collection qualification verification within the preset time period, returning the transfer resources corresponding to the transfer amount stored in the transfer intermediate platform to the account of the payer. The authenticity of the user account of the payee is ensured.
The verification module 330 is specifically configured to respond to the transfer request information, and determine whether the payee passes real-name verification according to the mobile phone number of the payee; if the payee passes the real-name verification, first inquiry information is sent to a terminal of the payer, and the first inquiry information is used for determining whether the payer needs to check the name information of the payee; receiving first response information transmitted by the terminal of the payer to the first inquiry information; and if the first response information is information that the payer does not check the name information of the payee, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into a transfer intermediate platform.
The verification module 330 is specifically configured to receive name information of the payee sent by the terminal of the payer if the first response information is information for the payer to verify the name information of the payee; and if the name information of the payee sent by the terminal of the payer is consistent with the name information determined according to the mobile phone number of the payee, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into the transfer intermediate platform.
The verification module 330 is specifically configured to send second query information to the terminal of the payer if the payee fails to pass the real-name verification, where the second query information is used to determine whether the payer wants to transfer money; receiving second response information sent by the terminal of the payer to the second inquiry information; and if the second response information is the information for the transfer of the payer, deducting the transfer resource corresponding to the transfer amount from the account of the payer and storing the transfer resource in the transfer intermediate platform.
And the returning module 340 is configured to, if the payee fails to check the payee qualification, return the transfer resource corresponding to the transfer amount stored in the transfer intermediate platform to the payer account.
Each module of the transfer device provided in this embodiment may implement the method in fig. 1, and implement the technical effect of the method in fig. 1, and for brevity, details are not described here again.
Fig. 4 is a schematic diagram illustrating a hardware structure of a transfer method according to an embodiment of the present invention.
The processing device may include a processor 401 and a memory 402 storing computer program instructions.
The processor 401 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement embodiments of the present invention.
In one example, the processing device may also include a communication interface 403 and a bus 410. As shown in fig. 4, the processor 401, the memory 402, and the communication interface 403 are connected via a bus 410 to complete communication therebetween.
The communication interface 403 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present invention.
The bus 410 includes hardware, software, or both to couple the components of the transfer device to each other. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 410 may include one or more buses, where appropriate. Although specific buses have been described and shown in the embodiments of the invention, any suitable buses or interconnects are contemplated by the invention.
The processing device may execute a method of transferring money in embodiments of the invention to implement the method of transferring money described in connection with fig. 1 and 2.
In addition, in combination with the transfer method in the foregoing embodiment, an embodiment of the present invention may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the transfer methods in the above embodiments.
It is to be understood that the embodiments of the invention are not limited to the particular configurations and processes described above and shown in the drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the embodiments of the present invention are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications and additions or change the order between the steps after comprehending the spirit of the embodiments of the present invention.
The functional blocks shown in the above-described structural block diagrams may be implemented as software, and the elements of the embodiments of the present invention are programs or code segments used to perform desired tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.
It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the embodiments of the present invention are not limited to the order of the above steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.
As described above, only the specific embodiments of the present invention are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.
Claims (10)
1. A method of transferring funds, the method comprising:
receiving transfer request information sent by a payer terminal, wherein the transfer request information comprises a transfer amount and a mobile phone number of a payee;
in response to the transfer request information, deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources in a transfer intermediate platform;
determining whether the payee passes the payee qualification check according to the mobile phone number of the payee;
and if the payee fails to pass the collection qualification verification, returning the transfer resources stored in the transfer intermediate platform to the account of the payer.
2. The method of claim 1, further comprising:
and if the payee passes the collection qualification verification, storing the transfer resources stored in the transfer intermediate platform into the account of the payee, wherein the account of the payee is the mobile phone number of the payee.
3. The method of claim 2, further comprising:
judging whether the payee passes the payee qualification verification within a preset time period or not according to the mobile phone number of the payee;
and if the payee fails to pass the collection qualification verification within a preset time period, returning the transfer resources stored in the transfer intermediate platform to the account of the payer.
4. The method of claim 3, further comprising:
and if the payee passes the collection qualification verification in a preset time period, storing the transfer resources stored in the transfer intermediate platform into the account of the payee.
5. The method as recited in claim 1, wherein the deducting and storing the transfer resource from the payer's account to a transfer intermediary platform in response to the transfer request information comprises:
responding to the transfer request information, and determining whether the payee passes real-name verification according to the mobile phone number of the payee;
if the payee passes the real-name verification, first inquiry information is sent to a terminal of the payer, and the first inquiry information is used for determining whether the payer needs to check the name information of the payee;
receiving first response information sent by the terminal of the payer according to the first inquiry information;
and if the first response information is information that the payer does not check the name information of the payee, deducting the transfer resources from the account of the payer and storing the transfer resources into a transfer intermediate platform.
6. The method of claim 5, further comprising:
if the first response information is information that the payer verifies the name information of the payee, receiving the name information of the payee sent by the terminal of the payer;
and if the name information of the payee sent by the payer terminal is consistent with the name information determined according to the mobile phone number of the payee, deducting the transfer resources from the account of the payer and storing the transfer resources in a transfer intermediate platform.
7. The method of claim 5, further comprising:
if the payee fails to pass the real-name verification, sending second inquiry information to the terminal of the payer, wherein the second inquiry information is used for determining whether the payer needs to transfer money or not;
receiving second response information sent by the terminal of the payer according to the second inquiry information;
and if the second response information is the information for transferring accounts of the payer, deducting the transfer resources from the account of the payer and storing the transfer resources in a transfer intermediate platform.
8. A transfer device, comprising:
the system comprises a receiving module, a transfer module and a transfer module, wherein the receiving module is used for receiving transfer request information sent by a terminal of a payer, and the transfer request information comprises a transfer amount and a mobile phone number of a payee;
the transfer module is used for deducting transfer resources corresponding to the transfer amount from the account of the payer and storing the transfer resources into a transfer intermediate platform;
the verification module is used for judging whether the payee passes the payee qualification verification according to the mobile phone number of the payee;
and the return module is used for returning the transfer resources stored in the transfer intermediate platform to the account of the payer if the payee fails to pass the collection qualification verification.
9. A computing device, the device comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements a method of transferring money as claimed in any of claims 1-7.
10. A computer storage medium having computer program instructions stored thereon that, when executed by a processor, implement a method of transferring money as claimed in any one of claims 1 to 7.
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| CN201911207496.9A CN111105225A (en) | 2019-11-29 | 2019-11-29 | Transfer method, device, equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201911207496.9A CN111105225A (en) | 2019-11-29 | 2019-11-29 | Transfer method, device, equipment and storage medium |
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| CN111105225A true CN111105225A (en) | 2020-05-05 |
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