CN113537974A - Remittance method and system based on electronic wallet and electronic equipment - Google Patents
Remittance method and system based on electronic wallet and electronic equipment Download PDFInfo
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Abstract
The application discloses a remittance method based on an electronic wallet, which comprises the following steps: acquiring electronic wallet account information of a receiver and generating remittance order data containing the electronic wallet account information; sending the remittance order data to an electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a collection request containing the remittance order data and sends the collection request to a collection server; receiving the receiving information which is sent by the receiving server and contains the remittance order data, and remitting money to the receiving server according to the receiving information; the collection server receives a collection request sent by a user, wherein the collection information is generated by the collection server according to the received collection request. The scheme avoids the complicated operation of remittance code input of a receiver and realizes one-key collection.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method, a system, and an electronic device for remittance based on an electronic wallet.
Background
Remittance is typically accomplished by the sender through the APP provided by the remittance service company (typically a financial institution or card holder) or the counter of a financial institution, like overseas remittance companies like Western Union, express remittance, etc. When a sender sends a money, a money sending financial institution generates a money sending order and generally provides a scheme of sending coded money to a receiver to withdraw money.
Disclosure of Invention
In view of this, embodiments of the present disclosure provide a money transfer method, system and electronic device based on an electronic wallet, so as to avoid the cumbersome operation of money transfer code input by a receiver and achieve the purpose of one-touch money transfer.
The embodiment of the specification adopts the following technical scheme:
an embodiment of the present specification provides an electronic wallet-based money transfer method, including:
acquiring electronic wallet account information of a receiver and generating remittance order data containing the electronic wallet account information;
sending the remittance order data to an electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a collection request containing the remittance order data and sends the collection request to a collection server;
receiving the receiving information which is sent by the receiving server and contains the remittance order data, and remitting money to the receiving server according to the receiving information; the collection server receives a collection request sent by a user, wherein the collection information is generated by the collection server according to the received collection request.
Embodiments of the present specification further provide an electronic wallet-based money transfer method, including:
receiving remittance order data sent by a remittance server; wherein the remittance order data comprises electronic wallet account information of the receiver;
determining a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sending a collection notice to a login terminal of the electronic wallet account;
and receiving feedback information of the login terminal aiming at the remittance notice, determining a remittance request containing remittance order data according to the feedback information, and sending the remittance request to a remittance server so that the remittance server receives remittance to the remittance server.
An embodiment of the present specification further provides an electronic device, including: at least one processing and memory;
the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform the money transfer method described above.
The present specification also provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the money transfer method described above.
Embodiments of the present specification also provide an electronic wallet-based money transfer system, including: the remittance server is used for acquiring the electronic wallet account information of the receiver, generating remittance order data containing the electronic wallet account information and sending the remittance order data to the electronic wallet server corresponding to the electronic wallet account information;
the electronic wallet server is used for receiving remittance order data sent by the remittance server, determining a collection request containing the remittance order data and sending the collection request to the collection server;
and the collection server is used for collecting the money from the money transfer server according to the collection information.
The embodiment of the application adopts at least one technical scheme which can achieve the following beneficial effects: according to the scheme, the remittance order and the electronic wallet account are associated through the electronic wallet server and then pushed to the terminal equipment logging in the electronic wallet account, so that the complex operation of remittance code input of a receiver is avoided, and one-key collection is realized. Furthermore, the scheme can also complete the collection processes of KYC/AML, fund collection, foreign currency collection and the like of a collection party.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise:
fig. 1 is a flow chart of a method of electronic-wallet based money transfer provided by an embodiment of the present description;
fig. 2 is a flow chart of a method of electronic-wallet based money transfer provided by an embodiment of the present description;
fig. 3 is an overall flow chart of a method of electronic-wallet based money transfer provided by an embodiment of the present description;
fig. 4 is a schematic diagram of an electronic wallet-based money transfer system according to an embodiment of the present disclosure.
Detailed Description
The scheme provides a technical scheme capable of supporting the electronic wallet to directly collect money. In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any inventive step based on the embodiments of the present disclosure, shall fall within the scope of protection of the present application.
Fig. 1 is a flow chart of a method for electronic-wallet based money transfer provided by an embodiment of the present disclosure. The method comprises the following steps:
s110: obtaining electronic wallet account information of a receiver and generating remittance order data containing the electronic wallet account information.
In this step, its executing entity may be a money transfer server (e.g., a cloud server of a overseas financial institution). The electronic wallet account information of the receiver can be filled in by the sender through a corresponding APP (such as an APP provided by a remittance service organization) installed on the terminal, and then the electronic wallet account information is sent to the remittance server through the APP; the remittance party may also directly input the electronic wallet account information to the remittance server through a remittance service (e.g., offline of the remittance service), which is not limited in the embodiments of the present disclosure.
In this step, the remittance server generates remittance order data including the electronic wallet account information according to the electronic wallet account information after acquiring the electronic wallet account information of the receiver. By way of example, the remittance order data may include payer information, recipient information, remittance coding, and the like. Wherein a money transfer code may be generated by the money transfer server to identify the money transfer information.
S120: and sending the remittance order data to an electronic wallet server corresponding to the electronic wallet account information so that the electronic wallet server determines a collection request containing the remittance order data and sends the collection request to a collection server.
In this step, the electronic wallet server is used to provide the electronic wallet service, and the electronic wallet server stores the registered electronic wallet account information of the different users. The electronic wallet server determines a money receiving request containing the money transfer order data, and specifically comprises the following steps: the electronic wallet server determines a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data and sends a collection notice to a login terminal of the electronic wallet account (the login terminal is the terminal device for logging in the corresponding electronic wallet account); then, the electronic wallet server receives feedback information of the login terminal for the remittance notice, and determines a remittance request including the remittance order data according to the feedback information.
Specifically, after the electronic wallet server receives the remittance order data, the electronic wallet server acquires an electronic wallet account included in the remittance order data, associates the remittance order data with a corresponding electronic wallet account registered in the electronic wallet server, determines the corresponding electronic wallet account registered in the electronic wallet server, and then sends a receipt notification to a login terminal of the electronic wallet account. The login terminal can be a mobile phone, a tablet, a computer and other devices used by the payee. Taking a mobile phone as an example, the recipient may use the APP installed on the mobile phone to log in an electronic wallet account, which is an electronic wallet account that the sender fills in when performing a remittance operation.
In this step, the receipt server may be a cloud server of a domestic financial institution. After the payee receives the receipt notification through the APP installed on the mobile phone, because the electronic wallet server is already associated with the electronic wallet account and the remittance order of the payee, the receipt does not need to fill related information, namely, the receipt notification is received, and then the receipt operation can be directly initiated. Namely, the mobile phone APP sends a payment request to the electronic wallet server, and the electronic wallet server sends the payment request to the payment server after receiving the payment request. Therefore, the complicated operation of remittance code input of the receiver is avoided, and one-key collection is realized.
S130: receiving the receiving information which is sent by the receiving server and contains the remittance order data, and remitting money to the receiving server according to the receiving information.
In this step, the remittance server receives the remittance request and then receives the remittance request. Specifically, the receiving server obtains receiving information including remittance order data according to the receiving request, sends the receiving information to the remittance server, and the remittance server remits money to the receiving server according to the receiving information after receiving the receiving information.
Further, after receiving the remittance from the remittance server, the remittance server remits the remittance amount to the electronic wallet account related to the remittance order data to finish the remittance operation. Then, the remittance server transmits the remittance result to the electronic wallet server, and the electronic wallet server transmits the remittance result to the login terminal of the electronic wallet account.
In one possible embodiment, the money transfer method may include the money transfer order data including the account of the recipient electronic wallet including only the money transfer code. In other words, after the remittance server generates the remittance code, it can only transmit the electronic wallet account and the remittance code, and the receiving server can directly confirm the remittance information such as the remitter information, the recipient information, the remittance amount and the like through the remittance code to complete the remittance operation.
As an example, the receiving server, after receiving the money transfer from the money transfer server, may transfer the money transfer amount, and then transfer the transferred money transfer amount to the corresponding electronic wallet account.
As an example, when the electronic wallet server transmits the remittance result returned by the remittance server to the login terminal of the electronic wallet account, it may also remit the remittance amount included in the remittance result and then transmit the remittance result after remittance to the login terminal of the electronic wallet account. For example, the remittance result is "remittance XXX dollars", the electronic wallet server converts the remittance amount into equivalent rmb according to the corresponding remittance rate, and transmits the remittance result "remittance XXX rmb" to the registration terminal device of the electronic wallet account. In addition, in this example, the electronic wallet account of the payee may also have a dollar account and a rmb account, which is not limited by the embodiment of the present invention.
The method is a remittance method with a remittance server as a main body, the embodiment of the specification further provides a remittance method based on an electronic wallet, and fig. 2 is a flow chart of the remittance method based on the electronic wallet provided by the embodiment of the specification. The method comprises the following steps:
s210: receiving remittance order data sent by a remittance server; wherein the remittance order data includes electronic wallet account information of the transferee.
In this step, the execution subject is an electronic wallet server for providing an electronic wallet service, and the electronic wallet server stores electronic wallet account information of different registered users. The remittance order data is remittance order data which is generated by a remittance server (such as a cloud server of an overseas financial institution) according to the received electronic wallet account information of the receiver and contains the electronic wallet account. The remittance order data may include payer information, payee information, remittance code, and the like. The money transfer code may be generated by the money transfer server to identify the money transfer information.
In this step, the transferee's e-wallet account may be used by the transferor to fill up the corresponding e-wallet account information through a corresponding APP (e.g., APP provided by the money transfer service organization) installed on the terminal, and then transmit the e-wallet account information to the money transfer server through the APP; the remittance party may also directly input the electronic wallet account information to the remittance server through a remittance service (e.g., offline of the remittance service), which is not limited in the embodiments of the present disclosure.
S220: and determining a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sending a collection notice to a login terminal of the electronic wallet account.
In this step, after the electronic wallet server receives the remittance order data, the electronic wallet server acquires an electronic wallet account included in the remittance order data, then associates the remittance order data with a corresponding electronic wallet account registered in the electronic wallet server to determine the corresponding electronic wallet account registered in the electronic wallet server, and then sends a receipt notification to a login terminal of the electronic wallet account. The login terminal can be a mobile phone, a tablet, a computer and other devices used by the payee. Taking a mobile phone as an example, the recipient may use the APP installed on the mobile phone to log in an electronic wallet account, which is an electronic wallet account that the sender fills in when performing a remittance operation.
S230: and receiving feedback information of the login terminal for the remittance notice, determining a remittance request including the remittance order data according to the feedback information, and sending the remittance request to a remittance server so that the remittance server receives the remittance to the remittance server.
In this step, after the receiving party receives the receiving notification through the APP installed on the mobile phone, since the electronic wallet server has already associated the electronic wallet account of the receiving party and the remittance order, the receiving party does not need to fill in related information, that is, the receiving party can directly initiate the receiving operation after receiving the receiving notification. Namely, the mobile phone APP sends a payment collection request to the electronic wallet server. And after receiving the collection request, the electronic wallet server sends the collection request to a collection server. Therefore, the complicated operation of remittance code input of the receiver is avoided, and one-key collection is realized.
The receiving server can be a cloud server of a domestic financial institution, and after receiving the receiving request, the receiving server can receive the money from the remittance server. Specifically, the receiving server obtains receiving information including remittance order data according to the receiving request, sends the receiving information to the remittance server, and the remittance server remits money to the receiving server according to the receiving information after receiving the receiving information. And the collection server sends the money to the electronic wallet account associated with the money sending order data after receiving the money sending of the money sending server, and finishes the money sending operation. Then, the remittance server transmits the remittance result to the electronic wallet server, and the electronic wallet server transmits the remittance result to the login terminal of the electronic wallet account.
In one possible embodiment, the money transfer method may include the money transfer order data including the account of the recipient electronic wallet including only the money transfer code. In other words, after the remittance server generates the remittance code, it can only transmit the electronic wallet account and the remittance code, and the receiving server can directly confirm the remittance information such as the remitter information, the recipient information, the remittance amount and the like through the remittance code to complete the remittance operation.
As an example, the receiving server, after receiving the money transfer from the money transfer server, may transfer the money transfer amount, and then transfer the transferred money transfer amount to the corresponding electronic wallet account.
As an example, when the electronic wallet server transmits the remittance result returned by the remittance server to the login terminal of the electronic wallet account, it may also remit the remittance amount included in the remittance result and then transmit the remittance result after remittance to the login terminal of the electronic wallet account. For example, the remittance result is "remittance XXX dollars", the electronic wallet server converts the remittance amount into equivalent rmb according to the corresponding remittance rate, and transmits the remittance result "remittance XXX rmb" to the registration terminal device of the electronic wallet account. In addition, in this example, the electronic wallet account of the payee may also have a dollar account and a rmb account, which is not limited by the embodiment of the present invention.
The following describes the embodiments of the present disclosure with reference to fig. 3. Referring to fig. 3, fig. 3 is an overall flowchart of a money transfer method based on an electronic wallet provided by the embodiment of the present specification. The overall flow of the money transfer method of the embodiment of the present specification is as follows:
s310: the remittance server acquires the electronic wallet account information of the receiver and generates remittance order data containing the electronic wallet account information;
s320: the remittance server sends the remittance order data to an electronic wallet server;
s330: the electronic wallet server receives remittance order data sent by the remittance server;
s340: the electronic wallet server determines a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data and sends a collection notice to a login terminal of the electronic wallet account;
s350: the electronic wallet server receives feedback information of the login terminal aiming at the money receiving notice, determines a money receiving request containing remittance order data according to the feedback information, and sends the money receiving request to the money receiving server;
s360: the money receiving server obtains money receiving information containing money transfer order data according to the money receiving request and sends the money receiving information to the money transfer server for money receiving;
s370: the remittance server remittance to the collection server according to the collection information;
s380: the remittance server sends the remittance result to the electronic wallet server;
s390: and the electronic wallet server sends the remittance result to the terminal equipment logged in the electronic wallet account.
Further, the receiving server transfers the received remittance amount and transfers the transferred remittance amount to the electronic wallet account to complete the remittance operation.
The more detailed descriptions of the above steps S310-390 are given above and will not be repeated herein.
Through the remittance system provided by the specification, the complicated operation of remittance code input of a receiver is avoided, and one-key collection is realized; and can also complete the collection processes of KYC (know your customer)/AML (anti-money laudering), fund remittance, foreign currency exchange and the like of a collection party.
Among them, KYC (customer, i.e., to fully Know your customers) policy is an enhanced review of account holders, is the foundation of AML (anti-money laundering) for preventing putrefaction, and is beneficial to understanding of the legitimacy of capital sources.
Based on the same idea, an embodiment of this specification further provides an electronic device, including: at least one processing and memory; the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform the money transfer method described above.
Based on the same idea, embodiments of the present specification further provide a computer-readable storage medium storing computer-executable instructions, which when executed by a processor implement the money transfer method described above
Based on the same idea, the embodiment of the specification also provides a money transfer system based on the electronic wallet. Fig. 4 is a schematic diagram of an electronic wallet-based money transfer system according to an embodiment of the present disclosure. As shown in fig. 4, the system includes: a remittance server 401, an electronic wallet server 402, and a receipt server 403;
the remittance server 401 is configured to obtain electronic wallet account information of the recipient, generate remittance order data including the electronic wallet account information, and send the remittance order data to the electronic wallet server 402 corresponding to the electronic wallet account information.
The electronic wallet service 402 is configured to receive the remittance order data sent by the remittance server 401, determine a receipt request including the remittance order data, and send the receipt request to the receipt server 403.
The remittance server 401 receives remittance information from the remittance server 403.
Further, the money transfer system also includes a login terminal 404 for logging in to the electronic wallet account. The determining, by the e-wallet server 402, of the receipt request including the remittance order data specifically includes: the electronic wallet server 402 determines the corresponding electronic wallet account registered in the electronic wallet server 402 according to the remittance order data and sends a remittance notice to the login terminal 404; the receiving/registering terminal 404 receives feedback information regarding the receipt notification, and determines a receipt request including the remittance order data based on the feedback information.
Further, the remittance server 401 is also configured to send a remittance result to the electronic wallet server 402 after remitting money to the remittance server 403; the electronic wallet server 402 is also used to remit the remittance included in the remittance result to transmit the remittance result after remittance to the login terminal 404.
Further, the remittance server 403 is also configured to remit the remittance amount received after receiving the remittance to the remittance server 401, and remit the remittance amount after the remittance to the corresponding electronic wallet account.
Further, the money transfer order data includes at least a money transfer code.
For a more detailed implementation of the above money transfer system based on electronic wallet, reference is made to the above description of the money transfer method, which is not repeated herein.
While certain embodiments of the present disclosure have been described above, other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily have to be in the particular order shown or in sequential order to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus, device, and non-volatile computer-readable storage medium embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and in relation to the description, reference may be made to some portions of the description of the method embodiments.
The apparatus, the device, the nonvolatile computer readable storage medium, and the method provided in the embodiments of the present specification correspond to each other, and therefore, the apparatus, the device, and the nonvolatile computer storage medium also have similar advantageous technical effects to the corresponding method.
In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), AHDL (advanced Hardware description ip address) Language, traffic, CUPL (core University Programming Language), HDCal, JHDL (Java Hardware description ip address Language), Lava, Lola, HDL, PALASM, palms, rhyd (Hardware runtime Language), and Hardware Language (Hardware Language-Language) which is currently used by native Language. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, MicrochIP address PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.
As will be appreciated by one skilled in the art, the present specification embodiments may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that 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 an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (18)
1. A method of electronic wallet-based money transfer, the method comprising:
acquiring electronic wallet account information of a receiver and generating remittance order data containing the electronic wallet account information;
sending the remittance order data to an electronic wallet server corresponding to the electronic wallet account information, so that the electronic wallet server determines a collection request containing the remittance order data and sends the collection request to a collection server;
receiving the receiving information which is sent by the receiving server and contains the remittance order data, and remitting money to the receiving server according to the receiving information; the collection server receives a collection request sent by a user, wherein the collection information is generated by the collection server according to the received collection request.
2. The method of claim 1, wherein the electronic wallet server determining a receipt request containing the remittance order data comprises:
the electronic wallet server determines a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data and sends a collection notice to a login terminal of the electronic wallet account;
and the electronic wallet server receives feedback information of the login terminal aiming at the money receiving notice, and determines a money receiving request containing the money transfer order data according to the feedback information.
3. The method of claim 2, further comprising:
and sending the remittance result to the electronic wallet server so that the electronic wallet server sends the remittance result to a login terminal of the electronic wallet account.
4. The method of claim 2, the receiving server, after remitting money to the receiving server in accordance with the receipt information, remits a remittance amount received and remits the remittance amount after remittance to the electronic wallet account.
5. The method of any of claims 1-4, the money transfer order data comprising at least a money transfer encoding.
6. A method of electronic wallet-based money transfer, the method comprising:
receiving remittance order data sent by a remittance server; wherein the remittance order data comprises electronic wallet account information of the receiver;
determining a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data, and sending a collection notice to a login terminal of the electronic wallet account;
and receiving feedback information of the login terminal aiming at the remittance notice, determining a remittance request containing remittance order data according to the feedback information, and sending the remittance request to a remittance server so that the remittance server receives remittance to the remittance server.
7. The method of claim 6, further comprising:
and receiving a remittance result returned by the remittance server, and sending the remittance result to a login terminal of the electronic wallet account.
8. The method as claimed in claim 7, wherein sending the remittance result to the login terminal of the electronic wallet account specifically comprises:
and remittance amount contained in the remittance result is remitted, so that the remittance result after remittance is sent to a login terminal of the electronic wallet account.
9. The method of claim 6, wherein after the collection server receives the money transfer server, the collection server transfers the received money transfer amount and transfers the transferred money transfer amount to the electronic wallet account.
10. The method of any of claims 6-9, the money transfer order data comprising at least a money transfer encoding.
11. An electronic device, comprising: at least one processing and memory;
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the money transfer method of any of claims 1-5 or 6-10.
12. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the money transfer method of any of claims 1-5 or 6-10.
13. An electronic wallet-based money transfer system, the system comprising:
the remittance server is used for acquiring the electronic wallet account information of the receiver, generating remittance order data containing the electronic wallet account information and sending the remittance order data to the electronic wallet server corresponding to the electronic wallet account information;
the electronic wallet server is used for receiving remittance order data sent by the remittance server, determining a collection request containing the remittance order data and sending the collection request to the collection server;
and the collection server is used for collecting the money from the money transfer server according to the collection information.
14. The remittance system according to claim 13, further comprising a login terminal for electronic wallet account login;
the determining, by the electronic wallet server, the receipt request including the remittance order data specifically includes:
the electronic wallet server determines a corresponding electronic wallet account registered in the electronic wallet server according to the remittance order data and sends a remittance notice to the login terminal; and receiving feedback information of the login terminal aiming at the remittance notice, and determining a remittance request containing the remittance order data according to the feedback information.
15. The money transfer system of claim 14,
the remittance server is also used for sending a remittance result to the electronic wallet server after remittance to the collection server;
the electronic wallet server is also used for sending the received remittance result to the login terminal.
16. The remittance system according to claim 15, wherein the electronic wallet server transmits the remittance result received to the login terminal, specifically comprising:
the electronic wallet server remits remittance included in the remittance result to send the remittance result after remittance to the login terminal.
17. The money transfer system of claim 15, the money transfer server further configured to transfer the received money transfer amount after receiving the money transfer server and transfer the transferred money transfer amount to the electronic wallet account.
18. The money transfer system of any of claims 13-17, the money transfer order data comprising at least a money transfer code.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010294906.4A CN113537974A (en) | 2020-04-15 | 2020-04-15 | Remittance method and system based on electronic wallet and electronic equipment |
| TW110110600A TWI804830B (en) | 2020-04-15 | 2021-03-24 | Remittance method, system and electronic device based on electronic wallet |
| PCT/CN2021/085197 WO2021208759A1 (en) | 2020-04-15 | 2021-04-02 | Remittance based on electronic wallet |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010294906.4A CN113537974A (en) | 2020-04-15 | 2020-04-15 | Remittance method and system based on electronic wallet and electronic equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113537974A true CN113537974A (en) | 2021-10-22 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010294906.4A Pending CN113537974A (en) | 2020-04-15 | 2020-04-15 | Remittance method and system based on electronic wallet and electronic equipment |
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| Country | Link |
|---|---|
| CN (1) | CN113537974A (en) |
| TW (1) | TWI804830B (en) |
| WO (1) | WO2021208759A1 (en) |
Citations (3)
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|---|---|---|---|---|
| US20140012749A1 (en) * | 2012-06-29 | 2014-01-09 | Kt Corporation | Electronic wallet based remittance |
| CN105981060A (en) * | 2014-02-11 | 2016-09-28 | 电子创新控股私人有限公司 | Remittance system and method |
| CN110728523A (en) * | 2019-10-18 | 2020-01-24 | 腾讯科技（深圳）有限公司 | Transaction processing method, device, equipment and storage medium for electronic wallet |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20020107797A1 (en) * | 2000-12-13 | 2002-08-08 | Combaluzier Pierre Michel | Electronic remittance transfer from a merchant's smart card to a consumer loyalty smart card identified by a transaction authorization code |
| SG11201703335QA (en) * | 2014-11-25 | 2017-06-29 | Einnovations Holdings Pte Ltd | Transaction system and method |
| CN105787714A (en) * | 2016-03-18 | 2016-07-20 | 联想(北京)有限公司 | A method and system for transferring accounts between payment applications |
| CN108846657B (en) * | 2018-05-28 | 2023-08-08 | 广州腾讯科技有限公司 | Electronic transfer method and related device |
-
2020
- 2020-04-15 CN CN202010294906.4A patent/CN113537974A/en active Pending
-
2021
- 2021-03-24 TW TW110110600A patent/TWI804830B/en active
- 2021-04-02 WO PCT/CN2021/085197 patent/WO2021208759A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140012749A1 (en) * | 2012-06-29 | 2014-01-09 | Kt Corporation | Electronic wallet based remittance |
| CN105981060A (en) * | 2014-02-11 | 2016-09-28 | 电子创新控股私人有限公司 | Remittance system and method |
| CN110728523A (en) * | 2019-10-18 | 2020-01-24 | 腾讯科技（深圳）有限公司 | Transaction processing method, device, equipment and storage medium for electronic wallet |
Also Published As
| Publication number | Publication date |
|---|---|
| TWI804830B (en) | 2023-06-11 |
| WO2021208759A1 (en) | 2021-10-21 |
| TW202209209A (en) | 2022-03-01 |
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