CN113643015B - Method, device and system for managing account transfer - Google Patents

Method, device and system for managing account transfer Download PDF

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Publication number
CN113643015B
CN113643015B CN202111013600.8A CN202111013600A CN113643015B CN 113643015 B CN113643015 B CN 113643015B CN 202111013600 A CN202111013600 A CN 202111013600A CN 113643015 B CN113643015 B CN 113643015B
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China
Prior art keywords
account
transfer
information
management device
verification
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CN202111013600.8A
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Chinese (zh)
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CN113643015A (en
Inventor
李苏媛
石巍
张曼瑞
鲍磊
黄小龙
潘琳
王赫
刘晓敏
李灵
梁娜
唐滨滨
杨海峰
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202111013600.8A priority Critical patent/CN113643015B/en
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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
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Abstract

The application discloses a transfer management method, a transfer management device and a transfer management system, which relate to the technical field of information and are used for improving the safety of user transfer. The method comprises the following steps: the second account management device receives a first transfer request from the first account management device, wherein the first transfer information is used for indicating the first account to transfer a first amount to the second account; if the first transfer information comprises a first identifier for verifying the user identity information corresponding to the second account, the second account management device uses a second pre-configured biometric feature to verify the identity of the payee corresponding to the second account; if the verification is passed, transferring a first amount to the second account, wherein the first identifier is used for indicating to verify the user identity information corresponding to the second account, and the second biometric information is the biometric information of the user corresponding to the second account.

Description

Method, device and system for managing account transfer
Technical Field
The embodiment of the application relates to the technical field of information, in particular to a method, a device and a system for managing account transfer.
Background
In recent years, with the rapid development of network technology, telecommunication phishing cases are proliferated, criminal means are more and change rapidly, and account security of users is seriously affected.
For example, after the bank account number and the password of the user are acquired by the third party, the third party may transfer the amount of money in the user account, or the third party may illegally use the bank account number to fraud others, which may have adverse effects on the user.
Disclosure of Invention
The application provides a transfer management method, a transfer management device and a transfer management system, which are used for improving the safety of user transfer.
In order to achieve the above purpose, the present application adopts the following technical scheme:
in a first aspect, there is provided a transfer management method, the method including: the first account management device receives a first transfer request from a terminal logged in by a first account, wherein the first transfer request is used for requesting to transfer accounts to a second account; under the condition that the first account transfer request does not meet the preset safety condition, the first account management device executes safety operation, wherein the safety operation comprises the steps of verifying identity information of a sender corresponding to a first account by using preset first biological characteristic information, and the first biological characteristic information is biological characteristic information of a user corresponding to the first account; if the verification is not passed, the first account management device sends first transfer information comprising a first identifier to a second account management device corresponding to the second account, wherein the first identifier is used for indicating the account management equipment to verify the user identity information corresponding to the second account.
Based on the method provided in the first aspect, when the sender uses the account to send money to the second account, the account management device may first check whether the transfer does not meet a preset security condition, where the preset security condition may be used to trigger the account management device to perform a security operation. In the case where the transfer satisfies the preset security condition, the account management apparatus may perform a security operation. The security operation includes the account management device verifying the identity information of the sender corresponding to the first account using the pre-configured biometric information, so that it is possible to detect whether the sender is a registered user of the first account. Under the condition that the identity information verification of the sender fails, the account management device executes the safe transfer operation, and the safe transfer operation can instruct the account management device corresponding to the second account to verify the identity information of the receiver, so that illegal transfer behaviors are carried out by using the account after the receiving account and the password are acquired by other people, and the safety of registered users of the receiving account is ensured.
In a possible implementation manner, the first transfer information further includes a transfer amount, and if the identity information of the payee of the second account is verified, the first account management device sends second transfer information for indicating transfer of the transfer amount to the second account management device.
In one possible implementation, the secure operation further includes freezing the first account.
In a second aspect, a communication device is provided, where the communication device is applied to a chip or a system on a chip in a first account management device, and may be a functional module in the first account management device for implementing the method in the first aspect or any one of the possible designs of the first aspect. The communication device may implement the functions performed by the first account management device in the aspects or in the possible designs, which may be implemented by hardware executing corresponding software. The hardware or software comprises one or more modules corresponding to the functions. Such as: the communication device includes a communication unit and a processing unit.
A communication unit for receiving a first transfer request from a terminal for which a first account is logged in, the first transfer request being for requesting transfer to a second account;
the processing unit is used for executing security operation under the condition that the first account transfer request does not accord with the preset security condition, wherein the security operation comprises the steps of verifying the identity information of the sender corresponding to the first account by using the preconfigured first biological characteristic information, and the first biological characteristic information is the biological characteristic information of the user corresponding to the first account;
And the communication unit is also used for sending first transfer information comprising a first identifier to a second account management device corresponding to the second account if the verification is not passed, wherein the first identifier is used for indicating the account management equipment to verify the user identity information corresponding to the second account.
In this embodiment, the specific implementation manner of the communication device may refer to the behavior function of the first account management device in the transfer management method provided in the first aspect or any possible design of the first aspect, and will not be repeated here. Thus, the first account management device provided may achieve the same benefits as the first aspect or any of the possible designs of the first aspect.
In a third aspect, a communication device is provided, which may be a first account management device or a chip or a system on chip in a first account management device. The communication device may implement the functions performed by the first account management device in the aspects or in the possible designs, where the functions may be implemented by hardware, for example: in one possible design, the communication device may include: a processor and a communication interface, the processor being operable to support a communication device to implement the functionality involved in the first aspect or any one of the possible designs of the first aspect, for example: the processor receives a first transfer request from a terminal for a first account login via the communication interface.
In yet another possible design, the communication device may further include a memory for holding computer-executable instructions and data necessary for the communication device. When the communication device is operated, the processor executes the computer-executable instructions stored in the memory to cause the communication device to perform the transfer management method of the first aspect or any one of the possible designs of the first aspect.
In a fourth aspect, there is provided a computer readable storage medium, which may be a readable non-volatile storage medium, storing computer instructions or a program which, when run on a computer, cause the computer to perform the transfer management method of the first aspect or any one of the possible designs of the above aspects.
In a fifth aspect, there is provided a computer program product comprising instructions which, when run on a computer, enable the computer to perform the transfer management method of the first aspect or any one of the possible designs of the aspects.
In a sixth aspect, a communications device is provided, which may be a first account management device or a chip or a system on a chip in a first account management device, the communications device comprising one or more processors and one or more memories. The one or more memories are coupled to the one or more processors, the one or more memories for storing computer program code comprising computer instructions which, when executed by the one or more processors, cause the first account management apparatus to perform the transfer management method as described above in the first aspect or any of the possible designs of the first aspect.
In a seventh aspect, a chip system is provided, the chip system comprising a processor and a communication interface, the chip system being operable to implement the functions performed by the first account management device in the first aspect or any of the possible designs of the first aspect, for example, the processor being operable to obtain, via the communication interface, a first transfer request from a terminal that receives a first account login. In one possible design, the chip system further includes a memory for holding program instructions and/or data. The chip system may be composed of a chip, or may include a chip and other discrete devices, without limitation.
The technical effects caused by any design manner of the second aspect to the seventh aspect may be referred to the technical effects caused by any possible design of the first aspect, and are not described herein.
In an eighth aspect, there is provided a transfer management method, the method including: the second account management device receives a first transfer request from the first account management device, wherein the first transfer information is used for indicating the first account to transfer a first amount to the second account; if the first transfer information comprises a first identifier for verifying the user identity information corresponding to the second account, the second account management device uses a second pre-configured biometric feature to verify the identity of the payee corresponding to the second account; if the verification is passed, transferring a first amount to the second account, wherein the first identifier is used for indicating to verify the user identity information corresponding to the second account, and the second biometric information is the biometric information of the user corresponding to the second account.
Based on the method provided in the eighth aspect, after receiving the transfer information of the other accounts, the second account management device corresponding to the collecting account uses the pre-configured biometric information to verify the payee if the transfer information includes an identifier for indicating the identity information verification of the payee of the collecting account. If the verification is passed, the identity information of the payee is correct, and the second account management can transfer the amount carried in the transfer information to the second account. Therefore, illegal transfer behavior by using the second account after the second account is acquired by other people can be avoided. Meanwhile, the traceability of the whole transfer process is ensured.
In one possible implementation, the second account management device freezes the second account if the verification is not passed.
In a possible implementation manner, after the second account is frozen, the terminal corresponding to the first account management device and the second account is sent to notify that the transfer fails.
In a ninth aspect, a communication device is provided, where the communication device is applied to a chip or a system on a chip in a second account management device, and the functional module of the second account management device for implementing the method in the eighth aspect or any one of the possible designs of the eighth aspect may be further provided. The communication device may implement the functions performed by the second account management device in the aspects described above or in each possible design, which may be implemented by hardware executing corresponding software. The hardware or software comprises one or more modules corresponding to the functions. Such as: the communication device includes a communication unit and a processing unit.
A communication unit configured to receive a first transfer request from a first account management device, the first transfer information being configured to instruct a first account to transfer a first amount to a second account;
the processing unit is used for carrying out identity verification on a payee corresponding to the second account by using a second preset biological feature if the first transfer information comprises a first identifier for verifying the user identity information corresponding to the second account;
and the communication unit is also used for transferring the first amount to the second account if the verification is passed.
In this embodiment, reference may be made to the behavior function of the second account management device in the transfer management method provided in the eighth aspect or any one of the possible designs of the eighth aspect, and the detailed description is not repeated here. Thus, the second account management device provided may achieve the same advantages as any of the possible designs of the eighth aspect or eighth aspect.
In a tenth aspect, a communication device is provided, which may be the second account management device or a chip or a system on chip in the second account management device. The communication device may implement the functions performed by the second account management device in the aspects or in the possible designs, where the functions may be implemented by hardware, for example: in one possible design, the communication device may include: a processor and a communication interface, the processor being operable to support the communication apparatus to carry out the functions involved in any one of the possible designs of the eighth aspect or the eighth aspect described above, for example: the processor receives first transfer information from the first account management device via the communication interface.
In yet another possible design, the communication device may further include a memory for holding computer-executable instructions and data necessary for the communication device. When the communication device is operated, the processor executes the computer-executable instructions stored in the memory to cause the communication device to perform the transfer management method according to the eighth aspect or any one of the possible designs of the eighth aspect.
In an eleventh aspect, there is provided a computer readable storage medium, which may be a readable nonvolatile storage medium, storing computer instructions or a program, which when run on a computer, cause the computer to perform the transfer management method of the eighth aspect or any one of the possible designs of the above aspects.
In a twelfth aspect, there is provided a computer program product containing instructions which, when run on a computer, enable the computer to perform the transfer management method of the eighth aspect or any one of the possible designs of the aspects.
In a thirteenth aspect, a communications device is provided, which may be a second account management device or a chip or a system on a chip in a second account management device, the communications device comprising one or more processors and one or more memories. The one or more memories are coupled with the one or more processors, the one or more memories are used for storing computer program codes, the computer program codes comprise computer instructions, when the one or more processors execute the computer instructions, the second account management device is caused to execute the transfer management method according to the eighth aspect or any possible design of the eighth aspect.
In a fourteenth aspect, there is provided a chip system comprising a processor and a communication interface, the chip system being operable to implement the functions performed by the second account management apparatus in any of the above-described eighth or eighth possible designs, for example the processor being operable to receive first account information from the first account management device via the communication interface. In one possible design, the chip system further includes a memory for holding program instructions and/or data. The chip system may be composed of a chip, or may include a chip and other discrete devices, without limitation.
The technical effects of any one of the designs of the ninth aspect to the fourteenth aspect may be referred to the technical effects of the eighth aspect or any one of the possible designs of the eighth aspect, and will not be described in detail.
Drawings
Fig. 1 is a schematic structural diagram of a communication system according to an embodiment of the present application;
fig. 2 is a schematic structural diagram of a communication device 200 according to an embodiment of the present application;
fig. 3 is a schematic flow chart of a transfer management method according to an embodiment of the present application;
FIG. 4 is a flowchart illustrating another method for managing transfers according to an embodiment of the present application;
Fig. 5 is a schematic structural diagram of another communication device 50 according to an embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of another communication device 60 according to an embodiment of the present application.
Detailed Description
In recent years, with the rapid development of network technology, phishing cases are proliferated, criminal means are more and change rapidly, and the property safety of users is seriously influenced. For example, a third party may view the screen of the terminal of the user by requesting the user to start the screen sharing function of the terminal, so as to obtain information such as a bank account number, a password, a short message authentication code, and the like of the user. And then, the third party uses the account of the user to transfer accounts after resetting the password by logging in the online banking, so that economic losses are given to the user. For another example, a third party may use the account to perform fraudulent activities with others after resetting the account password. Because the registered user of the account is not a third party, the registered user cannot trace back to the third party according to the account, and bad influence is brought to the user.
In view of this, an embodiment of the present application provides a transfer management method, including: the first account management device receives a first transfer request from a terminal to which the first account is logged in, the first transfer request being for requesting transfer to the second account. If the first account transfer request does not meet the preset security conditions, the first account management device executes security operations, wherein the security operations comprise freezing the first account or verifying identity information of a sender; if the verification is not passed, the first account management device sends first transfer information to the second account management device, wherein the first transfer information comprises a first identification, and the first identification is used for indicating the second account management device to verify the identity information of the payee. If the verification is passed, the second account management device transfers the remittance amount to the second account; if the verification is not passed, the second account management device may freeze the second account or seal the amount of the money transfer.
The method provided in the embodiments of the present application will be described in detail below with reference to the accompanying drawings.
The technical scheme of the embodiment of the application can be applied to any communication system supporting communication. The transfer management method provided in the embodiment of the present application will be described below by taking fig. 1 as an example.
It should be noted that, the communication system described in the embodiments of the present application is for more clearly describing the technical solution of the embodiments of the present application, and does not constitute a limitation on the technical solution provided in the embodiments of the present application, and as one of ordinary skill in the art can know, with the evolution of the technology, that the technical solution provided in the embodiments of the present application is equally applicable to similar technical problems.
Fig. 1 is a schematic diagram of a communication system according to an embodiment of the present application. As shown in fig. 1, the communication system may include a first terminal, a first account management device, a second account management device, and a second terminal. The first terminal is in communication connection with the first account management device. The first account management device is communicatively coupled to the second account management device. The second account management device is in communication connection with the second terminal.
Wherein the first account management device may be used to manage the first account. The second account management device may be used to manage the second account. For example, the first account management device and the second account management device may be devices for managing accounts in a banking system. For example, the first account management device and the second account management device may be servers or devices in the servers, such as chips, without limitation.
In this embodiment of the present application, the account management device managing an account may refer to that the account management device may accept a request for transferring accounts or transaction from a terminal on which the account logs in, and execute a corresponding action according to the request. Such as transferring accounts to other accounts or authenticating a sender.
In this embodiment of the present application, the account management device may include a plurality of service platforms, where each service platform corresponds to only one application. The application is installed on the terminal.
In one example, the account management device may pre-store account information, which may include an account number, a password corresponding to the account number, user information, and the like. The user information may include the user's identity information (e.g., identification card number), contact details, biometric information, etc. The contact means may refer to a registered mobile phone number, a mailbox, etc. corresponding to the account. The biometric information may be used to characterize the identity information of the user. For example, the biometric information may include a fingerprint of the user, face information, voiceprint, etc. The account information may be information acquired by the account management device when the user registers an account. For example, it may be acquired by a foreground acquisition device.
In some scenarios, the first account management device and the second account management device may be different devices. For example, the first account management device and the second account management device respectively belong to different banking systems. In some scenarios, the first account management device and the second account management device may also be the same device. For example, the first account management device and the second account management belong to the same banking system. The embodiments of the present application are not limited.
The first terminal and the second terminal may be mobile phones, tablet computers, desktop computers, laptops, handheld computers, notebook computers, ultra-mobile personal computer (UMPC), netbooks, cell phones, personal digital assistants (personal digital assistant, PDA), augmented reality (augmented reality, AR) \virtual reality (VR) devices, and the like, in which an application (such as an electronic bank) may be installed and used, and the specific form of the terminal is not particularly limited in the present disclosure. The system can perform man-machine interaction with a user through one or more modes of a keyboard, a touch pad, a touch screen, a remote controller, voice interaction or handwriting equipment and the like.
It should be noted that fig. 1 is only an exemplary frame diagram, and the names of the terminal data and the account management device included in fig. 1 are not limited, and other nodes may be included in addition to the functional nodes shown in fig. 1, for example, network devices, routers, and the like may also be included.
In particular, the apparatus of fig. 1 may employ the constituent structure shown in fig. 2, or may include the components shown in fig. 2. Fig. 2 is a schematic diagram of a communication apparatus 200 according to an embodiment of the present application, where the communication apparatus 200 may be a core network device or a chip or a system on a chip in a network device. Alternatively, the communication apparatus 200 may be a chip or a system on chip in a core network device or a terminal device. As shown in fig. 2, the communication device 200 includes a processor 201, a communication interface 202, and a communication line 203.
Further, the communication device 200 may also include a memory 204. The processor 201, the memory 204, and the communication interface 202 may be connected by a communication line 203.
The processor 201 is a CPU, general-purpose processor, network processor (network processor, NP), digital signal processor (digital signal processing, DSP), microprocessor, microcontroller, programmable logic device (programmable logic device, PLD), or any combination thereof. The processor 201 may also be other devices with processing functions, such as, without limitation, circuits, devices, or software modules.
Communication interface 202 is used to communicate with other devices or other communication networks. The other communication network may be an ethernet, a radio access network (radio access network, RAN), a wireless local area network (wireless local area networks, WLAN), etc. The communication interface 202 may be a module, a circuit, a communication interface, or any device capable of enabling communication.
Communication line 203 for transmitting information between the components included in communication device 200.
Memory 204 for storing instructions. Wherein the instructions may be computer programs.
The memory 204 may be, but is not limited to, a read-only memory (ROM) or other type of static storage device capable of storing static information and/or instructions, a random access memory (random access memory, RAM) or other type of dynamic storage device capable of storing information and/or instructions, an EEPROM, a CD-ROM (compact disc read-only memory) or other optical disk storage, an optical disk storage (including compact disk, laser disk, optical disk, digital versatile disk, blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, etc.
It should be noted that the memory 204 may exist separately from the processor 201 or may be integrated with the processor 201. Memory 204 may be used to store instructions or program code or some data, etc. The memory 204 may be located inside the communication device 200 or outside the communication device 200, and is not limited. The processor 201 is configured to execute instructions stored in the memory 204 to implement a method for determining antenna parameters according to the embodiments described below.
In one example, processor 201 may include one or more CPUs, such as CPU0 and CPU1 in fig. 2.
As an alternative implementation, the communication device 200 includes multiple processors, e.g., in addition to the processor 201 in fig. 2, a processor 207 may be included.
As an alternative implementation, the communication apparatus 200 further comprises an output device 205 and an input device 206. Illustratively, the input device 206 is a keyboard, mouse, microphone, or joystick device, and the output device 205 is a display screen, speaker (spaker), or the like.
It should be noted that the communication apparatus 200 may be a desktop computer, a portable computer, a web server, a mobile phone, a tablet computer, a wireless terminal, an embedded device, a chip system, or a device having a similar structure as in fig. 2. Furthermore, the constituent structures shown in fig. 2 do not constitute limitations on the respective apparatuses in fig. 1 and 2, and the respective apparatuses in fig. 1 and 2 may include more or less components than illustrated, or may combine some components, or may be arranged differently, in addition to the components shown in fig. 2.
In the embodiment of the application, the chip system may be formed by a chip, and may also include a chip and other discrete devices.
Further, actions, terms, etc. referred to between embodiments of the present application may be referred to each other without limitation. In the embodiment of the present application, the name of the message or the name of the parameter in the message, etc. interacted between the devices are only an example, and other names may also be adopted in the specific implementation, and are not limited.
In order to clearly describe the technical solutions of the embodiments of the present application, in the embodiments of the present application, the words "first", "second", etc. are used to distinguish the same item or similar items having substantially the same function and effect. For example, the first account management device and the second account management device are only for distinguishing different account management devices, and the order of the different account management devices is not limited. It will be appreciated by those of skill in the art that the words "first," "second," and the like do not limit the amount and order of execution, and that the words "first," "second," and the like do not necessarily differ.
In this application, the terms "exemplary" or "such as" are used to mean serving as an example, instance, or illustration. Any embodiment or design described herein as "exemplary" or "for example" should not be construed as preferred or advantageous over other embodiments or designs. Rather, the use of words such as "exemplary" or "such as" is intended to present related concepts in a concrete fashion.
In the present application, "at least one" means one or more, and "a plurality" means two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a alone, a and B together, and B alone, wherein a, B may be singular or plural. The character "/" generally indicates that the context-dependent object is an "or" relationship. "at least one of" or the like means any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (one) of a, b, or c may represent: a, b, c, a-b, a-c, b-c, or a-b-c, wherein a, b, c may be single or plural.
The transfer management method provided in the embodiment of the present application will be described below with reference to the communication system shown in fig. 1. Wherein, the actions, terms and the like related to the embodiments of the present application can be referred to each other without limitation. In the embodiment of the present application, the name of the message or the name of the parameter in the message, etc. interacted between the devices are only an example, and other names may also be adopted in the specific implementation, and are not limited. The actions involved in the embodiments of the present application are just an example, and other names may be used in specific implementations, for example: the "included" in the embodiments of the present application may also be replaced by "carried on" or the like.
Fig. 3 provides a method for managing transfer according to an embodiment of the present application, as shown in fig. 3, including:
step 301, responding to a first account transfer operation, and sending a first account transfer request to a first account management device by a first terminal. Accordingly, the first account management device receives a first transfer request from the first terminal.
The first terminal may be the first terminal in fig. 1. The first account management device may be a first account management device in country 1.
The first transfer operation may be an operation in which the user logs in an application program in the first terminal using the first account and the corresponding password, and transfers money to the second account through the application program.
For example, taking an application as an electronic banking application, the first transfer operation may refer to an operation of transferring money to a second account through a transfer function in the electronic banking application after a user logs in to the electronic banking application using a registered bank account and a corresponding password of the electronic banking.
Wherein the first transfer request is for requesting transfer of a first amount to the second account. For example, the first transfer request may include an account number of the first account, an account number of the second account, and a first amount. For example, the account numbers of the first account and the second account may be bank account numbers. Of course, other information may also be included, such as an identification of the first terminal, etc. The identity of the first terminal may uniquely identify the first terminal. For example, the identity of the first terminal may be a media access control (Media Access Control, MAC) address of the first terminal, etc.
Step 302, the first account management device executes the security operation when the first transfer request does not meet the preset security condition.
The preset security condition may be used to trigger whether the first account management device performs a security operation. When the first account transfer request does not accord with the preset safety condition, the first account management device can be triggered to execute the safety operation; when the first transfer request meets a preset security condition, the first management device can be triggered to execute the common transfer operation.
For example, the preset security conditions may include one or more of a number of devices registered by the account for a preset period of time being less than a preset number, an account reset password exceeding a preset duration, a transfer amount being less than a preset amount, a transfer frequency being less than a preset value, a transfer security tool being legal, the account not applying for a loan for a short period of time, etc. The transfer security tool may be a U shield, verification code, etc. The preset number, the preset duration, the preset amount and the preset value can be set according to the needs, for example, the preset number can be 2, the preset duration can be 1 hour, the preset amount can be 100 ten thousand, and the preset value can be 2 times.
In an example, taking an example that the preset security condition includes that the number of devices logged in by the account in a preset time period is smaller than the preset number and the transfer frequency is smaller than the preset amount, if the number of the first account logged in terminals carried in the first transfer request in the preset time period is greater than or equal to the preset number and/or the transfer amount is greater than or equal to the preset amount, the first account management device may be triggered to execute the security operation; if the number of the login terminals of the first account carried in the first account transfer request is smaller than the preset number and the transfer amount is smaller than the preset amount in the preset time period, the first account management device can be triggered to execute the common transfer operation.
The general transfer operation may mean that the first account management device normally performs the transfer operation. For example, the first account management device may directly send transfer information to the second account management device. After receiving the transfer information from the first account management device, the second account management device can transfer the transfer amount to the collection account according to the collection account and the transfer amount in the transfer information. Accordingly, the first account management device may deduct the transfer amount from the first account. In particular, reference may be made to the prior art and will not be repeated.
The security operation may refer to an operation performed by the first account device according to a preset parameter. For example, the security operations may include a freeze account operation, an identity information verification operation on an account, and so forth.
The two operations are described below:
1. the frozen account operation may mean that the first account management device stops executing the service corresponding to the first account. For example, stop the transfer service of the first account, deposit the amount under the first account, etc. The frozen account cannot perform the corresponding transfer service.
In one example, the first account management apparatus may stop the transfer operation of the transfer to the second user in case it is determined that the first transfer request does not meet the preset security condition.
Further, the first account management device may further send notification information to the terminal on which the first account is logged, where the notification information is used to notify that the first account is frozen. For example, the notification information may be sent to the terminal device in the form of a short message. The terminal may display the notification information after receiving the notification information from the first transfer management apparatus.
2. The operation of verifying the identity information of the account may mean that the first account management device verifies the identity information of the sender using the biometric information of the preset configuration.
Wherein the sender may be a user who performs transfer using a terminal registered with the first account. The biometric information may be omitted from the description above. The step of verifying the identity information of the sender using the preset biometric information may include that the first account management device obtains biometric information of the sender and matches the obtained biometric information of the sender with the pre-stored first biometric information. The first biometric information may be a user registered with the first account. If the sender and the user registered in the first account are the same, the sender and the user registered in the first account are verified; if the sender and the user registered in the first account are inconsistent, the sender and the user registered in the first account are not the same, and verification is not passed.
Step 303, the first account management device sends the first transfer information to the second account management device when the verification fails. Accordingly, the second account management device receives the first transfer information from the first account management device.
The second account management device may be the second account management device in fig. 1.
The first transfer information may instruct the second account management apparatus to perform identity information verification on the payee. The payee may refer to a user of the terminal logged in using the second account. For example, the terminal to which the second account is logged in may be the second terminal in fig. 1.
In one example, the first transfer information may include a first identification. The first identification may be used to indicate that user identity information corresponding to the second account is verified. The first identifier may be a character, a number or a combination of both. For example, the first identifier may be D, or may be D1, without limitation. Of course, the first transfer information may also include other information, for example, transfer amounts, account numbers of the first and second accounts, transfer identifications, and the like. The transfer identifier may uniquely identify the transfer. For example, the transfer identifier may be a number, a character, or a combination of a number and a character, which will not be described in detail.
Step 304, the second account management device uses the preconfigured second biometric information to perform identity verification on the payee corresponding to the second account.
The second biometric information is user identity information corresponding to the second account. The specific implementation method of this step may refer to the description of step 302 above, and will not be repeated.
Based on the technical scheme of fig. 3, when the sender uses the account to send money to the second account, the account management device may first check whether the transfer does not meet a preset security condition, and the preset security condition may be used to trigger the account management device to perform a security operation. In the case where the transfer satisfies the preset security condition, the account management apparatus may perform a security operation. The security operation includes the account management device verifying the identity information of the sender corresponding to the first account using the pre-configured biometric information, so that it is possible to detect whether the sender is a registered user of the first account. Under the condition that the identity information verification of the sender fails, the account management device executes the safe transfer operation, and the safe transfer operation can instruct the account management device corresponding to the second account to verify the identity information of the receiver, so that illegal transfer behaviors are carried out by using the account after the receiving account and the password are acquired by other people, and the safety of registered users of the receiving account is ensured.
In a possible implementation manner of the method shown in fig. 3, the method provided in the embodiment of the present application may further include: if the verification is not passed, the second account management device freezes the second account.
The implementation manner of freezing the second account by the second account management device may refer to step 302, and will not be described herein.
In yet another possible implementation manner of the method shown in fig. 3, as shown in fig. 4, after freezing the second account, the method provided in the embodiment of the present application may further include step 401.
Step 401, the second account management device sends first notification information to terminals corresponding to the first account management device and the second account respectively. Correspondingly, the terminal corresponding to the first account management device and the second account receives the first notification information from the second account management device.
Wherein the first notification information may be used to notify that the transfer has failed. For example, the first notification message may include a second identification, which may be used to indicate that the transfer failed. The second identifier may be a number, a character, or a combination of numbers and characters. For example, the second identifier may be 12-fail. Where 12 may represent the transfer number and fail may represent the transfer failure.
Further, the first account management device may forward the first notification information to the terminal corresponding to the first account after receiving the first notification information from the second account management device.
In a possible implementation manner of the method shown in fig. 3, the method provided in the embodiment of the present application may further include: and if the verification is passed, the second account management device respectively sends second notification information to the terminals corresponding to the first account management device and the second account. Correspondingly, the terminal corresponding to the first account management device and the second account receives second notification information from the second account management device.
Wherein the second notification information may notify that the transfer is successful.
Based on the possible implementation manner, the second account management device can send the transfer result to the terminal corresponding to the money transfer account and the receiving account, so that the user corresponding to the money transfer account and the receiving account can timely know that the account has the transfer transaction and the transfer result.
The various schemes in the embodiments of the present application may be combined on the premise of no contradiction.
The embodiment of the application may divide the functional modules or functional units of the first account management apparatus according to the above method example, for example, each functional module or functional unit may be divided corresponding to each function, or two or more functions may be integrated into one processing module. The integrated modules may be implemented in hardware, or in software functional modules or functional units. The division of the modules or units in the embodiments of the present application is merely a logic function division, and other division manners may be implemented in practice.
In the case of dividing the respective functional modules by the respective functions, fig. 5 shows a schematic configuration of a communication device 50, which may be the first account management device or a chip applied to the first account management device, and the communication device 50 may be used to perform the functions of the first account management device as described in the above embodiments. The communication device 50 shown in fig. 5 may include: a processing unit 501 and a communication unit 502.
The communication unit 502 is configured to receive a first transfer request from a terminal on which a first account is logged, where the first transfer request is configured to request transfer to a second account.
The processing unit 501 is configured to perform a security operation when the first transfer request does not meet a preset security condition, where the security operation includes verifying identity information of a sender corresponding to the first account by using preset first biometric information, and the first biometric information is biometric information of a user corresponding to the first account.
The processing unit 501 is further configured to send, if the verification is not passed, first account transfer information to an account management device corresponding to the second account, where the first account transfer information includes a first identifier, and the first identifier is used to instruct the account management device to verify user identity information corresponding to the second account.
The specific implementation of the communication device 50 may refer to the behavior function of the first account management device in the transfer management method shown in fig. 3 and 4.
In one possible design, the first transfer information includes a transfer amount, and the communication unit 502 is further configured to: and if the verification is passed, sending second transfer information to an account management device corresponding to the second account, wherein the second transfer information is used for indicating transfer of the transfer amount to the second account.
In one possible design, the communication device 50 shown in FIG. 5 may also include a storage unit 503. The memory unit 503 is used for storing program codes and instructions.
In the case of dividing the respective functional modules by the respective functions, fig. 6 shows a schematic configuration of a communication device 60, and the communication device 60 may be a second account management device or a chip applied to the second account management device, and the communication device 60 may be used to perform the functions of the second account management device according to the above embodiment. The communication device 60 shown in fig. 6 may include: a processing unit 601 and a communication unit 602.
The communication unit 502 is configured to receive first transfer information from a first account management device, where the first transfer information is configured to instruct the first account to transfer a first amount to the second account.
The processing unit 501 is configured to perform identity verification on a payee corresponding to the second account using second biometric information configured in advance if the first transfer information includes a first identifier, where the first identifier is used to indicate that user identity information corresponding to the second account is verified, and the second biometric information is biometric information of a user corresponding to the second account.
The processing unit 501 is further configured to transfer the first amount to the second account if the verification is passed.
In a possible implementation, the processing unit 501 is further configured to freeze the second account if the verification is not passed.
In a possible implementation manner, the communication unit 502 is further configured to send, after freezing the second account, first notification information to the terminal corresponding to the first account management and the second account, where the first notification information is used to notify that the transfer fails.
The specific implementation of the communication device 60 may refer to the behavior function of the second account management device in the transfer management method shown in fig. 3 and 4.
In one possible design, the communication device 60 shown in FIG. 6 may also include a memory unit 603. The memory unit 603 is used for storing program codes and instructions.
As yet another implementation, the processing units in fig. 5 and 6 may be replaced by processors, which may integrate the functions of the processing units. The communication units in fig. 5 and 6 may be replaced by transceivers or transceiving units, which may integrate the functions of the communication units.
Further, when the processing unit is replaced by a processor and the communication unit is replaced by a transceiver or a transceiver unit, the communication device 50 and the communication device according to the embodiments of the present application may be the communication device shown in fig. 2.
Embodiments of the present application also provide a computer-readable storage medium. All or part of the flow in the above method embodiments may be implemented by a computer program to instruct related hardware, where the program may be stored in the above computer readable storage medium, and when the program is executed, the program may include the flow in the above method embodiments. The computer readable storage medium may be an internal storage unit of the communication device (including the data transmitting end and/or the data receiving end) of any of the foregoing embodiments, for example, a hard disk or a memory of the communication device. The computer readable storage medium may be an external storage device of the terminal apparatus, for example, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) card, a flash card (flash card), or the like, which are provided in the terminal apparatus. Further, the computer readable storage medium may further include both an internal storage unit and an external storage device of the communication apparatus. The computer-readable storage medium is used to store the computer program and other programs and data required by the communication device. The above-described computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.
It should be noted that the terms "first" and "second" and the like in the description, claims and drawings of the present application are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
It should be understood that, in the present application, "at least one (item)" means one or more, "a plurality" means two or more, "at least two (items)" means two or three and three or more, "and/or" for describing an association relationship of an association object, three kinds of relationships may exist, for example, "a and/or B" may mean: only a, only B and both a and B are present, wherein a, B may be singular or plural. The character "/" generally indicates that the context-dependent object is an "or" relationship. "at least one of" or the like means any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (one) of a, b or c may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
From the foregoing description of the embodiments, it will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of functional modules is illustrated, and in practical application, the above-described functional allocation may be implemented by different functional modules according to needs, i.e. the internal structure of the apparatus is divided into different functional modules to implement all or part of the functions described above.
In the several embodiments provided in this application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the modules or units is merely a logical functional division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another apparatus, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and the parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed in a plurality of different places. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a readable storage medium. Based on such understanding, the technical solution of the embodiments of the present application may be essentially or a part contributing to the prior art or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium, including several instructions for causing a device (may be a single-chip microcomputer, a chip or the like) or a processor (processor) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk, etc.
The foregoing is merely a specific embodiment of the present application, but the protection scope of the present application is not limited thereto, and any changes or substitutions within the technical scope of the present disclosure should be covered in the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (15)

1. A transfer management method, the method comprising:
receiving a first transfer request from a terminal logged in by a first account, wherein the first transfer request is used for requesting to transfer money to a second account;
executing a security operation under the condition that the first account transfer request does not accord with a preset security condition, wherein the security operation comprises the steps of verifying identity information of a sender corresponding to the first account by using preset first biological characteristic information, and the first biological characteristic information is biological characteristic information of a user corresponding to the first account;
if the verification is not passed, first account transfer information is sent to an account management device corresponding to the second account, wherein the first account transfer information comprises a first identifier, and the first identifier is used for indicating the account management device to verify user identity information corresponding to the second account.
2. The method of claim 1, wherein the first transfer information comprises a transfer amount, the method further comprising:
and if the verification is passed, sending second transfer information to an account management device corresponding to the second account, wherein the second transfer information is used for indicating transfer of the transfer amount to the second account.
3. The method of claim 1 or 2, wherein the securing operation further comprises: freezing the first account.
4. A transfer management method, the method comprising:
receiving first transfer information from a first account management device, wherein the first transfer information is used for indicating a first account to transfer a first amount to a second account; the first account transfer information is sent by the first account management device when verification is not passed after verification is performed on the identity information of the sender corresponding to the first account, and the first account management device verifies the identity information of the sender corresponding to the first account, including: the first account management device uses preset first biological characteristic information to verify the identity information of a sender corresponding to a first account when a first account request of a terminal logged in by the first account does not accord with a preset safety condition; the first account request is used for requesting to transfer money to the second account, and the first biological characteristic information is biological characteristic information of a user corresponding to the first account;
If the first transfer information comprises a first identifier, performing identity verification on a payee corresponding to the second account by using second pre-configured biometric information, wherein the first identifier is used for indicating to verify user identity information corresponding to the second account, and the second biometric information is biometric information of a user corresponding to the second account;
and if the verification is passed, transferring the first amount to the second account.
5. The method according to claim 4, wherein the method further comprises:
and if the verification is not passed, freezing the second account.
6. The method of claim 5, wherein the method further comprises:
after the second account is frozen, first notification information is sent to the terminals corresponding to the first account management and the second account respectively, and the first notification information is used for notifying that the transfer fails.
7. A transfer management apparatus, characterized in that the apparatus comprises a communication unit and a processing unit;
the communication unit is used for receiving a first transfer request from a terminal logged in by a first account, wherein the first transfer request is used for requesting to transfer money to a second account;
The processing unit is configured to perform a security operation when the first transfer request does not meet a preset security condition, where the security operation includes verifying identity information of a sender corresponding to the first account by using preconfigured first biometric information, where the first biometric information is biometric information of a user corresponding to the first account;
the communication unit is further configured to send first account transfer information to an account management device corresponding to the second account if the verification is not passed, where the first account transfer information includes a first identifier, and the first identifier is used to instruct the account management device to verify user identity information corresponding to the second account.
8. The apparatus of claim 7, wherein the first transfer information includes a transfer amount, and the communication unit is further configured to send second transfer information to an account management apparatus corresponding to the second account if the verification is passed, the second transfer information being used to indicate transfer of the transfer amount to the second account.
9. The apparatus of claim 7 or 8, wherein the security operation further comprises: freezing the first account.
10. A transfer management apparatus, the apparatus comprising: a communication unit and a processing unit;
the communication unit is used for receiving first account transfer information from the first account management device, and the first account transfer information is used for indicating the first account to transfer a first amount to the second account; the first account transfer information is sent by the first account management device when verification is not passed after verification is performed on the identity information of the sender corresponding to the first account, and the first account management device verifies the identity information of the sender corresponding to the first account, including: the first account management device uses preset first biological characteristic information to verify the identity information of a sender corresponding to a first account when a first account request of a terminal logged in by the first account does not accord with a preset safety condition; the first account request is used for requesting to transfer money to the second account, and the first biological characteristic information is biological characteristic information of a user corresponding to the first account;
the processing unit is configured to perform identity verification on a payee corresponding to the second account by using second biometric information configured in advance if the first transfer information includes a first identifier, where the first identifier is used to indicate verification on user identity information corresponding to the second account, and the second biometric information is biometric information of a user corresponding to the second account;
And the processing unit is further used for transferring the first amount to the second account if the verification is passed.
11. The apparatus of claim 10, wherein the processing unit is further configured to: and if the verification is not passed, freezing the second account.
12. The apparatus according to claim 10 or 11, wherein the communication unit is further configured to: after the second account is frozen, first notification information is sent to the first account management device and a terminal corresponding to the second account, and the first notification information is used for notifying that the transfer fails.
13. A transfer management system, characterized in that it comprises a first account management device for performing the method of any of the preceding claims 1-3 and a second account management device for performing the method of any of the preceding claims 4-6, said first account management device being communicatively connected to said second account management device.
14. A computer readable storage medium having instructions stored therein which, when executed, implement the method of any one of claims 1-3 or any one of claims 4-6.
15. A communication device, comprising: a processor, a memory, and a communication interface; wherein the communication interface is used for the communication of the communication device and other equipment or network; the memory is configured to store one or more programs, the one or more programs comprising computer-executable instructions that, when executed by the communication device, cause the communication device to perform the method of any of claims 1-3 or 4-6.
CN202111013600.8A 2021-08-31 2021-08-31 Method, device and system for managing account transfer Active CN113643015B (en)

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Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110009322A (en) * 2018-12-25 2019-07-12 阿里巴巴集团控股有限公司 Auth method and device in transfer procedure
CN112801647A (en) * 2021-01-27 2021-05-14 中国银联股份有限公司 Transfer method, device, electronic equipment and storage medium

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110009322A (en) * 2018-12-25 2019-07-12 阿里巴巴集团控股有限公司 Auth method and device in transfer procedure
CN112801647A (en) * 2021-01-27 2021-05-14 中国银联股份有限公司 Transfer method, device, electronic equipment and storage medium

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