201030650 六、發明說明： 【發明所屬之技術領域】 本發明係有關網路資源資料處理領域，特別是有關一 種離線加値方法及系統。 【先前技術】 隨著網路技術的不斷發展，網路可以提供各種各樣的 φ 電子服務、虛擬資源等，用戶可以利用這些網路資訊獲得 相應的服務或資源，在這些交易過程中則不可避免地涉及 到傳統貨幣的介入。起初的交易都是在虛擬財產交易的同 時以現金作爲支付手段，但是這種手段無論在支付的快捷 性上還是交易的安全性上都很難得到保證，因此出現了第 三方交易系統，該系統可以爲用戶提供第三方虛擬帳戶， 用戶透過向該虛擬帳戶加値，來完成交易的支付。 現有技術中，部分第三方虛擬帳戶加値過程可以採用 0 傳統貨幣先與網上銀行的電子貨幣進行交換，再進行電子 銀行貨幣與指定虛擬貨幣的交換。但是其前提是用戶首先 開通網上銀行，開通和加値步驟複雜，而且大眾版的網上 銀行安全性差、有一定的交易限額，而專業版的網上銀行 需要在用戶端上安裝數位證書，因此僅有很少的用戶使用 該方法，沒有得到大範圍的普及，使第三方支付業務的發 展受到嚴重阻礙。 上述現有技術的缺陷同樣存·在於網路遊戲、手機通信 、固定電話通信等各種帳戶加値的過程中。因此，出現了 -5- 201030650 許多離線加値的方法，使得用戶在未開通網上銀行的情況 下’也能夠方便快捷地完成帳戶的加値。這種離線加値的 方法通常需要透過支付網點來完成加値，支付網點的經營 模式多種多樣，如，便利店、空中加値、自助終端等，不 同網點的操作方式也不盡相同’如，便利店使用的是收銀 機、空中加値使用的是手機、自助終端使用的是只能刷卡 的自主設備等。 但是，透過這些支付網點進行加値時，需要提供待加 値的帳戶名’以作爲身份的辨別。而收銀機、自助終端等 通常只能輸入數位資訊，而不具備輸入英文字母的功能， 因此對於帳戶資訊比較複雜的帳戶名（如帳戶名中包括字 母、特殊字元等），其記錄和輸入在這些網點都是很困難 甚至是無法完成的，使得無法完成向這類帳戶的加値。 因此，需要本領域技術人員迫切解決的一個技術問題 是’如何在只能輸入數位資訊的網點也可以實現對帳戶名 複雜、難以定位的帳戶進行加値，從而真正擺脫對網上銀 行的依賴。 【發明內容】 有鑒於此，本發明的目的在於提供一種離線加値方法 及系統’以解決現有技術對帳戶名複雜的帳戶定位困難的 問題。 爲實現上述目的，本發明提供了如下方案： 根據本發明提供的具體實施例，本發明揭示了以下技 -6- 201030650 術效果： 首先，本發明利用用戶隨身攜帶的移動終端作爲用戶 身份的辨別，用戶在網點辦理加値業務時，網點根據用戶 移動終端號碼和金額向第三方支付系統發起加値指令，第 二方支付系統隨機生成一條加値碼，這條加値碼與用戶指 定的移動終端相對應，用戶獲得該加値碼後，便可以利用 其指定的移動終端向其帳戶加値。可見，該方法不需要在 ^ 網點輸入帳戶名進行身份驗證，而是輸入移動終端號碼來 替代’從而避免了帳戶定位困難的問題，使得不論用戶帳 戶名的複雜度如何，都可以實現對其帳戶的加値。 其次，用戶在獲得加値碼後，登錄第三方支付系統進 行加値，第三方支付系統向指定的移動終端發送一條動態 口令作爲加値碼的密碼，用戶正確輸入該動態口令後才能 夠完成加値。也可以將帳戶與移動終端號碼綁定，獲得加 値碼後，直接透過指定的移動終端，.以短信或語音方式直 Φ 接向第三方支付系統發起加値，第三方支付系統直接利用 該移動終端號碼便可進彳了用戶身份的校驗，並完成加値。 因此做到了加値碼與密碼從時間和地點上的分開，有效地 保護了資金的安全性。加値碼可以明碼顯示，即使丟失， 也可以透過第三方支付系統找回，不會影響用戶的使用。 【實施方式】 爲了使本發明的上述目的、特徵及優點能夠更加明顯 易懂’下面結合附圖和具體實施方式對本發明作進一步詳 201030650 細地說明。 參見圖1’本發明提供的離線加値的方法包括以下步 驟： S1 〇 1 ·•合作方終端輸入用戶的加値金額及第一移動終 端號碼，並將輸入的加値資訊發送給伺服器； 其中’所述合作方可以是金融合作夥伴網點（包括銀 行系統的櫃檯、自助終端、郵政、信用聯社等）或者普通 的商戶網點等。 所述第一移動終端可以是手機、小靈通等通訊工具， 或其他能夠收發資訊的可攜式工具等，其共同具有的特徵 是便攜、具有唯一的身份標識，且其標識資訊通常用數位 表示，例如手機號碼等。用該標識資訊來進行用戶身份的 驗證。 所述伺服器包括網路遊戲伺服器、第三方支付系統等 〇 用戶可以帶著自己的加値金額到所述合作方終端處， 透過所述合作方終端輸入要加値的金額及自己的移動終端 號碼，並將輸入的資訊（加値金額及移動終端號碼）發送 到伺服器。 s 1 02 :所述伺服器產生與所述加値金額及第一移動終 端號碼相對應的加値碼，並將所述加値碼提供給所述用戶 ;當用戶發起加値時，利用所述第一移動終端號碼進行身 份校驗，並根據所述加値碼向用戶帳戶加値。 所述伺服器接收到所述合作方終端發送的加値金額及 -8 - 201030650 第一移動終端號碼後，可以判斷交易 然後產生加値碼，並且將該加値碼提 以透過多種方式將加値碼提供給用戶 返回給合作方終端，所述合作方終端 印出來交給用戶。如果合作方終端沒 ，伺服器還可以採用直接將產生的加 式，例如，透過所述第一移動終端號 發送給用戶等。 在實際應用中，爲了便於用戶進 器還可以將加値金額、第一移動終端 提供給用戶，用戶可以對資訊進行核 等原因給用戶造成的損失。 値得注意的是，用戶在獲得加値 加値金額加到自己的帳戶上。這時， 己帳戶的加値，可以向伺服器發起加 證交易的真實性，用戶單憑加値碼還 透過所述第一移動終端號碼進行身份 ，伺服器才將加値碼對應的金額加入: 以上所述爲本發明實施例提供的 過本發明實施例，在合作方終端直接 作身份驗證的移動終端號碼，倂發送 可以產生與輸入的加値金額及移動終 碼，並提供給用戶。因此，在合作方 的帳戶名等資訊，即使是在只能輸入 的合法性及真實性， 供給用戶。其中，可 ，如將產生的加値碼 可以將所述加値碼列 有條件完成以上操作 値碼發送給用戶的方 碼，採用短信的方式 行資訊的驗證，伺服 號碼等相關資訊一起 對，以防止操作失誤 碼後，還沒有將所述 用戶如果想完成向自 値請求，但是爲了保 不能完成加値，還要 驗證，如果驗證通過 到用戶的帳戶中。 離線加値的方法，透 輸入加値金額，及用 給伺服器，伺服器就 端號碼相對應的加値 終端不需要輸入用戶 數位的終端也能夠完 -9- 201030650 成。用戶獲得加値碼後’可以向伺服器發送所述加値碼來 發起加値，伺服器利用與所述加値碼相對應的移動終端號 碼驗證用戶的身份，驗證通過後，即可完成向帳戶的加値 。因此解決了帳戶定位困難的問題。 其中，用戶可以採用多種不同的方式向伺服器發起加 値。例如，其中一種較佳的方式可以是，透過所述伺服器 登錄自己的帳戶，然後輸入加値碼發起加値。在這種方式 下，伺服器接收到用戶的加値請求後，可以採用以下方式 對用戶進行身份驗證：透過所述第一移動終端號碼以短信 等方式向用戶發送動態口令，並提示用戶輸入該動態口令 。如果用戶能夠正確輸入，則認爲該用戶通過了身份驗證 ，然後伺服器就可以將加値碼對應的加値金額加入用戶登 錄的帳戶。 這種方式相當於將動態口令作爲加値碼的密碼，並做 到了加値碼與密碼從時間和地點上進行分開，有效地保護 了用戶資金的安全性。因此，加値碼可以明碼顯示，而且 即使丟失，用戶也可以向伺服器申請重新獲得加値碼，伺 服器可以透過合作方終端支付的時間、地點、金額、移動 終端號碼等資訊進行驗證後，向用戶的移動終端上重新發 送加値碼，不會影響用戶的使用。 另一種較佳方式可以是，透過移動終端的短信或語音 等方法向伺服器發起加値。在這種情況下，可以預先將用 戶的第一移動終端號碼將用戶的帳戶進行綁定，這樣當用 戶透過第二移動終端向伺服器發送了加値碼後，伺服器可 -10- 201030650 以直接透過判斷用來發起加値的第二移動終端號碼、與所 述第一移動終端號碼是否相同，來判斷用戶是否通過身份 驗證，如果相同，就可以直接將加値碼對應的金額加入到 與該移動終端綁定的帳戶中。這樣，用戶無需登錄伺服器 就可以完成加値’更加簡化了加値的過程，提高了加値的 效率。 當然’採用移動終端發起加値的方式時，也可以爲其 他用戶的帳戶加値。例如用戶A將自己的手機號A與自 己的帳戶綁定；用戶B用自己的手機號B獲得了加値碼， 則用戶B可以用自己的手機號B向伺服器發起加値，並將 加値碼對應的加値金額，加入與手機號A綁定的用戶A 的帳戶。 從以上的介紹可以看出，透過本發明實施例，使得用 戶身份資訊的定位及資金的安全性兩個方面都得到了有效 地保證。 在實際應用中’爲了更好地適應現有技術的處理流程 ，伺服器端可以預置線下歸結帳戶，用於儲存用戶進行了 線下加値、但尙未轉到自己帳戶的加値金額。爲此，在產 生加値碼之前可以進行支付清算的步驟，以保持資金的收 支平衡，保證資金的正常運轉。該步驟也可以採用多種方 式，下面介紹兩種本發明實施例較佳的方式，僅僅用於舉 例說明本發明的實現，而不應理解爲對本發明的限制。 方式一：合作方預先在伺服器開設合作方帳戶，並進 行預加値。伺服器在收到合作方終端的加値資訊後，首先 -11 - 201030650 判斷合作方帳戶是否充足，如果充足，則從合作方帳戶扣 除與加値金額相等的款項（由於合作方收取了用戶的資金 ，因此從合作方的帳戶進行相應的扣除是合理的），並轉 入所述預置的線下歸結帳戶。當用戶發起加値後，可以從 所述線下歸結帳戶將相應的款項轉入用戶的帳戶中。 這種方式通常比較適用於合作方爲普通商戶的情況， 對於合作方爲金融合作網點時，則可以採用如下方式。 方式二：伺服器在合作方開設伺服器帳戶，也可以進 行預加値。在這種情況下，伺服器收到合作方終端的加値 資訊後，可以採用墊付的方式，從所述伺服器帳戶向所述 預置的線下歸結帳戶加入所述加値金額，同樣，當用戶發 起加値後，可以從所述線下歸結帳戶將相應的款項轉入用 戶的帳戶中。合作方可以在交易後將加値金額轉入所述伺 服器帳戶，以保證收支平衡。 爲了更好地理解本發明實施例提供的方法，下面透過 具體的實例進行詳細地介紹。 參見圖2，在該例子中，合作方爲普通商戶，預先在 伺服器開設了商戶帳戶，並進行了預加値，用戶的移動終 端爲手機，採用登錄帳戶的方式發起加値。則該方法包括 以下步驟： S201:用戶帶著手機及現金或銀行卡到商戶網點； S 202 :網點操作員根據用戶要求輸入相關資訊，包括 加値金額及手機號碼； S203:網點終端發送加値請求到伺服器； 201030650 S204 :伺服器對請求的真實性及合法性進行校驗； S2〇5 :校驗通過後，判斷商戶帳戶金額是否充足，如 果充足，從商戶帳戶中扣除與加値金額相等的款項，轉入 線下歸結帳戶，同時系統產生一條唯一的加値碼，該加値 碼與收到的加値資訊相對應。 S 206 :伺服器將產生的加値碼、手機號及金額資訊以 及代充結果返回給商戶網點終端； S207 :網點終端接受後，將加値碼交給用戶，同時收 取用戶的加値金額（還可以收取手續費等）： S208:用戶透過伺服器登錄自己的帳戶，輸入加値碼 發起加値； S 2 09 :伺服器收到加値碼後，產生動態口令； S210:伺服器透過與該加値碼對應的手機號碼向用戶 發送動態口令； S211:用戶透過自己的手機接收到所述動態口令後， 魏 輸入該動態口令； S2 1 2 :伺服器判斷口令一致後，即可將所述加値碼對 應的加値金額，從所述線下歸結帳戶轉入用戶目前登錄的 帳戶。 下面介紹一種離線加値系統，參見圖3，該系統包括 合作方終端U301及伺服器U302，其中， 合作方終端U3 01包括： 輸入單元3011，用以輸入用戶的加値金額及第—移動 終端號碼； -13- 201030650 合作方通信單元3012，用以將輸入的加値資訊發送到 伺服器； 伺服器U302包括： 加値碼產生單元U3 02 1，用以產生與所述加値金額及 第一移動終端號碼相對應的加値碼； 伺服器通信單元U3022，用以將所述加値碼提供給所 述用戶； 身份驗證單元U3 023，用以當用戶發起加値時，利用 所述第一移動終端號碼進行身份驗證； 加値單元U3024，用於所述驗證通過後，根據所述加 値碼向用戶帳戶加値。 在合作方終端U3 01，根據用戶的需要，從輸入單元 U3011輸入用戶的加値金額，然後由合作方通信單元 U30 12將輸入的加値資訊，包括加値金額及第一移動終端 號碼，發送到伺服器；在伺服器U3 02，接收到合作方終 端U301發送來的加値資訊後，加値碼產生單元U3021產 生與所述加値金額及第一移動終端號碼相對應的加値碼， 然後由伺服器通信單元U3 022將所述加値碼提供給所述用 戶（伺服器通信單元U3022可以首先將加値碼發送到合作 方終端，用戶從合作方終端獲得加値碼，也可以直接將加 値碼透過所述第一移動終端號碼發送給用戶）；當用戶發 起加値時，身份驗證單元U3 023利用所述第一移動終端號 碼進行身份驗證，驗證通過後，由加値單元U 3 0 2 4根據所 述加値碼向用戶帳戶加値。 -14- 201030650 其中，用戶可以透過伺服器來登錄自己的帳戶，並輸 入加値碼以發起加値，因此，可以採用發送動態口令的方 式來進行身份驗證，在這種情況下，參見圖4’伺服器 U402中的身份驗證單元U4 023可以包括以下子單元： 口令產生子單元U4023 1，用以產生動態口令； 口令發送子單元U40232 ’用以根據所述第一移動終 端號碼向用戶發送所述動態口令； 口令接收子單元U40233，用以接收用戶輸入的所述 動態口令； 判斷子單元U40234，用以判斷用戶輸入的動態口令 是否正確，如果正確，觸發所述加値單元進行加値； 加値單元U4024根據所述加値碼向用戶目前登錄的帳 戶加値。 圖4中的合作方終端U401、輸入單元U4 011、合作 方通信單元U4012、加値碼產生單元U4021、伺服器通信 單元U4022與圖2中的合作方終端U201、輸入單元 U2011、合作方通信單元U2012、加値碼產生單元U2021 、伺服器通信單元U2022相同。 用戶也可以利用移動終端以短信或語音等方式向伺服 器發送加値碼以發起加値，因此可以直接根據發起加値的 移動終端號碼來進行身份驗證，在這種情況下，參見圖5 ，身份驗證單元U5023可以包括以下子單元： 解析子單元U5023 1，用以解析發起加値的第二移動 終端號碼； -15- 201030650 比較子單元U5 023 2，用於判斷發起加値的第二移動 終端號碼與所述第一移動終端號碼是否相同，如果相同， 觸發所述加値單元進行加値； 加値單元U 5 024則根據所述加値碼，向與所述第一移 動終端號碼綁定的用戶帳戶加値。 圖5中的合作方終端U501、輸入單元U5011、合作 方通信單元U5012、加値碼產生單元U 502 1、伺服器通信 單元 U5022與圖 2中的合作方終端 U201、輸入單元 U2011、合作方通信單元 U2012、加値碼產生單元 U2 021 、伺服器通信單元U2022相同。 爲了適應現有加値系統，參見圖6，伺服器U602還 可以包括： 第一轉賬單元U6025，用以判斷合作方帳戶金額是否 充足，如果是，從所述合作方帳戶中扣除所述加値金額， 並轉入預置的線下歸結帳戶； 加値單元U6024將所述加値金額從所述線下歸結帳戶 轉入用戶帳戶，完成加値。 圖6中的合作方終端U6 01、輸入單元U6 011、合作 方通信單元U6012、加値碼產生單元U6021、伺服器通信 單元U6022、身份驗證單元U6023，與圖2中的合作方終 端U201、輸入單元U201 1、合作方通信單元U2012、加値 碼產生單元U202 1、伺服器通信單元U2022、身份驗證單 元U2023相同。 這種系統比較適用於合作方是普通商戶的情況，對於 -16- 201030650 合作方是銀行等金融系統的情況，可以採用以下系統，參 見圖7，伺服器U702還包括： 第二轉賬單元U7026 ’用以從伺服器帳戶扣除所述加 値金額，並轉入預置的線下歸結帳戶； 此時’加値單元U 7 0 2 4將所述加値金額從所述線下歸 結帳戶轉入用戶帳戶，完成加値； 合作方終端U701還包括： 第三轉賬單元U7013，用以將所述加値金額加入所述 伺服器帳戶。 圖7中的輸入單元U 7011、合作方通信單元U7012、 加値碼產生單元U702 1、伺服器通信單元U7022、身份驗 證單元U7023，與圖2中的輸入單元U2011、合作方通信 單元U2012、加値碼產生單元U2021、伺服器通信單元 U2022、身份驗證單元U2023相同。 以上對本發明所提供的一種離線加値方法及系統，進 行了詳細介紹，本文中應用了具體個例對本發明的原理及 實施方式進行了闡述，以上實施例的說明只是用於幫助理 解本發明的方法及其核心思想；同時，對於本領域的一般 技術人員，依據本發明的思想，在具體實施方式及應用範 圍上均會有改變之處。綜上所述，本說明書內容不應理解 爲對本發明的限制。 【圖式簡單說明】 圖1是本發明實施例提供的方法的流程圖； -17- 201030650 圖2是本發明實施例提供的另一方法的流程圖； 圖3是本發明實施例提供的第一系統的示意圖； 圖4是本發明實施例提供的第二系統的示意圖； 圖5是本發明實施例提供的第三系統的示意圖； 圖6是本發明實施例提供的第四系統的示意圖； 圖7是本發明實施例提供的第五系統的示意圖° 【主要元件符號說明】 U301 :合作方終端 U3 02 :伺服器 U301 1 :輸入單元 U3012 :合作方通信單元 U302 1 :加値碼產生單元 U3022 :伺服器通信單元 U3 023 :身份驗證單元 U3 024 :力口値單元 U401 :合作方終端 U402 :伺服器 U401 1 :輸入單元 U4012 :合作方通信單元 U402 1 :加値碼產生單元 U4022 :伺服器通信單元 U4023 :身份驗證單元 U4023 1 ： 口令產生子單元 201030650 U40232 ： 口令發送子單元 U4023 3 ： 口令接收子單元 U40234 ：判斷子單元 U4024 :加値單元 U501 :合作方終端 U501 1 :輸入單元 U5012 :合作方通信單元 U502 :伺服器 U5 02 1 :加値碼產生單元 U5022 :伺服器通信單元 U5 023 :身份驗證單元 U5023 1 :解析子單元 U5 0232 ：比較子單元 U5024 ：加値單元 U601 :合作方終端 U 6 0 1 1 :輸入單元 U6012 :合作方通信單元 U602 :伺服器 U6021 :加値碼產生單元 U6022 :伺服器通信單元 U6023 :身份驗證單元 U6024 :加値單元 U6025 ：第一轉帳單元 U701 :合作方終端 -19- 201030650 U701 1 :輸入單元 U7012:合作方通信單元 U702 :伺服器 U 7 0 2 1 :加値碼產生單元 U7022 :伺服器通信單元 U7023 :身份驗證單元 U7024 :加値單元 U7026 :第二轉帳單元 U7013 :第三轉帳單元 -20201030650 VI. Description of the Invention: [Technical Field of the Invention] The present invention relates to the field of network resource data processing, and more particularly to an offline twisting method and system. [Prior Art] With the continuous development of network technology, the network can provide a variety of φ electronic services, virtual resources, etc., users can use these network information to obtain the corresponding services or resources, in these transactions can not Avoid involving the intervention of traditional currencies. The initial transaction was to use cash as a means of payment while trading in virtual property, but this method was difficult to guarantee in terms of both the speed of payment and the security of the transaction. Therefore, a third-party trading system emerged. The user can be provided with a third-party virtual account, and the user completes the payment of the transaction by adding the virtual account to the virtual account. In the prior art, some third-party virtual account charging processes can be exchanged with the electronic money of the online bank by using the traditional currency, and then the exchange of the electronic bank currency with the designated virtual currency. However, the premise is that users first open online banking, the steps of opening and adding are complicated, and the popular version of online banking has poor security and a certain transaction limit, while the professional version of online banking needs to install digital certificates on the user side. Therefore, only a small number of users use this method, and there is no widespread popularity, which has seriously hindered the development of third-party payment services. The above-mentioned drawbacks of the prior art are also in the process of adding various accounts such as online games, mobile communication, and fixed telephone communication. Therefore, there have been many offline twisting methods of -5-201030650, which enables users to complete the account's coronation quickly and easily without opening an online bank. This method of offline twisting usually needs to be done through payment outlets. The business modes of payment outlets are various, such as convenience stores, air coronation, self-service terminals, etc. Different outlets operate in different ways, such as Convenience stores use cash registers, mobile phones that use mobile phones, and self-service terminals that use card-only devices. However, when you add through these payment outlets, you need to provide the account name to be added as the identification of the identity. Cash registers, self-service terminals, etc. usually only input digital information, and do not have the function of inputting English letters. Therefore, for account names with complicated account information (such as account names including letters, special characters, etc.), record and input. At these outlets, it is very difficult or even impossible to complete, making it impossible to complete the coronation of such accounts. Therefore, a technical problem that needs to be solved urgently by those skilled in the art is that how to perform an account of a complicated and difficult-to-locate account with a bank name that can only input digital information can truly get rid of the dependence on the online banking. SUMMARY OF THE INVENTION In view of the above, an object of the present invention is to provide an offline twisting method and system </ RTI> to solve the problem of difficulty in registering accounts with complicated account names in the prior art. In order to achieve the above object, the present invention provides the following solutions: According to the specific embodiment provided by the present invention, the present invention discloses the following effects: -6-201030650. First, the present invention utilizes a mobile terminal carried by a user as a user identity. When the user handles the twisting service at the outlet, the outlet initiates a twisting instruction to the third party payment system according to the user mobile terminal number and the amount, and the second party payment system randomly generates a twisting code, the weighted code and the user specified movement. Corresponding to the terminal, after the user obtains the weighted code, the user can use his designated mobile terminal to add to his account. It can be seen that the method does not need to input the account name for authentication at the network point, but input the mobile terminal number instead of 'to avoid the problem of difficulty in registering the account, so that the account can be realized regardless of the complexity of the user account name. Coronation. Secondly, after obtaining the weighting code, the user logs in to the third-party payment system for coronation, and the third-party payment system sends a dynamic password to the designated mobile terminal as the password of the weighting code, and the user can correctly complete the dynamic password input. value. The account can be bound to the mobile terminal number, and after the weighting code is obtained, directly through the designated mobile terminal, the third party payment system initiates the coronation by short message or voice, and the third party payment system directly uses the mobile phone. The terminal number can be verified by the user identity and completed. Therefore, the separation of the weight and the password from time to place is effectively protected, and the security of the funds is effectively protected. The weighted code can be displayed in clear code. Even if it is lost, it can be retrieved through the third-party payment system without affecting the user's use. The above described objects, features and advantages of the present invention will become more apparent from the following description. Referring to FIG. 1 , the method for offline twisting provided by the present invention includes the following steps: S1 〇 1 • The partner terminal inputs the user's twisted amount and the first mobile terminal number, and sends the input twist information to the server; The 'partners' can be financial partner outlets (including counters of banking systems, self-service terminals, postal services, credit unions, etc.) or ordinary merchant outlets. The first mobile terminal may be a communication tool such as a mobile phone or a PHS, or another portable tool capable of transmitting and receiving information, and the like has a feature of being portable and having a unique identity, and the identification information is usually represented by a digital digit. , such as mobile phone numbers, etc. Use this identification information to verify the identity of the user. The server includes a network game server, a third-party payment system, etc., and the user can bring his own amount of the coronation to the partner terminal, and input the amount to be added and his own mobile through the partner terminal. The terminal number and the entered information (the amount of the card and the mobile terminal number) are sent to the server. s 1 02 : the server generates a twist code corresponding to the twisted amount and the first mobile terminal number, and provides the weight code to the user; when the user initiates the twist, the server The first mobile terminal number is used for identity verification, and the user account is added according to the weighting code. After receiving the twisted amount sent by the partner terminal and the first mobile terminal number of -8 - 201030650, the server may determine the transaction and then generate a weighting code, and the weighting code is added in multiple ways. The weight is provided to the user for return to the partner terminal, and the partner terminal is printed and delivered to the user. If the partner terminal is not available, the server may also adopt an add-on that will be generated directly, for example, by transmitting the first mobile terminal number to the user or the like. In practical applications, in order to facilitate the user to enter the device, the amount of the twist and the first mobile terminal can be provided to the user, and the user can damage the information by causing the user to suffer losses. It is worth noting that the user is added to his account after receiving the coronation amount. At this time, the crowning of the account can initiate the authenticity of the certificate transaction to the server, and the user only uses the weighting code to perform the identity through the first mobile terminal number, and the server adds the amount corresponding to the weighting code to: The foregoing is a mobile terminal number that is directly authenticated by the partner terminal according to an embodiment of the present invention. The mobile terminal number that is generated and input can be generated and sent to the user. Therefore, information such as the account name of the partner is supplied to the user even if it is only legal and authentic. Wherein, if the generated twist code can be used to conditionally complete the above operation code and send the code to the user's square code, use the short message method to verify the information, and the servo number and other related information are matched. In order to prevent the operation error code, the user has not yet requested to complete the request, but in order to ensure that the coronation cannot be completed, it is also verified if the verification passes to the user's account. The method of offline twisting, the input of the twisted amount, and the use of the server, the server corresponding to the terminal number, the terminal does not need to input the user digits of the terminal can also complete -9- 201030650. After the user obtains the weighting code, the user may send the weighting code to the server to initiate the charging, and the server verifies the identity of the user by using the mobile terminal number corresponding to the weighting code. The weight of the account. Therefore, the problem of difficult account location is solved. Among them, the user can initiate a feed to the server in a number of different ways. For example, one of the preferred ways may be to log in to the account through the server and then enter the weight to initiate the coronation. In this manner, after receiving the user's request for coronation, the server may authenticate the user by sending a dynamic password to the user by using the first mobile terminal number in a manner such as a short message, and prompting the user to input the Dynamic password. If the user can input correctly, the user is considered to have passed the authentication, and then the server can add the weighted amount corresponding to the weighted code to the user's account. This method is equivalent to using the dynamic password as the weighted password, and the weighting code and password are separated from time and place, which effectively protects the security of user funds. Therefore, the weighted code can be displayed clearly, and even if it is lost, the user can apply to the server to re-acquire the weight, and the server can verify the time, location, amount, mobile terminal number and other information paid by the partner terminal. Resending the weighting code to the user's mobile terminal does not affect the user's use. Another preferred method may be to initiate a twist to the server by means of a short message or voice of the mobile terminal. In this case, the user's first mobile terminal number may be bound in advance to the user's account, so that when the user sends the weighting code to the server through the second mobile terminal, the server may be -10-201030650 Directly determining whether the second mobile terminal number used for initiating the coronation is the same as the first mobile terminal number, and determining whether the user passes the identity verification. If the same, the amount corresponding to the weighting code can be directly added to the The mobile terminal is bound to the account. In this way, the user can complete the twisting process without having to log in to the server, which further simplifies the process of twisting and improves the efficiency of the twisting. Of course, when the mobile terminal initiates the coronation, it can also add the account of the other user. For example, user A binds his mobile phone number A to his own account; user B obtains the weighting code with his mobile phone number B, and user B can initiate a coronation to the server with his mobile phone number B, and will add Add the amount of the weight corresponding to the weight, and add the account of user A bound to mobile number A. As can be seen from the above description, through the embodiments of the present invention, both the location of the user identity information and the security of the funds are effectively guaranteed. In practical applications, in order to better adapt to the prior art processing flow, the server can preset an offline account to store the amount of the user who has performed the offline plus but has not transferred to his account. To this end, the payment clearing step can be carried out before the weighting code is generated to maintain the balance of funds and ensure the normal operation of the funds. The present invention may be embodied in a variety of ways, and the preferred embodiments of the present invention are described below, and are merely intended to illustrate the implementation of the present invention and are not to be construed as limiting the invention. Method 1: The partner opens a partner account on the server in advance and pre-adds it. After receiving the coronation information of the partner terminal, the server first judges whether the partner account is sufficient, and if sufficient, deducts the amount equal to the amount of the coronation from the partner account (since the partner collects the user's account) The funds, therefore, the corresponding deductions from the partner's account are reasonable) and transferred to the preset offline account. After the user initiates the coronation, the corresponding account can be transferred from the offline account to the user's account. This method is usually applicable to the case where the partner is an ordinary merchant. When the partner is a financial cooperation network, the following method can be adopted. Method 2: The server creates a server account on the partner side, and can also pre-add it. In this case, after receiving the coronation information of the partner terminal, the server may use the advance payment method to add the coronation amount from the server account to the preset offline account. Similarly, After the user initiates the coronation, the corresponding account can be transferred from the offline account to the user's account. The partner can transfer the amount of the coronation to the server account after the transaction to ensure break-even. In order to better understand the method provided by the embodiment of the present invention, a detailed description will be made below through specific examples. Referring to FIG. 2, in this example, the partner is an ordinary merchant, and a merchant account is opened in advance on the server, and pre-twisting is performed, and the mobile terminal of the user is a mobile phone, and the login account is used to initiate the coronation. The method includes the following steps: S201: the user carries the mobile phone and the cash or bank card to the merchant outlet; S202: the operator selects the relevant information according to the user request, including the amount of the twist and the mobile phone number; S203: the sending of the network terminal is enhanced Request to the server; 201030650 S204: The server verifies the authenticity and legality of the request; S2〇5: After the verification is passed, it is judged whether the amount of the merchant account is sufficient, and if sufficient, the amount of the merchant account is deducted and increased Equal amounts are transferred to the offline account, and the system generates a unique weighting code that corresponds to the received crowning information. S206: the server sends the generated weight code, the mobile phone number and the amount information, and the charging result to the merchant outlet terminal; S207: after receiving the network terminal, the weighting code is delivered to the user, and the user's amount is added ( You can also charge a handling fee, etc.): S208: The user logs in to his account through the server, and enters the weighting code to initiate the charging; S 2 09: The server generates the dynamic password after receiving the weighting code; S210: The server transmits and The mobile phone number corresponding to the weighted code sends a dynamic password to the user; S211: After the user receives the dynamic password through the mobile phone, the Wei enters the dynamic password; S2 1 2: after the server determines that the password is consistent, the server can The amount of the twist corresponding to the weighted code is transferred from the offline account to the account currently registered by the user. The following describes an offline twisting system. Referring to FIG. 3, the system includes a partner terminal U301 and a server U302. The partner terminal U3 01 includes: an input unit 3011 for inputting the amount of the user and the first mobile terminal. a number; -13- 201030650 partner communication unit 3012, configured to send the input twist information to the server; the server U302 includes: a weight generation unit U3 02 1 for generating the amount of the crown and the a mobile terminal number corresponding to the weighting code; a server communication unit U3022 for providing the weighting code to the user; and an identity verification unit U3 023 for utilizing the number when the user initiates the twisting A mobile terminal number is used for identity verification; and the adding unit U3024 is configured to add a user account according to the weighting code after the verification is passed. At the partner terminal U3 01, the user's amount of the twist is input from the input unit U3011 according to the needs of the user, and then the input twisting information, including the twisted amount and the first mobile terminal number, is transmitted by the partner communication unit U3012. After the server U3 02 receives the twisting information sent by the partner terminal U301, the weighting code generating unit U3021 generates a weighting code corresponding to the twisted amount and the first mobile terminal number. The weighted code is then provided to the user by the server communication unit U3 022 (the server communication unit U3022 may first send the weighted code to the partner terminal, and the user obtains the weighting code from the partner terminal, or directly Transmitting the weight code to the user through the first mobile terminal number; when the user initiates the charging, the identity verification unit U3 023 performs identity verification by using the first mobile terminal number, and after the verification is passed, the charging unit U 3 0 2 4 Adds a user account according to the weighting code. -14- 201030650 Where, the user can log in to his account through the server and enter the weighting code to initiate the coronation. Therefore, the dynamic password can be used for identity verification. In this case, see Figure 4. The identity verification unit U4 023 in the server U402 may comprise the following sub-units: a password generation sub-unit U4023 1 for generating a dynamic password; a password transmission sub-unit U40232' for transmitting to the user according to the first mobile terminal number The dynamic password; the password receiving subunit U40233 is configured to receive the dynamic password input by the user; the determining subunit U40234 is configured to determine whether the dynamic password input by the user is correct, and if so, triggering the twisting unit to perform the twisting; The twisting unit U4024 adds the account currently registered to the user according to the weighting code. The partner terminal U401, the input unit U4 011, the partner communication unit U4012, the weight code generating unit U4021, the server communication unit U4022 in FIG. 4, the partner terminal U201 in FIG. 2, the input unit U2011, the partner communication unit U2012, the weight code generating unit U2021, and the server communication unit U2022 are the same. The user can also use the mobile terminal to send a coronation code to the server by means of short message or voice to initiate the coronation, so the identity verification can be performed directly according to the originating mobile terminal number. In this case, see FIG. 5 . The authentication unit U5023 may include the following subunits: a parsing subunit U5023 1 for parsing the second mobile terminal number that initiates the coronation; -15- 201030650 comparing the subunit U5 023 2, for determining the second mobile that initiates the coronation Whether the terminal number is the same as the first mobile terminal number, if the same, triggering the twisting unit to perform the twisting; the twisting unit U 5 024 is tied to the first mobile terminal number according to the twisting code The user account is fixed. The partner terminal U501, the input unit U5011, the partner communication unit U5012, the weight code generating unit U 502 1, and the server communication unit U5022 in FIG. 5 communicate with the partner terminal U201, the input unit U2011, and the partner in FIG. The unit U2012, the weight code generating unit U2 021, and the server communication unit U2022 are the same. In order to adapt to the existing twisting system, referring to FIG. 6, the server U602 may further include: a first transfer unit U6025 for determining whether the amount of the partner account is sufficient, and if so, deducting the amount of the twist from the partner account And transferring to the preset offline account; the twisting unit U6024 transfers the twisted amount from the offline account to the user account to complete the twist. The partner terminal U6 01, the input unit U6 011, the partner communication unit U6012, the weight code generation unit U6021, the server communication unit U6022, the identity verification unit U6023 in FIG. 6, and the partner terminal U201 in FIG. The unit U201 1, the partner communication unit U2012, the weight code generation unit U202 1, the server communication unit U2022, and the identity verification unit U2023 are the same. This kind of system is more suitable for the case where the partner is an ordinary merchant. For the case that the partner is a financial system such as a bank, the following system can be used. Referring to Figure 7, the server U702 further includes: a second transfer unit U7026' Used to deduct the amount of the twist from the server account, and transfer to the preset offline account; at this time, the 'credit unit U 7 0 2 4 transfers the amount of the twist from the offline account The user account is completed, and the partner terminal U701 further includes: a third transfer unit U7013, configured to add the added amount to the server account. The input unit U 7011, the partner communication unit U7012, the weighting code generating unit U7021, the server communication unit U7022, the identity verification unit U7023 in FIG. 7, and the input unit U2011, the partner communication unit U2012, and FIG. The weight generating unit U2021, the server communication unit U2022, and the identity verification unit U2023 are the same. The method and system for offline twisting provided by the present invention are described in detail. The principles and embodiments of the present invention are described in detail herein. The description of the above embodiments is only for helping to understand the present invention. The method and its core idea; at the same time, there will be changes in the specific embodiments and application scope according to the idea of the present invention to those skilled in the art. In summary, the content of the specification should not be construed as limiting the invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart of a method according to an embodiment of the present invention; -17- 201030650 FIG. 2 is a flowchart of another method according to an embodiment of the present invention; FIG. Figure 4 is a schematic diagram of a second system according to an embodiment of the present invention; Figure 5 is a schematic diagram of a third system according to an embodiment of the present invention; 7 is a schematic diagram of a fifth system according to an embodiment of the present invention. [Main component symbol description] U301: partner terminal U3 02: server U301 1 : input unit U3012: partner communication unit U302 1 : weight code generating unit U3022: Server communication unit U3 023: Identity verification unit U3 024: Force port unit U401: Partner terminal U402: Server U401 1 : Input unit U4012: Partner communication unit U402 1 : Weight code generation unit U4022: Servo Communication unit U4023: identity verification unit U4023 1 : password generation subunit 201030650 U40232 : password transmission subunit U4023 3 : password reception subunit U40234: judging Unit U4024: twisting unit U501: partner terminal U501 1 : input unit U5012: partner communication unit U502: server U5 02 1 : weight generating unit U5022: server communication unit U5 023: identity unit U5023 1 : Parsing subunit U5 0232: comparing subunit U5024: twisting unit U601: partner terminal U 6 0 1 1 : input unit U6012: partner communication unit U602: server U6021: weight generating unit U6022: server communication unit U6023: Authentication unit U6024: Coronation unit U6025: First transfer unit U701: Partner terminal -19- 201030650 U701 1: Input unit U7012: Partner communication unit U702: Server U 7 0 2 1 : Weighted code generation Unit U7022: server communication unit U7023: identity verification unit U7024: twist unit U7026: second transfer unit U7013: third transfer unit-20