WO2019214393A1 - 资源转移方法、装置、计算机设备及存储介质 - Google Patents

资源转移方法、装置、计算机设备及存储介质 Download PDF

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Publication number
WO2019214393A1
WO2019214393A1 PCT/CN2019/082426 CN2019082426W WO2019214393A1 WO 2019214393 A1 WO2019214393 A1 WO 2019214393A1 CN 2019082426 W CN2019082426 W CN 2019082426W WO 2019214393 A1 WO2019214393 A1 WO 2019214393A1
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Prior art keywords
resource transfer
data
application identifier
interaction device
application
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PCT/CN2019/082426
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English (en)
French (fr)
Inventor
王贵钊
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腾讯科技（深圳）有限公司
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Priority to EP19800056.4A priority Critical patent/EP3792860B1/en
Priority to JP2020542813A priority patent/JP6980120B2/ja
Publication of WO2019214393A1 publication Critical patent/WO2019214393A1/zh
Priority to US16/997,166 priority patent/US20200380494A1/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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/40—Business processes related to the transportation industry
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0283—Price estimation or determination
    • G06Q30/0284—Time or distance, e.g. usage of parking meters or taximeters
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F9/00—Details other than those peculiar to special kinds or types of apparatus
    • G07F9/006—Details of the software used for the vending machines
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Definitions

  • the present application relates to the field of computer processing technologies, and in particular, to a resource transfer method, apparatus, computer device, and storage medium.
  • the embodiment of the present application proposes a high-efficiency resource transfer method, device, computer device and storage medium.
  • a resource transfer method the method being executed by a terminal, comprising:
  • a resource transfer device comprising:
  • an identifier request receiving module configured to receive, by the near field communication, an application identifier selection request sent by the resource transfer interaction device when the terminal is in the identification range of the resource transfer interaction device;
  • An identifier obtaining module configured to acquire a target resource transfer application identifier according to the application identifier selection request
  • a message generating module configured to acquire resource transfer data corresponding to the target resource transfer application identifier, and generate a corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, where the resource transfer The data is located in a custom field of the application identifier selection response message;
  • a returning module configured to return the application identifier selection response message to the resource transfer interaction device, where the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • a computer device comprising a memory and a processor, the memory storing a computer program, the computer program being executed by the processor, causing the processor to perform the following steps:
  • a computer readable storage medium storing a computer program, when executed by a processor, causes the processor to perform the following steps:
  • 1 is an application environment diagram of a resource transfer method in an embodiment
  • FIG. 2 is a flow chart of a resource transfer method in an embodiment
  • FIG. 3 is a flowchart of generating an application identifier selection response message in an embodiment
  • FIG. 4 is a schematic diagram of an interface of a ride record in an embodiment
  • FIG. 5 is a schematic flowchart of a resource transfer method in an embodiment
  • FIG. 6 is a sequence diagram of interaction between a resource transfer interaction device and a terminal in an embodiment
  • FIG. 7 is a flow chart of a resource transfer method in another embodiment
  • FIG. 8 is a structural block diagram of a resource transfer apparatus in an embodiment
  • FIG. 9 is a structural block diagram of a resource transfer apparatus in another embodiment.
  • FIG. 10 is a structural block diagram of a resource transfer apparatus in still another embodiment
  • Figure 11 is a block diagram showing the structure of a resource transfer device in still another embodiment
  • Figure 12 is a flow chart of a resource transfer device in still another embodiment
  • Figure 13 is a diagram showing the internal structure of a computer device in one embodiment.
  • FIG. 1 is an application environment diagram of a resource transfer method in an embodiment.
  • the resource transfer method is applied to a system of near field communication.
  • the near field communication system includes a resource transfer interaction device 110 and a terminal 120.
  • the resource transfer interaction device 110 and the terminal 120 communicate by near field communication (for example, NFC communication), and the resource transfer interaction device 110 may be any device for realizing resource transfer for supporting near field communication, for example, may be a public transportation vehicle.
  • the collection device can also be a collection device of a supermarket.
  • the terminal 120 may specifically be a mobile terminal, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like.
  • the resource transfer interaction device 110 sends an application identifier selection request to the terminal 120 through the near field communication, and after receiving the application identifier selection request, the terminal 120 acquires the target resource according to the application identifier selection request.
  • the application identifier is transferred, the resource transfer data corresponding to the target resource transfer application identifier is obtained, and the corresponding application identifier selection response message is generated according to the target resource transfer application identifier and the resource transfer data, and the resource transfer data is located in the application identifier selection response packet customization.
  • the field returns an application identifier selection response message to the resource transfer interaction device 110, and the resource transfer interaction device 110 is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • a resource transfer method is provided, which is executed by a terminal.
  • the resource transfer method specifically includes the following steps:
  • Step S202 When the terminal is in the identification range of the resource transfer interaction device, receive the application identifier selection request sent by the resource transfer interaction device by using the near field communication.
  • the resource transfer interaction device refers to a device for implementing resource transfer for supporting near field communication, for example, it may be a collection device of a public transportation vehicle, or a collection device of a supermarket.
  • Near field communication also known as “near-range wireless communication” is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission between electronic devices. Common near field communication includes NFC (Near Field Communication) communication, Bluetooth communication, and the like.
  • the application identifier selection request is an instruction sent by the resource transfer interaction device to the terminal that is close to it, and is used to obtain an application identifier (AID) to be used next.
  • the application identifier is used to uniquely identify an application, and the application identifier is registered.
  • the Application Provider Identifier (RID) and the Proprietary Application Identifier Extension (PIX) are combined.
  • the identification range of the resource transfer interaction device refers to the range of distance that the near field communication of the resource transfer interaction device can cover.
  • Step S204 Acquire a target resource transfer application identifier according to the application identifier selection request.
  • the terminal After receiving the application identifier selection request of the resource transfer interaction device, the terminal selects the target resource transfer application identifier to be used next.
  • the resource transfer application identifier may be classified into a debit card application identifier, a credit card application identifier, an electronic cash application identifier, a two-dimensional code application identifier, and the like.
  • the purpose of selecting an application identifier is to specify a specific application for subsequent resource transfer interactions.
  • the target resource transfer application identifier here is an application selected by the terminal for resource transfer interaction next. For example, if the selected target resource transfer application identifier is a two-dimensional code application identifier, then the data of the next interaction is the two-dimensional code data corresponding to the two-dimensional code application identifier.
  • Step S206 Obtain resource transfer data corresponding to the target resource transfer application identifier, and generate a corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, where the resource transfer data is located in a custom field of the application identifier selection response message.
  • the resource transfer data refers to target data used for resource transfer, including: a user account for debiting.
  • the user account used for debiting may be associated with or the same as the user account of the target resource transfer application.
  • the application identifier selection response packet refers to a packet returned by the terminal according to the application identifier selection request.
  • the traditional application identifier selection response message is only used to transmit the application identifier selected by the terminal.
  • the terminal transmits the resource transfer data corresponding to the target resource transfer application identifier in addition to the selected target resource transfer application identifier.
  • the terminal adds the resource transfer data to the custom field of the application identifier selection response message, and generates an application identifier selection response message including the resource transfer data. In this way, when the subsequent terminal returns the application identifier selection response message, the resource transfer data can be transmitted to the resource transfer interaction device, thereby realizing the rapid transfer of the resource transfer data to the resource transfer interaction device, which is beneficial to improving the efficiency of resource transfer.
  • Step S208 the application identifier selection response message is returned to the resource transfer interaction device, and the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • the resource transfer interaction device is configured to complete resource transfer in the corresponding slave account according to the received resource transfer data.
  • the terminal After the terminal generates the corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, the terminal returns the application identifier selection response message to the resource transfer interaction device.
  • the manner in which the resource transfer data request is read is started after the application of the application identity response message is received, and the resource transfer data is directly added to the application identifier selection response message and returned to the resource transfer interaction device.
  • the method realizes the purpose of rapidly transferring resource transfer data to the resource transfer interactive device, thereby improving the efficiency of resource transfer.
  • the resource transfer method when the terminal is in the identification range of the resource transfer interaction device, receives the application identifier selection request sent by the resource transfer interaction device through the near field communication, and then acquires the target resource transfer application identifier and the corresponding resource transfer data, and then The resource transfer data is added to the custom field in the application identifier selection response message, so that when the application identifier selection response message is returned, the resource transfer data can be transmitted to the resource transfer interaction device, so that the resource transfer data is quickly transmitted to the resource. Transfer interactive devices to improve the efficiency of resource transfer.
  • the custom field includes a first custom field and a second custom field
  • the corresponding application identifier selection response message is generated according to the target resource transfer application identifier and the resource transfer data, including:
  • step S206A it is determined whether the resource transfer data is greater than the preset length. If yes, the process goes to step S206B, and if no, the process goes to step S206C.
  • the terminal determines whether the length of the resource transfer data is greater than a preset length (for example, 10 bytes). If yes, the resource transfer data needs to be divided into the first segment data and the remaining data, where the first segment data refers to resource transfer.
  • the data of the previous preset length in the data, and the remaining data refers to data other than the first segment data. For example, assuming a preset length of 10 bytes, assuming that the resource transfer data has 18 bytes, the first 10 bytes of the resource transfer data are used as the first segment data, and the remaining 8 bytes are used as the remaining data. If the resource transfer data is not greater than the preset length, all the resource transfer data is directly added to the first custom field.
  • a preset length for example, 10 bytes.
  • Step S206B the resource transfer data is divided into the first segment data and the remaining data, the first segment data is added to the first custom field, the data length corresponding to the remaining data is obtained, and the data length is added to the application identifier selection response report.
  • the second custom field of the text is added to the resource transfer data.
  • the terminal divides the resource transfer data into two parts, one is the first segment data and the other is the remaining data. Get the data length of the remaining data. Adding the first segment data to the first custom field of the application identifier selection response message, and adding the data length of the remaining data to the second custom field of the application identifier selection response message.
  • step S206C the resource transfer data is directly added to the first custom field.
  • the terminal directly adds the resource transfer data to the first custom field of the application identifier selection response message when the resource transfer data is not greater than the preset length.
  • the second custom field further includes: a file identifier for storing the remaining data in the resource transfer interaction device, where the file identifier may be, for example, a resource transfer sent by the terminal to the resource transfer interaction device.
  • the environment selection request is obtained from the resource transfer environment selection request.
  • the resource transfer method further includes: the terminal receiving the request for reading the remaining data sent by the resource transfer interaction device, and the remaining The data is transferred to the resource transfer interaction device, and the resource transfer interaction device is configured to store the received remaining data in a file corresponding to the file identifier.
  • the second custom field includes a file identifier for storing the remaining data in the resource transfer interaction device, and the file identifier is used to uniquely identify a file, that is, the second custom field further includes a file identifier. Specifies the file identifier of which file to store the remaining data to the resource transfer interactive device.
  • the resource transfer interaction device After receiving the application identifier selection response message, the resource transfer interaction device reads the length of the remaining data in the second custom field. If the remaining data length is not 0, the terminal sends a request to read the remaining data. After receiving the request for reading the remaining data sent by the resource transfer interaction device, the terminal transmits the remaining data to the resource transfer interaction device, and the resource transfer interaction device stores the received remaining data in the file corresponding to the file identifier.
  • the structure of the application identification (AID) selection response message is as shown in Table 1.
  • the 9F46 and 9F47 tags in the AID selection response message respectively represent a first custom field and a second custom field.
  • M means mandatory
  • O Optional
  • DF Dedicated File
  • PDO refers to the Processing Options Data Object List. If the resource transfer data to be transmitted is not greater than the preset length, the terminal can use the AID to select the response packet to complete the transmission. If the transmitted resource transfer data is greater than the preset length, the terminal needs to include the length of the remaining data in the 9F47 tag and the subsequent The name of the binary file used to store the remaining data.
  • the resource transfer interaction device After receiving the AID selection response message sent by the terminal, the resource transfer interaction device reads the length of the remaining data in the 9F47 tag to determine that the length of the remaining data is greater than 0, and then initiates a request instruction for reading the remaining data. Then, after receiving the remaining data sent by the terminal according to the request for reading the remaining data, the remaining data read is stored in the file corresponding to the binary file name.
  • the format of the command message of the request for the resource transfer interaction device to read the remaining data is as shown in Table 2.
  • CLA indicates the instruction type
  • INS indicates the instruction type instruction code
  • P1 and P2 indicate the command parameters
  • Lc indicates the data field Data length, the length cannot exceed 239 bytes
  • Data indicates the data field or response data field
  • Le indicates that Returns the length of the data.
  • XX in Table 2 represents a variable value.
  • a command message for reading the remaining data 00B0100101010F08
  • 00 means CLA
  • B0 means INS
  • the upper three bits of P1 are 100
  • the lower five bits are file identifiers, which represent 10101 files
  • 0F means that the offset from the beginning of 10101 is 16 bytes.
  • Data 08 indicates that 8 bytes are read from the 0F byte position. Therefore, the command message of the request for reading the remaining data is interpreted as starting from the 0th byte of the 10101 file and returning 8 bytes later.
  • the response message returned by the terminal corresponding to the request for reading the remaining data is, for example, the transmission data content +9F47+04+binary file name+remaining length.
  • the transmission data content is the remaining data
  • 04 refers to the corresponding instruction type.
  • the binary file name refers to a file name for storing the remaining data. Since the data length of each transmission is limited, if the length of the remaining data is greater than the maximum transmission length, the terminal needs to further divide the remaining data into two parts. Similarly, the terminal will transmit the “remaining length” of the data remaining after the current transmission, so that the resource transfer interactive device continues to read the remaining data next time until the remaining length is 0, and the reading is stopped.
  • the resource transfer method further includes: receiving resource transfer record data returned by the resource transfer interaction device, where the resource transfer record data may include resource transfer location information, resource transfer value, and the resource transfer interaction device. And storing the resource transfer record data in at least one of corresponding device identifier and resource transfer time information.
  • the resource transfer interaction device In order to reserve the resource transfer record data in the terminal, the resource transfer interaction device returns the resource transfer record data to the terminal after receiving the resource transfer data.
  • the terminal receives the resource transfer record data written back by the resource transfer interaction device, and then stores the data.
  • the terminal After receiving the resource transfer record data, the terminal encrypts and stores the resource transfer record data. Since the write-back resource transfer record data is a method of communication through near field, the write-back of the resource transfer record data can also be realized without the network.
  • the sub-applications in the terminal interact with the resource transfer interaction device, and the resource transfer record data received by the terminal is stored in a directory corresponding to the sub-application. Compared with the traditional requirement that the physical card can be written back, in the embodiment of the present application, the data is written back to the sub-application in the terminal, that is, the data is written back to the virtual card.
  • the terminal when the terminal exists in the network, the terminal may upload the resource transfer record data to the server corresponding to the sub-application, so that the subsequent server performs user behavior analysis according to the collected resource transfer record data. For example, counting the number of times a user has recorded resource transfer data within a day, if it exceeds a preset number of times, it may be a malicious resource transfer.
  • the resource transfer interaction device is a collection device of a public transportation vehicle.
  • a data structure that satisfies the minimum data amount for recording the information of the riding environment can be designed, and the data structure is written back and forth.
  • the data structure of the design is as shown in Table 3:
  • the data structure formed above is the smallest structure transmitted by the collection device of the public transportation vehicle to the terminal for recording the ride information.
  • the above resource transfer method is applicable to any scenario where resource transfer is performed.
  • the resource transfer interaction device is a collection device of a public transportation vehicle
  • the target resource transfer application identifier is a two-dimensional code application identifier
  • the resource transfer record data includes a ride start position information, a ride start collection device identifier, a ride start time
  • the public transport device of the public transport terminates the collection device,
  • the resource transfer record data includes the ride termination location information, the ride termination payment device identification, the ride termination time, and the ride amount.
  • the resource transfer interaction device is a collection device of the public transportation
  • the target resource transfer application identifier is a two-dimensional code application identifier
  • the corresponding resource transfer data is a two-dimensional code resource transfer data.
  • the collection equipment of public transportation needs to be divided into the initial collection equipment and the termination collection equipment.
  • the resource transfer record data includes the starting position information of the riding, the identification of the starting collection device of the riding, the starting time of the riding, and the collection of the public transportation.
  • the resource transfer record data includes the stop position information of the ride, the stop payment device identification by the ride, the travel stop time, and the ride amount.
  • the amount of the charge can be determined for getting on the vehicle like a normal bus.
  • the corresponding resource transfer record data includes the ride start position information, the ride start collection device identifier, the ride start time, and the ride. The amount of the car. Suitable for travel in various cities.
  • the terminal displays an interface diagram of the ride record.
  • the resource transfer interaction device is a merchant's collection device.
  • the corresponding resource transfer record data includes: purchase time, purchase place, item information, item amount, and the like.
  • the sub-application runs in the parent application. Provided in the environment.
  • the terminal specifically interacts with the resource transfer interaction device through the sub-application on the terminal, and the sub-application runs in an environment provided by the parent application on the terminal.
  • a parent application is an application that hosts a child application, providing an environment for the implementation of the child application.
  • the parent application is a native application.
  • Native applications are applications that run directly on the operating system.
  • the parent application can be a social application, a dedicated application that specifically supports the sub-application, a file management application, a mail application, or a game application.
  • the sub-application receives, by the sub-application, an application identifier selection request sent by the resource transfer interaction device, the sub-application obtains the target resource transfer application identifier according to the application identifier selection request, and the sub-application acquires the resource transfer data corresponding to the target resource transfer application identifier, and then according to the target
  • the resource transfer application identifier and the resource transfer data generate a corresponding application identifier selection response message, the resource transfer data is located in a custom field of the application identifier selection response message, and the sub-application returns an application identifier selection response message to the resource transfer interaction device.
  • the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • the method before the receiving, by the near field communication, the application identifier selection request sent by the resource transfer interaction device, the method further includes: detecting whether the terminal supports near field communication, and if yes, entering when the terminal is in a resource transfer interaction When the identifier of the device is within the range, the step of receiving the application identifier selection request sent by the resource transfer interaction device is received by the near field communication, otherwise the terminal generates a two-dimensional code, and the two-dimensional code carries the two-dimensional code resource transfer data.
  • the resource transfer interaction device may acquire resource transfer data by scanning a two-dimensional code in the terminal.
  • the traditional selection method is to require the user to manually select which resource transfer mode to use.
  • the automatic selection is performed by detecting whether the terminal supports near field communication, and if the near field communication is supported, the interaction mode of the near field communication is used.
  • the application identifier selection request sent by the resource transfer interaction device is received by the near field communication. If not, the terminal generates a two-dimensional code by using the interaction mode of the two-dimensional code.
  • the two-dimensional code carries the two-dimensional code resource transfer data, and the resource transfer interaction device can obtain the corresponding two-dimensional code resource transfer data by scanning the two-dimensional code.
  • the near field communication is implemented by calling an HCE service, and the host-based card emulation (HCE) simulates a card through an application in the terminal, and uses the analog card to External resource transfer interaction devices interact.
  • HCE host-based card emulation
  • SE hardware-free Secure Element
  • near field communication is implemented by a sub-application in the terminal calling an API (interface) of the HCE service.
  • the sub-application refers to a program that depends on the parent application to provide a running environment, and the parent application is an application that carries the sub-application, providing an environment for the implementation of the sub-application.
  • the parent application is a native application. Native applications are applications that run directly on the operating system.
  • the parent application can be a social application, a dedicated application that specifically supports the sub-application, a file management application, a mail application, or a game application.
  • the near field communication can also be implemented in the following manner: using a SWP SIM card (Single Wire Protocol Subscriber Identity Module, a new standard SIM card) as a data security storage device, the card number and The password is stored in the SWP SIM card and connected to the NFC controller through the C6 pin on the card.
  • SWP SIM card Single Wire Protocol Subscriber Identity Module, a new standard SIM card
  • This method does not require the HCE to simulate the virtual card, and directly stores the key information such as the card number and password in the SWP SIM card.
  • the sub-application detects whether the terminal supports the NFC function. If the NFC function is not supported, the two-dimensional code is directly generated, and the resource transfer data is transmitted using the two-dimensional code. If the NFC function is supported, the sub-application determines whether NFC is currently enabled. If the NFC function is not enabled, a prompt box is displayed to prompt the user to perform system setting and enable the NFC function.
  • the sub-application After determining that the NFC function is enabled, the sub-application initializes the NFC resource transfer environment, and then waits to receive the request sent by the external resource transfer interaction device, and interacts with the resource transfer interaction device according to the request to determine whether the interaction is completed. If yes, the resource is completed. The data is transferred, and then the resource transfer record data sent by the resource transfer interaction device is received, and the received data is encrypted and stored in a directory corresponding to the sub-application.
  • the method before the receiving, by the near field communication, the application identifier selection request sent by the resource transfer interaction device, the method further includes: receiving, by the near field communication, a resource transfer environment selection request sent by the resource transfer interaction device; The environment selection request determines the target resource transfer environment; the obtaining the target resource transfer application identifier according to the application identifier selection request includes: selecting the target resource transfer application identifier from the target resource transfer environment directory corresponding to the target resource transfer environment.
  • the selection of the resource transfer environment is first performed.
  • the terminal receives the resource transfer environment selection request sent by the resource transfer interaction device by using the near field communication, and the resource transfer environment selection request is used to obtain the target resource transfer environment selected by the terminal. After that, the terminal selects and obtains the target resource transfer application identifier in the target resource transfer environment directory corresponding to the target resource transfer environment.
  • the selection instruction used in the resource transfer environment selection request instruction is a select file SELECT instruction when the resource transfer environment is selected.
  • the SELECT command implements the resource transfer environment setting by selecting the file name, file identifier, or selecting an application to select the corresponding file on the terminal. For example, select the master file (Master File, MF) and the directory definition file containing the subordinate directory (Directory). Definition File (DDF), an Application Definition File (ADF) that does not contain a subordinate directory. DDF is a directory entry that can have either an ADF or a DDF.
  • the ADF uses the ADF name to identify the application.
  • the ADF name is the AID, and an AID represents an application.
  • the command message of the resource transfer environment selection request is as shown in Table 4:
  • CLA indicates the instruction type
  • INS indicates the instruction type instruction code
  • P1 and P2 indicate the command parameters
  • Lc indicates the data field Data length, the length cannot exceed 239 bytes
  • Data indicates the data field or response data field
  • Le indicates that Returns the length of the data. When Le is 00, it means that the maximum data length is returned. The length cannot exceed 239 bytes.
  • the terminal After the terminal receives the resource transfer environment selection request sent by the resource transfer interaction device, it first determines that 00A4 represents a SELECT command, and determines that a specific directory or file name needs to be selected; then, P1 is determined, and if 00, the request needs to select a file, specifically The selected file name is determined by Data. After the meaning of the request is specified, the terminal determines whether the file specified by the file name exists in the terminal, and if yes, sends a response message representing the existence of the file to the resource transfer interactive device. If not, Sending a response message indicating that the file does not exist to the resource transfer interaction device. Similarly, if P1 is 04, it means to select the directory described in Data.
  • the terminal determines whether the directory specified in the data exists in the terminal. If the directory exists, the terminal sends a response message indicating that the directory exists to the resource transfer interaction device. If the directory does not exist, the terminal The resource transfer interaction device sends a response message indicating that the directory does not exist.
  • the response message sent by the terminal to the resource transfer interaction device corresponding to the resource transfer environment selection request is composed of the return file control information (FCI), as shown in Table 5:
  • the response message in the resource transfer interaction starts with 6F, followed by 84 or A5.
  • the value of 84 indicates a fixed 2PAY.SYS.DDF01, and the message returned by the terminal is, for example, 6F840E2PAY.SYS.DDF01. If it is A5, the terminal determines whether there is a FCI-specific template. If there is no FCI-specific template, the response message is 6F04A500. If there is an FCI-specific template, BF0C is required after A5, and then the terminal determines whether there is FCI on it. The card issuer customizes the data. If there is no FCI card issuer custom data, the response message is 6F0AA506BF0C00.
  • FCI card issuer custom data it indicates that there is a directory or file on the terminal that you want to select.
  • the 61 tags behind the BF0C can exist. Groups, each of which describes the details in the catalog. Take 6F1EA51ABF0C14610411014F0810010101 as an example. After 6F tag, there is data. The length is 1E (10 is 10 bytes). A5 indicates that there is FCI-specific template data, and the length is 1A (the decimal is 26 bytes). Bytes, BF0C indicates that there is a custom data of the FCI card issuer, the length is 14 (10 bytes is 10 bytes), and then the directory entry is described by the 61 tag.
  • the directory name length is 4 bytes. The directory name is 1101. In the directory 1101, there is a file, so it is represented by a 4F tag. The file name is 8 bytes long and the file name is 10010101.
  • the command packet of the application identifier selection request sent by the resource transfer interaction device is consistent with the structure in Table 4, wherein the request for selecting the resource transfer environment is used to select the target resource transfer environment directory, and the application identifier selection request is applied. It is used to select the specific application identifier in the target resource transfer environment directory. Therefore, the application AID file can be regarded as a file under the resource transfer environment directory, which is a tree structure.
  • a timing diagram of a resource transfer interaction device interacting with a terminal First, the resource transfer interaction device sends a selection instruction (request) of the resource transfer environment to the terminal, and the terminal returns a response message of the resource transfer environment, where the response message of the resource transfer environment includes the selected resource transfer environment. Then, the resource transfer interaction device sends a selection instruction of the application identifier to the terminal, and the terminal returns a response message of the application identifier, where the response packet includes the selected target resource transfer application identifier and resource transfer data.
  • a selection instruction request
  • the terminal returns a response message of the resource transfer environment, where the response message of the resource transfer environment includes the selected resource transfer environment.
  • the resource transfer interaction device sends a selection instruction of the application identifier to the terminal, and the terminal returns a response message of the application identifier, where the response packet includes the selected target resource transfer application identifier and resource transfer data.
  • the resource transfer interaction device sends a request for reading the remaining resource transfer data to the terminal, and the terminal returns a response message of the resource transfer data, where the response message includes the remaining resource transfer data. Finally, the resource transfer interaction device sends the resource transfer record data to the terminal, and the terminal stores the resource transfer record, and returns a response message that is successfully received.
  • the command message of the selection instruction and the returned response message are transmitted in a TLV (Tag, Length, Value) format.
  • TLV TLV
  • Tag is used to identify different instructions
  • Length indicates the length of the subsequent Value of the instruction
  • Value indicates the specific value.
  • a resource transfer method which specifically includes the following steps:
  • Step S601 detecting whether the terminal supports near field communication, if yes, proceeding to step S603, and if no, proceeding to step S602.
  • Step S602 generating a two-dimensional code, the two-dimensional code carrying resource transfer data.
  • Step S603 When the terminal is in the identification range of the resource transfer interaction device, the sub-application receives the resource transfer environment selection request sent by the resource transfer interaction device by using the near field communication, and the sub-application runs in an environment provided by the parent application.
  • Step S604 determining a target resource transfer environment according to the resource transfer environment selection request.
  • Step S605 Receive an application identifier selection request sent by the resource transfer interaction device by using near field communication.
  • Step S606 selecting a target resource transfer application identifier from the target resource transfer environment directory corresponding to the target resource transfer environment.
  • Step S607 Acquire resource transfer data corresponding to the target resource transfer application identifier, and generate a corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, where the resource transfer data is located in a custom field of the application identifier selection response message. ;
  • Step S608 returning an application identifier selection response message to the resource transfer interaction device, where the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • Step S609 Receive resource transfer record data returned by the resource transfer interaction device, where the resource transfer record data includes at least one of resource transfer location information, resource transfer value, device identifier corresponding to the resource transfer interaction device, and resource transfer time information.
  • Step S610 storing the resource transfer record data.
  • steps S601 to S610 may be performed by the sub-application.
  • a resource transfer device comprising:
  • the identifier request receiving module 802 is configured to receive an application identifier selection request sent by the resource transfer interaction device by using the near field communication when the terminal is in the identification range of the resource transfer interaction device;
  • An identifier obtaining module 804 configured to acquire a target resource transfer application identifier according to the application identifier selection request;
  • the message generating module 806 is configured to acquire the resource transfer data corresponding to the target resource transfer application identifier, and generate a corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, where the resource is generated.
  • the transfer data is located in a custom field of the application identifier selection response message;
  • the returning module 808 is configured to return the application identifier selection response message to the resource transfer interaction device, where the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data. .
  • the custom field includes a first custom field and a second custom field
  • the message generating module 806 is further configured to: when the resource transfer data is greater than a preset length, the resource is Transferring data into first segment data and remaining data; adding the first segment data to the first custom field; acquiring a data length corresponding to the remaining data, adding the data length to the The application identifier selects a second custom field of the response message.
  • the second custom field further includes: a file identifier for storing the remaining data in the resource transfer interaction device; the resource transfer device further includes:
  • the data transmission module 807 is configured to receive a request for reading the remaining data sent by the resource transfer interaction device, and transmit the remaining data to the resource transfer interaction device according to the request for reading the remaining data, where the resource
  • the transfer interaction device is configured to store the received remaining data in a file corresponding to the text identifier.
  • the resource transfer apparatus further includes:
  • the record data receiving module 810 is configured to receive the resource transfer record data returned by the resource transfer interaction device, where the resource transfer record data includes resource transfer location information, a resource transfer value, a device identifier corresponding to the resource transfer interaction device, and a resource. Transferring at least one of the time information;
  • the storage module 812 is configured to store the resource transfer record data.
  • the resource transfer interaction device is a collection device of a public transportation vehicle
  • the target resource transfer application identifier is a two-dimensional code application identifier
  • the resource transfer record data includes a ride start position information, a ride start collection device identifier, a ride start time
  • the public transport device of the public transport terminates the collection device,
  • the resource transfer record data includes the ride termination location information, the ride termination payment device identification, the ride termination time, and the ride amount.
  • the execution subject of the device is a sub-application in the terminal.
  • the sub-application receives the application identifier selection request sent by the resource transfer interaction device and completes the step of receiving the application identifier selection request sent by the resource transfer interaction device, the sub-application runs in a payment environment provided by the parent application.
  • the method before the receiving the application identifier selection request sent by the resource transfer interaction device by the near field communication, the method further includes:
  • the detecting module 801 is configured to detect whether the terminal supports near field communication, and if yes, enter an application identifier selection request sent by the resource transfer interaction device by using the near field communication when the terminal is within the identification range of the resource transfer interaction device. Step: Otherwise, the terminal generates a two-dimensional code, and the two-dimensional code carries two-dimensional code resource transfer data.
  • the method before the receiving, by the near field communication, the application identifier selection request sent by the resource transfer interaction device, the method further includes:
  • the environment request receiving module 814 is configured to receive, by using the near field communication, a resource transfer environment selection request sent by the resource transfer interaction device;
  • a determining module 816 configured to determine a target resource transfer environment according to the resource transfer environment selection request
  • the identifier obtaining module 804 is further configured to select the target resource transfer application identifier from the target resource transfer environment directory corresponding to the target resource transfer environment.
  • Figure 13 is a diagram showing the internal structure of a computer device in one embodiment.
  • the computer device may specifically be a terminal.
  • the computer device includes a processor, a memory, and a network interface connected by a system bus.
  • the memory comprises a non-volatile storage medium and an internal memory.
  • the non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement the resource transfer device.
  • Also stored in the internal memory is a computer program that, when executed by the processor, causes the processor to execute the resource transfer device. It will be understood by those skilled in the art that the structure shown in FIG.
  • FIG. 13 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • the resource transfer device provided by the present application can be implemented in the form of a computer program that can be run on a computer device as shown in FIG.
  • the program modules constituting the resource transfer device such as the identification request receiving module 802, the identification obtaining module 804, the message generating module 806, and the returning module 808, may be stored in a memory of the computer device.
  • the computer program of the various program modules causes the processor to perform the steps in the resource transfer device of the various embodiments of the present application described in this specification.
  • the computer device shown in FIG. 13 can receive the application identifier selection request sent by the resource transfer interaction device through the near field communication by the identifier request receiving module 802 of the resource transfer device as shown in FIG.
  • the application identifier selection request acquires the target resource transfer application identifier; the packet generation module 806 acquires the resource transfer data corresponding to the target resource transfer application identifier, and generates a corresponding application according to the target resource transfer application identifier and the resource transfer data. Identifying a selection response message, where the resource transfer data is located in a custom field of the application identifier selection response message; and returning the application identifier selection response message to the resource transfer interaction device by the returning module 808, the resource transfer The interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • a computer apparatus comprising a memory and a processor, the memory storing a computer program, the computer program being executed by the processor, causing the processor to perform the following steps: when the terminal Receiving an application identifier selection request sent by the resource transfer interaction device by using the near field communication, acquiring the target resource transfer application identifier according to the application identifier selection request, and acquiring the target resource transfer application identifier according to the application identifier selection request; Corresponding resource transfer data, generating a corresponding application identifier selection response message according to the target resource transfer application identifier and the resource transfer data, where the resource transfer data is located in a custom field of the application identifier selection response message; The application identifier selects a response message to the resource transfer interaction device, and the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • the custom field includes a first custom field and a second custom field
  • the corresponding application identifier selection response message generated according to the target resource transfer application identifier and the resource transfer data includes And when the resource transfer data is greater than a preset length, dividing the resource transfer data into first segment data and remaining data; adding the first segment data to the first custom field; The data length corresponding to the remaining data is added to the second custom field of the application identifier selection response message.
  • the second custom field further includes: a file identifier for storing the remaining data in the resource transfer interaction device; the computer program further causing the processor to perform the following steps: receiving Transmitting, by the resource transfer interaction device, a request for reading the remaining data, and transmitting the remaining data to the resource transfer interaction device, where the resource transfer interaction device is configured to store the received remaining data to the text identifier. In the file.
  • the computer program further causes the processor to perform the following steps: receiving resource transfer record data returned by the resource transfer interaction device, the resource transfer record data including resource transfer location information, resource transfer value, At least one of the device identifier and the resource transfer time information corresponding to the resource transfer interaction device; storing the resource transfer record data.
  • the resource transfer interaction device is a collection device of a public transportation vehicle
  • the target resource transfer application identifier is a two-dimensional code application identifier
  • the resource transfer record data includes a ride start position information, a ride start collection device identifier, a ride start time
  • the public transport device of the public transport terminates the collection device,
  • the resource transfer record data includes the ride termination location information, the ride termination payment device identification, the ride termination time, and the ride amount.
  • the computer program further causes the processor to perform the step of detecting whether the terminal supports near field communication, before the application identification selection request sent by the resource transfer interaction device is received by the near field communication, If yes, the step of receiving an application identifier selection request sent by the resource transfer interaction device by using the near field communication when the terminal is in the identification range of the resource transfer interaction device, otherwise the terminal generates a two-dimensional code, the two-dimensional code Carry the QR code resource transfer data.
  • the computer program before the application identifier selection request sent by the resource transfer interaction device is received by the near field communication, the computer program further causes the processor to perform the following steps: receiving the resource transfer interaction device by using the near field communication a resource transfer environment selection request; determining a target resource transfer environment according to the resource transfer environment selection request; and obtaining, according to the application identifier selection request, a target resource transfer application identifier, comprising: selecting a target resource transfer environment directory corresponding to the target resource transfer environment The target resource transfer application identifier is selected.
  • a computer readable storage medium stored with a computer program that, when executed by a processor, causes the processor to perform the steps of: when the terminal is in the identification range of the resource transfer interactive device Receiving an application identifier selection request sent by the resource transfer interaction device by using the near field communication; acquiring the target resource transfer application identifier according to the application identifier selection request; and acquiring resource transfer data corresponding to the target resource transfer application identifier, according to the The target resource transfer application identifier and the resource transfer data generate a corresponding application identifier selection response message, where the resource transfer data is located in a custom field of the application identifier selection response message; and the application identifier selection response message is returned.
  • the resource transfer interaction device is configured to complete the corresponding resource transfer according to the target resource transfer application identifier and the resource transfer data.
  • the custom field includes a first custom field and a second custom field
  • the corresponding application identifier selection response message generated according to the target resource transfer application identifier and the resource transfer data includes And when the resource transfer data is greater than a preset length, dividing the resource transfer data into first segment data and remaining data; adding the first segment data to the first custom field; The data length corresponding to the remaining data is added to the second custom field of the application identifier selection response message.
  • the second custom field further includes: a file identifier for storing the remaining data in the resource transfer interaction device; the computer program further causing the processor to perform the following steps: receiving Transmitting, by the resource transfer interaction device, a request for reading the remaining data, and transmitting the remaining data to the resource transfer interaction device, where the resource transfer interaction device is configured to store the received remaining data to the text identifier. In the file.
  • the computer program further causes the processor to perform the following steps: receiving resource transfer record data returned by the resource transfer interaction device, the resource transfer record data including resource transfer location information, resource transfer value, At least one of the device identifier and the resource transfer time information corresponding to the resource transfer interaction device; storing the resource transfer record data.
  • the resource transfer interaction device is a collection device of a public transportation vehicle
  • the target resource transfer application identifier is a two-dimensional code application identifier
  • the resource transfer record data includes a ride start position information, a ride start collection device identifier, a ride start time
  • the public transport device of the public transport terminates the collection device,
  • the resource transfer record data includes the ride termination location information, the ride termination payment device identification, the ride termination time, and the ride amount.
  • the computer program further causes the processor to perform the step of detecting whether the terminal supports near field communication, before the application identification selection request sent by the resource transfer interaction device is received by the near field communication, If yes, the step of receiving an application identifier selection request sent by the resource transfer interaction device by using the near field communication when the terminal is in the identification range of the resource transfer interaction device, otherwise the terminal generates a two-dimensional code, the two-dimensional code Carry the QR code resource transfer data.
  • the computer program before the application identifier selection request sent by the resource transfer interaction device is received by the near field communication, the computer program further causes the processor to perform the following steps: receiving the resource transfer interaction device by using the near field communication a resource transfer environment selection request; determining a target resource transfer environment according to the resource transfer environment selection request; and obtaining, according to the application identifier selection request, a target resource transfer application identifier, comprising: selecting a target resource transfer environment directory corresponding to the target resource transfer environment The target resource transfer application identifier is selected.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

一种资源转移方法、资源转移装置、计算机设备及存储介质，该资源转移方法包括：当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求（S202）；根据应用标识选择请求获取目标资源转移应用标识（S204）；获取与目标资源转移应用标识对应的资源转移数据，根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文，资源转移数据位于应用标识选择响应报文的自定义字段（S206）；返回应用标识选择响应报文至资源转移交互设备，资源转移交互设备用于根据目标资源转移应用标识和资源转移数据完成对应的资源转移（S208）。

Description

资源转移方法、装置、计算机设备及存储介质
本申请要求于2018年05月09日提交中国专利局、申请号为201810436511.6、发明名称为“资源转移方法、装置、计算机设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机处理技术领域，特别是涉及一种资源转移方法、装置、计算机设备及存储介质。
背景技术
随着互联网的发展，越来越多的人采用第三方支付软件进行付款，传统的采用支付软件进行付款往往采用的是扫描二维码进行支付。最近提出了一种基于近场通信(比如，NFC)的付款方式。
发明内容
本申请实施例提出了一种效率高的资源转移方法、装置、计算机设备及存储介质。
一种资源转移方法，所述方法由终端执行，包括：
当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
根据所述应用标识选择请求获取目标资源转移应用标识；
获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
一种资源转移装置，所述装置包括：
标识请求接收模块，用于当终端处于资源转移交互设备的识别范围内时， 通过近场通信接收资源转移交互设备发送的应用标识选择请求；
标识获取模块，用于根据所述应用标识选择请求获取目标资源转移应用标识；
报文生成模块，用于获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
返回模块，用于返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
一种计算机设备，包括存储器和处理器，所述存储器存储有计算机程序，所述计算机程序被所述处理器执行时，使得所述处理器执行以下步骤：
当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
根据所述应用标识选择请求获取目标资源转移应用标识；
获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
一种计算机可读存储介质，存储有计算机程序，所述计算机程序被处理器执行时，使得所述处理器执行以下步骤：
当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
根据所述应用标识选择请求获取目标资源转移应用标识；
获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
附图简要说明
图1为一个实施例中资源转移方法的应用环境图；
图2为一个实施例中资源转移方法的流程图；
图3为一个实施例中生成应用标识选择响应报文的流程图；
图4为一个实施例中乘车记录的界面示意图；
图5为一个实施例中资源转移方法的流程示意图；
图6为一个实施例中资源转移交互设备与终端进行交互的时序图；
图7为另一个实施例中资源转移方法的流程图；
图8为一个实施例中资源转移装置的结构框图；
图9为另一个实施例中资源转移装置的结构框图；
图10为又一个实施例中资源转移装置的结构框图；
图11为再一个实施例中资源转移装置的结构框图；
图12为还一个实施例中资源转移装置的流程图；
图13为一个实施例中计算机设备的内部结构图。
实施本发明的方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
图1为一个实施例中资源转移方法的应用环境图。参照图1，该资源转移方法应用于近场通信的系统。该近场通信的系统包括资源转移交互设备110和终端120。资源转移交互设备110和终端120通过近场通信(比如，NFC通信)进行通信，资源转移交互设备110可以是任意支持近场通信的用于实现资源转移的设备，比如，可以是公共交通工具的收款设备、也可以是超市的收款设备等。终端120具体可以是移动终端，移动终端具体可以是手机、平板电脑、笔记本电脑等中的至少一种。当终端120处于资源转移交互设备110的识别范围内时，资源转移交互设备110通过近场通信向终端120发送应用标识选择请求， 终端120接收应用标识选择请求后，根据应用标识选择请求获取目标资源转移应用标识，获取与目标资源转移应用标识对应的资源转移数据，根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文，资源转移数据位于应用标识选择响应报文的自定义字段，返回应用标识选择响应报文至资源转移交互设备110，资源转移交互设备110用于根据目标资源转移应用标识和资源转移数据完成对应的资源转移。
如图2所示，在一个实施例中，提供了一种资源转移方法，由终端执行。该资源转移方法具体包括如下步骤：
步骤S202，当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求。
其中，资源转移交互设备是指支持近场通信的用于实现资源转移的设备，比如，可以是公共交通工具的收款设备、也可以是超市的收款设备等。近场通信又称“近距离无线通信”，是一种短距离的高频无线通信技术，允许电子设备之间进行非接触式点对点数据传输。常见的近场通信包括NFC(Near Field Communication)通信、蓝牙通信等。应用标识选择请求是指资源转移交互设备向靠近它的终端发送的指令，用于获取接下来要使用的应用标识(application identifier，AID)，应用标识用于唯一标识一个应用，应用标识是由注册的应用提供商标识(Registered Application Provider Identifier，RID)和专用应用标识符扩展(Proprietary Application Identifier Extension，PIX)组成的。资源转移交互设备的识别范围是指资源转移交互设备的近场通信所能够覆盖的距离范围。
步骤S204，根据应用标识选择请求获取目标资源转移应用标识。
其中，终端接收到资源转移交互设备的应用标识选择请求后，选择接下来要使用的目标资源转移应用标识。资源转移应用标识可分为借记卡应用标识、贷记卡应用标识、电子现金应用标识、二维码应用标识等。选择应用标识的作用是用于指明进行后续资源转移交互的具体应用。这里的目标资源转移应用标识是由终端选定的接下来用于资源转移交互的应用。比如，假设选定的目标资源转移应用标识为二维码应用标识，那么接下来交互的数据为二维码应用标识对应的二维码数据。
步骤S206，获取与目标资源转移应用标识对应的资源转移数据，根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文，资源转 移数据位于应用标识选择响应报文的自定义字段。
其中，资源转移数据是指用于进行资源转移的目标数据，包括：用于扣款的用户账号。用于扣款的用户账号可以与目标资源转移应用的用户账号关联或者相同。应用标识选择响应报文是指终端根据应用标识选择请求返回的报文。传统的应用标识选择响应报文的作用只是用来传输终端选定的应用标识。而本申请实施例中，终端除了传输选定的目标资源转移应用标识，还用于传输与目标资源转移应用标识对应的资源转移数据。具体地，终端将资源转移数据添加至应用标识选择响应报文的自定义字段，生成包括有资源转移数据的应用标识选择响应报文。这样后续终端返回应用标识选择响应报文时，就可以将资源转移数据传输给资源转移交互设备，从而实现了快速将资源转移数据传输给资源转移交互设备，有利于提高资源转移的效率。
步骤S208，返回应用标识选择响应报文至资源转移交互设备，资源转移交互设备用于根据目标资源转移应用标识和资源转移数据完成对应的资源转移。
其中，资源转移交互设备用于根据接收到的资源转移数据完成对应的从用户账号中的资源转移。终端根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文后，将应用标识选择响应报文返回至资源转移交互设备。相对于原来的资源转移交互设备接收到应用标识响应报文后，才开始发起读取资源转移数据请求的方式，该直接将资源转移数据添加至应用标识选择响应报文返回给资源转移交互设备的方式，实现了快速将资源转移数据传输到资源转移交互设备的目的，从而提高了资源转移的效率。
上述资源转移方法，当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求，然后获取目标资源转移应用标识和对应的资源转移数据，继而将资源转移数据添加至应用标识选择响应报文中的自定义字段，这样返回应用标识选择响应报文时，就可以将资源转移数据传输给资源转移交互设备，实现了快速将资源转移数据传输给资源转移交互设备，提高了资源转移的效率。
如图3所示，在一个实施例中，自定义字段包括第一自定义字段和第二自定义字段，根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文包括：
步骤S206A，判断资源转移数据是否大于预设长度，若是，则进入步骤 S206B，若否，则进入步骤S206C。
其中，终端判断资源转移数据的长度是否大于预设长度(比如，10字节)，若是，则需要将资源转移数据分为第一分段数据和剩余数据，第一分段数据是指资源转移数据中前面的预设长度的数据，剩余数据是指除了第一分段数据以外的数据。比如，假设预设长度为10字节，假设资源转移数据有18字节，那么将资源转移数据的前10字节作为第一分段数据，将剩下的8字节作为剩余数据。若资源转移数据不大于预设长度，则直接将全部资源转移数据添加至第一自定义字段。
步骤S206B，将资源转移数据分为第一分段数据和剩余数据，将第一分段数据添加至第一自定义字段，获取剩余数据对应的数据长度，将数据长度添加至应用标识选择响应报文的第二自定义字段。
其中，当资源转移数据大于预设长度时，终端将资源转移数据分为两个部分，一个是第一分段数据，一个是剩余数据。获取剩余数据的数据长度。将第一分段数据添加至应用标识选择响应报文的第一自定义字段，将剩余数据的数据长度添加至应用标识选择响应报文的第二自定义字段。
步骤S206C，直接将资源转移数据添加至第一自定义字段。
其中，当资源转移数据不大于预设长度时，终端直接将资源转移数据添加至应用标识选择响应报文的第一自定义字段。
在一个实施例中，第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识，该文件标识例如可以是终端接收到资源转移交互设备发送的资源转移环境选择请求时，从资源转移环境选择请求中获取的，具体可参见下文的描述；上述资源转移方法还包括：终端接收所述资源转移交互设备发送的读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文件标识对应的文件中。
其中，第二自定义字段中除了包含有剩余数据的长度，还包括资源转移交互设备中用于存储剩余数据的文件标识，文件标识用于唯一标识一个文件，即第二自定义字段中还包括指定后续将剩余数据存储到资源转移交互设备中的哪个文件的文件标识。资源转移交互设备接收到应用标识选择响应报文后，读取第二自定义字段中的剩余数据的长度，如果剩余数据长度不为0，则向终端发送读取剩余数据的请求。终端接收到资源转移交互设备发送的读取剩余数据的 请求后，将剩余数据传输到资源转移交互设备，资源转移交互设备将接收到的剩余数据存储到上述文件标识对应的文件中。
在一个实施例中，应用标识(AID)选择响应报文的结构如表1所示。
表1
Figure PCTCN2019082426-appb-000001
其中，上述AID选择响应报文中的9F46和9F47标签分别代表第一自定义字段和第二自定义字段。M(Mandatory)表示必选，O(Optional)表示可选。DF(Dedicated File)名为专用文件名称。PDO指处理选项数据对象列表(Processing Options Data Object List)。如果要传输的资源转移数据不大于预设长度，终端使用AID选择响应报文就可以传输完毕，如果传输的资源转移数据大于预设长度，则终端需要在9F47标签中包含剩余数据的长度和后续用于存储剩余数据的二进制文件名。当资源转移交互设备接收到终端发回的AID选择响应报文后，通过读取其中的9F47标签中的剩余数据的长度，判断剩余数据的长度大于0时，则发起读取剩余数据的请求指令，之后，在接收到终端根据读取剩余数据的请求发送的剩余数据后，将读取到的剩余数据存储到二进制文件名对应的文件中。在一个实施例中，资源转移交互设备读取剩余数据的请求的命令报文的格式如表2所示。
表2
Figure PCTCN2019082426-appb-000002
Figure PCTCN2019082426-appb-000003
其中，CLA表示指令类型；INS表示指令类型的指令码；P1，P2表示命令参数；Lc表示数据域Data长度，该长度不可以超过239字节；Data表示数据域或应答数据域；Le表示要返回数据的长度。表2中的XX代表可变值。在一个实施例中，用一个读取剩余数据的请求的命令报文，00B0100101010F08来举例。其中，00表示CLA，B0表示INS，P1的高三位为100，低五位为文件标识符，代表10101这个文件，0F表示从10101这个文件的开始偏移16个字节的位置开始读取后续数据，08表示从0F字节位置开始往后读取8个字节。因此，所述读取剩余数据的请求的命令报文解释为：从10101这个文件的第0F个字节开始，往后取8个字节返回。
终端返回的与所述读取剩余数据的请求相应的响应报文例如为：传输数据内容+9F47+04+二进制文件名+余项长度。其中，传输数据内容为剩余数据，04是指相应的指令类型。二进制文件名是指用于存储所述剩余数据的文件名。由于每次传输的数据长度有限，如果剩余数据的长度大于最大传输长度，终端还需要将剩余数据再继续分为两个部分。同样的，终端会将本次传输后剩余的数据的“余项长度”传输，便于资源转移交互设备下一次继续读取剩下的数据，直到余项长度为0，停止读取。
在一个实施例中，上述资源转移方法还包括：接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据可以包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种，将所述资源转移记录数据存储。
其中，为了在终端也能保留资源转移记录数据，使得资源转移交互设备在接收完资源转移数据后，向终端返回资源转移记录数据。终端接收资源转移交互设备回写的资源转移记录数据，然后进行存储。为了存储安全，在一个实施例中，终端接收到资源转移记录数据后，将资源转移记录数据进行加密存储。由于回写资源转移记录数据是通过近场通信的方式，所以在没有网络的情况下也可以实现资源转移记录数据的回写。在一个实施例中，是通过终端中的子应用程序与资源转移交互设备进行交互的，将终端接收到的资源转移记录数据存储到子应用程序对应的目录下。相对于传统的需要依赖于实体卡才能进行回写 的方式，本申请实施例中实现了将数据回写到终端中的子应用程序，即实现了将数据回写到虚拟卡。
在一个实施例中，当终端存在网络时，终端可以将资源转移记录数据上传到子应用程序对应的服务器，便于后续服务器根据收集到的资源转移记录数据进行用户行为分析。比如，统计一天内用户发生资源转移记录数据的次数，如果超过预设次数，则可能是恶意的资源转移。
在一个乘车应用环境的实施例中，上述资源转移交互设备为公共交通工具的收款设备。为了缩短终端与公共交通工具的收款设备之间的交互时间，可以设计一种满足记录乘车环境信息的最小数据量的数据结构，以此数据结构来回写数据。在一个实施例中，设计的数据结构如表3所示：
表3
Figure PCTCN2019082426-appb-000004
上述形成的数据结构是公共交通工具的收款设备传送给终端的最小结构，用于记录乘车信息。上述资源转移方法适用于任何进行资源转移的场景。
在一个实施例中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当所述公共交通工具的收款设备为终止收款设 备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
其中，在乘车应用的环境中，资源转移交互设备为公共交通工具的收款设备，目标资源转移应用标识为二维码应用标识，相应的资源转移数据为二维码资源转移数据。对于像地铁一样需要进站和出站信息才能确定具体扣费金额的，需要将公共交通工具的收款设备分为起始收款设备和终止收款设备。当公共交通工具的收款设备为起始收款设备时，资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当公共交通工具的收款设备为终止收款设备时，资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。通过将资源转移记录数据回写到终端，便于用户可以查看每次的乘车记录。在一个实施例中，对于像一般公交一样上车就可以确定收费金额的，相应的资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间和乘车金额。适用于各个城市的乘车。如图4所示为一个实施例中，终端显示乘车记录的界面示意图。
在一个物品交易的应用场景中，上述资源转移交互设备为商家的收款设备。相应的资源转移记录数据包括：购买时间，购买地点，物品信息，物品金额等。
在一个实施例中，通过子应用程序接收资源转移交互设备发送的应用标识选择请求并完成所述接收资源转移交互设备发送的应用标识选择请求之后的步骤，所述子应用程序运行于母应用程序提供的环境中。
其中，终端具体是通过终端上的子应用程序与资源转移交互设备进行交互的，子应用程序运行于终端上的母应用程序提供的环境中。母应用程序是承载子应用程序的应用程序，为子应用程序的实现提供环境。母应用程序是原生应用程序。原生应用程序是可直接运行于操作系统的应用程序。母应用程序可以是社交应用程序、专门支持子应用程序的专用应用程序、文件管理应用程序、邮件应用程序或者游戏应用程序等。
通过子应用程序接收资源转移交互设备发送的应用标识选择请求，子应用程序根据应用标识选择请求获取目标资源转移应用标识，子应用程序获取与目 标资源转移应用标识对应的资源转移数据，然后根据目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，资源转移数据位于应用标识选择响应报文的自定义字段，子应用程序返回应用标识选择响应报文至资源转移交互设备，资源转移交互设备用于根据目标资源转移应用标识和资源转移数据完成对应的资源转移。
在一个实施例中，在所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：检测所述终端是否支持近场通信，如果是，则进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求的步骤，否则所述终端生成二维码，所述二维码携带二维码资源转移数据。
其中，考虑到有些终端可能不支持近场通信，此时资源转移交互设备可以通过扫描终端中的二维码来获取资源转移数据。传统的选择方式是需要用户手动选择使用哪种资源转移方式，而本申请实施例中提出通过检测终端是否支持近场通信进行自动选择，若支持近场通信，则使用近场通信的交互方式，进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求，如果不支持，则使用二维码的交互方式，终端生成二维码，该二维码携带有二维码资源转移数据，资源转移交互设备通过扫描该二维码即可获取到相应的二维码资源转移数据。
在一个实施例中，近场通信是通过调用HCE服务来实现的，HCE(Host-based card emulation，基于主机的卡模拟)是通过终端中上的应用来模拟一张卡片，采用该模拟卡与外部的资源转移交互设备进行交互。实现了在无硬件的安全元件(Secure Element，SE)的情况下，仍然可以安全的进行数据交互。在一个实施例中，近场通信是通过终端中的子应用程序调用HCE服务的API(接口)来实现的。其中，子应用程序是指依赖于母应用程序提供运行环境的程序，母应用程序是承载子应用程序的应用程序，为子应用程序的实现提供环境。母应用程序是原生应用程序。原生应用程序是可直接运行于操作系统的应用程序。母应用程序可以是社交应用程序、专门支持子应用程序的专用应用程序、文件管理应用程序、邮件应用程序或者游戏应用程序等。
在另一个实施例中，近场通信还可以采用下面的方式来实现：使用SWP SIM卡((Single Wire Protocol Subscriber Identity Module，一种新规格的SIM卡)作为数据的安全存储设备，将卡号和密码存放在SWP SIM卡中，通过卡上的C6接脚与NFC控制器连接，这种方式不需要使用HCE模拟虚拟卡，直接将卡号和密码等关键信息存储在SWP SIM卡中。
如图5所示，为一个实施例中资源转移的流程示意图。首先，当终端开始运行子应用程序时，子应用程序检测终端是否支持NFC功能，如果不支持NFC功能，直接生成二维码，使用二维码来传输资源转移数据。如果支持NFC功能，子应用程序判断当前是否已开启NFC，如果没有开启NFC功能，则弹出提示框，提示用户去进行系统设置，开启NFC功能。当判断开启NFC功能后，子应用程序初始化NFC资源转移环境，然后等待接收外部的资源转移交互设备发送的请求，根据请求与资源转移交互设备进行交互，判断是否交互完毕，若是，说明完成了资源转移数据的传输，然后接收资源转移交互设备发送的资源转移记录数据，将接收到的数据加密存储到子应用程序对应的目录下。
在一个实施例中，所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：通过近场通信接收资源转移交互设备发送的资源转移环境选择请求；根据所述资源转移环境选择请求确定目标资源转移环境；所述根据所述应用标识选择请求获取目标资源转移应用标识包括：从目标资源转移环境对应的目标资源转移环境目录下选取得到所述目标资源转移应用标识。
其中，在通过近场通信进行交互时，首先进行资源转移环境的选择。终端通过近场通信接收资源转移交互设备发送的资源转移环境选择请求，资源转移环境选择请求用于获取终端选择的目标资源转移环境。之后，终端在目标资源转移环境对应的目标资源转移环境目录下选取得到目标资源转移应用标识。
在一个实施例中，在选择资源转移环境时，资源转移环境选择请求指令中使用的选择指令是选择文件SELECT指令。SELECT指令通过文件名、文件标识符或选择一个应用来选择终端上相应的文件来实现资源转移环境的设定，如，选择主文件(Master File，MF)、包含下级目录的目录定义文件(Directory Definition File，DDF)、不包含下级目录的应用定义文件 (Application Definition File，ADF)。DDF是个目录入口,它下面可以有ADF，也可以有DDF。ADF用ADF名来标识应用，ADF名也就是AID，一个AID代表一个应用。
在一个实施例中，资源转移环境选择请求的命令报文如表4所示：
表4
Figure PCTCN2019082426-appb-000005
其中，CLA表示指令类型；INS表示指令类型的指令码；P1，P2表示命令参数；Lc表示数据域Data长度，该长度不可以超过239字节；Data表示数据域或应答数据域；Le表示要返回数据的长度，Le为00时表示返回的是最大数据长度，该长度不可超过239字节。
当终端收到资源转移交互设备发送的资源转移环境选择请求之后，先判断00A4代表SELECT指令，确定需要选择具体的目录或者文件名；接着判断P1，如果是00表示此次请求需要选择文件，具体选择的文件名由Data来确定，明确请求含义后，终端判断终端内部是否存在所述文件名指明的文件，如果存在，则向资源转移交互设备发送代表文件存在的响应报文，如果不存在，则向资源转移交互设备发送代表文件不存在的响应报文。同理，如果P1是04，表示要选择Data中描述的目录。在明确请求含义后，终端判断终端内部是否存在所述Data中指明的目录，如果有这个目录，则终端向资源转移交互设备发送代表目录存在的响应报文，如果不存在这个目录，则终端向资源转移交互设备发送代表目录不存在的响应报文。
终端向资源转移交互设备发送的与资源转移环境选择请求相应的响应报文由回送文件控制信息(FCI)组成，如表5中所示：
表5
Figure PCTCN2019082426-appb-000006
从此表结合前文的各表可知，资源转移交互过程中的响应报文开头都是6F，接着是84或者A5。84的值表示固定的2PAY.SYS.DDF01，此时终端返回的报文例如是6F840E2PAY.SYS.DDF01。如果是A5，则终端判断其上是否存在FCI专用模板，如果没有FCI专用模板，则响应报文是6F04A500；如果有FCI专用模板，则在A5后面需要有BF0C，接着终端判断其上是否存在FCI发卡机构自定义数据，如果没有FCI发卡机构自定义数据，则响应报文是6F0AA506BF0C00；如果有FCI发卡机构自定义数据，表示终端上存在希望选择的目录或者文件，BF0C后面的61标签可以存在多组，每组都描述了目录中的详细信息。以6F1EA51ABF0C14610411014F0810010101为例，6F标签后存在数据，长度是1E(10进制就是30个字节)个字节，A5表示后续有FCI专用模板数据，长度是1A(10进制就是26个字节)个字节，BF0C表示后续有FCI发卡机构自定义数据，长度为14(10进制就是20个字节)个字节，然后由61标签，描述了目录入口，目录名长度是4个字节，目录名是1101，在1101这个目录下，有文件，因此用4F标签表示，文件名长8个字节，文件名是10010101。
在选择应用标识时，资源转移交互设备发出的应用标识选择请求的命令报文与表4中的结构一致，其中，选择资源转移环境的请求用于选择目标资源转移环境目录，而应用标识选择请求是用于选择在该目标资源转移环境目录下的具体应用标识，因此，应用AID文件可以看作是资源转移环境目录下的一个文件，是树状结构。
如图6所示，为一个实施例中，资源转移交互设备与终端进行交互的时序图。首先，资源转移交互设备向终端发送资源转移环境的选择指令(请求)，终端返回资源转移环境的响应报文，该资源转移环境的响应报文中包含有选定的资源转移环境。然后资源转移交互设备向终端发送应用标识的选择指令，终端返回应用标识的响应报文，该响应报文中包含有选择的目标资源转移应用标识和资源转移数据。若还有剩余的资源转移数据，则资源转移交互设备向终端发送读取剩余资源转移数据的请求，终端返回资源转移数据的响应报文，响应报文中包含有剩余的资源转移数据。最后，资源转移交互设备发送资源转移记录数据到终端，终端接收到资源转移记录后进行存储，并返回接收成功的响应报文。在一个实施例中，选择指令的命令报文和返回的响应报文采用TLV(Tag，Length，Value)格式进行传输。其中，Tag用来标识不同的指令，Length指明指令后续的Value的长度，Value表示具体的值。
如图7所示，在一个实施例中，提出了一种资源转移方法，具体包括以下步骤：
步骤S601，检测终端是否支持近场通信，如果是，则进入步骤S603，若否，进入步骤S602。
步骤S602，生成二维码，二维码携带资源转移数据。
步骤S603，当终端处于资源转移交互设备的识别范围内时，子应用程序通过近场通信接收资源转移交互设备发送的资源转移环境选择请求，子应用程序运行于母应用程序提供的环境中。
步骤S604，根据资源转移环境选择请求确定目标资源转移环境。
步骤S605，通过近场通信接收资源转移交互设备发送的应用标识选择请求。
步骤S606，从目标资源转移环境对应的目标资源转移环境目录下选取得到目标资源转移应用标识。
步骤S607，获取与目标资源转移应用标识对应的资源转移数据，根据目标资源转移应用标识和资源转移数据生成对应的应用标识选择响应报文，资源转移数据位于应用标识选择响应报文的自定义字段；
步骤S608，返回应用标识选择响应报文至资源转移交互设备，资源转移交互设备用于根据目标资源转移应用标识和资源转移数据完成对应的资源转移。
步骤S609，接收资源转移交互设备返回的资源转移记录数据，资源转移记录数据包括资源转移位置信息、资源转移数值、资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；
步骤S610，将资源转移记录数据存储。
上述的步骤S601至S610可以是由子应用程序执行的。
如图8所示，在一个实施例中，提出了一种资源转移装置，该装置包括：
标识请求接收模块802，用于当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
标识获取模块804，用于根据所述应用标识选择请求获取目标资源转移应用标识；
报文生成模块806，用于获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
返回模块808，用于返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
在一个实施例中，所述自定义字段包括第一自定义字段和第二自定义字段，所述报文生成模块806还用于当所述资源转移数据大于预设长度时，将所述资源转移数据分为第一分段数据和剩余数据；将所述第一分段数据添加至所 述第一自定义字段；获取所述剩余数据对应的数据长度，将所述数据长度添加至所述应用标识选择响应报文的第二自定义字段。
如图9示，在一个实施例中，所述第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识；上述资源转移装置还包括：
数据传输模块807，用于接收所述资源转移交互设备发送的读取剩余数据的请求，根据所述读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文本标识对应的文件中。
如图10所示，在一个实施例中，上述资源转移装置还包括：
记录数据接收模块810，用于接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；
存储模块812，用于将所述资源转移记录数据存储。
在一个实施例中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当所述公共交通工具的收款设备为终止收款设备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
在一个实施例中，所述装置的执行主体为终端中的子应用程序。通过子应用程序接收资源转移交互设备发送的应用标识选择请求并完成所述接收资源转移交互设备发送的应用标识选择请求之后的步骤，所述子应用程序运行于母应用程序提供的支付环境中。
如图11所示，在一个实施例中，在所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：
检测模块801，用于检测所述终端是否支持近场通信，如果是，则进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互 设备发送的应用标识选择请求的步骤，否则所述终端生成二维码，所述二维码携带二维码资源转移数据。
如图12所示，在一个实施例中，所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：
环境请求接收模块814，用于通过近场通信接收资源转移交互设备发送的资源转移环境选择请求；
确定模块816，用于根据所述资源转移环境选择请求确定目标资源转移环境；
所述标识获取模块804还用于从目标资源转移环境对应的目标资源转移环境目录下选取得到所述目标资源转移应用标识。
图13示出了一个实施例中计算机设备的内部结构图。该计算机设备具体可以是终端。如图13所示，该计算机设备包括通过系统总线连接的处理器、存储器和网络接口。其中，存储器包括非易失性存储介质和内存储器。该计算机设备的非易失性存储介质存储有操作系统，还可存储有计算机程序，该计算机程序被处理器执行时，可使得处理器实现资源转移装置。该内存储器中也可储存有计算机程序，该计算机程序被处理器执行时，可使得处理器执行资源转移装置。本领域技术人员可以理解，图13中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，本申请提供的资源转移装置可以实现为一种计算机程序的形式，计算机程序可在如图13所示的计算机设备上运行。计算机设备的存储器中可存储组成该资源转移装置的各个程序模块，比如，标识请求接收模块802、标识获取模块804、报文生成模块806和返回模块808。各个程序模块构成的计算机程序使得处理器执行本说明书中描述的本申请各个实施例的资源转移装置中的步骤。例如，图13所示的计算机设备可以通过如图8所示的资源转移装置的标识请求接收模块802通过近场通信接收资源转移交互设备发送的应用标识选择请求；通过标识获取模块804根据所述应用标识选择请求获取目标 资源转移应用标识；通过报文生成模块806获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；通过返回模块808返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
在一个实施例中，提出了一种计算机设备，包括存储器和处理器，所述存储器存储有计算机程序，所述计算机程序被所述处理器执行时，使得所述处理器执行以下步骤：当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；根据所述应用标识选择请求获取目标资源转移应用标识；获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
在一个实施例中，所述自定义字段包括第一自定义字段和第二自定义字段，所述根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文包括：当所述资源转移数据大于预设长度时，将所述资源转移数据分为第一分段数据和剩余数据；将所述第一分段数据添加至所述第一自定义字段；获取所述剩余数据对应的数据长度，将所述数据长度添加至所述应用标识选择响应报文的第二自定义字段。
在一个实施例中，所述第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识；所述计算机程序还使得所述处理器执行如下步骤：接收所述资源转移交互设备发送的读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文本标识对应的文件中。
在一个实施例中，所述计算机程序还使得所述处理器执行如下步骤：接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；将所述资源转移记录数据存储。
在一个实施例中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当所述公共交通工具的收款设备为终止收款设备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
在一个实施例中，在所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，所述计算机程序还使得所述处理器执行如下步骤：检测所述终端是否支持近场通信，如果是，则进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求的步骤，否则所述终端生成二维码，所述二维码携带二维码资源转移数据。
在一个实施例中，所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，所述计算机程序还使得所述处理器执行如下步骤：通过近场通信接收资源转移交互设备发送的资源转移环境选择请求；根据所述资源转移环境选择请求确定目标资源转移环境；所述根据所述应用标识选择请求获取目标资源转移应用标识包括：从目标资源转移环境对应的目标资源转移环境目录下选取得到所述目标资源转移应用标识。
在一个实施例中，提出了一种计算机可读存储介质，存储有计算机程序，所述计算机程序被处理器执行时，使得所述处理器执行以下步骤：当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；根据所述应用标识选择请求获取目标资源转移应用标识；获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；返回所述应用标 识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
在一个实施例中，所述自定义字段包括第一自定义字段和第二自定义字段，所述根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文包括：当所述资源转移数据大于预设长度时，将所述资源转移数据分为第一分段数据和剩余数据；将所述第一分段数据添加至所述第一自定义字段；获取所述剩余数据对应的数据长度，将所述数据长度添加至所述应用标识选择响应报文的第二自定义字段。
在一个实施例中，所述第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识；所述计算机程序还使得所述处理器执行如下步骤：接收所述资源转移交互设备发送的读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文本标识对应的文件中。
在一个实施例中，所述计算机程序还使得所述处理器执行如下步骤：接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；将所述资源转移记录数据存储。
在一个实施例中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当所述公共交通工具的收款设备为终止收款设备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
在一个实施例中，在所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，所述计算机程序还使得所述处理器执行如下步骤：检测所述终端是否支持近场通信，如果是，则进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求的步骤，否则所述终端生成二维码，所述二维码携带二维码资源转移数据。
在一个实施例中，所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，所述计算机程序还使得所述处理器执行如下步骤：通过近场通信接收资源转移交互设备发送的资源转移环境选择请求；根据所述资源转移环境选择请求确定目标资源转移环境；所述根据所述应用标识选择请求获取目标资源转移应用标识包括：从目标资源转移环境对应的目标资源转移环境目录下选取得到所述目标资源转移应用标识。
本领域普通技术人员可以理解实现上述实施例装置中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一非易失性计算机可读取存储介质中，该程序在执行时，可包括如上述各装置的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对本申请专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (15)

  1. 一种资源转移方法，由终端执行，所述方法包括：
    当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
    根据所述应用标识选择请求获取目标资源转移应用标识；
    获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
    返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
  2. 根据权利要求1所述的方法，其中，所述自定义字段包括第一自定义字段和第二自定义字段，所述根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文包括：
    当所述资源转移数据大于预设长度时，将所述资源转移数据分为第一分段数据和剩余数据；
    将所述第一分段数据添加至所述第一自定义字段；
    获取所述剩余数据对应的数据长度，将所述数据长度添加至所述应用标识选择响应报文的第二自定义字段。
  3. 根据权利要求2所述的方法，其中，所述第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识；
    所述方法还包括：
    接收所述资源转移交互设备发送的读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文本标识对应的文件中。
  4. 根据权利要求1所述的方法，其中，所述方法还包括：
    接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；
    将所述资源转移记录数据存储。
  5. 根据权利要求4所述的方法，其中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；
    当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；
    当所述公共交通工具的收款设备为终止收款设备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
  6. 根据权利要求1所述的方法，其中，通过子应用程序接收资源转移交互设备发送的应用标识选择请求并完成所述接收资源转移交互设备发送的应用标识选择请求之后的步骤，所述子应用程序运行于母应用程序提供的支付环境中。
  7. 根据权利要求1所述的方法，其中，在所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：
    检测所述终端是否支持近场通信，如果是，则进入当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求的步骤，否则所述终端生成二维码，所述二维码携带二维码资源转移数据。
  8. 根据权利要求1所述的方法，其中，所述通过近场通信接收资源转移交互设备发送的应用标识选择请求之前，还包括：
    通过近场通信接收资源转移交互设备发送的资源转移环境选择请求；
    根据所述资源转移环境选择请求确定目标资源转移环境；
    所述根据所述应用标识选择请求获取目标资源转移应用标识包括：
    从目标资源转移环境对应的目标资源转移环境目录下选取得到所述目标资源转移应用标识。
  9. 一种资源转移装置，所述装置包括：
    标识请求接收模块，用于当终端处于资源转移交互设备的识别范围内时，通过近场通信接收资源转移交互设备发送的应用标识选择请求；
    标识获取模块，用于根据所述应用标识选择请求获取目标资源转移应用标识；
    报文生成模块，用于获取与所述目标资源转移应用标识对应的资源转移数据，根据所述目标资源转移应用标识和所述资源转移数据生成对应的应用标识选择响应报文，所述资源转移数据位于所述应用标识选择响应报文的自定义字段；
    返回模块，用于返回所述应用标识选择响应报文至所述资源转移交互设备，所述资源转移交互设备用于根据所述目标资源转移应用标识和所述资源转移数据完成对应的资源转移。
  10. 根据权利要求9所述的装置，其中，所述自定义字段包括第一自定义字段和第二自定义字段，所述报文生成模块还用于当所述资源转移数据大于预设长度时，将所述资源转移数据分为第一分段数据和剩余数据；将所述第一分段数据添加至所述第一自定义字段；获取所述剩余数据对应的数据长度，将所述数据长度添加至所述应用标识选择响应报文的第二自定义字段。
  11. 根据权利要求10所述的装置，其中，所述第二自定义字段中还包括：所述资源转移交互设备中用于存储所述剩余数据的文件标识；所述装置还包括：
    数据传输模块，用于接收所述资源转移交互设备发送的读取剩余数据的请求，将所述剩余数据传输到所述资源转移交互设备，所述资源转移交互设备用于将接收到的剩余数据存储到所述文本标识对应的文件中。
  12. 根据权利要求9所述的装置，其中，所述装置还包括：
    记录数据接收模块，用于接收所述资源转移交互设备返回的资源转移记录数据，所述资源转移记录数据包括资源转移位置信息、资源转移数值、所述资源转移交互设备对应的设备标识、资源转移时间信息中的至少一种；
    存储模块，用于将所述资源转移记录数据存储。
  13. 根据权利要求12所述的装置，其中，所述资源转移交互设备为公共交通工具的收款设备，所述目标资源转移应用标识为二维码应用标识；当所述公共交通工具的收款设备为起始收款设备时，所述资源转移记录数据包括乘车起始位置信息、乘车起始收款设备标识、乘车起始时间；当所述公共交通工具的收款设备为终止收款设备时，所述资源转移记录数据包括乘车终止位置信息、乘车终止收款设备标识、乘车终止时间和乘车金额。
  14. 一种计算机可读存储介质，存储有计算机程序，所述计算机程序被处理器执行时，使得所述处理器执行如权利要求1至8中任一项所述装置的步骤。
  15. 一种计算机设备，包括存储器和处理器，所述存储器存储有计算机程序，所述计算机程序被所述处理器执行时，使得所述处理器执行如权利要求1至8中任一项所述装置的步骤。
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