WO2020057230A1 - 转账平台、转入或转出受理机构、计算机存储介质及执行方法 - Google Patents

转账平台、转入或转出受理机构、计算机存储介质及执行方法 Download PDF

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Publication number
WO2020057230A1
WO2020057230A1 PCT/CN2019/094677 CN2019094677W WO2020057230A1 WO 2020057230 A1 WO2020057230 A1 WO 2020057230A1 CN 2019094677 W CN2019094677 W CN 2019094677W WO 2020057230 A1 WO2020057230 A1 WO 2020057230A1
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Prior art keywords
transfer
transferee
mobile phone
payment
party
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PCT/CN2019/094677
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English (en)
French (fr)
Inventor
鲁志军
蒋海俭
刘刚
林晋任
徐一唯
章政
金可威
夏钦
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication of WO2020057230A1 publication Critical patent/WO2020057230A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Definitions

  • the invention relates to the field of transfer payment, and in particular, to a transfer platform, a transfer in / out acceptance institution, a computer storage medium, and an execution method.
  • mobile banking and online banking implement transfers and payments, and basically use bank card numbers as the main target identifier.
  • the process of transferring between bank cards using a bank client is as follows: first, the user enters the account name, card number, affiliated bank, and transfer amount of the transferee; then, the user verifies with a withdrawal password and / or mobile phone verification code; Then, if the transferee's bank successfully verifies the account name and payee account number, the transfer operation will be performed. Finally, after the transfer is successfully performed, the bank will record the account name and card number of the transferee. You can click on the subsequent transfer The recording method is automatically filled in.
  • the scheme of transferring funds by bank card number requires the transferring party to manually enter the transferring party's account name, bank card number, and affiliated bank in order to perform the transfer.
  • the inputting steps for the transferring party are too complicated.
  • the transferee needs to inform the complete bank card account information (including the card number), causing a certain degree of privacy leakage risk.
  • Chinese patent "Mobile Banking Processing Method, Device and System” (application number: CN201310389925.5) describes a method and system for transferring money using a mobile phone number.
  • the specific process is: (1) user A opens the application of the bank mentioned in the bank card, enters the transfer amount and the mobile phone number of the payee; (2) the payment bank freezes A's funds, and initiates a search request to the number management platform; 3) The number management platform searches all bank card accounts corresponding to the mobile phone number, and returns the search result to the payment bank, and user A decides the specific target account for the transfer; (4) If the target agrees to the transfer, the traditional transfer is used according to the target account information Process to transfer money.
  • the transfer-in party chooses the transfer-in account, which makes the platform need to inform the transfer-in party of the transfer-in bank's account information, causing unnecessary privacy leakage.
  • user funds are frozen when a transfer is initiated, so there may be potential funding risks.
  • the present invention provides a transfer platform, the platform includes: a first receiving device, configured to receive a transfer request from a transfer acceptance institution, the transfer request includes Transferee information and transfer amount, the transferee information includes the transferee's mobile phone number; a searching device for finding the payment device number associated with the transferee's mobile phone number according to the transferee's mobile phone number; And a first sending device, configured to send a transfer notification to a transfer acceptance agency corresponding to the payment device number to notify the transferee of receipt of the payment, the transfer notification including the payment device number and the transfer amount.
  • the transfer request further includes transfer party information.
  • the transferee information further includes a transferee name.
  • the payment device number is a mobile phone secure element identification number SEID.
  • the above-mentioned transfer platform further includes: a second receiving device, configured to receive debit card information from the transfer acceptance institution.
  • the above-mentioned transfer platform further includes: a second sending device for sending a real-name query request to a first bank to which the transferee bank card belongs; and a third receiving device for receiving a targeting request from the first bank A reply to a real-name query request, the reply including the cardholder name of the transfer-in bank card subjected to privacy processing; and a third sending device for sending the privacy-processed transfer-to party to the transfer-out acceptance agency The name of the bank card holder for confirmation by the transferring party.
  • the above-mentioned transfer platform further includes: an inquiry device for initiating an inquiry request to an operator to which the transferee mobile phone number belongs, so as to inquire the payment device number that activates the transferee mobile phone number; and setting And a setting device configured to set the transfer acceptance agency corresponding to the payment device number as a preferred notification according to the payment device number fed back by the operator.
  • the first sending device is configured to, when the search device finds out a plurality of payment device numbers associated with the mobile phone number of the transfer-in party, send the payment device numbers in a certain priority order.
  • a plurality of transfer acceptance agencies corresponding to the plurality of payment device numbers send a transfer notification.
  • a method executed by a transfer platform comprising: receiving a transfer request from a transfer-out accepting agency, the transfer request including the transfer-in party information and the transfer amount, the transfer-in party
  • the information includes the mobile phone number of the transferee party; finds the payment device number associated with the mobile phone number of the transferee party according to the mobile phone number of the transferee party; and sends a transfer notification to the transfer acceptance agency corresponding to the payment device number so that The transferee is notified to receive the payment, and the transfer notification includes the payment device number and the transfer amount.
  • the transfer request further includes transfer party information.
  • the transferee information further includes a transferee name.
  • the payment device number is a mobile phone secure element identification number SEID.
  • the above method may further include: receiving debit card information from the transfer acceptance institution.
  • the method may further include: sending a real-name query request to a first bank to which the transferee bank card belongs; and receiving a reply to the real-name query request from the first bank, the response including the privacy-processed The name of the cardholder of the transfer-in bank card; and the name of the cardholder of the transfer-in bank card that has undergone the privacy treatment to the transfer-out accepting agency for confirmation by the transfer-in party.
  • the method may further include: initiating a query request to an operator to which the transferee mobile phone number belongs, so as to query the payment device number that activates the transferee mobile phone number; and according to the operator feedback For the payment device number of, the transfer acceptance institution corresponding to the payment device number is set as a preferred notification.
  • a plurality of transfer devices corresponding to the plurality of payment device numbers are transferred according to a certain priority order.
  • the acceptance institution sends a transfer notification.
  • a transfer-out accepting agency includes: a sending device configured to send a transfer request to the aforementioned transfer platform, and the transfer request includes a transferee mobile phone number.
  • the transfer-out accepting agency further includes: receiving means for receiving a transfer-out request from a payment terminal associated with the transfer-out accepting agency, wherein the transfer-out request includes a transfer-out account ID, a transfer-out party The payment mark corresponding to the bank card, the transferee information, and the transfer amount, and the transferee information includes the transferee mobile phone number.
  • the above-mentioned transfer-out accepting agency further includes: verification means for finding a payment mark list corresponding to the account ID of the transferring party and comparing the payment mark list with the payment corresponding to the received transferring bank card The tags are compared to verify the authenticity of the account ID of the transferring party.
  • the transfer-out accepting agency further includes: a scoring device configured to perform a risk score on the transfer transaction based on at least the risk-related information in the transfer-out request.
  • a scoring device configured to perform a risk score on the transfer transaction based on at least the risk-related information in the transfer-out request.
  • the transfer-out accepting agency further includes: a searching device to find binding information corresponding to the mobile phone number of the transfer-in party.
  • the sending device is configured to notify the transfer-in party by itself when the search device finds the binding information.
  • a method executed by a transfer acceptance institution comprising: sending a transfer request to the aforementioned transfer platform, the transfer request including a mobile phone number of a transferee.
  • the method further includes: receiving a transfer request from a payment terminal associated with the transfer acceptance institution, wherein the transfer request includes transfer party information, transfer party information, and a transfer amount, and the transfer The information of the incoming party contains the mobile phone number of the incoming party.
  • the above method further includes: evaluating a risk level of the transferring-out party information through the internally stored information.
  • the method further includes: the transfer request further includes risk-related information, and the transfer accepting agency performs a risk score on the transfer transaction based on at least the risk-related information in the transfer request.
  • a transfer acceptance institution includes: a first receiving device for receiving a transfer notification from the aforementioned transfer platform, the transfer notification including a payment device number and a transfer Amount.
  • the transfer-in accepting agency further includes: a notification device, configured to notify the transfer-in party to receive the money.
  • the transfer-in accepting agency further includes: a second receiving device, configured to receive the selected transfer-card number from the transfer-in party.
  • a method implemented by a transfer acceptance institution comprising: receiving a transfer notification from the aforementioned transfer platform, the transfer notification including a payment device number and a transfer amount.
  • the above method further includes: notifying the transferee to receive money.
  • the method further includes: receiving the selected transfer card number from the transfer party.
  • a computer storage medium includes instructions, and when executed, the instructions are configured to execute the method of executing the transfer platform as described above, and the execution of the transfer acceptance institution as described above. Method or transfer to the method implemented by the receiving agency as described above.
  • the mobile phone number transfer scheme proposed by the present invention can reduce the transfer content that the user needs to enter, reduce the transfer time and communication cost, and improve the transfer efficiency.
  • the technical scheme of the present invention can support transfers between cross-payment platforms without the need for both parties to transfer to have an account of the same third-party payment provider.
  • the technical solution of the present invention allows the transferring party to select the account to be transferred during the transfer process without having to notify the transferring party each time, which is convenient and quick.
  • the account is selected by itself (protected by TOKEN technology) rather than the real card number is notified to the transferee, the privacy risk that may be caused by the leakage of the card number is avoided.
  • funds are actually transferred out after the second confirmation, thereby avoiding possible fund risks to the greatest extent.
  • FIG. 1 is a schematic structural diagram showing a transfer platform according to an embodiment of the present invention
  • FIG. 2 is a flowchart of a method performed by a transfer platform according to an embodiment of the present invention
  • FIG. 3 is a schematic diagram showing a structure of a transfer-out acceptance mechanism according to an embodiment of the present invention.
  • FIG. 4 is a flowchart showing a method executed by a transfer-out acceptance agency according to an embodiment of the present invention.
  • FIG. 5 is an overall flowchart of a system for transferring money using a mobile phone number according to an embodiment of the present invention.
  • FIG. 1 is a schematic diagram showing a structure of a money transfer platform according to an embodiment of the present invention.
  • the transfer platform 1000 includes a first receiving device 110, a searching device 120, and a first sending device 130.
  • the first receiving device 110 is configured to receive a transfer request from a transfer-out accepting agency.
  • the transfer request includes transfer-in party information and a transfer amount, and the transfer-in party information includes a transfer-in mobile phone number.
  • the searching device 120 is configured to search for a payment device number associated with the transferee mobile phone number according to the transferee mobile phone number.
  • the first sending device 130 is configured to send a transfer notification to a transfer acceptance institution corresponding to the payment device number so as to notify the transferee to receive the payment, and the transfer notification includes the payment device number and the transfer amount.
  • the transfer-out accepting agency may be a payment management platform to which the user's mobile phone belongs, and is used to provide a fund-out service for the user's mobile phone.
  • the transfer acceptance institution is used to provide a fund transfer service for the user's mobile phone.
  • the transfer request also includes the transferor information, such as the transferor account ID and the payment token corresponding to the transferor's bank card, which are not limited here. .
  • the transferee information in addition to the mobile phone number of the transferee, the transferee information also includes the transferee name.
  • the payment device number is a mobile phone secure element identification number SEID, which is a number equivalent to the device number.
  • the transfer platform 1000 may further include a second receiving device for receiving debit card information, such as a bank card number, a payment token, or a bank account, from the transfer acceptance institution. It is not limited here.
  • the above-mentioned transfer platform 1000 may further include: a second sending device for sending a real-name query request to a first bank to which the transferee bank card belongs; and a third receiving device for sending a A bank receives a response to a real-name query request, the response including the cardholder name of the transfer-in bank card that has undergone the privacy process; and a third sending device for transmitting the privacy-processed process to the transfer acceptance agency The name of the cardholder of the transferee's bank card for confirmation by the transferor.
  • the above-mentioned transfer platform 1000 may further include: a query device for initiating a query request to an operator to which the transferee mobile phone number belongs, so as to query and activate the payment device of the transferee mobile phone number And a setting device configured to set the transfer acceptance agency corresponding to the payment device number as a preferred notification based on the payment device number fed back by the operator.
  • the first sending device 130 is configured to, when the searching device 120 finds out a plurality of payment device numbers associated with the mobile phone number of the transfer-in party, send the phone numbers to the phone device according to a certain priority order.
  • the plurality of transfer receiving institutions corresponding to the plurality of payment device numbers send the transfer notification.
  • FIG. 2 is a flowchart illustrating a method executed by a transfer platform according to an embodiment of the present invention.
  • the method 2000 executed by the transfer platform includes the following steps: Step 210: Receive a transfer request from a transfer-out accepting agency, the transfer request including the transfer-in party information and the transfer amount, and the transfer-in party information includes the transfer-in Step mobile phone number; step 220, find the payment device number associated with the mobile phone number of the transferee according to the mobile phone number of the transferee; and step 230, send a transfer to the transfer acceptance agency corresponding to the payment device number
  • the notification is to notify the transferee to receive the payment, and the transfer notification includes the payment device number and the transfer amount.
  • the transfer request in addition to the transferee information and the transfer amount, also includes the transferor information, such as the transferor account ID and the payment token corresponding to the transferor's bank card. Not limited.
  • the transferee information in addition to the mobile phone number of the transferee, also includes the transferee name.
  • the payment device number is a mobile phone secure element identification number SEID, which is a number equivalent to the device number.
  • the above method may further include: receiving debit card information, such as a bank card number, a payment mark, or a bank account, from the transfer acceptance institution, which is not limited herein.
  • the above method 2000 may further include: sending a real name query request to the first bank to which the transferee bank card belongs; and receiving a real name query request from the first bank ,
  • the response includes the cardholder name of the transfer-in bank card that has undergone the privacy treatment; and the cardholder name of the transfer-in bank card that has undergone the privacy process to the transfer-out acceptance agency for Confirmation by the transferring party.
  • the above method 2000 may further include: initiating a query request to an operator to which the transferee mobile phone number belongs, so as to query the payment device number that activates the transferee mobile phone number; and according to the The payment device number fed back by the operator sets the transfer acceptance agency corresponding to the payment device number as a preferred notification.
  • a plurality of transfer-in acceptance agencies corresponding to the plurality of payment device numbers are sent in accordance with a certain priority order. Send a transfer notification.
  • Fig. 3 is a schematic diagram showing a structure of a transfer-out acceptance mechanism according to an embodiment of the present invention.
  • the transfer-out acceptance institution 3000 includes a receiving device 310, a verification device 320, and a sending device 330.
  • the receiving device 310 is configured to receive a transfer-out request from a payment terminal associated with the transfer-out accepting agency, where the transfer-out request includes an account ID of the transferor, a payment token corresponding to the bank card of the transfer-out party, and a transfer-in party Information and transfer amount, and the transferee information includes the transferee mobile phone number.
  • the verification device 320 is configured to verify the transferee account ID by looking up a payment tag list corresponding to the transferee account ID and comparing the payment marklist with a payment tag corresponding to the received transferor bank card. Authenticity.
  • the sending device 330 is configured to send a transfer request to a transfer platform (such as the transfer platform shown in FIG. 1), where the transfer request includes the mobile phone number of the transferee.
  • the transfer-out accepting institution 3000 further includes: a scoring device, configured to perform a risk score on the transfer transaction according to at least the risk-related information in the transfer-out request.
  • the transfer-out accepting institution 3000 further includes: a searching device that searches for binding information corresponding to the mobile phone number of the transfer-in party.
  • the sending device 330 is configured to notify the transferring party by itself when the searching device 320 finds the binding information.
  • FIG. 4 shows a flowchart of a method executed by a transfer-out acceptance organization according to an embodiment of the present invention.
  • the method 4000 executed by the transfer-out accepting agency includes step 410: receiving a transfer-out request from a payment terminal associated with the transfer-out accepting agency, wherein the transfer-out request includes the account ID of the transfer-out party, the transfer-out Payment token corresponding to the outgoing bank card, transferee information, and transfer amount, and the transferee information includes the mobile phone number of the transferee; step 420, by looking up the list of payment tags corresponding to the account ID of the transferor and The payment token list is compared with the received payment token corresponding to the transferee bank card to verify the authenticity of the transferor account ID; and step 430, a transfer request is sent to the transfer platform, and the transfer request includes all The transferee's mobile phone number is described.
  • the above method 4000 further includes: performing a risk score on the transfer transaction according to at least the risk-related information in the transfer request. In one embodiment, the above method 4000 further includes: finding binding information corresponding to the mobile phone number of the transferee. In one embodiment, when the binding information is found, the transferring party is notified by itself.
  • FIG. 5 is an overall flowchart of a system for transferring money using a mobile phone number according to an embodiment of the present invention.
  • a user presses a shortcut key on a mobile phone to quickly enter a mobile wallet interface, selects a bank card to be transferred (for example, 62 ** 8888), and clicks a transfer function, and selects it through an address book Payee and payee's mobile phone number (example: Zhang San 13888888888), enter the transfer amount (example: 100 yuan), and finally verify it with the fingerprint of the mobile Pay wallet.
  • the mobile Pay wallet initiates a transfer request to the management platform (hereinafter referred to as the transfer acceptance institution) of the mobile pay to which it belongs according to the information input and selected by the user.
  • the request information includes the account ID of the transferring party (such as example@test.com), the payment token corresponding to the bank card of the transferring party, that is, Token (example 6200123412341234), the transfer amount (100 yuan), and the information of the transferring party (Zhang San 13888888888 ), And risk-related information (On-Device Indicator).
  • the transfer-out accepting institution verifies the authenticity of the transferor's account ID through the internally stored binding information (for example, it searches for the corresponding account ID in the transfer-out accepting institution's database. Token list and compare it with the submitted Token), and perform a transaction risk score (assuming the evaluation result is low risk in this example).
  • the transfer acceptance institution sends a transfer notification request to the transfer platform in step 3.
  • the content of the request includes: the mobile phone number of the transferee, the name of the transferee, and the transfer amount.
  • the transfer platform mobile phone number transfer platform finds all mobile phone pay device IDs associated with the transferee mobile phone number (13888888888) (for example, there is a device with a device ID of SEID1 bound on the Huawei Pay platform) , And in step 5 send a transfer notification to the mobile phone pay management platform (also referred to as the transfer management platform or transfer acceptance institution) of all related devices, the notification content includes: the SEID of the related device and the transfer amount.
  • the system sends a message to the Xiaomi Pay platform that "there is a 100 yuan transfer for a device targeted to SEID1".
  • step 6 the transfer management platform notifies the mobile terminal of SEID1 of the transfer request.
  • step 7 the mobile terminal displays the transfer information to the transferee.
  • the transferee confirms the transfer information through the mobile pay wallet, selects the bank card (here it is assumed to be 62 ** 6666) and confirms it.
  • the mobile pay wallet of the transferee returns the selected debit card information to the transfer management platform.
  • the transferee can choose one of them and confirm with the transfer acceptance institution. And when the transferee only has one card, the transferee only needs to confirm with the transfer acceptance agency at this time without selecting steps.
  • step 10 it is submitted to the transfer platform by the transfer management platform.
  • the format of the debit card information is similar to the transfer request information, including the account ID of the transferee (example: example2@test.com) and the transfer card token (example 6200567856785678).
  • the transfer platform receives the debit card information from the transfer management platform, and performs a tokenization operation on the transferee account TOKEN.
  • step 11 the transfer platform submits a real-name query request to the bank to which the debit card belongs, and receives a reply in step 12.
  • the transfer platform sends a real-name query request to the bank to which the card number 62 ** 6666 belongs, and the bank replies to the transfer platform with the information about the bank card holder that has undergone the privacy process (such as "* 3").
  • the transfer platform responds to the transfer-out accepting agency with the verified name of the transfer-in cardholder, and notifies the transfer-out accepting agency for the transferee to perform a secondary confirmation.
  • the secondary confirmation information includes the name of the transferee (* 3), the receiving bank card (62 *** 5678), and the transfer amount (100 yuan).
  • the transferring party confirms the transferring party's information based on the verified transferring party information, and then enters the payment password to complete the verification.
  • the transferring mobile phone Pay wallet submits the secondary confirmation result to the transferring management platform. Including: Transferring party ID (test@example.com), Transferring card TOKEN (6200123412341234), Transfer amount (100 yuan), Transferring card PIN Block, Transaction cipher text, Risk information (On-device Indicator), and transfer Submit a formal transfer request (including the information uploaded by the mobile Paywallet and the risk score result) after the management platform performs a risk score (low risk).
  • the transfer platform executes the transfer request and obtains the reply information of the transfer bank and the transfer bank (for example, the transfer serial number 001, the transfer is successful).
  • step 23 the transfer platform responds to the transfer platform's management platform with the transfer result (transfer serial number 001, the transfer was successful), and the transfer platform's management platform pushes the transfer result to the user.
  • the transferring party has only one binding record, and it belongs to a different mobile pay platform than the transferring party.
  • the transfer-in and transfer-out parties may belong to the same mobile phone pay platform, such as Apple Pay to Apple Pay.
  • the transferor initiates a transfer request.
  • the transfer-out accepting agency found the binding information of the transfer-in party on its mobile phone PAY management platform. Since the transfer-in party and the transfer-out party both belong to the same mobile payment platform, the transfer-out accepting agency chooses to notify the transfer-in party on its own, and performs the subsequent matching process of the transfer-in bank card and the transfer-in party to enter the transfer password. No strengthening rules.
  • the transfer-out accepting institution sends the card number, transfer amount, and related verification information (such as password) of both parties to the mobile number transfer platform.
  • the mobile phone number transfer platform performs subsequent fund transfer steps
  • the transferee's mobile phone number has a mobile phone PAY binding record in multiple platforms.
  • the mobile phone number transfer platform needs to send matching query requests to multiple platforms.
  • the transfer platform can choose to initiate requests to multiple platforms at the same time.
  • a mobile phone number can only be activated in one mobile phone at the same time, obviously a matching query system with priority will be more effective.
  • the transferor normally initiates a mobile number transfer request; then, the mobile number transfer platform finds the binding records of the same mobile number on different platforms in the record; then, the mobile number transfer The platform initiates a query request to the operator to which the mobile phone number belongs to query the device ID that currently activates the mobile phone number; then, the operator feeds back the mobile phone number transfer platform to activate the device ID of the mobile phone number (assuming that the mobile phone is a Huawei mobile phone); and then The mobile phone number transfer platform looks up the device ID in the binding record. If the device ID exists in the binding record, the transfer platform to which the device belongs is set as the preferred notification platform. Finally, the mobile phone number transfer system sends a transfer-in party matching request to the preferred notification platform separately for subsequent operations. For example, subsequent operations may be consistent with the corresponding steps in FIG. 5.
  • multiple binding records of the transferring party may also include binding records of the same platform as the transferring party (for example, the transferring party is an Apple mobile phone, and the transferring party's mobile phone number is simultaneously stored in Apple Pay and Xiaomi Pay has a binding record).
  • the transferor normally initiates a mobile phone number transfer request; then, the transferout acceptance platform has a binding record of the mobile phone number, and chooses to match the transferor by itself; if the transferout acceptance platform If the transfer-in party matching process is successfully completed, the transfer operation is performed according to the foregoing embodiment flow of the mobile pay platform that the transfer-in and transfer-out parties belong to.
  • the transfer-out acceptance platform cannot complete the transfer-in party matching process in its own platform, and then send the transfer-in mobile phone number to the mobile-number transfer platform. Then, the mobile phone number transfer platform searches the binding record of the transferee in the binding record, and notifies the transfer acceptance platform in a certain priority order. Finally, the transfer-in acceptance platform completes the transfer-in party matching process and conducts subsequent funds transfer processes.
  • An example of the priority order from top to bottom can be (1) the acceptance platform that is the same platform as the transferee (if the outgoing acceptance platform chooses to let the transfer platform handle the transferee matching work); (2) the mobile phone number is currently Activate the acceptance platform to which the terminal belongs.
  • the embodiments of the present invention may be provided as a method, a device, or a computer program product. Therefore, the present invention may take the form of hardware, software, or a combination of software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, magnetic disk memory, optical memory, etc.) containing computer-usable program code.
  • a computer program product implemented on one or more computer-usable storage media (including, but not limited to, magnetic disk memory, optical memory, etc.) containing computer-usable program code.
  • the present invention is described with reference to flowcharts and / or block diagrams of methods, devices (platform systems), and computer program products according to embodiments of the present invention.
  • These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other editable processing device, such that a sequence of instructions to perform a specified operation is generated.
  • the mobile phone number transfer scheme provided by the present invention can reduce the transfer content that a user needs to enter, reduce the time and communication cost of the transfer, and improve the transfer efficiency.
  • the technical scheme of the present invention can support transfers between cross-payment platforms without the need for both parties to transfer to have an account of the same third-party payment provider.
  • the technical solution of the present invention allows the transferring party to select the account to be transferred during the transfer process without having to notify the transferring party each time, which is convenient and quick.
  • the account is selected by itself (protected by TOKEN technology) rather than the real card number is notified to the transferee, the privacy risk that may be caused by the leakage of the card number is avoided.
  • funds are actually transferred out after the second confirmation, thereby avoiding possible fund risks to the greatest extent.

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Abstract

一种转账平台（1000）、转出受理机构、计算机存储介质及执行方法，所述转账平台（1000）包括：第一接收装置（110），用于从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；查找装置（120），用于根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及第一发送装置（130），用于向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。

Description

转账平台、转入或转出受理机构、计算机存储介质及执行方法 技术领域
本发明涉及转账支付领域，特别涉及一种转账平台、转入/出受理机构、计算机存储介质及执行方法。
背景技术
目前，手机银行和网上银行实现转账和支付，基本都以银行卡号作为主要的目标标识。举例来说，使用银行客户端进行银行卡间转账的流程如下：首先，用户输入转入方的户名、卡号、所属银行以及转账金额；接着，用户通过取款密码和/或手机验证码验证；然后，如果转入方银行对户名及收款人账号校验成功则执行转账操作；最后，在成功进行转账之后，银行会记录下转入方的户名及卡号，后续转账时可以通过点击记录的方式自动填入。
但是，通过银行卡号进行转账的方案需要转出方手动输入转入方户名、银行卡号以及所属银行才能进行转账，对于转出方来说输入步骤过于繁琐。此外，转入方需要告知完整的银行卡账户信息(包含卡号)，造成一定程度的隐私泄露风险。
中国专利“手机银行业务处理方法、装置及系统”(申请号：CN201310389925.5)阐述了一种使用手机号进行转账的方法和系统。具体流程为：(1)用户A打开转出银行卡所述银行的应用，输入转账金额及收款方手机号；(2)付款行冻结A的资金，并向号码管理平台发起查找请求；(3)号码管理平台查找该手机号对应的所有银行卡账户，将查找结果回复付款行，并由用户A决定转账的具体目标账户；(4)若目标同意转账，则根据目标账户信息使用传统转账流程进行转账。在该现有技术中，由转出方选择转入账户，这使得平台需要向转出方告知转入方的银行账户信息，造成了不必要的隐私泄露。此外，该现有技术中用户资金在发起转账时就被冻结，因此会有潜在的资金风险。
以上公开于本发明背景部分的信息仅仅旨在增加对本发明的总体背景的理解，而不应当被视为承认或以任何形式暗示该信息构成已为本领域一般技术人员所公知的现有技术。
发明内容
为了解决以上现有技术的多个问题中的至少一个，本发明提供了一种转账平台，所述平台包括：第一接收装置，用于从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；查找装置，用于根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及第一发送装置，用于向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
可选地，在上述转账平台中，所述转账请求还包括转出方信息。
可选地，在上述转账平台中，所述转入方信息还包括转入方姓名。
可选地，在上述转账平台中，所述支付设备号是手机安全元件识别号SEID。
可选地，上述转账平台还包括：第二接收装置，用于从所述转入受理机构接收入账卡信息。
可选地，上述转账平台还包括：第二发送装置，用于向所述转入方银行卡所属的第一银行发送实名查询请求；第三接收装置，用于从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及第三发送装置，用于向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。
可选地，上述转账平台还包括：查询装置，用于向所述转入方手机号所属的运营商发起查询请求，从而查询激活所述转入方手机号的所述支付设备号；以及设定装置，用于根据所述运营商反馈的 所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
可选地，在上述转账平台中，所述第一发送装置配置为当所述查找装置查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设备号对应的多个转入受理机构发送转账通知。
根据本发明的另一个方面，提供了一种转账平台执行的方法，所述方法包括：从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
可选地，在上述方法中，所述转账请求还包括转出方信息。
可选地，在上述方法中，所述转入方信息还包括转入方姓名。
可选地，在上述方法中，所述支付设备号是手机安全元件识别号SEID。
可选地，上述方法还可包括：从所述转入受理机构接收入账卡信息。
可选地，上述方法还可包括：向所述转入方银行卡所属的第一银行发送实名查询请求；从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。
可选地，上述方法还可包括：向所述转入方手机号所属的运营商发起查询请求，从而查询激活所述转入方手机号的所述支付设备号；以及根据所述运营商反馈的所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
可选地，在上述方法中，当查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设 备号对应的多个转入受理机构发送转账通知。
根据本发明的又一个方面，提供了一种转出受理机构，所述转出受理机构包括：发送装置，用于向前述转账平台发送转账请求，所述转账请求包括转入方手机号。
可选地，上述转出受理机构还包括：接收装置，用于从与所述转出受理机构关联的支付终端接收转出请求，其中所述转出请求包括转出方账户ID、转出方银行卡对应的支付标记、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号。
可选地，上述转出受理机构还包括：验证装置，用于通过查找所述转出方账户ID对应的支付标记列表并将所述支付标记列表与所接收的转出方银行卡对应的支付标记进行对比，验证所述转出方账户ID的真实性。
可选地，上述转出受理机构还包括：评分装置，用于至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。
可选地，上述转出受理机构还包括：查找装置，查找与所述转入方手机号对应的绑定信息。
可选地，在上述转出受理机构中，所述发送装置配置成在所述查找装置找到所述绑定信息时，自行通知转入方。
根据本发明的又一个方面，提供了一种转出受理机构执行的方法，所述方法包括：向前述转账平台发送转账请求，所述转账请求包括转入方手机号。
可选地，上述方法还包括：从与所述转出受理机构关联的支付终端接收转出请求，其中所述转出请求包括转出方信息、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号。
可选地，上述方法还包括：通过内部存储的信息评估所述转出方信息的风险等级。
可选地，上述方法还包括：所述转出请求中还包括风险相关信息，并且所述转出受理机构至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。
根据本发明的又一个方面，提供了一种转入受理机构，所述 转入受理机构包括：第一接收装置，用于从前述转账平台接收转账通知，所述转账通知包括支付设备号以及转账金额。
可选地，上述转入受理机构还包括：通知装置，用于通知转入方收款。
可选地，上述转入受理机构还包括：第二接收装置，用于从所述转入方接收所选择的转入卡卡号。
根据本发明的又一个方面，提供了一种转入受理机构执行的方法，所述方法包括：从前述转账平台接收转账通知，所述转账通知包括支付设备号以及转账金额。
可选地，上述方法还包括：通知转入方收款。
可选地，上述方法还包括：从所述转入方接收所选择的转入卡卡号。
根据本发明的又一个方面，提供了一种计算机存储介质，所述介质包括指令，所述指令在执行时配置成执行如前所述转账平台执行的方法、如前所述转出受理机构执行的方法或如前所述转入受理机构执行的方法。
相较于传统的银行卡卡号转账方式，本发明提出的手机号转账方案可以减少用户需要输入的转账内容，降低转账的时间及沟通成本，提高转账效率。另外，本发明的技术方案可以支持跨支付平台间的转账，无需转账双方拥有同一第三方支付提供商的账户。此外，本发明的技术方案允许在转账过程中，转入方可自行选择入账的账户，无需每次通知转入方，方便快捷。再者，由于是自行选择账户(受到TOKEN技术保护)而非向转出方告知真实卡号，因此避免了卡号泄漏可能造成的隐私风险。最后，在本发明的技术方案中，资金在经过二次确认之后被实际转出，从而最大程度上避免了可能的资金风险。
通过纳入本文的附图以及随后与附图一起用于说明本发明的某些原理的具体实施方式，本发明的方法和装置所具有的其它特征和优点将更为具体地变得清楚或得以阐明。
附图说明
图1是表示本发明的一个实施例的转账平台的结构示意图；
图2是表示本发明的一个实施例的转账平台执行的方法流程图；
图3是表示本发明的一个实施例的转出受理机构的结构示意图；
图4是表示本发明的一个实施例的转出受理机构执行的方法流程图；以及
图5是表示本发明的一个实施例的利用手机号进行转账的系统整体流程图。
具体实施方式
以下说明描述了本发明的特定实施方式以教导本领域技术人员如何制造和使用本发明的最佳模式。为了教导发明原理，已简化或省略了一些常规方面。本领域技术人员应该理解源自这些实施方式的变型将落在本发明的范围内。本领域技术人员应该理解下述特征能够以各种方式接合以形成本发明的多个变型。由此，本发明并不局限于下述特定实施方式，而仅由权利要求和它们的等同物限定。
图1是表示本发明的一个实施例的转账平台的结构示意图。如图1所示，转账平台1000包括第一接收装置110、查找装置120以及第一发送装置130。其中，第一接收装置110用于从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号。查找装置120用于根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号。第一发送装置130用于向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
可以理解的是，在本发明的上下文中，转出受理机构可以是用户手机所属的支付管理平台，用于为用户手机提供资金转出服务。类似地，转入受理机构用于为用户手机提供资金转入服务。
在一个实施例中，除了转入方信息以及转账金额之外，所述转账请求还包括转出方信息，例如转出方账户ID以及转出方银行卡 对应的支付标记，在此不做限定。在一个实施例中，除了转入方手机号，所述转入方信息还包括转入方姓名。在一个实施例中，所述支付设备号是手机安全元件识别号SEID，是与设备号等价的一种编号。
尽管图1中未示出，在一个实施例中，转账平台1000还可包括：第二接收装置，用于从所述转入受理机构接收入账卡信息，例如银行卡卡号、支付标记或银行账户等，在此不做限定。在一个实施例中，上述转账平台1000还可包括：第二发送装置，用于向所述转入方银行卡所属的第一银行发送实名查询请求；第三接收装置，用于从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及第三发送装置，用于向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。在一个实施例中，上述转账平台1000还可包括：查询装置，用于向所述转入方手机号所属的运营商发起查询请求，从而查询激活所述转入方手机号的所述支付设备号；以及设定装置，用于根据所述运营商反馈的所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
在一个实施例中，所述第一发送装置130配置为当所述查找装置120查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设备号对应的多个转入受理机构发送转账通知。
图2是表示本发明的一个实施例的转账平台执行的方法流程图。如图2所示，转账平台执行的方法2000包括如下步骤：步骤210，从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；步骤220，根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及步骤230，向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
在方法2000的一个实施例中，除了转入方信息以及转账金额 之外，所述转账请求还包括转出方信息，例如转出方账户ID以及转出方银行卡对应的支付标记，在此不作限定。在一个实施例中，除了转入方手机号，所述转入方信息还包括转入方姓名。在一个实施例中，所述支付设备号是手机安全元件识别号SEID，是与设备号等价的一种编号。可选地，上述方法还可包括：从所述转入受理机构接收入账卡信息，例如银行卡卡号、支付标记或银行账户等，在此不做限定。
尽管图2中未示出，在一个实施例中，上述方法2000还可包括：向所述转入方银行卡所属的第一银行发送实名查询请求；从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。在一个实施例中，上述方法2000还可包括：向所述转入方手机号所属的运营商发起查询请求，从而查询激活所述转入方手机号的所述支付设备号；以及根据所述运营商反馈的所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
在一个实施例中，当查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设备号对应的多个转入受理机构发送转账通知。
图3是表示本发明的一个实施例的转出受理机构的结构示意图。如图3所示，转出受理机构3000包括：接收装置310、验证装置320以及发送装置330。其中，接收装置310用于从与所述转出受理机构关联的支付终端接收转出请求，其中所述转出请求包括转出方账户ID、转出方银行卡对应的支付标记、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号。验证装置320用于通过查找所述转出方账户ID对应的支付标记列表并将所述支付标记列表与所接收的转出方银行卡对应的支付标记进行对比，验证所述转出方账户ID的真实性。发送装置330用于向转账平台(例如如图1所示的转账平台)发送转账请求，所述转账请求包括所述转入方手机号。
尽管图3中未示出，在一个实施例中，上述转出受理机构3000还包括：评分装置，用于至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。在一个实施例中，上述转出受理机构3000还包括：查找装置，查找与所述转入方手机号对应的绑定信息。在一个实施例中，所述发送装置330配置成在所述查找装置320找到所述绑定信息时，自行通知转入方。
图4表示本发明的一个实施例的转出受理机构执行的方法流程图。如图4所示，转出受理机构执行的方法4000包括：步骤410，从与所述转出受理机构关联的支付终端接收转出请求，其中所述转出请求包括转出方账户ID、转出方银行卡对应的支付标记、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号；步骤420，通过查找所述转出方账户ID对应的支付标记列表并将所述支付标记列表与所接收的转出方银行卡对应的支付标记进行对比，验证所述转出方账户ID的真实性；以及步骤430，向转账平台发送转账请求，所述转账请求包括所述转入方手机号。
尽管图4未示出，在一个实施例中，上述方法4000还包括：至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。在一个实施例中，上述方法4000还包括：查找与所述转入方手机号对应的绑定信息。在一个实施例中，在查找到所述绑定信息时，自行通知转入方。
图5是表示本发明的一个实施例的利用手机号进行转账的系统整体流程图。参照图5，在一个实施例中，用户在手机上按快捷键，快速进入手机Pay钱包界面，选择转出的银行卡(例：62**8888)并点击转账功能，通过通讯录的方式选取收款人及收款人的手机号(例：张三13888888888)并输入转账金额(例：100元)，最后通过手机Pay钱包的指纹验证。接着，如图5中的步骤1所示，手机Pay钱包根据用户输入及选择的信息，向其所属手机pay的管理平台(后称转出受理机构)发起转出请求。请求信息中包含转出方账户ID(例如example@test.com)，转出方银行卡对应的支付标记，即Token(例6200123412341234)，转账金额(100元)，转入方信息(张三 13888888888)，以及风险相关信息(On-Device Indicator)。
继续参考图5，在步骤2中，转出受理机构通过内部存储的绑定信息验证转出方账户ID的真实性(例如：在转出受理机构的数据库中查找对应账户IDexample@test.com下放的Token列表，并与提交的Token进行对比)，并进行交易风险评分(在本例中假设评价结果为低风险)。
真实性验证及风险评估通过之后，转出受理机构在步骤3向转账平台发送转入通知请求。请求内容包括：转入方手机号、转入方姓名以及转账金额。
接着，在步骤4，转账平台手机号转账平台根据转入方手机号(13888888888)查找到所有与之关联的手机pay设备ID(例如在小米Pay平台上有绑定一设备ID为SEID1的设备)，并在步骤5中向所有关联设备的手机pay管理平台(也称转入管理平台或转入受理机构)发送转账通知，通知内容包括：关联设备的SEID以及转账金额。例如，在一个实施例中，系统向小米Pay平台发出“有一笔目标为SEID1的设备的100元的转账”的信息。
在步骤6中，转入管理平台通知SEID1的移动终端该笔转账请求。
随后，在步骤7中，移动终端向转入方显示转账信息。本领域技术人员可以理解，具体显示形式可由各自手机厂商决定，本发明不作限定。在步骤8中，转入方通过手机pay钱包确认转账信息，选取入账的银行卡(在此假设为62**6666)并确认。接着，在步骤9中，转入方的手机pay钱包向转入管理平台回复选取的入账卡信息。本领域技术人员可以理解的是，当转入方有多张入账卡时，转入方可从中选择其中之一并向转入受理机构确认。而当转入方只有一张卡时，则这时转入方只需要向转入受理机构确认而无需选择步骤。在步骤10中，由转入管理平台提交给转账平台。入账卡信息与转出请求信息的格式类似，包括转入方的账户ID(例：example2@test.com)转入卡Token(例6200567856785678)。转账平台接收来自转入管理平台的入账卡信息，并对转入方账户TOKEN 进行去TOKEN化操作。
在步骤11中，转账平台向入账卡所属银行提交实名查询请求，并在步骤12接收回复。本例中转账平台向卡号62**6666所属银行发出实名查询请求，银行向转账平台回复认证后的、经过隐私处理的该银行卡持卡人信息(如“*三”)。在步骤13至15中，转账平台将验证后的转入卡持卡人姓名回复转出受理机构，并通知转出受理机构让转出方进行二次确认。二次确认信息包含转入方姓名(*三)，收款银行卡(62***5678)，转入金额(100元)。
转出方根据验证后的转入方信息二次确认后输入支付密码完成校验。在步骤16至18中，转出方手机Pay钱包向转出管理平台提交二次确认结果。包含：转出方ID(test@example.com)、转出卡TOKEN(6200123412341234)、转账金额(100元)、转出卡PIN BLOCK、交易密文、风险信息(On-device Indicator)，并且转出管理平台进行风险评分(低风险)后提交正式的转账请求(可包含手机Pay钱包上传的信息以及风险评分结果)。
在步骤19至22中，转账平台执行转账请求，并获取转出银行及转入银行的回复信息(例如：转账流水号001，转账成功)。
最后，在步骤23中，转账平台向转入转出双方的管理平台回复转账结果(转账流水号001，转账成功)，并由转入转出双方的管理平台向用户推送该转账结果。
在上述实施例，转入方只有一条绑定记录，并且与转出方分属不同的手机pay平台。
本领域技术人员可以理解，在另一个实施例中，转入与转出方可同属一个手机pay平台，例如Apple Pay转Apple Pay。在这个实施例中，如图5步骤1相同，转出方发起转账请求。接着，转出受理机构在其手机PAY管理平台查找到有转入方的绑定信息。由于转入方与转出方同属一个手机支付平台，这时转出受理机构选择自行通知转入方，并自行进行后续匹配转入方银行卡以及转出方输入转账密码的过程，具体形式这里不加强制规定。然后，转出受理机构将转账双方的卡号、转账金额以及相关验证信息(如密码等)发送 至手机号转账平台。最后，手机号转账平台执行后续资金转移步骤
在又一个实施例中，转入方手机号在多个平台内有手机PAY绑定记录。此时手机号转账平台需要向多个平台发出匹配查询请求，显然转账平台可以选择同时向多个平台同时发起请求。但是考虑到一个手机号同时只能在一台手机内激活，显然一个具有优先级的匹配查询系统会更有效。此处提出一种可行的替代方案：首先，转出方正常发起手机号转账请求；接着，手机号转账平台在记录中查找到同一手机号在不同平台上的绑定记录；然后，手机号转账平台向该手机号所属运营商发起查询请求，查询目前激活该手机号的设备ID；随后，运营商向手机号转账平台反馈激活该手机号的设备ID(假设该手机为小米手机)；再接着，手机号转账平台在绑定记录中查找该设备ID，如果该设备ID在绑定记录中存在，则将该设备所属的转账平台设定为优选通知平台。最后，手机号转账系统向优选通知平台单独发送转入方匹配请求，进行后续操作。例如，后续操作可与图5中的对应步骤保持一致。
在又一个实施例中，转入方的多个绑定记录中也可能包含有与转出方相同平台的绑定记录(例如转出方为苹果手机，转入方手机号同时在Apple Pay与小米Pay上有绑定记录)。此时可按如下流程进行操作：首先，转出方正常发起手机号转账请求；接着，转出受理平台上有该手机号的绑定记录，并选择自行匹配转入方；若转出受理平台成功完成转入方匹配过程，则按照前述转入与转出方同属一个手机pay平台的实施例流程执行转账操作。否则，转出受理平台无法在自身平台内完成转入方匹配流程，则将转入方手机号发送至手机号转账平台。再接着，手机号转账平台在绑定记录中查找转入方的绑定记录，并按照一定优先级顺序通知转入受理平台。最后，转入受理平台完成转入方匹配流程，并进行后续资金转移流程。优先级顺序的一个示例从上往下可以是(1)与转出方为同一平台的受理平台(若传出受理平台选择让转账平台处理转入方匹配工作)；(2)该手机号目前激活终端所属的受理平台。
本领域内的技术人员应明白，本发明的实施例可提供为方法、 设备或计算机程序产品。因此，本发明可采用硬件、软件、或软硬件结合的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器和光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(平台系统)、和计算机程序产品的流程图和/或方框图来描述的。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编辑处理设备的处理器，使得产生执行指定操作的指令序列。
综上，本发明提出的手机号转账方案可以减少用户需要输入的转账内容，降低转账的时间及沟通成本，提高转账效率。另外，本发明的技术方案可以支持跨支付平台间的转账，无需转账双方拥有同一第三方支付提供商的账户。此外，本发明的技术方案允许在转账过程中，转入方可自行选择入账的账户，无需每次通知转入方，方便快捷。再者，由于是自行选择账户(受到TOKEN技术保护)而非向转出方告知真实卡号，因此避免了卡号泄漏可能造成的隐私风险。最后，在本发明的技术方案中，资金在经过二次确认之后被实际转出，从而最大程度上避免了可能的资金风险。
以上例子主要说明了本发明的转账平台、转入或转出受理机构、计算机存储介质及执行方法。尽管只对其中一些本发明的一个或多个实施例进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (33)

  1. 一种转账平台，所述平台包括：
    第一接收装置，用于从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；
    查找装置，用于根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及
    第一发送装置，用于向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
  2. 如权利要求1所述的转账平台，其中，所述转账请求还包括转出方信息。
  3. 如权利要求1所述的转账平台，其中，所述转入方信息还包括转入方姓名。
  4. 如权利要求1所述的转账平台，其中，所述支付设备号是手机安全元件识别号SEID。
  5. 如权利要求1至4中任一项所述的转账平台，还包括：
    第二接收装置，用于从所述转入受理机构接收入账卡信息。
  6. 如权利要求5所述的转账平台，还包括：
    第二发送装置，用于向所述转入方银行卡所属的第一银行发送实名查询请求；
    第三接收装置，用于从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及
    第三发送装置，用于向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。
  7. 如权利要求1所述的转账平台，还包括：
    查询装置，用于向所述转入方手机号所属的运营商发起查询请求，从而查询激活所述转入方手机号的所述支付设备号；以及
    设定装置，用于根据所述运营商反馈的所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
  8. 如权利要求1所述的转账平台，其中，所述第一发送装置配置为当所述查找装置查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设备号对应的多个转入受理机构发送转账通知。
  9. 一种转账平台执行的方法，所述方法包括：
    从转出受理机构接收转账请求，所述转账请求包括转入方信息以及转账金额，所述转入方信息包含转入方手机号；
    根据所述转入方手机号，查找与所述转入方手机号关联的支付设备号；以及
    向与所述支付设备号对应的转入受理机构发送转账通知以便通知转入方收款，所述转账通知包括所述支付设备号以及所述转账金额。
  10. 如权利要求9所述的方法，其中，所述转账请求还包括转出方信息。
  11. 如权利要求9所述的方法，其中，所述转入方信息还包括转入方姓名。
  12. 如权利要求9所述的方法，其中，所述支付设备号是手机安全元件识别号SEID。
  13. 如权利要求9至12中任一项所述的方法，还包括：
    从所述转入受理机构接收入账卡信息。
  14. 如权利要求13所述的方法，还包括：
    向所述转入方银行卡所属的第一银行发送实名查询请求；
    从所述第一银行接收针对实名查询请求的回复，所述回复包括经过隐私处理的转入方银行卡的持卡人姓名；以及
    向所述转出受理机构发送所述经过隐私处理的转入方银行卡的持卡人姓名，以供转出方确认。
  15. 如权利要求9所述的方法，还包括：
    向所述转入方手机号所属的运营商发起查询请求，从而查询激 活所述转入方手机号的所述支付设备号；以及
    根据所述运营商反馈的所述支付设备号，将与所述支付设备号对应的转入受理机构设定为优选通知。
  16. 如权利要求9所述的方法，其中，当查找出与所述转入方手机号关联的多个支付设备号时，按照一定的优先级顺序来向与所述多个支付设备号对应的多个转入受理机构发送转账通知。
  17. 一种转出受理机构，所述转出受理机构包括：
    发送装置，用于向如权利要求1至8中任一项所述的转账平台发送转账请求，所述转账请求包括转入方手机号。
  18. 如权利要求17所述的转出受理机构，还包括：
    接收装置，用于从与所述转出受理机构关联的支付终端接收转出请求，其中所述转出请求包括转出方账户ID、转出方银行卡对应的支付标记、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号。
  19. 如权利要求17或18所述的转出受理机构，还包括：
    验证装置，用于通过查找所述转出方账户ID对应的支付标记列表并将所述支付标记列表与所接收的转出方银行卡对应的支付标记进行对比，验证所述转出方账户ID的真实性。
  20. 如权利要求17所述的转出受理机构，还包括：
    评分装置，用于至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。
  21. 如权利要求17所述的转出受理机构，还包括：
    查找装置，查找与所述转入方手机号对应的绑定信息。
  22. 如权利要求21所述的转出受理机构，其中，所述发送装置配置成在所述查找装置找到所述绑定信息时，自行通知转入方。
  23. 一种转出受理机构执行的方法，所述方法包括：
    向如权利要求1至8中任一项所述的转账平台发送转账请求，所述转账请求包括转入方手机号。
  24. 如权利要求23所述的方法，还包括：
    从与所述转出受理机构关联的支付终端接收转出请求，其中所 述转出请求包括转出方信息、转入方信息以及转账金额，并且所述转入方信息包含转入方手机号。
  25. 如权利要求23或24所述的方法，还包括：
    通过内部存储的信息评估所述转出方信息的风险等级。
  26. 如权利要求23所述的方法，还包括：
    所述转出请求中还包括风险相关信息，并且所述转出受理机构至少根据所述转出请求中的风险相关信息来对转账交易进行风险评分。
  27. 一种转入受理机构，所述转入受理机构包括：
    第一接收装置，用于从如权利要求1至8中任一项所述的转账平台接收转账通知，所述转账通知包括支付设备号以及转账金额。
  28. 如权利要求27所述的转入受理机构，还包括：
    通知装置，用于通知转入方收款。
  29. 如权利要求28所述的转入受理机构，还包括：
    第二接收装置，用于从所述转入方接收所选择的转入卡卡号。
  30. 一种转入受理机构执行的方法，所述方法包括：
    从如权利要求1至8中任一项所述的转账平台接收转账通知，所述转账通知包括支付设备号以及转账金额。
  31. 如权利要求30所述的方法，还包括：
    通知转入方收款。
  32. 如权利要求31所述的方法，还包括：
    从所述转入方接收所选择的转入卡卡号。
  33. 一种计算机存储介质，所述介质包括指令，所述指令在执行时配置成执行如权利要求9至16中任一项所述的方法，如权利要求23至28中任一项所述的方法或如权利要求30至32中任一项所述的方法。
PCT/CN2019/094677 2018-09-21 2019-07-04 转账平台、转入或转出受理机构、计算机存储介质及执行方法 Ceased WO2020057230A1 (zh)

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