技术领域Technical field
本发明涉及数据处理技术领域，尤其涉及一种电子转账方法、装置和存储介质。The present invention relates to the field of data processing technology, and in particular to an electronic transfer method, device and storage medium.
背景技术Background technique
随着互联网技术的发展，互联网金融蓬勃兴起，其几乎改变了用户在金融体验的各个方面，转账、支付、收款、借贷等，用户体验越来越便捷。传统的银行转账需要输入对方一长串的银行卡号码，还要确定开户行，操作麻烦又担心输错。而基于移动支付技术和通讯录的电子转账方式为用户提供了更便捷的转账方式。With the development of Internet technology, Internet finance is booming, which has changed almost every aspect of users' financial experience, such as transfer, payment, collection, lending, etc., making the user experience more and more convenient. Traditional bank transfers require entering a long list of the other party's bank card number and determining the bank where the account is opened, which is cumbersome and worries about entering the wrong number. The electronic transfer method based on mobile payment technology and address book provides users with a more convenient transfer method.
目前，基于通讯录的电子转账方式，付款用户通过手机登录手机银行客户端，输入收款用户手机号码(或者从手机通讯录中选择收款用户手机号码)、收款用户姓名以及转账金额后提交转账请求，付款用户账户所属银行查询付款用户是否登记过收款用户信息(姓名、手机号和收款方银行卡卡号)，并校验收款用户姓名、手机号的一致性，如果一致，由付款用户账户所属银行通过转接平台向收款用户账户所属银行发送转账指令，其中包含有收款用户姓名、银行卡号等信息，完成转账操作；如果不一致或者未查询到收款用户信息，则付款用户所属银行根据手机号码向收款用户发送短信，由收款用户通过短信回复并提交收款用户的银行账号等账户信息至付款用户所属银行后，再由付款用户账户所属银行通过转接平台向收款用户账户所述银行发送转账指令，完成转账操作。Currently, in the electronic transfer method based on the address book, the paying user logs into the mobile banking client through a mobile phone, enters the receiving user's mobile phone number (or selects the receiving user's mobile phone number from the mobile phone address book), the receiving user's name and the transfer amount and submits For a transfer request, the bank to which the paying user's account belongs checks whether the paying user has registered the receiving user information (name, mobile phone number and payee's bank card number), and verifies the consistency of the receiving user's name and mobile phone number. If they are consistent, the The bank to which the paying user's account belongs sends a transfer instruction to the bank to which the receiving user's account belongs through the transfer platform, which includes the name of the receiving user, bank card number and other information to complete the transfer operation; if there is any inconsistency or the receiving user's information is not found, the payment is made The user's bank sends a text message to the payee user based on the mobile phone number. The payee user responds via text message and submits the payee user's bank account and other account information to the payee user's bank. The bank to which the payee user's account belongs is then sent to the payee through the transfer platform. The bank mentioned in the receiving user's account sends a transfer instruction to complete the transfer operation.
在上述转账操作流程中，为了完成转账操作，付款用户账户所属银行需要记录收款用户的账户信息，例如收款用户姓名、手机号以及银行账号等等，增加了用户账户信息泄露的风险，另外，如果付款用户账户所属银行没有获取到收款用户的账户信息，则会造成转账失败。In the above transfer operation process, in order to complete the transfer operation, the bank to which the paying user's account belongs needs to record the account information of the receiving user, such as the receiving user's name, mobile phone number, bank account number, etc., which increases the risk of user account information leakage. In addition, , if the bank to which the paying user's account belongs does not obtain the account information of the receiving user, the transfer will fail.
发明内容Contents of the invention
本发明实施例提供一种电子转账方法、装置和存储介质，用以提高电子转账的安全性和转账成功率。Embodiments of the present invention provide an electronic transfer method, device and storage medium to improve the security of electronic transfer and the transfer success rate.
第一方面，提供一种电子转账方法，包括：The first aspect provides an electronic transfer method, including:
接收电子转账请求报文，所述电子转账请求报文中携带有第一用户标识；Receive an electronic transfer request message, where the electronic transfer request message carries the first user identification;
查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识；Search whether there is a first organization identification corresponding to the first user identification in the pre-established correspondence relationship between the user identification and the organization identification;
如果是，则根据查找到的第一机构标识，向机构处理系统发送电子转账报文，所述电子转账报文中携带有所述第一用户标识，由所述机构处理系统根据所述第一用户标识查找对应的用户账户信息并完成电子转账操作。If so, an electronic transfer message is sent to the institution processing system according to the found first institution identification. The electronic transfer message carries the first user identification, and the institution processing system sends the electronic transfer message according to the first user identification. The user ID searches for the corresponding user account information and completes the electronic transfer operation.
其中，所述用户标识与收付机构标识的对应关系按照以下流程建立的：Among them, the corresponding relationship between the user identification and the payment institution identification is established according to the following process:
接收电子转账开通请求报文，所述电子转账开通请求报文中携带有第二用户标识和第二机构标识；Receive an electronic transfer activation request message, where the electronic transfer activation request message carries a second user identification and a second organization identification;
查找已建立的用户标识与机构标识的对应关系中是否存在所述第二用户标识和第二机构标识的对应关系；Find whether there is a corresponding relationship between the second user identification and the second organization identification among the established correspondences between the user identification and the organization identification;
如果不存在，则建立所述第二用户标识和第二机构标识的对应关系并存储。If it does not exist, establish a corresponding relationship between the second user identification and the second organization identification and store it.
可选地，本发明实施例提供的电子转账方法，还包括：Optionally, the electronic transfer method provided by this embodiment of the present invention also includes:
如果存在所述第二用户标识和第二机构标识的对应关系，则返回电子转账已开通的应答报文。If there is a corresponding relationship between the second user identification and the second organization identification, a response message indicating that electronic transfer has been enabled is returned.
可选地，本发明实施例提供的电子转账方法，还包括：Optionally, the electronic transfer method provided by this embodiment of the present invention also includes:
如果预先建立的用户标识与机构标识的对应关系中不存在所述第一用户标识对应的第一机构标识，则返回对方用户信息不存在的应答报文。If the first organization identification corresponding to the first user identification does not exist in the pre-established correspondence between the user identification and the organization identification, a response message indicating that the other party's user information does not exist is returned.
优选地，所述第一用户标识或者所述第二用户标识包括通信号码和/或用户姓名。Preferably, the first user identification or the second user identification includes a communication number and/or a user name.
第二方面，提供一种电子转账装置，包括：In a second aspect, an electronic transfer device is provided, including:
第一接收单元，用于接收电子转账请求报文，所述电子转账请求报文中携带有第一用户标识；A first receiving unit configured to receive an electronic transfer request message, where the electronic transfer request message carries a first user identification;
第一查找单元，用于查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识；The first search unit is used to search whether there is a first organization identification corresponding to the first user identification in the pre-established correspondence relationship between the user identification and the organization identification;
应答单元，用于在所述第一查找单元查找到所述第一用户标识对应的第一机构标识时，根据查找到的第一机构标识，向机构处理系统发送电子转账报文，所述电子转账报文中携带有所述第一用户标识，由所述机构处理系统根据所述第一用户标识查找对应的用户账户信息并完成电子转账操作。A response unit configured to send an electronic transfer message to the institution processing system based on the found first institution identification when the first search unit finds the first institution identification corresponding to the first user identification. The transfer message carries the first user identification, and the institution processing system searches for the corresponding user account information based on the first user identification and completes the electronic transfer operation.
可选地，本发明实施例提供的电子转账装置，还包括：Optionally, the electronic transfer device provided by this embodiment of the present invention also includes:
第二接收单元，用于接收电子转账开通请求报文，所述电子转账开通请求报文中携带有第二用户标识和第二机构标识；A second receiving unit configured to receive an electronic transfer activation request message, where the electronic transfer activation request message carries a second user identification and a second organization identification;
第二查找单元，用于查找已建立的用户标识与机构标识的对应关系中是否存在所述第二用户标识和第二机构标识的对应关系；The second search unit is used to search whether there is a corresponding relationship between the second user identifier and the second agency identifier among the established correspondence relationships between user identifiers and organization identifiers;
建立单元，用于如果所述第二查找单元未查找到所述第二用户标识和第二机构标识的对应关系，则建立所述第二用户标识和第二机构标识的对应关系并存储。An establishing unit, configured to establish and store the corresponding relationship between the second user identification and the second organization identification if the second searching unit does not find the corresponding relationship between the second user identification and the second organization identification.
可选地，所述应答单元，还用于如果所述第二查找单元查找到所述第二用户标识和第二机构标识的对应关系，则返回电子转账已开通的应答报文。Optionally, the response unit is also configured to return a response message that electronic transfer has been enabled if the second search unit finds the corresponding relationship between the second user identification and the second institution identification.
可选地，所述应答单元，还用于如果所述第一查找单元未查找到所述第一用户标识对应的第一机构标识，则返回对方用户信息不存在的应答报文。Optionally, the response unit is also configured to return a response message indicating that the other party's user information does not exist if the first search unit does not find the first organization identifier corresponding to the first user identifier.
可选地，所述第一用户标识或者所述第二用户标识包括通信号码和/或用户姓名。Optionally, the first user identification or the second user identification includes a communication number and/or a user name.
第三方面，提供一种计算装置，包括至少一个处理器、以及至少一个存储器，其中，所述存储器存储有计算机程序，当所述程序被所述处理器执行时，使得所述处理器执行所述电子转账方法所述的任一步骤。In a third aspect, a computing device is provided, including at least one processor and at least one memory, wherein the memory stores a computer program, and when the program is executed by the processor, the processor is caused to execute the Any step described in the electronic transfer method.
第四方面，提供一种计算机可读介质，其存储有可由计算装置执行的计算机程序，当所述程序在计算装置上运行时，使得所述计算装置执行所述电子转账方法所述的任一步骤。In a fourth aspect, a computer-readable medium is provided, which stores a computer program executable by a computing device. When the program is run on the computing device, the computing device performs any of the electronic transfer methods. step.
本发明实施例提供的电子转账方法、装置和存储介质中，通过预先建立用户标识与机构标识的对应关系，在进行电子转账操作时，只需提供用户标识，根据用户标识查找其对应的机构标识，并根据查找到的机构标识向对应的机构处理系统发送电子转账请求，由其根据用户标识查找对应的用户账户信息并完成电子转账操作，上述过程中，支付机构和转接平台均未获得用户账户信息，从而降低了用户账户信息被泄露的风险，提高了电子转账的安全性。而且，上述流程中，在没有获得用户账户信息的情况下，仍然能够完成电子转账操作，从而提高了电子转账的成功率。In the electronic transfer method, device and storage medium provided by the embodiments of the present invention, by pre-establishing the corresponding relationship between the user identification and the organization identification, when performing the electronic transfer operation, only the user identification is required, and the corresponding organization identification is searched based on the user identification. , and sends an electronic transfer request to the corresponding institutional processing system based on the found institutional identification, which searches for the corresponding user account information based on the user identification and completes the electronic transfer operation. During the above process, neither the payment institution nor the transfer platform obtained the user Account information, thus reducing the risk of user account information being leaked and improving the security of electronic transfers. Moreover, in the above process, the electronic transfer operation can still be completed without obtaining the user account information, thus improving the success rate of electronic transfers.
本发明的其它特征和优点将在随后的说明书中阐述，并且，部分地从说明书中变得显而易见，或者通过实施本发明而了解。本发明的目的和其他优点可通过在所写的说明书、权利要求书、以及附图中所特别指出的结构来实现和获得。Additional features and advantages of the invention will be set forth in the description which follows, and in part will be apparent from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention may be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
附图说明Description of drawings
此处所说明的附图用来提供对本发明的进一步理解，构成本发明的一部分，本发明的示意性实施例及其说明用于解释本发明，并不构成对本发明的不当限定。在附图中：The drawings described here are used to provide a further understanding of the present invention and constitute a part of the present invention. The illustrative embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the attached picture:
图1a为根据本发明实施方式的应用场景示意图；Figure 1a is a schematic diagram of an application scenario according to an embodiment of the present invention;
图1b为根据本发明实施方式的用户开通电子转账功能的应用场景示意图；Figure 1b is a schematic diagram of an application scenario for users to activate the electronic transfer function according to an embodiment of the present invention;
图2为根据本发明实施方式的电子转账开通流程示意图；Figure 2 is a schematic diagram of the electronic transfer activation process according to an embodiment of the present invention;
图3为根据本发明实施方式的电子转账方法实施流程示意图；Figure 3 is a schematic flow chart of an electronic transfer method according to an embodiment of the present invention;
图4为根据本发明实施例方式的支付机构处理系统、转接平台和收付机构处理系统的交互流程示意图；Figure 4 is a schematic diagram of the interaction flow of the payment institution processing system, transfer platform and payment institution processing system according to an embodiment of the present invention;
图5为根据本发明实施方式的电子支付装置的结构示意图；Figure 5 is a schematic structural diagram of an electronic payment device according to an embodiment of the present invention;
图6为根据本发明实施方式的计算装置的结构示意图。FIG. 6 is a schematic structural diagram of a computing device according to an embodiment of the present invention.
具体实施方式Detailed ways
为了提高电子转账操作的安全性和成功率，本发明实施例提供了一种电子转账方法、装置和存储介质。In order to improve the security and success rate of electronic transfer operations, embodiments of the present invention provide an electronic transfer method, device and storage medium.
本发明中的终端设备可以是个人电脑(英文全称：Personal Computer，PC)、平板电脑、个人数字助理(Personal Digita l Assistant，PDA)、个人通信业务(英文全称：Personal Communication Service，PCS)电话、笔记本和手机等终端设备，也可以是具有移动终端的计算机，例如，可以是便携式、袖珍式、手持式、计算机内置的或者车载的移动装置，它们能够向用户提供语音和/或数据连通性的设备，以及与无线接入网交换语言和/或数据。The terminal device in the present invention can be a personal computer (English full name: Personal Computer, PC), tablet computer, personal digital assistant (Personal Digital Assistant, PDA), personal communication service (English full name: Personal Communication Service, PCS) telephone, Terminal devices such as notebooks and mobile phones can also be computers with mobile terminals. For example, they can be portable, pocket-sized, handheld, computer-built-in or vehicle-mounted mobile devices, which can provide users with voice and/or data connectivity. equipment, and exchange voice and/or data with the radio access network.
另外，本发明实施例中的说明书和权利要求书及上述附图中的术语“第一”、“第二”等是用于区别类似的对象，而不必用于描述特定的顺序或先后次序。应当理解这样使用的数据在适当情况下可以互换，以便这里描述的实施例能够以除了在这里图示或描述的内容以外的顺序实施。In addition, the terms "first", "second", etc. in the description and claims of the embodiments of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It is to be understood that the data so used are interchangeable under appropriate circumstances so that the embodiments described herein can be practiced in sequences other than those illustrated or described herein.
在本文中提及的“多个或者若干个”是指两个或两个以上。“和/或”，描述关联对象的关联关系，表示可以存在三种关系，例如，A和/或B，可以表示：单独存在A，同时存在A和B，单独存在B这三种情况。字符“/”一般表示前后关联对象是一种“或”的关系。The "multiple or several" mentioned in this article means two or more. "And/or" describes the relationship between related objects, indicating that there can be three relationships. For example, A and/or B can mean: A exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the related objects are in an "or" relationship.
以下结合说明书附图对本发明的优选实施例进行说明，应当理解，此处所描述的优选实施例仅用于说明和解释本发明，并不用于限定本发明，并且在不冲突的情况下，本发明中的实施例及实施例中的特征可以相互组合。The preferred embodiments of the present invention will be described below in conjunction with the accompanying drawings. It should be understood that the preferred embodiments described here are only used to illustrate and explain the present invention, and are not used to limit the present invention. In the case of no conflict, the present invention The embodiments and features of the embodiments may be combined with each other.
如图1a所示，其为本发明实施例提供的应用场景示意图。具体实施时，为了实现在不同机构之间的转账，本发明实施例中，各个机构处理系统统一与转接平台连接。As shown in Figure 1a, it is a schematic diagram of an application scenario provided by an embodiment of the present invention. During specific implementation, in order to realize transfers between different institutions, in the embodiment of the present invention, the processing systems of each institution are uniformly connected to the transfer platform.
其中，各个机构处理系统通过接入层接入转接平台。接入方式可以但不限于为以下接入方式：专线接入、公网接入。转接平台与各个机构处理系统之间的通信协议可以但不限于采用TCP(Transmission Control Protocol，传输控制协议)和HTTP(Hyper TextTransport Protocol，超文本传输协议)等通信协议。两者之间交互的消息格式可以但限于XML(EXtensible Markup Language，可扩展标记语言)格式、JSON(JavaScript ObjectNotation，JavaScript对象表示法)格式、8583格式等。Among them, the processing systems of each institution are connected to the transfer platform through the access layer. The access method can be but is not limited to the following access methods: dedicated line access and public network access. The communication protocol between the transfer platform and each agency's processing system can be, but is not limited to, using communication protocols such as TCP (Transmission Control Protocol) and HTTP (Hyper Text Transport Protocol). The message format for interaction between the two can be but limited to XML (EXtensible Markup Language, extensible markup language) format, JSON (JavaScript ObjectNotation, JavaScript object notation) format, 8583 format, etc.
针对电子转账操作应用场景，图1a中将机构处理系统区分为收付机构处理系统和支付机构处理系统，其中，收付机构处理系统可以为收款用户开通支付账户的银行处理系统，支付机构处理系统可以为付款用户开通账户的银行处理系统。收款用户和付款用户在相应的银行处理系统中开通账户之后，获得用户账户信息，该用户账户信息可以为银行卡卡号。支付用户和收付用户通过各自的机构处理系统与对方交互。For the electronic transfer operation application scenario, the institution processing system is divided into a payment institution processing system and a payment institution processing system in Figure 1a. Among them, the payment institution processing system can open a bank processing system for a payment account for the payee user, and the payment institution processing system The system can open an account for the paying user's bank processing system. After the receiving user and the paying user open an account in the corresponding bank processing system, they obtain the user account information, which can be a bank card number. Paying users and receiving users interact with each other through their respective institutional processing systems.
本发明实施例提供的电子转账方法可以由转接平台实施，如图1a所示，转接平台可以包括以下功能模块：协议解析模块、联机处理模块、路由策略模块、报文封装模块和配置管理模块。The electronic transfer method provided by the embodiment of the present invention can be implemented by a transfer platform. As shown in Figure 1a, the transfer platform can include the following functional modules: protocol analysis module, online processing module, routing policy module, message encapsulation module and configuration management module.
其中，协议解析模块的主要功能是解析请求报文，并对报文中字段格式的合法性进行校验。本发明实施例中，主要涉及以下两种报文：电子转账请求报文和电子转账开通报文。Among them, the main function of the protocol parsing module is to parse the request message and verify the legality of the field format in the message. In the embodiment of the present invention, the following two types of messages are mainly involved: an electronic transfer request message and an electronic transfer activation message.
电子转账请求报文中包含的必要字段包括用户标识和转账金额，其中，用户标识可以但不限于包括收付用户的用户姓名和通信号码；电子转账开通报文中包含的必要字段包括用户标识和机构标识，该用户标识可以但不限于包括收付用户的用户姓名和通信号码。Necessary fields included in the electronic transfer request message include user identification and transfer amount, where the user identification may, but is not limited to, include the user name and communication number of the paying user; necessary fields included in the electronic transfer activation message include user identification and Institutional identification, the user identification may include, but is not limited to, the user name and communication number of the payment user.
联机处理模块的主要用于完成电子转账处理流程，具体如下：根据协议解析报文解析得到的电子转账请求报文，从中获取收付用户的用户标识，用户标识包括收付用户的用户姓名和通信号码，联机处理模块查找数据库中是否存储有该用户标识对应的机构标识，如果有，则说明收付用户已开通电子转账功能，调用报文封装模块，生成电子转账报文，并调用路由策略块，确定收付机构处理系统，以向相应的收付机构处理系统发送生成的电子转账报文；如果没有，则调用报文封装模块生成对方用户信息不存在的应答报文并返回。The online processing module is mainly used to complete the electronic transfer processing process. The details are as follows: According to the electronic transfer request message obtained by parsing the protocol message, the user ID of the paying user is obtained. The user ID includes the user name and communication of the paying user. number, the online processing module searches whether the institution ID corresponding to the user ID is stored in the database. If so, it means that the paying user has activated the electronic transfer function, calls the message encapsulation module, generates the electronic transfer message, and calls the routing policy block , determine the payment institution processing system to send the generated electronic transfer message to the corresponding payment institution processing system; if not, call the message encapsulation module to generate a response message that the other party's user information does not exist and return it.
联机处理模块还可以用于处理电子转账开通流程，具体如下：根据协议解析报文解析得到的电子转账开通请求报文中携带的用户标识和机构标识，查找数据库中是否存在两者之间的对应关系，如果存在，则说明用户已开通电子转账功能，调用报文封装模块生成电子转账已开通的应答报文返回给结构处理系统；如果不存在，则建立用户标识与机构标识之间的对应关系并存储至数据库，调用报文封装模块，生成电子转账开通成功的应答报文并返回。The online processing module can also be used to process the electronic transfer activation process, as follows: According to the user ID and institution identification carried in the electronic transfer activation request message obtained by parsing the protocol parsing message, find whether there is a correspondence between the two in the database If the relationship exists, it means that the user has activated the electronic transfer function, and the message encapsulation module is called to generate a response message that electronic transfer has been activated and returns it to the structure processing system; if it does not exist, the corresponding relationship between the user ID and the organization ID is established. And store it in the database, call the message encapsulation module, generate a response message indicating that the electronic transfer is successfully activated and return it.
路由策略模块，主要用于在转接平台与各个机构处理系统之间建立通信链路。根据联机处理模块查找到的机构标识确定与相应的结构处理系统之间的通信链路。The routing strategy module is mainly used to establish communication links between the transfer platform and the processing systems of various institutions. The communication link with the corresponding structural processing system is determined based on the organization identification found by the online processing module.
报文封装模块，主要用于生成与各个机构处理系统之间交互的应答报文以及电子转账报文等。The message encapsulation module is mainly used to generate response messages and electronic transfer messages for interaction with various agency processing systems.
配置管理模块，本发明实施例中，为了避免用户在各个机构的账户信息泄露至其他机构，提高电子转账的安全性，针对接入转接平台的每一机构，为其分配唯一机构标识，例如，该机构标识的长度可以为19位，如6250210000000000001等，应当理解上述机构标识仅用于示例，具体实施时，可以根据实际需要进行调整。另外，为各机构分配的机构标识可以由配置管理模块存储于转接平台的数据库中。Configuration management module, in the embodiment of the present invention, in order to prevent users' account information in various institutions from being leaked to other institutions and improve the security of electronic transfers, a unique institution identifier is assigned to each institution that accesses the transfer platform, for example , the length of the organization identification can be 19 digits, such as 6250210000000000001, etc. It should be understood that the above organization identification is only used as an example, and can be adjusted according to actual needs during specific implementation. In addition, the organization identification assigned to each organization may be stored in the database of the transfer platform by the configuration management module.
对于存在跨机构转账需求的用户，其可以向转接平台申请开通跨机构转账功能。如图1b所示，其为用户开通电子转账功能的应用场景示意图。用户10通过智能终端设备11中安装的应用客户端通过机构处理系统12向转接平台13提交电子转账开通请求，其中，应用客户端可以为各个机构的应用APP(应用程序)，例如，各银行机构的手机银行APP，电脑客户端等，应用客户端可以为网页的浏览器，也可以为安装于智能终端设备，如手机，平板电脑等中的应用程序客户端。智能终端设备11与机构处理系统12以及转接平台13之间通过网络进行通信连接，该网络可以为局域网、蜂窝网和广域网等。For users with inter-institution transfer needs, they can apply to the transfer platform to activate the inter-institution transfer function. As shown in Figure 1b, it is a schematic diagram of an application scenario for users to activate the electronic transfer function. The user 10 submits an electronic transfer activation request to the transfer platform 13 through the institution processing system 12 through the application client installed in the smart terminal device 11 , where the application client can be an application APP (application program) of each institution, for example, each bank The institution's mobile banking APP, computer client, etc., the application client can be a web browser, or it can be an application client installed on smart terminal devices, such as mobile phones, tablets, etc. The intelligent terminal device 11 is connected to the institutional processing system 12 and the transfer platform 13 through a network, which may be a local area network, a cellular network, a wide area network, etc.
以下结合图1b对开通电子转账的流程进行介绍，如图2所示，可以包括以下步骤：The following is an introduction to the process of activating electronic transfers in conjunction with Figure 1b, as shown in Figure 2, which may include the following steps:
S21、接收电子转账开通请求报文。S21. Receive the electronic transfer activation request message.
具体实施时，用户通过应用客户端向机构处理系统提交电子转账开通请求，其中携带有用户标识。其中用户标识可以为用户自身的通信号码和姓名。机构处理系统在接收到用户提交的电子转账开通请求报文之后，提取其中的用户标识，并向转接平台发送电子转账开通请求报文，其中携带有机构标识和提取的用户标识。其中，机构标识可以为机构APP标识。During specific implementation, the user submits an electronic transfer activation request to the institutional processing system through the application client, which carries the user ID. The user identification can be the user's own communication number and name. After receiving the electronic transfer activation request message submitted by the user, the institution processing system extracts the user ID and sends the electronic transfer activation request message to the transfer platform, which carries the institution ID and the extracted user ID. Among them, the organization logo can be the organization APP logo.
具体实施时，电子转账开通报文首先到达协议解析模块，协议解析模块解析接收到的报文，校验接收到的报文中是否包含有用户标识和机构标识等必要字段。如果校验通过，则将接收到的报文转交给联机处理模块，由联机处理模块执行电子转账开通流程。During specific implementation, the electronic transfer activation message first reaches the protocol parsing module, which parses the received message and verifies whether the received message contains necessary fields such as user identification and organization identification. If the verification passes, the received message will be forwarded to the online processing module, which will execute the electronic transfer activation process.
S22、查找已建立的用户标识与机构标识的对应关系中是否存在所述第二用户标识和第二机构标识的对应关系，如果是，执行步骤S23，如果否，执行步骤S24。S22. Find whether there is a corresponding relationship between the second user identification and the second organization identification in the established correspondence between the user identification and the organization identification. If yes, perform step S23. If not, perform step S24.
本步骤中，联机处理模块在接收到协议解析模块转交的电子转账开通报文之后，提取其中的用户标识和机构标识，并在数据库中存储的、已建立的用户标识与机构标识的对应关系中是否存在两者之间的对应关系。In this step, after receiving the electronic transfer activation message transferred by the protocol parsing module, the online processing module extracts the user identification and organization identification in it, and stores them in the database in the established correspondence between the user identification and organization identification. Is there a correspondence between the two?
S23、返回电子转账已开通的应答报文，流程结束。S23. Return a response message that electronic transfer has been activated, and the process ends.
具体实施时，如果联机处理模块在数据库中查找到电子转账开通请求报文中携带的用户标识和机构标识之间的对应关系，则调用报文封装模块，生成电子转账已开通的应答报文，并返回给机构处理系统。During specific implementation, if the online processing module finds the correspondence between the user ID and the organization ID carried in the electronic transfer activation request message in the database, it calls the message encapsulation module to generate a response message that electronic transfer has been activated. and returned to the agency processing system.
S24、建立所述第二用户标识和第二机构标识的对应关系并存储。S24. Establish a corresponding relationship between the second user identification and the second organization identification and store it.
如果联机处理模块在数据库中未查找到电子转账开通请求报文中携带的用户标识和机构标识之间的对应关系，则建立两者之间的对应关系并存储至数据库中。具体实施时，联机处理模块还可以调用报文封装模块，生成电子转账开通成功的应答报文并返回。If the online processing module does not find the corresponding relationship between the user identification and the organization identification carried in the electronic transfer activation request message in the database, it establishes the corresponding relationship between the two and stores it in the database. During specific implementation, the online processing module can also call the message encapsulation module to generate and return a response message indicating that the electronic transfer is successfully activated.
至此，用户完成了电子转账功能开通流程，后续如果用户需要进行电子转账，则可以按照图3所示的流程实施：At this point, the user has completed the electronic transfer function activation process. If the user needs to perform electronic transfer later, he can follow the process shown in Figure 3:
S31、接收电子转账请求报文。S31. Receive the electronic transfer request message.
具体实施时，支付用户通过应用客户端向支付机构处理系统提交电子转账请求，其中携带有收付用户的用户标识。其中，收付用户的用户标识可以为该用户的通信号码和姓名，其中，收付用户的通信号码可以为手机号码，也可以为即时通信号码等等，如果为通讯录中的手机号码，则支付用户可以通过应用客户端调用手机通讯录选择相应的手机号码。During specific implementation, the paying user submits an electronic transfer request to the payment institution processing system through the application client, which carries the user ID of the paying user. Among them, the user ID of the paying user can be the user's communication number and name. The communication number of the paying user can be a mobile phone number, an instant messaging number, etc. If it is a mobile phone number in the address book, then The payment user can call the mobile phone address book through the application client to select the corresponding mobile phone number.
应答理解，具体实施时，在电子转账请求报文中还应当包含转账金额。The response understands that during specific implementation, the electronic transfer request message should also include the transfer amount.
支付机构处理系统在接收到支付用户提交的电子转账请求报文之后，提取其中的用户标识和转账金额，并向转接平台发送电子转账请求报文，其中携带有机构标识和提取的用户标识，其中，机构标识可以为支付机构对应的机构标识。After receiving the electronic transfer request message submitted by the payment user, the payment institution processing system extracts the user identification and transfer amount, and sends the electronic transfer request message to the transfer platform, which carries the institution identification and the extracted user identification. Among them, the institution identification may be the institution identification corresponding to the payment institution.
在转接平台一侧，电子转账请求报文首先到达协议解析模块，协议解析模块解析接收到的报文，校验接收到的报文中是否包含有用户标识和转账金额等必要字段。如果校验通过，则将接收到的报文转交给联机处理模块，由联机处理模块执行电子转账流程。On the transfer platform side, the electronic transfer request message first reaches the protocol parsing module. The protocol parsing module parses the received message and verifies whether the received message contains necessary fields such as user identification and transfer amount. If the verification passes, the received message will be forwarded to the online processing module, which will execute the electronic transfer process.
S32、查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识，如果是，则执行步骤S33，如果否，执行步骤S34。S32. Find whether there is a first organization identification corresponding to the first user identification in the pre-established correspondence between the user identification and the organization identification. If yes, perform step S33. If not, perform step S34.
具体实施时，联机处理模块在接收到协议解析模块转交的电子转账请求报文之后，提取其中的用户标识，并在数据库中存储的、已建立的用户标识与机构标识的对应关系中是否存在该用户标识对应的机构标识。如果是，说明收付用户已开通电子转账功能，如果否，则说明收付用户未开通电子转账功能。During specific implementation, after receiving the electronic transfer request message transferred by the protocol parsing module, the online processing module extracts the user ID in it and checks whether the corresponding relationship between the user ID and the organization ID stored in the database exists. The organization ID corresponding to the user ID. If yes, it means that the payment user has activated the electronic transfer function. If not, it means that the payment user has not activated the electronic transfer function.
S33、根据查找到的第一机构标识，向机构处理系统发送电子转账报文，流程结束。S33. According to the found first institution identifier, send the electronic transfer message to the institution processing system, and the process ends.
本步骤中，如果查找到电子转账请求报文中携带的用户标识对应的机构标识，则调用报文封装模块生成电子转账报文，其中携带有用户标识和转账金额，并调用路由策略模块，根据查找到的机构标识确定收付机构处理系统对应的通信链路，通过确定出的通信链路向相应的收付机构处理系统发送生成的电子转账报文，收付机构处理系统在接收到电子转账报文之后，根据其中的用户标识查找其对应的用户账户信息完成转账操作。In this step, if the institution ID corresponding to the user ID carried in the electronic transfer request message is found, the message encapsulation module is called to generate the electronic transfer message, which carries the user ID and transfer amount, and the routing policy module is called. According to The found institution identifier determines the communication link corresponding to the collection and payment institution processing system, and sends the generated electronic transfer message to the corresponding collection and payment institution processing system through the determined communication link. The collection and payment institution processing system receives the electronic transfer After receiving the message, the corresponding user account information is searched based on the user ID in the message to complete the transfer operation.
S34、返回对方用户信息不存在的应答报文。S34. Return a response message indicating that the other party's user information does not exist.
具体实施时，如果未查找到电子转账请求报文中携带的用户标识对应的机构标识，则调用报文封装模块，生成对方用户信息不存在的应答报文，并向支付机构处理系统返回生成的应答报文。During specific implementation, if the institution ID corresponding to the user ID carried in the electronic transfer request message is not found, the message encapsulation module is called to generate a response message that the other party's user information does not exist, and the generated message is returned to the payment institution processing system. Reply message.
需要说明的是，本发明实施例中，支付用户和支付用户以及支付机构处理系统和收付机构处理系统是相对而言的，在电子转账过程中，付款用户及其所属的机构处理系统分别称为支付用户和支付用户以及支付机构处理系统，收款用户及其所属的机构处理系统分别称为收付用户和收付用户以及支付机构处理系统。It should be noted that in the embodiment of the present invention, the payment user and the payment user as well as the payment institution processing system and the payment institution processing system are relative terms. During the electronic transfer process, the paying user and the institution processing system to which it belongs are called respectively. The payment user and the payment institution processing system are respectively called the payment user and the payment institution processing system.
为了更好的理解本发明实施例，以下结合支付机构处理系统、收付机构处理系统以及转接平台之间的交互流程，以基于通讯录中的手机号码进行电子转账为例，对本发明实施例中提供的电子转账开通流程和电子转账流程的具体实施过程进行说明。In order to better understand the embodiments of the present invention, the following will combine the interaction process between the payment institution processing system, the payment institution processing system and the transfer platform, taking electronic transfer based on the mobile phone number in the address book as an example to describe the embodiments of the present invention. Describe the electronic transfer activation process and the specific implementation process of the electronic transfer process provided in .
其中，电子转账开通流程以收付用户开通电子转账功能的流程为例进行描述，另外，本例中以收付用户首次开通电子转账功能为例，如图4所示，可以包括以下步骤：Among them, the electronic transfer activation process is described by taking the process of the payment user activating the electronic transfer function as an example. In addition, in this example, the payment user activates the electronic transfer function for the first time as an example, as shown in Figure 4, which may include the following steps:
S41、收付机构处理系统接收用户提交的电子转账开通请求。S41. The payment institution processing system receives the electronic transfer activation request submitted by the user.
具体实施时，用户可以通过收付机构应用客户端向收付机构处理系统提交电子转账开通请求，其中携带有用户标识。该用户标识包括用户姓名和用户的手机号码。During specific implementation, the user can submit an electronic transfer activation request to the payment institution processing system through the payment institution application client, which carries the user identification. This user identification includes the user's name and the user's mobile phone number.
S42、收付机构处理系统向转接平台发送电子转账开通请求报文。S42. The payment institution processing system sends an electronic transfer activation request message to the transfer platform.
其中，收付机构处理系统向转接平台发送电子转账开通请求报文中携带有用户标识和机构标识，这里的机构标识为转接平台为收付机构分配的机构标识。Among them, the electronic transfer activation request message sent by the collection and payment institution processing system to the transfer platform carries the user ID and the institution ID. The institution ID here is the institution ID assigned by the transfer platform to the collection and payment institution.
S43、转接平台建立电子转账开通请求报文中携带的用户标识和机构标识之间的对应关系。S43. The transfer platform establishes a correspondence between the user ID and the organization ID carried in the electronic transfer activation request message.
本例中，以收付用户首次提交电子转账开通请求为例进行说明，至此，完成了收付用户开通电子转账功能的流程。In this example, the payment user submits an electronic transfer activation request for the first time as an example. At this point, the process for the payment user to activate the electronic transfer function is completed.
S44、支付机构处理系统接收支付用户提交的电子转账请求。S44. The payment institution processing system receives the electronic transfer request submitted by the payment user.
本步骤中，支付用户通过支付机构应用客户端调用手机通讯录选择收付用户的手机号码并输入收付用户的用户姓名和转账金额后，向支付机构处理系统提交电子转账请求。In this step, the paying user calls the mobile phone address book through the payment institution application client to select the paying user's mobile phone number and enters the paying user's user name and transfer amount, and then submits an electronic transfer request to the payment institution processing system.
S45、支付机构处理系统向转接平台发送电子转账请求报文。S45. The payment institution processing system sends an electronic transfer request message to the transfer platform.
具体实施时，支付机构处理系统提取电子转账请求中的收付用户的手机号码和收付用户姓名以及转账金额，生成电子转账请求报文并发送给转接平台。During the specific implementation, the payment institution processing system extracts the mobile phone number and name of the payment user and the transfer amount in the electronic transfer request, generates an electronic transfer request message and sends it to the transfer platform.
S46、转接平台根据其中的手机号码和用户姓名查找对应的收付机构标识。S46. The transfer platform searches for the corresponding payment institution identifier based on the mobile phone number and user name.
具体实施时，转接平台在接收到电子转账请求报文之后，首先对电子转账请求报文中的必要字段进行校验，在校验通过之后，根据其中携带的手机号码和用户姓名查找收付机构标识。During the specific implementation, after receiving the electronic transfer request message, the transfer platform first verifies the necessary fields in the electronic transfer request message. After passing the verification, it searches for the receipt and payment based on the mobile phone number and user name carried in it. Institutional identification.
S47、转接平台根据查找到的收付机构标识，向收付机构发送电子转账报文。S47. The transfer platform sends an electronic transfer message to the payment institution based on the found payment institution identifier.
本步骤中，转接平台查找到收付机构标识之后，生成电子转账报文，其中携带有收付用户手机号码和姓名以及转战金额，并根据查找到的收付机构标识，向对应的收付机构处理系统发送生成的电子转账报文。In this step, after the transfer platform finds the identification of the payment institution, it generates an electronic transfer message, which carries the mobile phone number and name of the payment user as well as the transfer amount, and based on the found identification of the payment institution, transfers the message to the corresponding payment institution. The institutional processing system sends the generated electronic transfer message.
S48、收付机构处理系统根据电子转账报文中的收付用户手机号码和姓名查找对应的账户信息并完成转账。S48. The payment institution processing system searches for the corresponding account information based on the mobile phone number and name of the payment user in the electronic transfer message and completes the transfer.
至此，完成了电子转账流程。At this point, the electronic transfer process is completed.
本发明实施例提供的电子转账方法中，通过预先建立用户标识与机构标识的对应关系，在进行电子转账操作时，只需提供用户标识，根据用户标识查找其对应的机构标识，并根据查找到的机构标识向对应的机构处理系统发送电子转账请求，由其根据用户标识查找对应的用户账户信息并完成电子转账操作，上述过程中，支付机构和转接平台均未获得用户账户信息，从而降低了用户账户信息被泄露的风险，提高了电子转账的安全性。而且，上述流程中，在没有获得用户账户信息的情况下，仍然能够完成电子转账操作，从而提高了电子转账的成功率。In the electronic transfer method provided by the embodiment of the present invention, by pre-establishing the corresponding relationship between the user identification and the organization identification, when performing the electronic transfer operation, only the user identification is required, and the corresponding organization identification is searched based on the user identification, and the corresponding organization identification is searched based on the found The institution identification sends an electronic transfer request to the corresponding institution processing system, which searches for the corresponding user account information based on the user identification and completes the electronic transfer operation. During the above process, neither the payment institution nor the transfer platform obtains the user account information, thus reducing the It reduces the risk of user account information being leaked and improves the security of electronic transfers. Moreover, in the above process, the electronic transfer operation can still be completed without obtaining the user account information, thus improving the success rate of electronic transfers.
基于同一发明构思，本发明实施例中还提供了一种电子转账装置，由于上述装置解决问题的原理与电子转账方法相似，因此上述装置的实施可以参见方法的实施，重复之处不再赘述。Based on the same inventive concept, the embodiment of the present invention also provides an electronic transfer device. Since the principle of solving the problem of the above device is similar to that of the electronic transfer method, the implementation of the above device can be referred to the implementation of the method, and repeated details will not be repeated.
如图5所示，其为本发明实施例提供的电子转账方法的实施流程示意图，可以包括：As shown in Figure 5, it is a schematic flowchart of the implementation of the electronic transfer method provided by the embodiment of the present invention, which may include:
第一接收单元51，用于接收电子转账请求报文，所述电子转账请求报文中携带有第一用户标识；The first receiving unit 51 is configured to receive an electronic transfer request message, where the electronic transfer request message carries a first user identification;
第一查找单元52，用于查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识；The first search unit 52 is configured to search whether there is a first organization identification corresponding to the first user identification in the pre-established corresponding relationship between the user identification and the organization identification;
应答单元53，用于在所述第一查找单元查找到所述第一用户标识对应的第一机构标识时，根据查找到的第一机构标识，向机构处理系统发送电子转账报文，所述电子转账报文中携带有所述第一用户标识，由所述机构处理系统根据所述第一用户标识查找对应的用户账户信息并完成电子转账操作。The response unit 53 is configured to send an electronic transfer message to the institution processing system according to the found first institution identification when the first search unit finds the first institution identification corresponding to the first user identification. The electronic transfer message carries the first user identification, and the institution processing system searches for the corresponding user account information based on the first user identification and completes the electronic transfer operation.
可选地，本发明实施例提供的电子转账装置，还包括：Optionally, the electronic transfer device provided by this embodiment of the present invention also includes:
第二接收单元，用于接收电子转账开通请求报文，所述电子转账开通请求报文中携带有第二用户标识和第二机构标识；A second receiving unit configured to receive an electronic transfer activation request message, where the electronic transfer activation request message carries a second user identification and a second organization identification;
第二查找单元，用于查找已建立的用户标识与机构标识的对应关系中是否存在所述第二用户标识和第二机构标识的对应关系；The second search unit is used to search whether there is a corresponding relationship between the second user identifier and the second agency identifier among the established correspondence relationships between user identifiers and organization identifiers;
建立单元，用于如果所述第二查找单元未查找到所述第二用户标识和第二机构标识的对应关系，则建立所述第二用户标识和第二机构标识的对应关系并存储。An establishing unit, configured to establish and store the corresponding relationship between the second user identification and the second organization identification if the second searching unit does not find the corresponding relationship between the second user identification and the second organization identification.
可选地，所述应答单元，还用于如果所述第二查找单元查找到所述第二用户标识和第二机构标识的对应关系，则返回电子转账已开通的应答报文。Optionally, the response unit is also configured to return a response message that electronic transfer has been enabled if the second search unit finds the corresponding relationship between the second user identification and the second institution identification.
可选地，所述应答单元，还用于如果所述第一查找单元未查找到所述第一用户标识对应的第一机构标识，则返回对方用户信息不存在的应答报文。Optionally, the response unit is also configured to return a response message indicating that the other party's user information does not exist if the first search unit does not find the first organization identifier corresponding to the first user identifier.
可选地，所述第一用户标识或者所述第二用户标识包括通信号码和/或用户姓名。Optionally, the first user identification or the second user identification includes a communication number and/or a user name.
为了描述的方便，以上各部分按照功能划分为各模块(或单元)分别描述。当然，在实施本发明时可以把各模块(或单元)的功能在同一个或多个软件或硬件中实现。For the convenience of description, each of the above parts is divided into modules (or units) according to their functions and described separately. Of course, when implementing the present invention, the functions of each module (or unit) can be implemented in the same or multiple software or hardware.
在介绍了本发明示例性实施方式的电子转账方法和装置之后，接下来，介绍根据本发明的另一示例性实施方式的计算装置。After introducing the electronic transfer method and device according to the exemplary embodiment of the present invention, next, a computing device according to another exemplary embodiment of the present invention is introduced.
所属技术领域的技术人员能够理解，本发明的各个方面可以实现为系统、方法或程序产品。因此，本发明的各个方面可以具体实现为以下形式，即：完全的硬件实施方式、完全的软件实施方式(包括固件、微代码等)，或硬件和软件方面结合的实施方式，这里可以统称为“电路”、“模块”或“系统”。Those skilled in the art will understand that various aspects of the present invention may be implemented as systems, methods or program products. Therefore, various aspects of the present invention can be implemented in the following forms, namely: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software implementations, which may be collectively referred to herein as "Circuits", "modules" or "systems".
在一些可能的实施方式中，根据本发明的计算装置可以至少包括至少一个处理器、以及至少一个存储器。其中，所述存储器存储有程序代码，当所述程序代码被所述处理器执行时，使得所述处理器执行本说明书上述描述的根据本发明各种示例性实施方式的电子转账方法中的步骤。例如，所述处理器可以执行如图3中所示的步骤S31、接收电子转账请求报文，和步骤S32、查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识，如果是，则执行步骤S33，如果否，执行步骤S34；以及步骤S33、根据查找到的第一机构标识，向机构处理系统发送电子转账报文；步骤S34、返回对方用户信息不存在的应答报文。In some possible implementations, the computing device according to the present invention may include at least one processor and at least one memory. Wherein, the memory stores program code. When the program code is executed by the processor, the processor is caused to perform the steps in the electronic transfer method according to various exemplary embodiments of the present invention described above in this specification. . For example, the processor may perform step S31 as shown in Figure 3 to receive the electronic transfer request message, and step S32 to find whether the first user identification exists in the pre-established correspondence between the user identification and the institution identification. Corresponding first institution identification, if yes, execute step S33; if not, execute step S34; and step S33, send an electronic transfer message to the institution processing system according to the found first institution identification; step S34, return to the other party A response message indicating that the user information does not exist.
下面参照图6来描述根据本发明的这种实施方式的计算装置60。图6显示的计算装置60仅仅是一个示例，不应对本发明实施例的功能和使用范围带来任何限制。A computing device 60 according to this embodiment of the invention is described below with reference to FIG. 6 . The computing device 60 shown in FIG. 6 is only an example and should not bring any limitations to the functions and scope of use of the embodiments of the present invention.
如图6所示，计算装置60以通用计算设备的形式表现。计算装置60的组件可以包括但不限于：上述至少一个处理器61、上述至少一个存储器62、连接不同系统组件(包括存储器62和处理器61)的总线63。As shown in Figure 6, computing device 60 is embodied in the form of a general computing device. The components of the computing device 60 may include, but are not limited to: the above-mentioned at least one processor 61, the above-mentioned at least one memory 62, and a bus 63 connecting different system components (including the memory 62 and the processor 61).
总线63表示几类总线结构中的一种或多种，包括存储器总线或者存储器控制器、外围总线、处理器或者使用多种总线结构中的任意总线结构的局域总线。Bus 63 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, or a local bus using any of a variety of bus structures.
存储器62可以包括易失性存储器形式的可读介质，例如随机存取存储器(RAM)621和/或高速缓存存储器622，还可以进一步包括只读存储器(ROM)623。Memory 62 may include readable media in the form of volatile memory, such as random access memory (RAM) 621 and/or cache memory 622, and may further include read only memory (ROM) 623.
存储器62还可以包括具有一组(至少一个)程序模块624的程序/实用工具625，这样的程序模块624包括但不限于：操作系统、一个或者多个应用程序、其它程序模块以及程序数据，这些示例中的每一个或某种组合中可能包括网络环境的实现。Memory 62 may also include a program/utility 625 having a set of (at least one) program modules 624 including, but not limited to: an operating system, one or more application programs, other program modules, and program data. Each of the examples, or some combination thereof, may include the implementation of a network environment.
计算装置60也可以与一个或多个外部设备64(例如键盘、指向设备等)通信，还可与一个或者多个使得用户能与计算装置60交互的设备通信，和/或与使得该计算装置60能与一个或多个其它计算设备进行通信的任何设备(例如路由器、调制解调器等等)通信。这种通信可以通过输入/输出(I/O)接口65进行。并且，计算装置60还可以通过网络适配器66与一个或者多个网络(例如局域网(LAN)，广域网(WAN)和/或公共网络，例如因特网)通信。如图所示，网络适配器66通过总线63与用于计算装置60的其它模块通信。应当理解，尽管图中未示出，可以结合计算装置60使用其它硬件和/或软件模块，包括但不限于：微代码、设备驱动器、冗余处理器、外部磁盘驱动阵列、RAID系统、磁带驱动器以及数据备份存储系统等。Computing device 60 may also communicate with one or more external devices 64 (e.g., keyboard, pointing device, etc.), may also communicate with one or more devices that enable a user to interact with computing device 60, and/or with one or more devices that enable the computing device 60 to 60 Any device (eg, router, modem, etc.) capable of communicating with one or more other computing devices. This communication may occur through input/output (I/O) interface 65. Furthermore, computing device 60 may also communicate with one or more networks (eg, a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through network adapter 66. As shown, network adapter 66 communicates with other modules for computing device 60 via bus 63 . It should be understood that, although not shown in the figures, other hardware and/or software modules may be used in conjunction with computing device 60, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID systems, tape drives And data backup storage system, etc.
在一些可能的实施方式中，本发明提供的电子转账方法的各个方面还可以实现为一种程序产品的形式，其包括程序代码，当所述程序产品在计算机设备上运行时，所述程序代码用于使所述计算机设备执行本说明书上述描述的根据本发明各种示例性实施方式的电子转账方法中的步骤，例如，所述计算机设备可以执行如图3中所示的步骤S31、接收电子转账请求报文，和步骤S32、查找预先建立的用户标识与机构标识的对应关系中是否存在所述第一用户标识对应的第一机构标识，如果是，则执行步骤S33，如果否，执行步骤S34；以及步骤S33、根据查找到的第一机构标识，向机构处理系统发送电子转账报文；步骤S34、返回对方用户信息不存在的应答报文。In some possible implementations, various aspects of the electronic transfer method provided by the present invention can also be implemented in the form of a program product, which includes program code. When the program product is run on a computer device, the program code For causing the computer device to perform the steps in the electronic transfer method according to various exemplary embodiments of the present invention described above in this specification, for example, the computer device can perform step S31 as shown in Figure 3, receiving electronic funds. Transfer request message, and step S32: Find whether there is a first organization identification corresponding to the first user identification in the pre-established correspondence between user identification and organization identification. If yes, perform step S33. If not, perform step S33. S34; and step S33, send an electronic transfer message to the institution processing system according to the found first institution identifier; step S34, return a response message that the other party's user information does not exist.
所述程序产品可以采用一个或多个可读介质的任意组合。可读介质可以是可读信号介质或者可读存储介质。可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。可读存储介质的更具体的例子(非穷举的列表)包括：具有一个或多个导线的电连接、便携式盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。The program product may take the form of any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination thereof. More specific examples (non-exhaustive list) of readable storage media include: electrical connection with one or more conductors, portable disk, hard disk, random access memory (RAM), read only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
本发明的实施方式的用于电子转账的程序产品可以采用便携式紧凑盘只读存储器(CD-ROM)并包括程序代码，并可以在计算设备上运行。然而，本发明的程序产品不限于此，在本文件中，可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。The program product for electronic transfers of embodiments of the present invention may take the form of a portable compact disk read-only memory (CD-ROM) and include the program code, and may be run on a computing device. However, the program product of the present invention is not limited thereto. In this document, a readable storage medium may be any tangible medium containing or storing a program that may be used by or in combination with an instruction execution system, apparatus or device.
可读信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了可读程序代码。这种传播的数据信号可以采用多种形式，包括——但不限于——电磁信号、光信号或上述的任意合适的组合。可读信号介质还可以是可读存储介质以外的任何可读介质，该可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave carrying readable program code therein. Such propagated data signals may take a variety of forms, including - but not limited to - electromagnetic signals, optical signals, or any suitable combination of the above. A readable signal medium may also be any readable medium other than a readable storage medium that can send, propagate, or transport the program for use by or in connection with an instruction execution system, apparatus, or device.
可读介质上包含的程序代码可以用任何适当的介质传输，包括——但不限于——无线、有线、光缆、RF等等，或者上述的任意合适的组合。Program code embodied on a readable medium may be transmitted using any suitable medium, including - but not limited to - wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
可以以一种或多种程序设计语言的任意组合来编写用于执行本发明操作的程序代码，所述程序设计语言包括面向对象的程序设计语言—诸如Java、C++等，还包括常规的过程式程序设计语言—诸如“C”语言或类似的程序设计语言。程序代码可以完全地在用户计算设备上执行、部分地在用户设备上执行、作为一个独立的软件包执行、部分在用户计算设备上部分在远程计算设备上执行、或者完全在远程计算设备或服务器上执行。在涉及远程计算设备的情形中，远程计算设备可以通过任意种类的网络——包括局域网(LAN)或广域网(WAN)—连接到用户计算设备，或者，可以连接到外部计算设备(例如利用因特网服务提供商来通过因特网连接)。Program code for performing the operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages such as Java, C++, etc., as well as conventional procedural Programming language—such as "C" or a similar programming language. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server execute on. In situations involving remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., utilizing an Internet service provider to connect via the Internet).
应当注意，尽管在上文详细描述中提及了装置的若干单元或子单元，但是这种划分仅仅是示例性的并非强制性的。实际上，根据本发明的实施方式，上文描述的两个或更多单元的特征和功能可以在一个单元中具体化。反之，上文描述的一个单元的特征和功能可以进一步划分为由多个单元来具体化。It should be noted that although several units or sub-units of the device are mentioned in the above detailed description, this division is only exemplary and not mandatory. In fact, according to embodiments of the present invention, the features and functions of two or more units described above may be embodied in one unit. Conversely, the features and functions of a unit described above may be further divided into embodiments of a plurality of units.
此外，尽管在附图中以特定顺序描述了本发明方法的操作，但是，这并非要求或者暗示必须按照该特定顺序来执行这些操作，或是必须执行全部所示的操作才能实现期望的结果。附加地或备选地，可以省略某些步骤，将多个步骤合并为一个步骤执行，和/或将一个步骤分解为多个步骤执行。Furthermore, although the operations of the methods of the present invention are depicted in a particular order in the drawings, this does not require or imply that the operations must be performed in that particular order, or that all of the illustrated operations must be performed to achieve desired results. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step for execution, and/or one step may be broken down into multiple steps for execution.
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、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。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、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。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程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。The invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing device produce a use A device for realizing the functions specified in one process or multiple processes of the flowchart and/or one block or multiple blocks of the block diagram.
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。These computer program instructions may also be stored in a computer-readable memory that causes a computer or other programmable data processing apparatus to operate in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction means, the instructions The device implements the functions specified in a process or processes of the flowchart and/or a block or blocks of the block diagram.
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。These computer program instructions may also be loaded onto a computer or other programmable data processing device, causing a series of operating steps to be performed on the computer or other programmable device to produce computer-implemented processing, thereby executing on the computer or other programmable device. Instructions provide steps for implementing the functions specified in a process or processes of a flowchart diagram and/or a block or blocks of a block diagram.
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例做出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。Although the preferred embodiments of the present invention have been described, those skilled in the art will be able to make additional changes and modifications to these embodiments once the basic inventive concepts are apparent. Therefore, it is intended that the appended claims be construed to include the preferred embodiments and all changes and modifications that fall within the scope of the invention.
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the invention. In this way, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and equivalent technologies, the present invention is also intended to include these modifications and variations.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628977.2ACN109697607B (en) | 2018-12-28 | 2018-12-28 | Electronic transfer method, device and storage medium |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811628977.2ACN109697607B (en) | 2018-12-28 | 2018-12-28 | Electronic transfer method, device and storage medium |
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| CN109697607A CN109697607A (en) | 2019-04-30 |
| CN109697607Btrue CN109697607B (en) | 2024-02-27 |
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|---|---|---|---|
| CN201811628977.2AActiveCN109697607B (en) | 2018-12-28 | 2018-12-28 | Electronic transfer method, device and storage medium |
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