CN103761484A

CN103761484A - Resource transfer managing method, resource transfer managing device and resource transfer managing system

Info

Publication number: CN103761484A
Application number: CN201410008680.1A
Authority: CN
Inventors: 张小龙; 叶娃; 蔡润达; 徐佳杰; 毛蔚; 卢强; 陈巍; 卓达城; 徐震宇
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2014-01-08
Filing date: 2014-01-08
Publication date: 2014-04-30
Anticipated expiration: 2034-01-08
Also published as: JP2017504090A; WO2015103922A1; JP6444401B2; CN103761484B

Abstract

The invention discloses a resource transfer managing method, a resource transfer managing device and a resource transfer managing system, and belongs to the field of Internet technology. The resource transfer managing method includes that a management server receives resource transfer numerical value sent via a first terminal and acquires identity information from a second terminal; the management server confirms a register account of the second terminal according to the identity information; the management server performs resource transfer from a resource pool account corresponding to the register account to a resource pool account corresponding to the first terminal according to the resource transfer numerical value, and deducts the resource transfer numerical value from available resource upper limit corresponding to the register account. With the resource transfer managing method, the resource transfer managing device and the resource transfer managing system, rate of resource transfer quantity control can be increased.

Description

A kind of methods, devices and systems of resource transfers management

Technical field

The present invention relates to Internet technical field, particularly a kind of methods, devices and systems of resource transfers management.

Background technology

Offline resources shifts (as offline electronic payment) and refers to that user carries out resource transfers in the situation that not needing interconnection network, offline resources shifts generally the mode that can show identity documents (being generally the identity information of electronics) to the object of resource transfers by user and carries out resource transfers, for example, resource card, wherein can store user's identity information, and storing the resource of some, user swipes the card at card swiping terminal place, just can complete resource transfers.

The mode that offline resources shifts is often applied to the scene that small amount is exempted from close resource transfers, small amount is exempted from password resource transfers and is referred to that resource transfers numerical value is smaller, lower to security level required, can be in order to avoid the resource transfers process of input password, for example, use resource card to carry out the process of resource transfers.User can carry out resource to resource card in the site of appointment and supplement, and then uses the resource card resource transfers of swiping the card at corresponding card swiping terminal place, and card swiping terminal can be deducted the numerical value that needs resource transfers in the surplus resources numerical value of resource card.For the consideration of security, the resource transfers amount that user need to shift this offline resources is controlled, and the general method adopting is to control the supplementary numerical value of resource, keeps only having less surplus resources numerical value in resource card.

In realizing process of the present invention, inventor finds that prior art at least exists following problem:

In prior art, by controlling resource, supplement the mode of numerical value, resource transfers amount to resource card is controlled, because the surplus resources numerical value of Payment Card is less, needing user to go to frequently the site of above-mentioned appointment to carry out resource to resource card supplements, the waste plenty of time, thus it is comparatively low to cause carrying out the efficiency of resource transfers amount control.

Summary of the invention

In order to solve the problem of prior art, the embodiment of the present invention provides a kind of methods, devices and systems of resource transfers management, to improve the efficiency of carrying out the control of resource transfers amount.Described technical scheme is as follows:

First aspect, a kind of method that provides resource transfers to manage, described method comprises:

Management server receives first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal;

Described management server, according to described identity information, is determined the logon account of described the second terminal;

Described management server is according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Second aspect, a kind of method that provides resource transfers to manage, described method comprises:

First terminal obtains current resource transfers numerical value;

Described first terminal obtains identity information from the second terminal;

Described first terminal sends described resource transfers numerical value and described identity information to management server; So that described management server is according to described identity information, determine the logon account of described the second terminal, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

The third aspect, provides a kind of management server, and described management server comprises:

Receiver module, for receiving first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal;

Determination module, for according to described identity information, determines the logon account of described the second terminal;

Administration module, be used for according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Fourth aspect, provides a kind of first terminal, and described first terminal comprises:

Acquisition module, for obtaining current resource transfers numerical value; From the second terminal, obtain identity information;

Sending module, for sending described resource transfers numerical value and described identity information to management server; So that described management server is according to described identity information, determine the logon account of described the second terminal, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

The 5th aspect, the system that provides a kind of resource transfers to manage, described system comprises first terminal, the second terminal and management server, wherein:

Described first terminal, for obtaining current resource transfers numerical value; From described the second terminal, obtain identity information; To described management server, send described resource transfers numerical value and described identity information;

Described management server, for receiving described first terminal the resource transfers numerical value sending and the identity information that is obtained from described the second terminal; According to described identity information, determine the logon account of described the second terminal; According to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

The beneficial effect that the technical scheme that the embodiment of the present invention provides is brought is:

In the embodiment of the present invention, in small amount, exempting from close offline resources shifts in application, logon account is arranged to the available resources upper limit of resource transfers, according to resource transfers numerical value, the available resources upper limit is dynamically deducted, by such mode, resource transfers amount is controlled, like this, without surplus resources numerical value is limited, removed the supplementary process of frequent resource from, can improve the efficiency of carrying out the control of resource transfers amount.

Accompanying drawing explanation

In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing of required use during embodiment is described is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.

Fig. 1 is the method flow diagram of the resource transfers management that provides of the embodiment of the present invention;

Fig. 2 is the method flow diagram of the resource transfers management that provides of the embodiment of the present invention;

Fig. 3 is the method flow diagram of the resource transfers management that provides of the embodiment of the present invention;

Fig. 4 is the structural representation of the management server that provides of the embodiment of the present invention;

Fig. 5 is the structural representation of the first terminal that provides of the embodiment of the present invention;

Fig. 6 is the structural representation of the management server that provides of the embodiment of the present invention.

Embodiment

For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing, embodiment of the present invention is described further in detail.

Embodiment mono-

The embodiment of the present invention provides a kind of method of resource transfers management, and the method can be realized jointly by first terminal, the second terminal and management server.

As shown in Figure 1, in the method, the treatment scheme of management server can comprise the steps:

Step 101, management server receives first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal.

Step 102, management server, according to the identity information receiving, is determined the logon account of the second terminal.

Step 103, management server is according to the resource transfers numerical value receiving, carry out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to the logon account of the second terminal, and deduct this resource transfers numerical value in the available resources upper limit corresponding to this logon account.

As shown in Figure 2, in the method, the treatment scheme of first terminal can comprise the steps:

Step 201, first terminal obtains current resource transfers numerical value.

Step 202, first terminal obtains identity information from the second terminal.

Step 203, first terminal sends resource transfers numerical value and the identity information obtaining to management server, so that management server is according to this identity information, determine the logon account of the second terminal, according to this resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to this logon account, and deduct this resource transfers numerical value in the available resources upper limit corresponding to this logon account.

Embodiment bis-

The embodiment of the present invention provides a kind of method of resource transfers management, and the method can be realized jointly by first terminal, the second terminal and management server.Wherein, first terminal can be the terminal for charging, and as machine for punching the card etc., can be mobile terminal or terminal console etc., and first application program with resource transfers function can be installed in first terminal.。The second terminal can be the mobile terminal that user carries, and as smart mobile phone, panel computer etc., second application program with resource transfers function can be installed in the second terminal.Resource transfers function can be resource to be transferred to the function of another resources bank account by a resources bank account, and the resource in the embodiment of the present invention can be numerical value, and as resource transfers can shift for numerical value, resource transfers function can be numerical value forwarding function.Resources bank account can be to record the account of the resource status that certain user has, as goods and materials state account, numerical value account etc.Management server can be the server for the transfer amount of resource is managed, and can be the background server of above-mentioned the first application program and the second application program.In management server, the default initial upper limit that each account that can pre-recorded this second application program is corresponding and the current available resources upper limit (the available resources upper limit can with the dynamic change of carrying out of resource transfers), the initial upper limit can arrange by management server is unified, also can by terminal, be arranged by user.

The treatment scheme of the method for the resource transfers management that as shown in Figure 3, the embodiment of the present invention provides can comprise the steps:

Step 301, first terminal obtains current resource transfers numerical value.

Wherein, resource transfers numerical value can be between resources bank account, to carry out the numerical value of resource transfers, can be numerical value transfer amount or goods and materials transfer amount etc.

In force, first terminal obtains the mode of current resource transfers numerical value can be varied, can be by bar-code scanner scanning barcode the resource transfers numerical value to record in bar code, also can on first terminal, be inputted by staff resource transfers numerical value.The first application program for resource transfers can be installed in first terminal, and in the data manipulation page of the first application program, the current resource transfers numerical value that can get first terminal shows, so that user confirms resource transfers numerical value.

Step 302, first terminal obtains identity information from the second terminal.

Wherein, identity information is for determining the information of the logon account of the second terminal, can be one section of code.Logon account is the logon account for the application program (being the above-mentioned application program with payment function) that pays of the current use of the second terminal.In identity information, can comprise account identification, this account identification i.e. the account identification of logon account for this reason, preferably, in this identity information, can also comprise authorization information, authorization information is for identity information being carried out to the information of authentication, be used for preventing other people forged identity information, the particular content of authorization information and usage can be elaborated in content in the back.

Concrete, first terminal obtains the mode of identity information from the second terminal can be varied, for example, the second terminal can send identity information to first terminal by modes such as short-range communications (as Bluetooth communication), or, preferably, the graphic code (as bar code, Quick Response Code etc.) that first terminal can show by scanning the second terminal reads identity information.

In force, in second application program of installing in the second terminal, can be provided with small amount resource transfers option, user clicks and selects this small amount resource transfers option can enter the page of small amount resource transfers, at this moment, application program can generate the Quick Response Code that identity information is corresponding, is presented in this page.In identity information, can comprise account identification and authorization information, in authorization information, can comprise identifying code and random code again, identifying code can be by management server in advance for each account arranges and notify the terminal to account login, the second terminal is stored identifying code corresponding to its login account, and random code can be that the second terminal generates and not reusable code in some cycles at random.Management server can be in advance for each account be distributed corresponding PKI and private key (the unique correspondence of PKI and private key, use the data of encrypted private key to be decrypted by corresponding PKI), by PKI and account identification corresponding stored, and notify the terminal to corresponding account login by private key, the second terminal is preserved private key after receiving the private key of its login account, and the second terminal can be used private key to be encrypted to identifying code and random code the information of being verified.Then account identification and authorization information are formed to identity information, then according to identity information, generate corresponding Quick Response Code and show.While opening the page of small amount resource transfers, can generate new random code, to regenerate new Quick Response Code at every turn, in this page, the button that refreshes Quick Response Code can also be set, user clicks after this button, can generate new random code, to regenerate new Quick Response Code, show.

First terminal can be provided with Quick Response Code scanning device, and as camera, staff can operate Quick Response Code scanning device, scan the Quick Response Code showing in the second hand-held terminal of user, then, first terminal can pass through the graphical analysis to this Quick Response Code, gets corresponding identity information.

Step 303, first terminal sends resource transfers numerical value and the identity information obtaining to management server.

In force, first terminal can pass through wired connection mode or wireless connections mode access network, carry out data communication with management server, first terminal can generate resource transfers request (as numerical value transfer request etc.), the resource transfers numerical value obtaining and identity information are carried in resource transfers request, send to management server, in this resource transfers request, can also carry the terminal iidentification of first terminal.

Step 304, management server receives first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal.

Wherein, being obtained from the identity information of the second terminal, can be the identity information reading by scanning the graphic code of the second terminal demonstration, and corresponding processing can be referring to the related content in step 302.

Step 305, management server, according to the identity information receiving, is determined the logon account of the second terminal.

In force, according to the difference of the included content of identity information, the processing of step 305 can be varied, for example, in identity information, only include account identification, management server can be searched the account and identify corresponding account, and the logon account of determining the second terminal account corresponding to account identification for this reason.In addition, preferred, the processing procedure of step 305 can be as follows:

First, management server, according to the account identification in identity information and authorization information, carries out authentication to identity information.

In force, management server can be in advance for each account arranges corresponding identifying code, and by identifying code and account identification corresponding stored, and, management server can also distribute corresponding PKI and private key for each account (logon account that comprises the second terminal) in advance, by PKI and account identification corresponding stored, and notify the terminal to corresponding account login by private key.In addition, in the process of each resource transfers, management server can be by store corresponding with account identification of the random code in authorization information, and each account identification can the one or more random codes of corresponding stored.Management server is after receiving identity information, can obtain account identification and authorization information in identity information, then use identifying corresponding PKI with the account authorization information being decrypted of its storage, in the authorization information through deciphering, obtain identifying code and random code, the identifying code of authorization information and the account of local storage are identified to corresponding identifying code to be compared, the account of the local storage of inquiry simultaneously identifies in corresponding random code, whether to include the random code in this authorization information, if the identifying code in this authorization information is identical with the identifying code of local storage, and the random code in this authorization information is not stored in this locality, can judge that authentication passes through, if the identifying code in this authorization information is different from the identifying code of local storage, or this locality stores the random code in this authorization information, judge authentication failure.

Then, if authentication is passed through, determine that the logon account of the second terminal is the account to identify corresponding account.

Determine by the way the logon account of the second terminal, can prevent other people forged identity information, or copy and use old identity information.

Step 306, management server is according to the resource transfers numerical value receiving, carry out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to the logon account of the second terminal, and deduct this resource transfers numerical value in the available resources upper limit corresponding to this logon account.

Wherein, the resources bank account that logon account is corresponding (value accounts in full) can be logon account itself, can be also the sub-account of logon account, can also be in advance with the resources bank account of logon account binding.For example, the resources bank account binding page that can provide in second application program of installing in the second terminal, user can arrange resources bank account and the binding of this logon account in the resources bank account binding page, and notice is to management server.This logon account can have been bound one or more resources bank accounts, if binding has a plurality of resources bank accounts, default resource storehouse account can also be set in a plurality of resources bank accounts, preferentially for the resources bank account of resource transfers, at this moment, the resources bank account that logon account is corresponding i.e. default resource storehouse account for this reason.The resources bank account that first terminal is corresponding can be staff set in advance for receiving the reception resources bank account of the resource of shifting, the first application program that can install by first terminal arranges, and notice is stored to management server.The number of the resources bank account that first terminal is corresponding is preferably one.

In force, the resources bank account of the logon account binding that management server can pre-stored user, and the default resource storehouse account in the resources bank account of binding, and the reception resources bank account corresponding to first terminal of storage trade company.When carrying out this step, management server can be first according to the account identification of logon account, inquire about the corresponding default resource of the logon account storehouse account of the second terminal, and according to the terminal iidentification of the first terminal in above-mentioned payment request, resources bank account corresponding to inquiry first terminal, then, the resources bank account server under notice default resource storehouse account, by default resource storehouse account to receiving the above-mentioned resource transfers numerical value of resources bank account transfer.Meanwhile, management server can be inquired about the current available resources upper limit of this logon account, and this available resources upper limit is reduced to above-mentioned resource transfers numerical value.

In addition, if the available resources upper limit that the logon account of the second terminal is corresponding is less than resource transfers numerical value, can process according to the not enough processing mode of the default upper limit, the upper limit is not enough, and processing mode can arrange arbitrarily according to the actual requirements, for example, can be left intact, or, can not carry out the modification of resource transfers and the available resources upper limit, and notify the failure of first terminal resource transfers, and can also illustration be that the available resources upper limit is not enough.Preferably, the not enough processing mode of this upper limit can also be as follows:

First, if the available resources upper limit corresponding to the logon account of the second terminal is less than resource transfers numerical value, management server sends password authentification notice to the second terminal.

Wherein, this password authentification notice is used for notifying the second terminal to carry out resource transfers password authentification.

In force, the second terminal receives after password authentification notice, in the interface of application program, can show resource transfers Password Input window, and prompting " the account available resources upper limit is not enough; please input resource transfers password, to complete resource transfers ", user can input resource transfers password therein, after click is determined, the second terminal sends the resource transfers password of user's input to management server.

Then, when receiving the resource transfers password of the second terminal transmission, and to resource transfers password authentification by time, management server is according to resource transfers numerical value, carries out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to logon account.

Wherein, resource transfers password can be user be above-mentioned logon account set in advance for non-password of exempting from close resource transfers process.

In force, management server can be at the resource transfers password of pre-stored each account in this locality, comprising the resource transfers password of the logon account of the second terminal.When receiving the resource transfers password of the second terminal transmission, management server can compare the resource transfers password of reception and the resource transfers password of the logon account of the second terminal of local storage, if identical, resource transfers password authentification is passed through, if different, or do not receive the resource transfers password that the second terminal sends, can notify the failure of first terminal resource transfers, and illustrate that the available resources upper limit is not enough.Resource transfers after resource transfers password authentification is passed through is processed, can be with reference to the content above the present embodiment.Now optional, can keep the available resources upper limit of logon account of the second terminal constant, or, the initial upper limit that the available resources upper limit corresponding to logon account that can the second terminal is set to preset, or, the available resources upper limit corresponding to logon account that can the second terminal is set to 0, etc.

In addition, if the surplus resources numerical value of the resources bank account that the logon account of the second terminal is corresponding (the residue numerical value of value accounts in full) is less than resource transfers numerical value, can process according to the not enough processing mode of default surplus resources numerical value, surplus resources numerical value is not enough, and processing mode can arrange arbitrarily according to the actual requirements, for example, can be left intact, or, can not transfer accounts and the modification of the available resources upper limit, and notify first terminal Fail Transaction, and can also illustration be that surplus resources numerical value is not enough.Preferably, the processing mode of this surplus resources numerical value deficiency can also be as follows:

First, if the surplus resources numerical value of resources bank account corresponding to the logon account of the second terminal is less than resource transfers numerical value, management server sends resources bank account to the second terminal and changes request.

Wherein, resources bank account is changed request for notifying the second terminal to change the resources bank account for current resource transfers, for example, can comprise numerical value account replacing request.

In force, if the surplus resources numerical value of default resource storehouse account corresponding to the logon account of the second terminal is less than resource transfers numerical value, management server can send resources bank account to the second terminal and change request.The second terminal receives resources bank account and changes after request, can show resources bank account selection window, and prompting " resources bank account surplus resources numerical value is not enough; please select other resources bank account; to complete resource transfers ", user can select other resources bank account of logon account binding in window, and after click is determined, the second terminal sends corresponding resources bank account identification to management server.

Then, when receiving the resources bank account identification of the second terminal transmission, management server is according to resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to resources bank account identification, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

In force, management server is when receiving resources bank account identification, can also verify whether corresponding resources bank account is the resources bank account of this logon account binding, if, carry out the processing of follow-up resource transfers and the reduction available resources upper limit, otherwise, notify the second terminal to resend resources bank account identification.The processing of follow-up resource transfers and the reduction available resources upper limit is similar with processing above, can be referring to content above.

After step 306 is finished, management server can send the available resources upper limit after resource transfers numerical value and deduction resource transfers numerical value to the second terminal.

In force, management server can send resource transfers to the second terminal and complete notice, wherein can carry the available resources upper limit (i.e. the current available resources upper limit of the logon account of the second terminal) after resource transfers numerical value and deduction resource transfers numerical value, can also carry the resource transfers time in addition.If the second terminal has connected network, can receive resource transfers and complete notice, then, can in the page of two-dimensional code display, show the information such as resource transfers numerical value that resource transfers carries in completing notice, the available resources upper limit, resource transfers time.The second terminal can also complete the information such as the resource transfers numerical value that carries in notice, the available resources upper limit, resource transfers time according to resource transfers, at local resource, shift in record, adds the record of this resource transfers.

Step 307, when meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit corresponding to logon account of management server the second terminal is set to preset.

Wherein, upper limit replacement condition is the condition of the available resources upper limit of account being reset for triggering.Upper limit replacement condition can arrange arbitrarily according to the actual requirements.

Concrete, according to the difference of upper limit replacement condition, the processing mode of step 307 also can be varied, below provided wherein several feasible processing modes:

Mode one, when reaching default upper limit reset cycle, the initial upper limit that the available resources upper limit that management server logon account is corresponding is set to preset.

In force, upper limit reset cycle can arrange arbitrarily according to the actual requirements, and for example, upper limit reset cycle is set to 1 day, can be in the replacement of carrying out the available resources upper limit 0 o'clock sharp of every day.Management server can pre-stored each account (logon account that comprises the second terminal) the corresponding initial upper limit, the initial upper limit of each account can arrange by management server is unified, also can be arranged respectively by each user.In the above-mentioned application program of installing in the second terminal, can be provided with the upper limit page is set, in the upper limit, the numerical value that user in the page can input the initial upper limit is set, click after ACK button, the second terminal generates the upper limit request is set, carry therein the initial upper limit of user's input and the logon account of the second terminal, and the upper limit is arranged and asks to send to management server, management server can carry out record to the initial upper limit of the logon account of the second terminal after receiving the upper limit request is set.When this logon account also does not start to carry out resource transfers, the available resources upper limit of this logon account is set to the corresponding initial upper limit.Performing step at 307 o'clock, management server resets to the corresponding initial upper limit by the available resources upper limit of the logon account of the second terminal.

Mode two, resets after request when receiving the upper limit that the second terminal sends, to the second terminal carry out resource transfers password authentification by time, the initial upper limit that the available resources upper limit that management server logon account is corresponding is set to preset.

In force, the second terminal is when interconnection network, can be from the available resources upper limit of its logon account of management server Real-time Obtaining, user can be according to the residue situation of the available resources upper limit, initiatively initiating the upper limit resets, in the interface of the application program of installing in above-mentioned the second terminal, can be provided with upper limit replacement button, user can eject resource transfers Password Input window after clicking this upper limit replacement button, user inputs therein resource transfers password and clicks after confirmation, the second terminal can send upper limit replacement request to management server, wherein can carry the account identification of the resource transfers password of user's input and the logon account of the second terminal.Management server can be according to resource transfers password corresponding to each pre-stored account identification of this locality, and whether the resource transfers password that the checking upper limit is reset in request is correct, if correct, is verified.Carry out in the processing of upper limit replacement and mode one similar, can be referring to the related content in mode one.

After step 307 is finished, management server can send the available resources upper limit that current logon account is corresponding to the second terminal.The available resources upper limit now i.e. the initial upper limit corresponding to this logon account.

In force, management server can send upper limit reset notification to the second terminal, wherein can carry the current available resources upper limit.If the second terminal has connected network, can receive upper limit reset notification, then, the numerical value of the available resources upper limit of this locality storage can be revised as to the initial upper limit.

Embodiment tri-

The treatment scheme of the method that has provided the resource transfers management that the embodiment of the present invention provides below in concrete application scenarios, can comprise the steps:

Step 1, first terminal obtains current resource transfers numerical value.

In the present embodiment, first terminal can be the terminal for charging, and for example, first terminal can be the machine for punching the card that is arranged at trade company place.Resource transfers numerical value can be the price of the commodity of concluding the business, i.e. dealing money.The available resources upper limit can be available amount, allows the Maximum Amount of transferring accounts.The initial upper limit can be initial amount, under original state, allows the Maximum Amount of transferring accounts.

When user and trade company conclude the business, for example, certain user has chosen commodity in market, when cash desk is prepared to pay the bill, the staff of trade company can use the bar code in the bar-code scanner items scanning that first terminal installs, so that first terminal gets the coding of these commodity, and according to the price of these pre-stored commodity of this coded query (being resource transfers numerical value), or staff can manually input by keyboard the price of these commodity.

Step 2, first terminal obtains identity information from the second terminal.

In the present embodiment, in second application program of installing in the second terminal, can be provided with small amount payment option, user clicks the page of selecting this small amount payment option can enter small amount payment, at this moment, application program can generate the Quick Response Code that identity information is corresponding, is presented in this page.First terminal can be provided with camera, takes the Quick Response Code that the second terminal shows, and carries out graphical analysis and obtain identity information wherein.

Optionally, in the page of above-mentioned two-dimensional code display, can also show some prompt texts, for example, " after paying successfully; available amount is by corresponding minimizing ", again for example,, if the second terminal detects not interconnection network, can show " network does not connect; but you can continue payment, and network will upgrade transaction record after connecting ".

Step 3, first terminal sends resource transfers numerical value and the identity information obtaining to management server.

In the present embodiment, first terminal can generate the request of payment, and the number of deals of obtaining and identity information are carried in the request of payment, sends to management server, can also carry the terminal iidentification of first terminal in this payment request.

Step 4, management server, according to the identity information receiving, is determined the logon account of the second terminal.Corresponding processing can reference example two.

Step 5, management server is according to the resource transfers numerical value receiving, carry out the resource transfers to resources bank account corresponding to first terminal by resources bank account corresponding to the logon account of the second terminal, and deduct this resource transfers numerical value in available amount corresponding to this logon account.

In the present embodiment, resources bank account can be for storing the monetary accounts of currency, as bank account, can be also the payment account that pays class application program.The bank card binding page that can provide in the second application program, user can arrange bank account and bind with the logon account of oneself in the bank card binding page, if logon account binding has a plurality of bank accounts, acquiescence bank account can also be set therein, and notice is to management server.At first terminal, can receiving bank's account that first terminal is corresponding be set by the first application program.When carrying out this step 5, management server can be first according to the account identification of logon account, inquire about the corresponding acquiescence bank account of logon account of the second terminal, and according to the terminal iidentification of the first terminal in above-mentioned payment request, receiving bank's account corresponding to inquiry first terminal, then, the bank server under notice acquiescence bank account, by giving tacit consent to bank account to the above-mentioned number of deals of receiving bank's account transfer.Meanwhile, management server can be inquired about the current available amount of this logon account, and this available amount is reduced to above-mentioned number of deals.

If the available amount of the logon account of the second terminal is less than dealing money, management server sends password authentification notice to the second terminal, the second terminal receives after password authentification notice, in the interface of application program, can show trading password input window, and prompting " account can be not enough by amount, please input trading password; to complete payment ", user can input trading password therein, and after click is determined, the second terminal sends the trading password of user's input to management server.Follow-up transfer accounts that process can be with reference to content above.

If the remaining sum of the acquiescence bank account that the logon account of the second terminal is corresponding is less than dealing money, management server can send bank card to the second terminal and change request.The second terminal receives bank card and changes after request, can show bank card selection window, and prompting " bank account surplus resources numerical value is not enough; please select other bank card; to complete payment ", user can select other bank account of logon account binding in window, after click is determined, the second terminal sends corresponding resources bank account identification to management server, bank's card number of the bank account that user selects.Follow-up transfer accounts and processing that available amount reduces can be with reference to content above.

After having transferred accounts, management server can send the notice of having concluded the business to the second terminal, wherein can carry the information such as number of deals, available amount, exchange hour, the second terminal can show these information, for example, can show " you paid 15 yuan in 20: 25, and the remaining available amount of account is 85 yuan ".

Step 6, when meeting default upper limit replacement condition, the initial amount that the available amount corresponding to logon account of management server the second terminal is set to preset.Respective handling can be with reference to embodiment bis-.

Embodiment tetra-

Technical conceive based on identical, the embodiment of the present invention also provides a kind of management server, and as shown in Figure 4, described management server comprises:

Receiver module 410, for receiving first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal;

Determination module 420, for according to described identity information, determines the logon account of described the second terminal;

Administration module 430, be used for according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Preferably, described in be obtained from the identity information of the second terminal, comprising:

The identity information reading by scanning the graphic code of the second terminal demonstration.

Preferably, described identity information comprises account identification and authorization information;

Described determination module 420, for:

According to the described account identification in described identity information and described authorization information, described identity information is carried out to authentication;

If authentication is passed through, determine that the logon account of described the second terminal is account corresponding to described account identification.

Preferably, described administration module 430, also for:

If the available resources upper limit that described logon account is corresponding is less than described resource transfers numerical value, to described the second terminal, send password authentification notice;

When receiving the resource transfers password of described the second terminal transmission, and when described resource transfers password authentification is passed through, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account.

Preferably, described administration module 430, also for:

If the surplus resources numerical value of the resources bank account that described logon account is corresponding is less than described resource transfers numerical value, to described the second terminal, sends resources bank account and change request;

When receiving the resources bank account identification of described the second terminal transmission, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described resources bank account identification, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Preferably, also comprise replacement module, for:

When meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset.

Preferably, described replacement module, for:

When reaching default upper limit reset cycle, the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset; Or,

When receiving the upper limit that described the second terminal sends, reset after request, to described the second terminal carry out resource transfers password authentification by time, the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset.

Preferably, also comprise sending module, for:

After the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset, to described the second terminal, send the available resources upper limit corresponding to current described logon account.

Preferably, also comprise sending module, for:

Described according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account after, to described the second terminal, send the available resources upper limit after described resource transfers numerical value and the described resource transfers numerical value of deduction.

Preferably, described resource transfers numerical value, comprises numerical value transfer amount; Described resources bank account, comprises numerical value account; Described resource transfers, comprises that numerical value shifts.

Technical conceive based on identical, the embodiment of the present invention also provides a kind of first terminal, and as shown in Figure 5, described first terminal comprises:

Acquisition module 510, for obtaining current resource transfers numerical value; From the second terminal, obtain identity information;

Sending module 520, for sending described resource transfers numerical value and described identity information to management server; So that described management server is according to described identity information, determine the logon account of described the second terminal, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Preferably, described acquisition module 510, for:

By scanning the graphic code of the second terminal demonstration, read identity information.

Embodiment five

Technical conceive based on identical, the embodiment of the present invention also provides a kind of system of resource transfers management, and described system comprises first terminal, the second terminal and management server, wherein:

Embodiment six

Fig. 6 is the structural representation of the management server that provides of the embodiment of the present invention.This management server 1900 can because of configuration or performance is different produces larger difference, can comprise one or more central processing units (central processing units, CPU) 1922(for example, one or more processors) and storer 1932, the storage medium 1930(of one or more storage application programs 1942 or data 1944 one or more mass memory units for example).Wherein, storer 1932 and storage medium 1930 can be of short duration storage or storage lastingly.The program that is stored in storage medium 1930 can comprise one or more modules (diagram does not mark), and each module can comprise a series of command operatings in server.Further, central processing unit 1922 can be set to communicate by letter with storage medium 1930, carries out a series of command operatings in storage medium 1930 on management server 1900.

Management server 1900 can also comprise one or more power supplys 1926, one or more wired or wireless network interfaces 1950, one or more IO interface 1958, one or more keyboards 1956, and/or, one or more operating systems 1941, Windows ServerTM for example, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc.

Management server 1900 can include storer, and one or more than one program, the above program of one of them or one is stored in storer, and is configured to carry out described one or above routine package containing for carrying out the instruction of following operation by one or above processor:

Receive first terminal the resource transfers numerical value sending and the identity information that is obtained from the second terminal;

According to described identity information, determine the logon account of described the second terminal;

According to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

According to described identity information, determine the logon account of described the second terminal, comprising:

Preferably, described method also comprises:

When meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset

Preferably, described when meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset, comprising:

Preferably, after the initial upper limit that the available resources upper limit that described logon account is corresponding is set to preset, also comprise:

To described the second terminal, send the available resources upper limit corresponding to current described logon account.

Preferably, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account after, also comprise:

To described the second terminal, send the available resources upper limit after described resource transfers numerical value and the described resource transfers numerical value of deduction.

Embodiment seven

The first terminal that the embodiment of the present invention provides can because of configuration or performance is different produces larger difference, (for example can comprise one or more central processing units, one or more processors) and storer, the storage medium (for example one or more mass memory units) of one or more storage application programs or data.Wherein, storer and storage medium can be of short duration storage or storage lastingly.The program that is stored in storage medium can comprise one or more modules, and each module can comprise a series of command operatings in server.Further, central processing unit can be set to communicate by letter with storage medium, carries out a series of command operatings in storage medium on first terminal.

First terminal can also comprise one or more power supplys, one or more wired or wireless network interfaces, one or more IO interface, one or more keyboards, one or more graphic code scanning devices, one or more display devices, and/or, one or more operating systems, Windows ServerTM for example, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc.

First terminal can include storer, and one or more than one program, the above program of one of them or one is stored in storer, and is configured to carry out described one or above routine package containing for carrying out the instruction of following operation by one or above processor:

Obtain current resource transfers numerical value;

From the second terminal, obtain identity information;

To management server, send described resource transfers numerical value and described identity information; So that described management server is according to described identity information, determine the logon account of described the second terminal, according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

Preferably, describedly from the second terminal, obtain identity information, comprising:

It should be noted that: the device of the resource transfers management that above-described embodiment provides is when carrying out resource transfers management, only the division with above-mentioned each functional module is illustrated, in practical application, can above-mentioned functions be distributed and by different functional modules, completed as required, the inner structure that is about to device is divided into different functional modules, to complete all or part of function described above.In addition, the device of the resource transfers management that above-described embodiment provides and the embodiment of the method for resource transfers management belong to same design, and its specific implementation process refers to embodiment of the method, repeats no more here.

The invention described above embodiment sequence number, just to describing, does not represent the quality of embodiment.

One of ordinary skill in the art will appreciate that all or part of step that realizes above-described embodiment can complete by hardware, also can come the hardware that instruction is relevant to complete by program, described program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.

The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.

Claims

1. a method for resource transfers management, is characterized in that, described method comprises:

2. method according to claim 1, is characterized in that, described in be obtained from the identity information of the second terminal, comprising:

3. method according to claim 1, is characterized in that, described identity information comprises account identification and authorization information;

Described management server, according to described identity information, is determined the logon account of described the second terminal, comprising:

Described management server, according to the described account identification in described identity information and described authorization information, carries out authentication to described identity information;

If authentication is passed through, described management server determines that the logon account of described the second terminal is account corresponding to described account identification.

4. method according to claim 1, is characterized in that, described method also comprises:

If the available resources upper limit that described logon account is corresponding is less than described resource transfers numerical value, described management server sends password authentification notice to described the second terminal;

When receiving the resource transfers password of described the second terminal transmission, and when described resource transfers password authentification is passed through, described management server is according to described resource transfers numerical value, carries out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account.

5. method according to claim 1, is characterized in that, described method also comprises:

If the surplus resources numerical value of the resources bank account that described logon account is corresponding is less than described resource transfers numerical value, described management server sends resources bank account to described the second terminal and changes request;

When receiving the resources bank account identification of described the second terminal transmission, described management server is according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described resources bank account identification, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account.

6. method according to claim 1, is characterized in that, described method also comprises:

When meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit that the described logon account of described management server is corresponding is set to preset.

7. method according to claim 6, is characterized in that, described when meeting default upper limit replacement condition, the initial upper limit that the available resources upper limit that the described logon account of described management server is corresponding is set to preset, comprising:

When reaching default upper limit reset cycle, the initial upper limit that the available resources upper limit that the described logon account of described management server is corresponding is set to preset; Or,

When receiving the upper limit that described the second terminal sends, reset after request, to described the second terminal carry out resource transfers password authentification by time, the initial upper limit that the available resources upper limit that the described logon account of described management server is corresponding is set to preset.

8. method according to claim 6, is characterized in that, after the initial upper limit that the available resources upper limit that the described logon account of described management server is corresponding is set to preset, also comprises:

Described management server sends the available resources upper limit corresponding to current described logon account to described the second terminal.

9. method according to claim 1, it is characterized in that, described management server is according to described resource transfers numerical value, carry out the resource transfers to resources bank account corresponding to described first terminal by resources bank account corresponding to described logon account, and deduct described resource transfers numerical value in the available resources upper limit corresponding to described logon account after, also comprise:

Described management server sends the available resources upper limit after described resource transfers numerical value and the described resource transfers numerical value of deduction to described the second terminal.

10. according to the method described in any one in claim 1-9, it is characterized in that, described resource transfers numerical value, comprises numerical value transfer amount; Described resources bank account, comprises numerical value account; Described resource transfers, comprises that numerical value shifts.

The method of 11. 1 kinds of resource transfers management, is characterized in that, described method comprises:

First terminal obtains current resource transfers numerical value;

Described first terminal obtains identity information from the second terminal;

12. methods according to claim 11, is characterized in that, described first terminal obtains identity information from the second terminal, comprising:

Described first terminal reads identity information by scanning the graphic code of the second terminal demonstration.

13. according to the method described in claim 11 or 12, it is characterized in that, described resource transfers numerical value, comprises numerical value transfer amount; Described resources bank account, comprises numerical value account; Described resource transfers, comprises that numerical value shifts.

14. 1 kinds of management servers, is characterized in that, described management server comprises:

15. management servers according to claim 14, is characterized in that, described in be obtained from the identity information of the second terminal, comprising:

16. management servers according to claim 14, is characterized in that, described identity information comprises account identification and authorization information;

Described determination module, for:

17. management servers according to claim 14, is characterized in that, described administration module, also for:

18. management servers according to claim 14, is characterized in that, described administration module, also for:

19. management servers according to claim 14, is characterized in that, also comprise replacement module, for:

20. management servers according to claim 19, is characterized in that, described replacement module, for:

21. management servers according to claim 19, is characterized in that, also comprise sending module, for:

22. management servers according to claim 14, is characterized in that, also comprise sending module, for:

23. according to the management server described in any one in claim 14-22, it is characterized in that, described resource transfers numerical value, comprises numerical value transfer amount; Described resources bank account, comprises numerical value account; Described resource transfers, comprises that numerical value shifts.

24. 1 kinds of first terminals, is characterized in that, described first terminal comprises:

25. first terminals according to claim 24, is characterized in that, described acquisition module, for:

26. according to the first terminal described in claim 24 or 25, it is characterized in that, described resource transfers numerical value, comprises numerical value transfer amount; Described resources bank account, comprises numerical value account; Described resource transfers, comprises that numerical value shifts.

The system of 27. 1 kinds of resource transfers management, is characterized in that, described system comprises first terminal, the second terminal and management server, wherein: