CN105354704A - Resource processing method, apparatus and system - Google Patents
Resource processing method, apparatus and system Download PDFInfo
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- CN105354704A CN105354704A CN201510670855.XA CN201510670855A CN105354704A CN 105354704 A CN105354704 A CN 105354704A CN 201510670855 A CN201510670855 A CN 201510670855A CN 105354704 A CN105354704 A CN 105354704A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
Embodiments of the invention provide a resource processing method, apparatus and system. On one hand, according to the embodiments of the invention, a first terminal sends a data request to a near-field communication (NFC) card of a second terminal, so that the NFC card conveniently obtains and sends electronic card information bound with the NFC card to the first terminal according to the data request; the first terminal receives the electronic card information; and the first terminal performs resource transfer processing according to to-be-transferred resources and the electronic card information. Therefore, the technical scheme provided by the invention can solve the problems of relatively high cost, relatively low transfer efficiency and relatively low reliability of a resource transfer mode in the prior art.
Description
[technical field]
The present invention relates to technical field of internet application, particularly relate to a kind of method for processing resource, Apparatus and system.
[background technology]
At present, along with the develop rapidly of mobile communication technology and Internet technology, user can utilize terminal and carry out resource transfers by internet, as transferred accounts or payment etc.This brings great convenience to the life of user, and can ensure the security of the resource transfers of user.
In prior art, when utilizing terminal to carry out resource transfers, user often needs, manually to terminal unlocking, then in terminal, to open related application, and open bar code in the application and could realize resource transfers.And the realization of current resource transfers is resource transfers on line, terminal accessing Internet is needed to realize resource transfers.Therefore, resource transfers mode running cost of the prior art is higher, and transfer efficiency is lower, and compares dependence to network, and cannot realize resource transfers under the prerequisite not having network, Reliability comparotive is low.
[summary of the invention]
In view of this, embodiments provide a kind of method for processing resource, Apparatus and system, high in order to solve resource transfers mode cost compare in prior art, the problem that transfer efficiency is lower and Reliability comparotive is low.
The one side of the embodiment of the present invention, provides a kind of method for processing resource, comprising:
First terminal sends request of data to the near-field communication nfc card of the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Described first terminal receives described electronic card information;
Described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process, comprising:
Described first terminal is by described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process, comprising:
Described first terminal obtains the password of described electronic card;
Described first terminal is by described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
The one side of the embodiment of the present invention, provides a kind of method for processing resource, comprising:
The nfc card of the second terminal receives the request of data of first terminal transmission;
Described nfc card, according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carrying out resource transfers process.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and before the request of data of the nfc card reception first terminal transmission of described second terminal, described method also comprises:
Described nfc card and described electronic card information are bound by described second terminal.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
The one side of the embodiment of the present invention, provide a kind of resource treating apparatus, described device is positioned at first terminal, and described device comprises:
Transmitting element, sends request of data for the near-field communication nfc card to the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Receiving element, for receiving described electronic card information;
Processing unit, for according to resource to be transferred and described electronic card information, carries out resource transfers process.
Aspect as above and arbitrary possible implementation, provide a kind of implementation, described processing unit further, specifically for:
By described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Aspect as above and arbitrary possible implementation, provide a kind of implementation, described processing unit further, specifically for:
Obtain the password of described electronic card;
By described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
The one side of the embodiment of the present invention, provides a kind of resource treating apparatus, and described device is the second terminal, and described second terminal comprises nfc card, and described nfc card comprises:
Receiving element, for receiving the request of data that first terminal sends;
Processing unit, for according to described request of data, obtains the electronic card information of binding with described nfc card;
Transmitting element, for sending the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carries out resource transfers process.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described second terminal also comprises:
Binding unit, for binding described nfc card and described electronic card information.
Aspect as above and arbitrary possible implementation, provide a kind of implementation further, and described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
The one side of the embodiment of the present invention, provides a kind of resource processing system, and described system comprises first terminal and the second terminal; Described second terminal comprises near-field communication nfc card; Wherein,
Described first terminal, sends request of data for the nfc card to the second terminal;
Described nfc card, for according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Described first terminal, also for receiving described electronic card information;
Described first terminal, also for according to resource to be transferred and described electronic card information, carries out resource transfers process.
As can be seen from the above technical solutions, the embodiment of the present invention has following beneficial effect:
In the technical scheme that the embodiment of the present invention provides, when carrying out resource transfers, user is not needed to unlock to the second terminal, do not need open related application and open bar code in the application yet, but first terminal NFC technique can be utilized to realize carrying out alternately with first terminal, so that can complete resource transfers operation.Compared with prior art, the embodiment of the present invention avoids loaded down with trivial details operation, reduce running cost, thus improve resource transfers efficiency, thus it is high to solve resource transfers mode cost compare in prior art, the problem that transfer efficiency is lower.
In addition, in the technical scheme that the embodiment of the present invention provides, second terminal realizes realizing resource transfers alternately with first terminal by NFC technique, therefore do not have in the second terminal can realize resource transfers under the prerequisite of access network yet, break away from since network, improve reliability, thus the problem that in prior art, resource transfers mode Reliability comparotive is low can be solved.
[accompanying drawing explanation]
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is the system architecture diagram of the technical scheme use that the embodiment of the present invention provides;
Fig. 2 is the schematic flow sheet of the embodiment one of the method for processing resource that the embodiment of the present invention provides;
Fig. 3 is the schematic flow sheet of the embodiment two of the method for processing resource that the embodiment of the present invention provides;
Fig. 4 is the schematic flow sheet of the method for electronic card information and nfc card being bound that the embodiment of the present invention provides;
Fig. 5 is the functional block diagram of the embodiment one of the resource treating apparatus that the embodiment of the present invention provides;
Fig. 6 is the functional block diagram of the embodiment two of the resource treating apparatus that the embodiment of the present invention provides;
Fig. 7 is the structural representation of the resource processing system that the embodiment of the present invention provides.
[embodiment]
Technical scheme for a better understanding of the present invention, is described in detail the embodiment of the present invention below in conjunction with accompanying drawing.
Should be clear and definite, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art, not making other embodiments all obtained under creative work prerequisite, belong to the scope of protection of the invention.
The term used in embodiments of the present invention is only for the object describing specific embodiment, and not intended to be limiting the present invention." one ", " described " and " being somebody's turn to do " of the singulative used in the embodiment of the present invention and appended claims is also intended to comprise most form, unless context clearly represents other implications.
Should be appreciated that term "and/or" used herein is only a kind of incidence relation describing affiliated partner, can there are three kinds of relations in expression, and such as, A and/or B, can represent: individualism A, exists A and B simultaneously, these three kinds of situations of individualism B.In addition, character "/" herein, general expression forward-backward correlation is to the relation liking a kind of "or".
Although should be appreciated that may adopt in embodiments of the present invention term first, second etc. terminal is described, these terminals should not be limited to these terms.These terms are only used for terminal to be distinguished from each other out.Such as, when not departing from embodiment of the present invention scope, first terminal also can be called as the second terminal, and similarly, the second terminal also can be called as first terminal.
Depend on linguistic context, word as used in this " if " can be construed as into " ... time " or " when ... time " or " in response to determining " or " in response to detection ".Similarly, depend on linguistic context, phrase " if determination " or " if detecting (the conditioned disjunction event of statement) " can be construed as " when determining " or " in response to determining " or " when detecting (the conditioned disjunction event of statement) " or " in response to detection (the conditioned disjunction event of statement) ".
The system that the technical scheme that the embodiment of the present invention provides uses as shown in Figure 1, forms primarily of first terminal, the second terminal and server.
Embodiment one
The embodiment of the present invention provides a kind of method for processing resource, is the method for processing resource that first terminal side realizes.Please refer to Fig. 2, the schematic flow sheet of the embodiment one of its method for processing resource provided for the embodiment of the present invention, as shown in the figure, the method comprises the following steps:
S201, first terminal sends request of data to the near-field communication nfc card of the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal.
S202, described first terminal receives described electronic card information.
S203, described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process.
It should be noted that, the executive agent of S201 ~ S203 can be Energy Resources Service's reason device, this device can be positioned at first terminal, or the application of first terminal can also be positioned at, or can also for being arranged in plug-in unit or the SDK (Software Development Kit) (SoftwareDevelopmentKit of the application of first terminal, the functional unit such as SDK), the embodiment of the present invention is not particularly limited this.
Be understandable that, described application can be mounted in the application program (nativeApp) on first terminal, or can also be a web page program (webApp) of the browser on first terminal, the embodiment of the present invention limit this.
In a concrete implementation procedure, when needs carry out resource transfers, first terminal provides radio-frequency field, like this, the second terminal that user uses close to first terminal, or after the second terminal and first terminal physical contact, as shown in Figure 1, first terminal can send request of data to near-field communication (NearFieldCommunication, the NFC) card of the second terminal.
In a concrete implementation procedure, as shown in Figure 1, the nfc card of described second terminal, after receiving the described request of data that described first terminal sends, obtains the electronic card information of binding with described nfc card preset, and this electronic card information is sent to described first terminal.
In a concrete implementation procedure, described electronic card information can include but not limited to: the term of validity of the card number of the entity card that electronic card is corresponding, described entity card and the identifying code (CardVerificationCode, CVV) of described entity card.Accordingly, described resource to be transferred can comprise: dealing money.
In a concrete implementation procedure, electronic card corresponding to entity card can be added in advance in the second terminal, then, can also further electronic card information and described nfc card be bound.Like this, after described nfc card receives the request of data of first terminal transmission, described first terminal can be sent to by with the electronic card information of self binding.It should be noted that, the method for electronic card information and nfc card being bound can see following embodiment three.
Be understandable that, in the embodiment of the present invention, if the electronic card information of binding with nfc card is one, then this electronic card information directly can be sent to first terminal by the nfc card of described second terminal.If the electronic card information of binding with nfc card is two or more, then described second terminal can show this at least two electronic card information, and obtains the electronic card information of user's selection, and the electronic card information that user selects is sent to described first terminal.
Illustrate, described first terminal, after receiving the electronic card information of nfc card transmission of the second terminal, according to resource to be transferred and described electronic card information, can carry out resource transfers process.
Illustrate, in the embodiment of the present invention, first terminal is according to resource to be transferred and described electronic card information, and the implementation method of carrying out resource transfers process can include but not limited to following two kinds:
The first: described first terminal is by described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
In the embodiment of the present invention, described entity card can include but not limited to: the deposit card of bank, credit card, transportation card, member card or purchase card etc.
In a concrete implementation procedure, as shown in Figure 1, described first terminal can after acquisition electronic card information, electronic card information and assets to be transferred are sent to the server of the ISP of electronic card, like this, this server can according to electronic card information, by the resource to be transferred in entity card corresponding for electronic card, transfer to the account that described first terminal is corresponding, thus realize resource transfers.
Such as, user consumes in certain shop, the spending amount of the user of the credit card information that the nfc card from mobile phone receives by the POS in shop and this mobile phone of use, be sent to the server of the bank of this credit card of distribution, this server is according to the spending amount of user, by the account of the capital transfer in the credit card of user to shop, POS place, thus realize consumption and payment.
Be understandable that, this method goes for the scene that resource to be transferred is less than or equal to default resource thresholding.That is: when resource to be transferred is less than or equal to described resource thresholding, resource to be transferred and electronic card information can directly be sent to described server by first terminal, and do not need to send password.
Such as, if described resource to be transferred is the amount of money, then for the amount of money being less than or equal to described resource thresholding, small amount can be realized and exempt from password payment function, thus avoid Password Input to operate, reduce running cost.
The second: described first terminal obtains the password of described electronic card.Then, described first terminal is by described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
In a concrete implementation procedure, described first terminal can obtain the password of the electronic card that user inputs on described first terminal, then this password, resource to be transferred and electronic card information is sent to the server of the ISP of described electronic card.
In a concrete implementation procedure, first the server of the ISP of described electronic card carries out transfer tests according to described password and described electronic card information.Described server can judge that whether password corresponding to described electronic card information that this locality prestores be consistent with the password received from described first terminal, if password corresponding to the electronic card information that described server this locality prestores is consistent with the password received from described first terminal, then described server determination transfer tests passes through.Described server can carry out resource transfers operation further, by the resource transfers to be transferred in the entity card that described electronic card is corresponding to account corresponding to described first terminal.
Otherwise, if password corresponding to the electronic card information that prestores of described server this locality is inconsistent with the password received from described first terminal, then described server determination transfer tests failure.Described server can further to the information of described first terminal output password mistake.
Such as, user consumes in certain shop, the spending amount of the payment cipher that user inputs by the POS in shop, the credit card information received from the nfc card of mobile phone and the user that uses this mobile phone, be sent to the server of the bank of this credit card of distribution, this server first carries out payment verification according to payment cipher, if payment verification is passed through, then server is further according to the spending amount of user, by the account of the capital transfer in the credit card of user to shop, POS place, thus realize consumption and payment.
Be understandable that, this method goes for the scene that resource to be transferred is greater than described resource thresholding.That is: when resource to be transferred is greater than described resource thresholding, first terminal needs to obtain password, and password, resource to be transferred and electronic card information are all sent to described server.
Such as, if described resource to be transferred is the amount of money, then for the amount of money being greater than described resource thresholding, user is needed to input payment cipher, in order to ensure assets security.
In above-mentioned two kinds of methods, described server, after the account that the resource transfers to be transferred in entity card corresponding for described electronic card is corresponding to described first terminal success, can send the successful information of assets transfer to described first terminal.
Be understandable that, in the embodiment of the present invention, described first terminal can be the payment terminal of support NFC function, as point of sale (PointofSales, POS) machine.
Be understandable that, in the embodiment of the present invention, described second terminal can include but not limited to personal computer (PersonalComputer, PC), personal digital assistant (PersonalDigitalAssistant, PDA), radio hand-held equipment, panel computer (TabletComputer) or mobile phone etc.
Embodiment two
The embodiment of the present invention also provides a kind of method for processing resource, is the method for processing resource that the second end side realizes.Please refer to Fig. 3, the schematic flow sheet of the embodiment two of its method for processing resource provided for the embodiment of the present invention, as shown in the figure, the method comprises the following steps:
S301, the nfc card of the second terminal receives the request of data of first terminal transmission.
S302, described nfc card, according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carrying out resource transfers process.
It should be noted that, the executive agent of S301 ~ S302 can be Energy Resources Service's reason device, and this device can be the second terminal, and this second terminal comprises described nfc card.
In a concrete implementation procedure, when needs carry out resource transfers, first terminal provides radio-frequency field, like this, the second terminal that user uses close to first terminal, or after the second terminal and first terminal physical contact, as shown in Figure 1, first terminal can send request of data to near-field communication (NearFieldCommunication, the NFC) card of the second terminal.So, the nfc card of described second terminal just can receive the request of data of described first terminal transmission, and after the described request of data receiving the transmission of described first terminal, obtain the electronic card information of binding with described nfc card preset, and this electronic card information is sent to described first terminal.
In a concrete implementation procedure, described electronic card information can include but not limited to: the term of validity of the card number of the entity card that electronic card is corresponding, described entity card and the identifying code (CardVerificationCode, CVV) of described entity card.Accordingly, described resource to be transferred can comprise: dealing money.
Optionally, in one of the present embodiment possible implementation, electronic card corresponding to entity card can be added in advance in the second terminal, then, can also further electronic card information and described nfc card be bound.Like this, after described nfc card receives the request of data of first terminal transmission, described first terminal can be sent to by with the electronic card information of self binding.It should be noted that, the method for electronic card information and nfc card being bound can see following embodiment three.
Be understandable that, in the embodiment of the present invention, described first terminal can be the payment terminal of support NFC function, as point of sale (PointofSales, POS) machine.
Be understandable that, in the embodiment of the present invention, described second terminal can include but not limited to personal computer (PersonalComputer, PC), personal digital assistant (PersonalDigitalAssistant, PDA), radio hand-held equipment, panel computer (TabletComputer) or mobile phone etc.
Embodiment three
Please refer to Fig. 4, the schematic flow sheet of its method of electronic card information and nfc card being bound provided for the embodiment of the present invention, as shown in the figure, the method comprises the following steps:
S401, clicks nfc card binding entrance in the second terminal.
S402, judges whether described second terminal supports NFC function.If described second terminal does not support NFC function, perform S403; If described second terminal supports NFC function, perform S404.
S403, exports the information that the second terminal does not support NFC function.
S404, judges whether the NFC switch of described second terminal is opened.If the NFC switch of described second terminal is not opened, perform S405; If the NFC switch of described second terminal is opened, perform S406.
S405, the information that the NFC exporting the second terminal does not open, in order to point out the NFC of user second terminal not open, cannot normally use NFC function.
S406, judges whether the electronic wallet application of the second terminal logs in.If the electronic wallet application of the second terminal does not log in, perform S407; If the electronic wallet application of the second terminal logs in, perform S408.
S407, display login interface, utilizes login interface to receive the log-on message of user's input, as user name and login password etc.If determine according to the log-on message of input and login successfully, perform S408.
S408, judges whether the electronic wallet application of the second terminal has had the electronic card of binding.If the electronic card that the electronic wallet application of the second terminal is not also bound, perform S409; If the electronic wallet application of the second terminal has had the electronic card of binding, perform S410.
S409, display binding interface, utilizes binding interface to receive the electronic card information of user's input, and completes the bindings of electronic card according to electronic card information, then perform S410.
S410, judges whether electronic card that the electronic wallet application of the second terminal has been bound has the payment cipher of 6.If the electronic card that the electronic wallet application of the second terminal has been bound does not have the payment cipher of 6, perform S411, if the electronic card that the electronic wallet application of the second terminal has been bound has the payment cipher of 6, perform S412.
S411, display payment cipher arranges interface, utilizes payment cipher to arrange 6 payment ciphers of interface reception user input, then performs S415.
S412, display payment cipher inputting interface, utilizes payment cipher inputting interface to receive 6 payment ciphers of user's input.
S413, according to 6 payment ciphers of user's input, verifies.If according to 6 payment ciphers of user's input, determine, not by checking, to perform S414.If according to 6 payment ciphers of user's input, determine, by checking, to perform S415.
S414, exports the information of payment cipher mistake.
S415, shows in the stored value card of the second terminal all electronic cards bound, and receives the electronic card needing to open NFC function of user's selection.
S416, display binding acknowledgement interface, if user confirms to open NFC function in binding acknowledgement interface, performs S417.
S417, binds the nfc card preset in the electronic card of user's selection in S415 and the second terminal, to make this electronic card support NFC function, nfc card can be utilized to realize the delivery operation of this electronic card.
S418, exports the information of electronic card and nfc card binding success.
The embodiment of the present invention provides the device embodiment realizing each step and method in said method embodiment further.
Please refer to Fig. 5, the functional block diagram of the embodiment one of its resource treating apparatus provided for the embodiment of the present invention.As shown in the figure, this device is the executive agent of S201 ~ S203, and this device is positioned at first terminal, and this device can comprise:
Transmitting element 51, sends request of data for the near-field communication nfc card to the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Receiving element 52, for receiving described electronic card information;
Processing unit 53, for according to resource to be transferred and described electronic card information, carries out resource transfers process.
In a concrete implementation procedure, described processing unit 53, specifically for:
By described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Or, in a concrete implementation procedure, described processing unit 53, specifically for:
Obtain the password of described electronic card;
By described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
In a concrete implementation procedure, described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card; Described resource to be transferred comprises dealing money.
Because each unit in the present embodiment can perform the method shown in Fig. 2, the part that the present embodiment is not described in detail, can with reference to the related description to Fig. 2.
Please refer to Fig. 6, the functional block diagram of the embodiment two of its resource treating apparatus provided for the embodiment of the present invention.As shown in the figure, described device is the second terminal, and described second terminal comprises nfc card 60, and described nfc card 60 comprises:
Receiving element 601, for receiving the request of data that first terminal sends;
Processing unit 602, for according to described request of data, obtains the electronic card information of binding with described nfc card;
Transmitting element 603, for sending the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carries out resource transfers process.
Optionally, described second terminal also comprises:
Binding unit 61, for binding described nfc card and described electronic card information.
In a concrete implementation procedure, described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card; Described resource to be transferred comprises dealing money.
Because each unit in the present embodiment can perform the method shown in Fig. 3, the part that the present embodiment is not described in detail, can with reference to the related description to Fig. 3.
Please refer to Fig. 7, the structural representation of its resource processing system provided for the embodiment of the present invention.As shown in the figure, described system comprises first terminal 71 and the second terminal 72; Described second terminal 72 comprises near-field communication nfc card 721; Wherein,
Described first terminal 71, sends request of data for the nfc card 721 to the second terminal;
Described nfc card 721, for according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Described first terminal 71, also for receiving described electronic card information;
Described first terminal 71, also for according to resource to be transferred and described electronic card information, carries out resource transfers process.
The technical scheme of the embodiment of the present invention has following beneficial effect:
The embodiment of the present invention, first terminal sends request of data to the near-field communication nfc card of the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal; Thus described first terminal receives described electronic card information; And then described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process.
In the technical scheme that the embodiment of the present invention provides, when carrying out resource transfers, user is not needed to unlock to the second terminal, do not need open related application and open bar code in the application yet, but first terminal NFC technique can be utilized to realize carrying out alternately with first terminal, so that can complete resource transfers operation.Compared with prior art, the embodiment of the present invention avoids loaded down with trivial details operation, reduce running cost, thus improve resource transfers efficiency, thus it is high to solve resource transfers mode cost compare in prior art, the problem that transfer efficiency is lower.
In addition, in the technical scheme that the embodiment of the present invention provides, second terminal realizes realizing resource transfers alternately with first terminal by NFC technique, therefore do not have in the second terminal can realize resource transfers under the prerequisite of access network yet, break away from since network, improve reliability, thus the problem that in prior art, resource transfers mode Reliability comparotive is low can be solved.
Those skilled in the art can be well understood to, and for convenience and simplicity of description, the system of foregoing description, the specific works process of device and unit, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
In several embodiment provided by the present invention, should be understood that, disclosed system, apparatus and method, can realize by another way.Such as, device embodiment described above is only schematic, such as, the division of described unit, is only a kind of logic function and divides, and actual can have other dividing mode when realizing, such as, multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of device or unit or communication connection can be electrical, machinery or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer read/write memory medium.Above-mentioned SFU software functional unit is stored in a storage medium, comprising some instructions in order to make a computer installation (can be personal computer, server, or network equipment etc.) or processor (Processor) perform the part steps of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (Read-OnlyMemory, ROM), random access memory (RandomAccessMemory, RAM), magnetic disc or CD etc. various can be program code stored medium.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within the scope of protection of the invention.
Claims (15)
1. a method for processing resource, is characterized in that, described method comprises:
First terminal sends request of data to the near-field communication nfc card of the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Described first terminal receives described electronic card information;
Described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process.
2. method according to claim 1, is characterized in that, described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process, comprising:
Described first terminal is by described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
3. method according to claim 1, is characterized in that, described first terminal, according to resource to be transferred and described electronic card information, carries out resource transfers process, comprising:
Described first terminal obtains the password of described electronic card;
Described first terminal is by described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
4. according to the method in any one of claims 1 to 3, it is characterized in that,
Described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
5. a method for processing resource, is characterized in that, described method comprises:
The nfc card of the second terminal receives the request of data of first terminal transmission;
Described nfc card, according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carrying out resource transfers process.
6. method according to claim 5, is characterized in that, before the request of data of the nfc card reception first terminal transmission of described second terminal, described method also comprises:
Described nfc card and described electronic card information are bound by described second terminal.
7. the method according to claim 5 or 6, is characterized in that,
Described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
8. a resource treating apparatus, is characterized in that, described device is positioned at first terminal, and described device comprises:
Transmitting element, sends request of data for the near-field communication nfc card to the second terminal, so that described nfc card is according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Receiving element, for receiving described electronic card information;
Processing unit, for according to resource to be transferred and described electronic card information, carries out resource transfers process.
9. device according to claim 8, is characterized in that, described processing unit, specifically for:
By described resource to be transferred and described electronic card information, send to the server of the ISP of electronic card, so that described server is according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
10. device according to claim 8, is characterized in that, described processing unit, specifically for:
Obtain the password of described electronic card;
By described password, described resource to be transferred and described electronic card information, send to the server of the ISP of described electronic card, so that described server is verified according to described password, and, after being proved to be successful, according to described electronic card information, determine the entity card that described electronic card is corresponding, and, by the resource transfers to be transferred in described entity card to account corresponding to described first terminal.
Device according to any one of 11. according to Claim 8 to 10, is characterized in that,
Described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
12. 1 kinds of resource treating apparatus, is characterized in that, described device is the second terminal, and described second terminal comprises nfc card, and described nfc card comprises:
Receiving element, for receiving the request of data that first terminal sends;
Processing unit, for according to described request of data, obtains the electronic card information of binding with described nfc card;
Transmitting element, for sending the electronic card information of binding with described nfc card to described first terminal, so that described first terminal is according to resource to be transferred and described electronic card information, carries out resource transfers process.
13. devices according to claim 12, is characterized in that, described second terminal also comprises:
Binding unit, for binding described nfc card and described electronic card information.
14. devices according to claim 12 or 13, is characterized in that,
Described electronic card information comprises the identifying code CVV of the card number of entity card corresponding to electronic card, the term of validity of described entity card and described entity card;
Described resource to be transferred comprises dealing money.
15. 1 kinds of resource processing systems, is characterized in that, described system comprises first terminal and the second terminal; Described second terminal comprises near-field communication nfc card; Wherein,
Described first terminal, sends request of data for the nfc card to the second terminal;
Described nfc card, for according to described request of data, obtains and sends the electronic card information of binding with described nfc card to described first terminal;
Described first terminal, also for receiving described electronic card information;
Described first terminal, also for according to resource to be transferred and described electronic card information, carries out resource transfers process.
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