CN106302558B - Service processing method and device - Google Patents
Service processing method and device Download PDFInfo
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- CN106302558B CN106302558B CN201510236722.1A CN201510236722A CN106302558B CN 106302558 B CN106302558 B CN 106302558B CN 201510236722 A CN201510236722 A CN 201510236722A CN 106302558 B CN106302558 B CN 106302558B
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Abstract
The application provides a service processing method and device. The method comprises the following steps: receiving a business operation request which is sent by a first user based on a registered first account and aims at a second account, wherein the second account is registered on the business server by a second user; establishing a communication channel for the first user and the second user according to the account information of the second account so that the first user can confirm the validity of the second account; and after receiving confirmation information that a second account sent by a first user is valid, completing business operation based on the first account and the second account. Before executing the service operation, the service server establishes communication channels for the service initiating user and the service responding user so that the service initiating user can confirm the validity of the account of the service responding user, and executes the service operation after receiving the information that the service initiating user confirms the validity of the account of the service responding user, thereby improving the accuracy of the service operation, maintaining the benefit of the user and improving the user experience.
Description
Technical Field
The present application relates to the field of communications technologies, and in particular, to a method and an apparatus for processing a service.
Background
With the wide development of internet technology, users can implement various business operations through the internet. Such as: the user can communicate through the internet, and the user can purchase goods through the internet.
In the related art, a user usually needs to complete related business operations based on a user account registered in advance on a business server and based on account information of an opposite-end account input by the user. In the process, the user cannot confirm the validity of the opposite-end account, if the opposite-end account is an illegal account or an unavailable account, potential safety hazards are brought to the user, and even great economic loss is caused to the user.
Disclosure of Invention
In view of this, the present application provides a service processing method and apparatus.
Specifically, the method is realized through the following technical scheme:
a service processing method is applied to a service server, and the method comprises the following steps:
receiving a business operation request which is sent by a first user based on a registered first account and aims at a second account, wherein the second account is registered on the business server by a second user;
establishing a communication channel for the first user and the second user according to the account information of the second account so that the first user can confirm the validity of the second account;
and after receiving confirmation information that a second account sent by a first user is valid, completing business operation based on the first account and the second account.
Further, after receiving a business operation request for a second account sent by a first user based on a registered first account, the method further comprises:
judging whether the service data volume carried in the service operation request reaches a threshold value;
and if the service data volume reaches the threshold value, establishing a communication channel for the first user and the second user according to the account information of the second account.
Further, the establishing a communication channel for the first user and the second user according to the account information of the second account includes:
searching the communication identification of the second user in the account information of the second account;
and establishing a communication channel for the first user and the second user according to the communication identifier.
Further, when the communication identifier is a mobile phone number, establishing a communication channel for the first user and the second user according to the communication identifier includes:
and establishing a short message channel, a voice channel or a video channel for the first user and the second user.
Further, when the communication identifier is a mailbox address, establishing a communication channel for the first user and the second user according to the communication identifier includes:
and establishing a mail channel for the first user and the second user.
Further, the establishing a short message channel or a mail channel for the first user and the second user includes:
sending the validity identification information to a second user through a short message or a mail;
and sending the feedback information returned by the second user based on the validity identification information to the first user through a short message or an email.
Further, the validity of the second account includes: validity of the second user identity and availability of the second account;
the validity identification information includes: the authentication problem aiming at the second user and the account information of the second account;
the authentication problem for the second user is used for verifying the identity validity of the second user, and the account information of the second account is used for verifying the availability of the second account.
A service processing apparatus applied to a service server, the apparatus comprising:
the request receiving unit is used for receiving a business operation request which is sent by a first user based on a registered first account and aims at a second account, and the second account is registered on the business server by a second user;
the channel establishing unit is used for establishing a communication channel for the first user and the second user according to the account information of the second account so that the first user can confirm the validity of the second account;
and the service operation unit is used for finishing service operation based on the first account and the second account after receiving the confirmation information that the second account sent by the first user is valid.
Further, the apparatus further comprises:
the threshold value judging unit is used for judging whether the service data volume carried in the service operation request reaches a threshold value or not after receiving the service operation request aiming at a second account sent by a first user based on a registered first account;
and the channel establishing unit is used for establishing a communication channel for the first user and the second user according to the account information of the second account when the service data volume reaches the threshold value.
Further, the channel establishing unit specifically searches a communication identifier of a second user in the account information of the second account, and establishes a communication channel for the first user and the second user according to the communication identifier.
Further, the channel establishing unit specifically establishes a short message channel, a voice channel, or a video channel for the first user and the second user when the communication identifier is a mobile phone number.
Further, the channel establishing unit specifically establishes a mail channel for the first user and the second user when the communication identifier is a mailbox address.
Further, the channel establishing unit establishes a short message channel or a mail channel for the first user and the second user, specifically, sends validity identification information to the second user through a short message or a mail, and sends feedback information returned by the second user based on the validity identification information to the first user through a short message or a mail.
Further, the validity of the second account includes: validity of the second user identity and availability of the second account;
the validity identification information includes: the authentication problem aiming at the second user and the account information of the second account;
the authentication problem for the second user is used for verifying the identity validity of the second user, and the account information of the second account is used for verifying the availability of the second account.
It can be seen from the above description that, before executing the service operation, the service server of the present application may establish a communication channel for the service initiating user and the service responding user, so that the service initiating user can confirm the validity of the account of the service responding user, and execute the service operation after receiving the information that the service initiating user confirms that the account of the service responding user is valid, thereby improving the accuracy of the service operation, maintaining the benefit of the user, and improving the user experience.
Drawings
Fig. 1 is a schematic diagram of an application scenario for implementing service processing according to an exemplary embodiment of the present application.
Fig. 2 is a flowchart illustrating a service processing method according to an exemplary embodiment of the present application.
Fig. 3 is a flowchart illustrating another service processing method according to an exemplary embodiment of the present application.
Fig. 4 is a schematic structural diagram of a service processor according to an exemplary embodiment of the present application.
Fig. 5 is a schematic structural diagram of a service processing apparatus according to an exemplary embodiment of the present application.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in this application and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It is to be understood that although the terms first, second, third, etc. may be used herein to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of the present application. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
In the related art, taking a service operation as an example of a fund transfer, a service server performs the transfer operation according to account information of a receiver input by a payer. If the payer accidentally mistransses the account information of the payee, the business server transfers the money to the account mistransed by the payer, and the fund loss is caused to the payer. If the payer inputs the correct account information of the payee, but the account is not the current account of the payee, and the payee forgets the password of the account, great trouble is caused to the payee.
In view of this, the present application provides a service processing scheme, which can establish a communication channel for users of both sides of a service operation before the service operation is executed, so that a service initiating user can verify the validity of a service response account.
Referring to fig. 1, fig. 1 is a schematic diagram of an application scenario for implementing service processing according to an exemplary embodiment of the present application.
In fig. 1, a service server is generally set by a service provider, through which the service provider can provide various service applications to registered users to implement service operations between users. The user may register a corresponding user account on the service server in advance, and the specific registration process may refer to an implementation method provided in the related art, which is not described herein any more.
In the embodiment of the application, a user interacts with a service server through a terminal to realize various service operations. The terminal can be a smart phone, a tablet computer, a PC and other devices with a network connection function, and the application does not specially limit the terminal.
Referring further to fig. 1, a first user using a first terminal may register a first account on the service server in advance, and a second user using a second terminal may also register a second account on the service server in advance. In this embodiment, the first user is an initiating user of the service operation, the second user is a responding user of the service operation, and both the first user and the second user need to interact with the service server through a terminal used by the first user and the second user. In this application, for convenience of description, the description of the process of the terminal interacting with the service server is omitted, such as: the process of the first user interacting with the service server through the first terminal is described as the process of the first user interacting with the service server.
In this embodiment, the first user may send a service operation request for the second account to the service server based on the first account, and after receiving the service operation request, the service server may search the account information of the second user for a communication identifier of the second user, and then establish a communication channel for the first user and the second user, such as a short message, a voice, a video, a mail, and the like, according to the communication identifier, so that the first user can confirm whether the second account is valid through the communication channel. The first user can send the valid confirmation information of the second account to the service server when confirming that the second user identity using the second account is legal and the second account is available, and the service server completes service operation based on the first account and the second account after receiving the confirmation information. Therefore, before the business operation is executed, the business server can establish a communication channel for the business initiating user and the business responding user so that the business initiating user can confirm the validity of the account of the business responding user, and the business operation is executed after the information that the business initiating user confirms the validity of the account of the business responding user is received, so that the accuracy of the business operation is improved, the benefit of the user is maintained, and the user experience is improved.
Fig. 2 is a flowchart illustrating a service processing method according to an exemplary embodiment of the present application.
Referring to fig. 2, the service processing method is applied to a service server, and includes the following steps:
step 201, a business operation request which is sent by a first user based on a registered first account and is aimed at a second account is received.
In this embodiment, when a first user, which is a service operation initiating user, wants to initiate a service operation for a second user, a service operation request for the second account may be sent to a service server through a registered first account. The service operation request may be: a request for a fund transfer, a request for a financial debit, etc. In the present application, the service operation request is described as a fund transfer request as an example.
The service operation request usually carries account information of the second account and a service data volume of the service operation. Such as: the first user can load an APP provided by a service provider on a terminal, then input account information of a second account and service data volume of service operation in an interactive interface of the APP, and then realize sending of a service operation request by inputting specified operation. The account information of the second account may be account information that can uniquely identify the second account, such as an account name of the second account, and the service data amount may be a transfer amount.
Step 202, determining whether the service data volume carried in the service operation request reaches a threshold, and if the service data volume reaches the threshold, executing step 203.
Based on the foregoing step 201, after receiving the service operation request sent by the first user, the service server may extract the carried service data volume from the service operation request, and then determine whether the service data volume reaches the threshold. The threshold is a basis for the service server to determine whether to establish a communication channel for both service operation parties, and if the service data volume reaches the threshold, step 203 is executed. If the traffic data amount does not reach the threshold, the traffic server may process the traffic operation request according to a processing manner in the related art, such as: and completing business operation based on the first account and the second account.
The value of the threshold may be set by the first user as needed, and this application is not particularly limited thereto. Optionally, in another embodiment of the present application, the first user may not set the threshold, and the service server executes step 203 after receiving the service operation request sent by the first user, without executing the determination process of this step.
Step 203, looking up the communication identifier of the second user in the account information of the second account.
Based on the judgment result in the foregoing step 202, if the service data amount carried in the service operation request reaches the threshold, the service server executes a procedure of establishing a communication channel for the first user and the second user. In this step, the service server searches the saved account information of the second account for the communication identifier of the second user.
The communication identifier is generally a communication mode provided to the service server for storage when the second user registers or subsequently modifies information, and the number of the communication identifiers may be one or more. The communication identifier may be: a mobile phone number, a mailbox address, an instant messaging account, etc., which are not particularly limited in this application.
And 204, establishing a communication channel for the first user and the second user according to the communication identifier so that the first user can confirm the validity of the second account.
In this embodiment, the validity of the second account may include two aspects, namely, the validity of the second user identity on one hand, and the availability of the second account on the other hand. Specifically, the validity of the second user identity refers to whether a second user corresponding to a second account input by the first user when sending the service operation request is a target second user to which the service operation is to be performed, for example: the first user can provide an identity authentication question to the second user, and confirm whether the identity of the second user is legal or not according to the answer answered by the second user, if the answer of the second user is correct, the first user can confirm that the second user accurately inputs the second account information of the target second user, and the identity of the second user is legal. If the answer of the second user is incorrect, it indicates that the second user corresponding to the second account input by the second user is not the target second user to perform the business operation, and the first user may inadvertently input the second account information of the target second user incorrectly.
The availability of the second account refers to whether the second account input by the first user is an account which can be used by the second user or not on the premise that the identity of the second user is legal. Such as: the service server may provide the account information of the second account input by the first user to the second user for confirmation by the second user. If the second account is an account that the second user is able to use, the second user may return results that are available, and if the second account is not an account that the second user is able to use, the second user may return results that are not available, such as: the second account is a "zombie account" that the second user has not used for a long time and has forgotten a password, then the second user may return unavailable.
The first user may confirm that the second account is valid when the second user identity is validated and the second account is available.
In this embodiment, based on the foregoing step 203, after finding the communication identifier of the second user, the service server may also find the communication identifier of the first user, then select the communication identifiers of the same category for the first user and the second user respectively, and establish a communication channel for the first user and the second user based on the communication identifiers, so that the first user can confirm the validity of the second account.
For example, assume that two communication identifiers of the first user are found by the service server, which are respectively: a mobile phone number and a mailbox address. The communication identifiers of the second user are also two, which are respectively: cell phone number and QQ number. The service server may select the mobile phone numbers of the first user and the second user, and then establish a communication channel for the first user and the second user based on the mobile phone numbers.
In this embodiment, the service server may establish different types of communication channels for the first user and the second user for different communication identifiers.
When the communication identifier is a mobile phone number, the service server may establish a voice channel or a video channel for the first user and the second user according to the mobile phone numbers of the first user and the second user. Such as: the service server can build a telephone conference channel or a video conference channel for the first user and the second user. The first user may conduct a voice or video call with the second user based on the voice channel or the video channel to confirm the validity of the second account. In this implementation, the first user may communicate directly with the second user to confirm whether the second user's identity is legitimate and whether the second account is available.
When the communication identifier is a mobile phone number, the service server can also establish a short message channel for the first user and the second user according to the mobile phone numbers of the first user and the second user. Such as: the service server can send the validity identification information to the second user through a short message, and forwards feedback information returned by the second user based on the validity information to the first user through the short message, so that the first user can confirm the validity of the second account. Wherein the validity information includes: the first user provides authentication questions for the second user and account information of the second account, and the feedback information comprises: and the answer of the authentication question returned by the second user and the confirmation result of the availability of the second account. The authentication problem provided by the first user for the second user may be an authentication problem preset by the first user, an authentication problem input by the first user when initiating the service operation request, or an authentication problem input by the first user in an authentication problem input interface provided when the service server determines that the amount of service data carried in the service operation request is greater than the threshold, which is not particularly limited in this application.
When the communication identifier is a mailbox address, the service server can also establish a mail channel for the first user and the second user according to the mailbox addresses of the first user and the second user. Such as: the service server can send the validity identification information to the second user through a mail, and forwards feedback information returned by the second user based on the validity information to the first user through the mail, so that the first user can confirm the validity of the second account. The validity information and the feedback information may refer to the foregoing description, and are not described in detail herein.
Step 205, after receiving the confirmation information that the second account sent by the first user is valid, completing the business operation based on the first account and the second account.
In this embodiment, after confirming that the second account is valid, the first user may send valid confirmation information to the service server, and after receiving the valid confirmation information, the service server completes service operation based on the first account and the second account.
Optionally, in another embodiment of the present application, if the first user confirms that the second account is invalid, the first user may further send invalid confirmation information to the service server, and the service server cancels the execution of the service operation after receiving the invalid confirmation information, and may return an interface for applying the service operation to the first user.
It can be seen from the above description that, before executing the service operation, the service server of the present application may establish a communication channel for the service initiating user and the service responding user, so that the service initiating user can confirm the validity of the account of the service responding user, and execute the service operation after receiving the information that the service initiating user confirms that the account of the service responding user is valid, thereby improving the accuracy of the service operation, maintaining the benefit of the user, and improving the user experience.
The implementation process of the present application is described below with reference to a specific application scenario.
Referring to fig. 3, fig. 3 is a flowchart illustrating a service processing method according to an exemplary embodiment of the present application. This embodiment incorporates the application scenario described above in connection with fig. 1. In this embodiment, the service operation is a fund transfer, the user a and the user B register an account a and an account B on the service server, respectively, the user a is an initiating user of the fund transfer, and the user B is a responding user (receiving user) of the fund transfer. Referring to fig. 3, the embodiment includes the following steps:
step 301, user a sends a transfer request to a service server.
In this step, the user a may load the APP provided by the transfer service provider in the terminal used, then input the transfer amount and the account name of the account B in the interactive interface of the APP, and then send a transfer request to the service server through the confirmation button.
Step 302, the service server judges whether the transfer amount carried in the transfer request exceeds a threshold value, if so, step 303 is executed. If the threshold is not exceeded, step 309 is performed.
Step 303, the service server informs user a of the authentication problem.
Based on the determination result of the foregoing step 302, when the service server determines that the transfer amount exceeds the threshold value, an instruction to provide an authentication problem may be sent to the user a.
In step 304, the user a sends an authentication question to the service server.
And the user A sends the authentication problem for verifying the identity validity of the user B to the service server through the page for inputting the authentication problem provided by the APP.
Step 305, the service server finds the mobile phone number of the user B according to the account B, and sends the validity identification information to the user B through a short message. The validity identification information includes the authentication question and account information of the account B.
Step 306, the user B sends feedback information based on the validity identification information to the service server through a short message.
And after receiving the validity identification information, the user B answers the authentication question and confirms whether the account B is available. And then the answer of the authentication question and the availability confirmation information aiming at the account B are sent to a service server as feedback information.
Step 307, the service server forwards the feedback information to the user a through a short message.
Step 308, after confirming that the account B is valid, the user a sends the confirmation information that the account B is valid to the service server.
After receiving the feedback information forwarded by the service server, the user a may send confirmation information that the account B is valid to the service server if it is confirmed that the user B is the legal identity and the account B is an available account of the user B.
In step 309, the service server performs a transfer operation from account a to account B.
In the embodiment shown in fig. 3, the service server may refer to the foregoing method embodiment to complete the service operation, which is not described in detail herein.
Corresponding to the embodiment of the service processing method, the application also provides an embodiment of a service processing device.
The embodiment of the service processing device can be applied to the service server. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a device in a logical sense, the device is formed by reading a corresponding computer program instruction in a nonvolatile memory into an internal memory through a processor of a service server where the device is located to operate. In terms of hardware, as shown in fig. 4, the hardware structure diagram of the service server where the service processing device is located in the present application is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 4, the service server where the service processing device is located in this embodiment may also include other hardware according to the actual function of the service server, which is not described again.
Referring to fig. 5, fig. 5 is a schematic structural diagram of a service processing apparatus according to an exemplary embodiment of the present application, where the service processing apparatus 400 may include: a request receiving unit 401, a channel establishing unit 402, a service operating unit 403 and a threshold value judging unit 404.
The request receiving unit 401 receives a service operation request, which is sent by a first user based on a registered first account and is directed to a second account, where the second account is registered on the service server by a second user;
a channel establishing unit 402, configured to establish a communication channel for the first user and the second user according to the account information of the second account, so that the first user can confirm the validity of the second account;
the service operation unit 403, after receiving confirmation information that the second account sent by the first user is valid, completes a service operation based on the first account and the second account.
The threshold determining unit 404, after receiving a service operation request, which is sent by a first user based on a registered first account and is directed to a second account, determines whether the amount of service data carried in the service operation request reaches a threshold;
the channel establishing unit 402 specifically establishes a communication channel for the first user and the second user according to the account information of the second account when the traffic data volume reaches the threshold.
Further, the channel establishing unit 402 specifically searches a communication identifier of a second user in the account information of the second account, and establishes a communication channel for the first user and the second user according to the communication identifier.
Further, the channel establishing unit 402 specifically establishes a short message channel, a voice channel, or a video channel for the first user and the second user when the communication identifier is a mobile phone number.
Further, the channel establishing unit 402 establishes a mail channel for the first user and the second user, specifically when the communication identifier is a mailbox address.
Further, the channel establishing unit 402 establishes a short message channel or a mail channel for the first user and the second user, specifically, sends validity identification information to the second user through a short message or a mail, and sends feedback information returned by the second user based on the validity identification information to the first user through a short message or a mail.
Further, the validity of the second account includes: validity of the second user identity and availability of the second account;
the validity identification information includes: the authentication problem aiming at the second user and the account information of the second account;
the authentication problem for the second user is used for verifying the identity validity of the second user, and the account information of the second account is used for verifying the availability of the second account.
The implementation process of the functions and actions of each unit in the above device is specifically described in the implementation process of the corresponding step in the above method, and is not described herein again.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the application. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the scope of protection of the present application.
Claims (12)
1. A service processing method is applied to a service server, and is characterized in that the method comprises the following steps:
receiving a business operation request which is sent by a first user based on a registered first account and aims at a second account, wherein the second account is registered on the business server by a second user;
establishing a communication channel for the first user and the second user according to the account information of the second account so that the first user can confirm the validity of the second account;
after receiving confirmation information that a second account sent by a first user is valid, completing business operation based on the first account and the second account;
establishing a communication channel for the first user and the second user according to the account information of the second account, including:
searching the communication identification of the second user in the account information of the second account;
and establishing a communication channel for the first user and the second user according to the communication identifier.
2. The method of claim 1, wherein after receiving a service operation request for a second account sent by a first user based on a registered first account, the method further comprises:
judging whether the service data volume carried in the service operation request reaches a threshold value;
and if the service data volume reaches the threshold value, establishing a communication channel for the first user and the second user according to the account information of the second account.
3. The method of claim 1,
when the communication identifier is a mobile phone number, establishing a communication channel for the first user and the second user according to the communication identifier includes:
and establishing a short message channel, a voice channel or a video channel for the first user and the second user.
4. The method of claim 3,
when the communication identifier is a mailbox address, establishing a communication channel for the first user and the second user according to the communication identifier, including:
and establishing a mail channel for the first user and the second user.
5. The method of claim 4, wherein establishing a short message channel or a mail channel for the first user and the second user comprises:
sending the validity identification information to a second user through a short message or a mail;
and sending the feedback information returned by the second user based on the validity identification information to the first user through a short message or an email.
6. The method of claim 5,
the validity of the second account comprises: validity of the second user identity and availability of the second account;
the validity identification information includes: the authentication problem aiming at the second user and the account information of the second account;
the authentication problem for the second user is used for verifying the identity validity of the second user, and the account information of the second account is used for verifying the availability of the second account.
7. A service processing apparatus applied to a service server, the apparatus comprising:
the request receiving unit is used for receiving a business operation request which is sent by a first user based on a registered first account and aims at a second account, and the second account is registered on the business server by a second user;
the channel establishing unit is used for establishing a communication channel for the first user and the second user according to the account information of the second account so that the first user can confirm the validity of the second account;
the service operation unit is used for completing service operation based on the first account and the second account after receiving confirmation information that the second account sent by the first user is valid;
the channel establishing unit specifically searches a communication identifier of a second user in the account information of the second account, and establishes a communication channel for the first user and the second user according to the communication identifier.
8. The apparatus of claim 7, further comprising:
the threshold value judging unit is used for judging whether the service data volume carried in the service operation request reaches a threshold value or not after receiving the service operation request aiming at a second account sent by a first user based on a registered first account;
and the channel establishing unit is used for establishing a communication channel for the first user and the second user according to the account information of the second account when the service data volume reaches the threshold value.
9. The apparatus of claim 7,
the channel establishing unit is used for establishing a short message channel, a voice channel or a video channel for the first user and the second user when the communication identifier is a mobile phone number.
10. The apparatus of claim 9,
and the channel establishing unit is used for establishing a mail channel for the first user and the second user when the communication identifier is a mailbox address.
11. The apparatus of claim 10,
the channel establishing unit establishes a short message channel or a mail channel for the first user and the second user, specifically, the channel establishing unit sends validity identification information to the second user through a short message or a mail, and sends feedback information returned by the second user based on the validity identification information to the first user through the short message or the mail.
12. The apparatus of claim 11,
the validity of the second account comprises: validity of the second user identity and availability of the second account;
the validity identification information includes: the authentication problem aiming at the second user and the account information of the second account;
the authentication problem for the second user is used for verifying the identity validity of the second user, and the account information of the second account is used for verifying the availability of the second account.
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| CN101324950A (en) * | 2008-07-23 | 2008-12-17 | 中国建设银行股份有限公司 | Method and system for implementing transfer accounts by mobile phone |
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| CN102930469A (en) * | 2012-11-13 | 2013-02-13 | 中国民生银行股份有限公司 | Transfer data processing method and device |
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| CN101324950A (en) * | 2008-07-23 | 2008-12-17 | 中国建设银行股份有限公司 | Method and system for implementing transfer accounts by mobile phone |
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