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WO2015096800A1 - Procédé, serveur intermédiaire et système de traitement de données - Google Patents

Procédé, serveur intermédiaire et système de traitement de données Download PDF

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Publication number
WO2015096800A1
WO2015096800A1 PCT/CN2014/095062 CN2014095062W WO2015096800A1 WO 2015096800 A1 WO2015096800 A1 WO 2015096800A1 CN 2014095062 W CN2014095062 W CN 2014095062W WO 2015096800 A1 WO2015096800 A1 WO 2015096800A1
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Prior art keywords
user terminal
resource
intermediate server
account corresponding
information
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PCT/CN2014/095062
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English (en)
Chinese (zh)
Inventor
夏冬明
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • the present invention relates to the field of network technologies, and in particular, to a data processing method, an intermediate server, and a system.
  • the main object of the embodiments of the present invention is to provide a data processing method, an intermediate server, and a system, which are intended to improve the security of data processing.
  • an embodiment of the present invention provides a data processing method, where the method includes:
  • the intermediate server acquires a first data processing request generated by the second user terminal according to the graphic information provided by the first user terminal, where the first data processing request is used to request to transfer the resources in the account corresponding to the second user terminal to the An account corresponding to the first user terminal, where the first data processing request includes the verification information and the first resource information of the second user terminal;
  • the intermediate server performs verification on the second user terminal according to the verification information of the second user terminal
  • the intermediate server and the first resource information according to the resource exchange instruction The corresponding resource is transferred from the account corresponding to the second user terminal to the account corresponding to the first user terminal.
  • an embodiment of the present invention further provides a data processing method, including the following steps:
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, where the first data processing request is used to request to transfer resources in the account corresponding to the second user terminal to the first An account corresponding to the user terminal, where the first data processing request includes verification information and first resource information of the second user terminal;
  • the intermediate server performs verification on the second user terminal according to the verification information of the second user terminal
  • the intermediate server transfers the resource corresponding to the first resource information from the account corresponding to the second user terminal to the account corresponding to the first user terminal according to the resource exchange instruction.
  • an embodiment of the present invention further provides an intermediate server, including: a processor, a memory, and a network interface connected to a communication bus;
  • the processor is configured to invoke a data transfer application in the memory to perform the following operations:
  • a first data processing request generated by the second user terminal according to the graphic information provided by the first user terminal where the first data processing request is used to request resources in an account corresponding to the second user terminal Transferring to an account corresponding to the first user terminal, where the first data processing request includes verification information and first resource information of the second user terminal;
  • the resource corresponding to the first resource information is transferred from the account corresponding to the second user terminal to the account corresponding to the first user terminal according to the resource exchange instruction.
  • the embodiment of the present invention further provides a data processing system, including: a first user terminal, a second user terminal, and an intermediate server, where:
  • the first user terminal is configured to provide graphic information
  • the second user terminal is configured to generate a first data processing request according to the graphic information, and send the first data processing request to the intermediate server, where the first data processing request is used to request the first
  • the resources in the account corresponding to the two user terminals are transferred to the account corresponding to the first user terminal, and the first data processing request includes the verification information and the first resource information of the second user terminal;
  • the intermediate server is configured to perform verification on the second user terminal according to the verification information of the second user terminal; when the verification is passed, the intermediate server will correspond to the first resource information according to the resource exchange instruction
  • the resource is transferred from the account corresponding to the second user terminal to the account corresponding to the first user terminal.
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, and the information interaction between the first user terminal and the second user terminal is completed by using graphic information that cannot be directly read by the human eye.
  • the other information is completed by the background transmission, so that the information in the whole process is difficult to be intercepted by the malicious user, thereby improving the security effect of the whole process, and the first user terminal provides information to the second user terminal through the graphic information, Manual input is required, which also improves the operational efficiency of the entire process.
  • FIG. 1 is a schematic flow chart of a data processing method according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart of a data processing method according to another embodiment of the present invention.
  • FIG. 3 is a schematic flowchart of a data processing method according to another embodiment of the present invention.
  • FIG. 4 is a diagram showing an example of an interface of graphic information provided by a first user terminal in a data processing method according to an embodiment of the present invention
  • FIG. 5 is a diagram showing an example of an interface after the second user terminal parses the graphic information of the first user terminal in the data processing method according to an embodiment of the present invention
  • FIG. 5b is a diagram showing an example of an interface when a second user terminal initiates a first data processing request according to the graphic information of the first user terminal in the data processing method according to an embodiment of the present invention
  • FIG. 6 is a diagram showing an example of an interface for displaying resource exchange state information by a first user terminal in a data processing method according to an embodiment of the present invention
  • 6b is a diagram showing an example of an interface for displaying resource exchange state information by a second user terminal in a data processing method according to an embodiment of the present invention
  • FIG. 7 is a schematic flowchart diagram of a data processing method according to another embodiment of the present invention.
  • FIG. 8 is a diagram showing an example of an operation when a first user terminal initiates a second data processing request in a data processing method according to another embodiment of the present invention.
  • FIG. 9 is a diagram showing an example of an interface for displaying graphic information by a first user terminal in a data processing method according to another embodiment of the present invention.
  • FIG. 10 is a schematic flowchart diagram of a data processing method according to another embodiment of the present invention.
  • FIG. 11 is a schematic flowchart of a data processing method according to another embodiment of the present invention.
  • FIG. 12 is a schematic flowchart diagram of a data processing method according to another embodiment of the present invention.
  • FIG. 13 is a schematic flowchart diagram of a data processing method according to another embodiment of the present invention.
  • FIG. 14 is a schematic diagram of functional modules of an intermediate server according to an embodiment of the present invention.
  • FIG. 15 is a schematic diagram of functional modules of an intermediate server according to another embodiment of the present invention.
  • 16 is a schematic diagram of a hardware architecture of an intermediate server according to another embodiment of the present invention.
  • FIG. 17 is a schematic diagram of a communication structure of a data processing system according to an embodiment of the present invention.
  • One embodiment of the present invention proposes a data processing method.
  • the data processing method of this embodiment includes the following steps:
  • Step S101 The intermediate server acquires a first data processing request generated by the second user terminal according to the graphic information provided by the first user terminal.
  • the first data processing request is used to request to transfer the resources in the account corresponding to the second user terminal to the account corresponding to the first user terminal, where the first data processing request includes the verification information and the first resource information of the second user terminal.
  • the verification information of the second user terminal may include account information and a verification password bound by the second user terminal.
  • the graphic information can be in the form of a picture, such as a barcode and a two-dimensional code.
  • the graphical information may include digital information or character information stored in the picture.
  • the second user terminal is a smart terminal having a graphic information acquiring function, such as a mobile phone, a tablet computer, a PDA (Personal Digital Assistant), and the like.
  • a graphic information acquiring function such as a mobile phone, a tablet computer, a PDA (Personal Digital Assistant), and the like.
  • Step S102 The intermediate server performs verification on the second user terminal according to the verification information of the second user terminal.
  • the intermediate server stores in advance account information corresponding to the second user terminal and a verification password. It can be understood that the second user terminal can correspond to multiple accounts, and each account can have the same verification password, or each account has its own verification password. Intermediate suit The server verifies the verification information sent by the second user terminal with the verification information corresponding to the second user terminal stored in the intermediate server.
  • Step S103 When the verification is passed, the intermediate server transfers the resource corresponding to the first resource information from the account corresponding to the second user terminal to the account corresponding to the first user terminal according to the resource exchange instruction.
  • the intermediate server is a transit server and can communicate with the first user terminal and the second user terminal.
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, and the information interaction between the first user terminal and the second user terminal is completed by using graphic information that cannot be directly read by the human eye.
  • the other information is completed by the background transmission, so that the information in the whole process is difficult to be intercepted by the malicious user, thereby improving the security effect of the whole process, and the first user terminal provides information to the second user terminal through the graphic information, Manual input is required, which also improves the operational efficiency of the entire process.
  • step S103 includes:
  • the intermediate server sends the first resource exchange instruction to the resource exchange processing server, so that the resource exchange processing server transfers the resource corresponding to the first resource information from the account corresponding to the second user terminal to the account corresponding to the intermediate server;
  • the intermediate server verifies the second user terminal
  • the first resource exchange instruction is sent to the resource exchange processing server, so that the resource exchange processing server allocates the resource corresponding to the first resource information according to the first resource exchange instruction. Transfer from the account corresponding to the second user terminal to the account corresponding to the intermediate server.
  • the first resource exchange instruction may include account information and first resource information corresponding to the second user terminal.
  • the intermediate server sends the second resource exchange instruction to the resource exchange processing server, so that the resource exchange processing server transfers the resource from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the intermediate server may send the second resource exchange instruction to the resource exchange processing server.
  • the resource exchange processing server transfers the resource from the account corresponding to the intermediate server to the account corresponding to the first user terminal according to the second resource exchange instruction.
  • the second resource exchange instruction may include account information and first resource information corresponding to the first user terminal.
  • the resource is first transferred from the account corresponding to the second user terminal to the account corresponding to the intermediate server, and then transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal, so that even the first user terminal and the first user
  • the account used by the two user terminals is different, and the resource transfer can also be implemented, as long as the account corresponding to the intermediate server has the resource transfer with the account used by the first user terminal, and has the resource transfer with the account used by the second user terminal.
  • the capability is sufficient, and the account used by the first user terminal and the second user terminal can realize resource transfer, thereby being not limited by account differences.
  • the data processing method of the above embodiment is further explained: when the second user terminal successfully pays, the amount paid by the second user terminal will be transferred to the middle. Within the account corresponding to the server.
  • the intermediate server will then send a transfer request, ie a second resource exchange instruction, to the resource exchange processing server, the transfer request including an account corresponding to the first user terminal (eg "1234000000000000") and a transfer amount (eg "12 yuan").
  • the resource exchange processing server transfers the corresponding amount in the account corresponding to the intermediate server to the account corresponding to the first user terminal according to the transfer request.
  • the intermediate server may be set to send a transfer request at a predetermined time interval, or the resource corresponding to the first user terminal in the corresponding account of the intermediate server exceeds a preset. A transfer request is sent at the threshold.
  • the intermediate server may also send a transfer request to the resource exchange processor server according to the payment request sent by the first user terminal.
  • step S103b includes any one of the following four implementation manners:
  • the first implementation manner is: when the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, the intermediate server sends a second resource exchange instruction to the resource exchange processing server, and the second resource exchange instruction is used to request the first
  • the resource corresponding to the resource information is transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the intermediate server sends a second resource exchange instruction to the resource exchange processing server at a predetermined time after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server; the second resource exchange instruction is used to request All resources that need to be transferred to the first user terminal are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; the predetermined time is every predetermined The time interval is determined, such as the time determined every other day, the time determined every other week, the time determined every other month, or the time agreed by other situations, or,
  • the third implementation manner is: after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, if the total number of resources that need to be transferred to the first user terminal reaches a preset threshold, the intermediate server sends a second resource exchange command to a resource exchange processing server; the second resource exchange instruction is used to request that all resources that need to be transferred to the first user terminal are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the fourth implementation manner is: after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, if receiving the transfer request of the first user terminal, the intermediate server sends the second resource exchange instruction to the resource exchange processing server;
  • the two resource exchange instructions are used to request all resources that need to be transferred to the first user terminal, and are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the number of times that the intermediate server sends the second resource exchange instruction to the resource exchange processing server can be reduced, the number of signaling transmissions is saved, and the working efficiency of the intermediate server and the resource exchange processing server is improved.
  • the method further includes:
  • Step S104 The intermediate server acquires a response of the resource exchange processing server to the first resource exchange instruction.
  • the processing result includes a successful resource exchange or a resource exchange failure.
  • Step S105 The intermediate server sends the resource exchange status information to the first user terminal and the second user terminal according to the response of the resource exchange processing server to the first resource exchange instruction.
  • the data processing method of this embodiment can be specifically applied to electronic payment of goods.
  • the second user terminal has a mobile payment function, that is, the second user terminal needs to bind at least one card with the online banking function, and when the payment is needed, select the bound card, and input the verification corresponding to the bound card. With the password, you can complete the payment.
  • the first user terminal will provide a graphical message.
  • the graphic information is two-dimensional code information, and may of course be other graphic information.
  • the two-dimensional code stores the amount of money to be paid and the information of the first user terminal.
  • the second user terminal will enable the graphic information recognition function, such as scanning and identifying the two-dimensional code shown in FIG. 4, and displaying the recognized result: the first user terminal's letter The amount of interest and the amount to be paid, as shown in Figure 5a.
  • the second user terminal enters the payment interface as shown in Figure 5b.
  • the intermediate server verifies the card number and the verification password input by the second user terminal.
  • the intermediate server sends the first resource exchange instruction to the resource exchange processing server, so that the resource exchange processing server will use the resource corresponding to the first resource information. Transfer from the account corresponding to the second user terminal to the account corresponding to the intermediate server.
  • the resource exchange processor performs resource exchange, the processing result is returned to the intermediate server.
  • the intermediate server exchanges status information with the first user terminal and the second user terminal resource, as shown in FIG. 6a and FIG. 6b.
  • the intermediate server sends the second resource exchange instruction to the resource exchange processing server according to the four implementation manners provided in step 103b, so that the resource exchange processing server transfers the resource from the account corresponding to the intermediate server to the account corresponding to the first user terminal. .
  • the method further includes:
  • Step S106 The intermediate server acquires a second data processing request initiated by the first user terminal.
  • the second data processing request includes an account corresponding to the first user terminal and first resource information.
  • the first user terminal may be a network-enabled terminal such as a PC, a mobile phone, a tablet, or a PDA.
  • Step S107 The intermediate server generates graphic information according to the second data processing request, and sends the graphic information to the first user terminal.
  • the first user terminal needs to provide a graphic information for the second user terminal to perform scanning and identification, and complete the payment process. Specifically, the first user terminal inputs an account corresponding to the first user terminal (for example, “1234000000000000”) and an amount to be paid (for example, “12 yuan”) in an input box as shown in FIG. 8 to initiate a payment request. .
  • the intermediate server receives the payment request, it stores the payment request, and generates graphic information corresponding to the payment request, and returns to the first user terminal for display, as shown in FIG.
  • the graphic information returned by the above intermediate server can be generated immediately according to the payment request initiated by the first user terminal.
  • the graphic information can also be stored on the first user terminal and displayed, as shown in FIG.
  • the graphic information of the same payment amount can be used for reuse, thus eliminating the need for the first user terminal for each data processing.
  • the intermediate server returns graphical information, which speeds up data processing.
  • the method further includes:
  • Step S108 The intermediate server acquires an authentication request initiated by the first user terminal.
  • the verification request includes verification information of the first user terminal.
  • the verification information includes a first user terminal mobile phone number, or a client account number and password on the first user terminal, and the like.
  • Step S109 The intermediate server performs verification on the first user terminal according to the verification information of the first user terminal.
  • Step S110 When the verification ends, the intermediate server sends the verification status information to the first user terminal.
  • the embodiment of the present invention when the first user terminal needs to perform data processing through the intermediate server, the authentication process needs to be performed first, and only the first user terminal that passes the verification can perform data processing through the intermediate server. Therefore, the embodiment of the present invention fully guarantees the legitimacy of the first user terminal, and further improves the security of data processing. Moreover, only one verification is needed, and the first user terminal can use the resource transfer function provided by the intermediate server multiple times, and the operation is simple and efficient.
  • the data processing method of this embodiment includes the following steps:
  • Step S201 The second user terminal 400 generates a first data processing request according to the graphic information provided by the first user terminal 100.
  • the first data processing request is used to request to transfer the resources in the account corresponding to the second user terminal to the account corresponding to the first user terminal, where the first data processing request includes the verification information and the first resource information of the second user terminal.
  • the verification information of the second user terminal may include account information and a verification password bound by the second user terminal.
  • the graphic information can be in the form of a picture, such as a barcode and a two-dimensional code picture.
  • the graphical information may include digital information or character information stored in the picture.
  • the second user terminal is a smart terminal having a graphic information acquiring function, such as a mobile phone, a tablet computer, a PDA, or the like.
  • Step S202 The second user terminal 400 sends a first data processing request to the intermediate server 200.
  • Step S203 The intermediate server 200 verifies the second user terminal 400 according to the first data processing request initiated by the second user terminal 400.
  • the intermediate server stores in advance account information corresponding to the second user terminal and a verification password. It can be understood that the second user terminal can correspond to multiple accounts, and each account can have the same verification password, or each account has its own verification password.
  • the intermediate server verifies the verification information sent by the second user terminal and the verification information corresponding to the second user terminal stored in the intermediate server.
  • Step S204 when the verification is passed, the intermediate server 200 sends a first resource exchange instruction to the resource exchange processing server 300;
  • the intermediate server verifies the second user terminal
  • the first resource exchange instruction is sent to the resource exchange processing server, so that the resource exchange processing server uses the resource corresponding to the first resource information from the second resource exchange instruction according to the first resource exchange instruction.
  • the account corresponding to the user terminal is transferred to the account corresponding to the intermediate server.
  • Step S205 After the resource exchange processing server 300 responds to the first resource exchange instruction, returning the processing result;
  • Step S206 The intermediate server 200 transmits the resource exchange status information to the first user terminal 100 and the second user terminal 400 according to the response of the resource exchange processing server 300 to the first resource exchange command.
  • Step S207 The intermediate server 200 sends a second resource exchange instruction to the resource exchange processing server 300 to the resource exchange processing server 300, so that the resource exchange processing server 300 transfers the resource corresponding to the second resource information from the account corresponding to the intermediate server 200 to The account corresponding to the first user terminal.
  • the intermediate server 200 may send a second resource exchange instruction to the resource exchange processing server 300.
  • the resource exchange processing server 300 transfers the resources in the corresponding account of the intermediate server to the corresponding account of the first user terminal according to the second resource exchange instruction.
  • the second user terminal successfully pays
  • the amount paid by the second user terminal 400 will be transferred to the corresponding account of the intermediate server 200.
  • the intermediate server 200 will then send a transfer request to the resource exchange processing server 300, the transfer request including the first user terminal corresponding account (eg "1234000000000000") and the transfer amount (eg "12 yuan").
  • the resource exchange processing server 300 transfers the corresponding amount in the corresponding account of the intermediate server to the corresponding account of the first user terminal according to the transfer request.
  • the intermediate server may be set to send a transfer request at a predetermined time interval, or the resource corresponding to the first user terminal in the corresponding account of the intermediate server exceeds one. Send a transfer when presetting the threshold begging.
  • the intermediate server may also send a transfer request to the resource exchange processor server according to the payment request sent by the first user terminal. That is, step 207 is similar to step 103b, and there may be four similar implementations.
  • the method further includes:
  • Step S208 The first user terminal 100 initiates a second data processing request to the intermediate server 200.
  • the second data processing request includes an account corresponding to the first user terminal and first resource information.
  • the first user terminal 100 can be a network-enabled terminal such as a PC, a mobile phone, a tablet, or a PDA.
  • Step S209 The intermediate server 200 generates graphic information according to the second data processing request, and sends the graphic information to the first user terminal 100.
  • the intermediate server 200 will also verify the identity of the first user terminal 100. After the verification is passed, the subsequent operations can be performed. When the first user terminal 100 is legal, graphic information corresponding to the second data processing request is generated. The intermediate server 200 returns graphical information to the first user terminal 100.
  • the first user terminal needs to provide a graphic information for the second user terminal to perform scanning and identification, and complete the payment process. Specifically, the first user terminal inputs an account corresponding to the first user terminal (for example, “1234000000000000”) and an amount to be paid (for example, “12 yuan”) in an input box as shown in FIG. 8 to initiate a payment request. .
  • the intermediate server receives the payment request, it stores the payment request, and generates graphic information corresponding to the payment request, and returns to the first user terminal for display, as shown in FIG.
  • the graphic information returned by the above intermediate server can be generated immediately according to the payment request initiated by the first user terminal.
  • the graphic information can also be stored on the first user terminal and displayed, as shown in FIG.
  • the graphic information of the same payment amount can be used for repeated use, so that each time the data processing is omitted, the first user terminal requests the intermediate server to return the graphic information, thereby speeding up The speed of data processing.
  • the method further includes:
  • Step S210 The first user terminal 100 initiates a verification request to the intermediate server 200.
  • the verification request includes verification information of the first user terminal 100.
  • the verification information includes a first user terminal mobile phone number, or a client account number and password on the first user terminal 100, and the like.
  • Step S211 The intermediate server 200 verifies the first user terminal 100 according to the verification information of the first user terminal 100.
  • Step S212 When the verification ends, the intermediate server 200 transmits the verification status information to the first user terminal 100.
  • the embodiment of the present invention when the first user terminal 100 needs to perform payment through the intermediate server 200, the authentication process needs to be performed first, and only the first user terminal that passes the verification can perform data processing through the intermediate server. Therefore, the embodiment of the present invention fully guarantees the legitimacy of the first user terminal, and further improves the security of data processing.
  • the present invention proposes an intermediate server.
  • the intermediate server of this embodiment includes:
  • the receiving module 110 is configured to acquire a first data processing request generated by the second user terminal according to the graphic information provided by the first user terminal, where the first data processing request includes the verification information of the second user terminal and the first resource information, and the first resource The information is used to request that the resources in the account corresponding to the second user terminal be transferred to the account corresponding to the first user terminal.
  • the verification module 120 is configured to verify the second user terminal according to the verification information of the second user terminal.
  • the sending module 130 is configured to transfer the resource corresponding to the first resource information from the account corresponding to the second user terminal to the account corresponding to the first user terminal according to the resource exchange instruction.
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, and the information interaction between the first user terminal and the second user terminal is completed by using graphic information that cannot be directly read by the human eye.
  • the other information is completed by the background transmission, so that the information in the whole process is difficult to be intercepted by the malicious user, thereby improving the security effect of the whole process, and the first user terminal provides information to the second user terminal through the graphic information, Manual input is required, which also improves the operational efficiency of the entire process.
  • the sending module 130 is configured to send the first resource exchange instruction to the resource exchange processing server, so that the resource exchange processing server transfers the resource corresponding to the first resource information from the account corresponding to the second user terminal to the intermediate server. Account.
  • the sending module 130 is further configured to send the second resource exchange instruction to the resource exchange processing server, so that the resource exchange processing server transfers the resource from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the resource is first transferred from the account corresponding to the second user terminal to the account corresponding to the intermediate server, and then transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal, so that even the first user terminal and the first user
  • the account used by the two user terminals is different, and the resource transfer can also be implemented, as long as the account corresponding to the intermediate server has the resource transfer with the account used by the first user terminal, and has the resource transfer with the account used by the second user terminal.
  • the capability is sufficient, and the account used by the first user terminal and the second user terminal can realize resource transfer, thereby being not limited by account differences.
  • the above intermediate server further includes a graphic information generating module 140.
  • the receiving module 110 is further configured to obtain a second data processing request initiated by the first user terminal, where the second data processing request includes an account corresponding to the first user terminal and first resource information.
  • the graphic information generating module 140 is configured to generate graphic information according to the second data processing request.
  • the sending module 130 is further configured to send the graphic information to the first user terminal.
  • the graphic information returned by the above intermediate server can be generated immediately according to the payment request initiated by the first user terminal.
  • the graphic information can also be stored on the first user terminal and displayed, as shown in FIG. 7.
  • the graphic information of the same payment amount can be used for repeated use, so that each time the data processing is omitted, the first user terminal requests the intermediate server to return the graphic information, thereby speeding up The speed of data processing.
  • the receiving module 110 is further configured to obtain an authentication request initiated by the first user terminal, where the verification request includes verification information of the first user terminal.
  • the verification module 120 is further configured to perform verification on the first user terminal according to the verification information of the first user terminal.
  • the sending module 130 is further configured to send the verification status information to the first user terminal when the verification ends.
  • the embodiment of the present invention when the first user terminal needs to perform payment through the intermediate server, the authentication process needs to be performed first, and only the first user terminal that passes the verification can perform data processing through the intermediate server. Therefore, the embodiment of the present invention fully guarantees the legitimacy of the first user terminal, and further improves the security of data processing.
  • the intermediate server sends a transfer request to the resource exchange processing server, where the transfer request includes the first user terminal corresponding account (for example, "1234000000000000") And the amount of the transfer (for example, "12 yuan"). Then, the resource exchange processing server transfers the corresponding amount in the account corresponding to the intermediate server to the account corresponding to the first user terminal according to the transfer request.
  • the intermediate server may be set to send a transfer request at a predetermined time interval, or the resource corresponding to the first user terminal in the corresponding account of the intermediate server exceeds a preset. A transfer request is sent at the threshold.
  • the intermediate server may also send a transfer request to the resource exchange processor server according to the payment request sent by the first user terminal.
  • the sending module 130 is further configured to: when the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, send the second resource exchange instruction to the resource exchange processing server, where the second resource exchange instruction is used to request The resource corresponding to the first resource information is transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the sending module 130 is further configured to: send a second resource exchange instruction to the resource exchange processing server at a predetermined time after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server; and the second resource exchange instruction is used to request that the resource will be needed All resources transferred to the first user terminal are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the sending module 130 is further configured to: after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, if the total number of resources that need to be transferred to the first user terminal reaches a preset threshold, sending the second resource exchange instruction to the resource Exchanging a processing server; the second resource exchange instruction is used to request that all resources that need to be transferred to the first user terminal are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the sending module 130 is further configured to: after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server, if the transfer request of the first user terminal is received, send the second resource exchange instruction to the resource exchange processing server;
  • the resource exchange instruction is used to request all resources that need to be transferred to the first user terminal, and is transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the data transfer server includes a processor 101, a memory 102, a user interface 103, a network interface 104, and a communication bus 105.
  • the communication bus 105 is used for communication between components in the local server, and the user interface 103 is used to receive information input by the user.
  • the user interface may be a wired interface and a wireless interface, such as a keyboard, a mouse, or the like.
  • the network interface 104 is used to verify that the server communicates with the outside, and the network interface may also include a wired interface and a wireless interface.
  • the memory 102 can include one or more The computer readable storage medium, and includes not only internal memory but also external memory.
  • the memory stores an operating system, a data transfer application, and the like.
  • the processor 101 is configured to call a data transfer application in the memory 102 to perform the following operations:
  • the first data processing request initiated by the second user terminal according to the graphic information provided by the first user terminal is acquired through the network interface 104.
  • the first data processing request is used to request to transfer the resources in the account corresponding to the second user terminal to the account corresponding to the first user terminal, where the first data processing request includes the verification information and the first resource information of the second user terminal.
  • the second user terminal is authenticated in response to the first data processing request.
  • the resource corresponding to the first resource information is transferred from the account corresponding to the second user terminal to the account corresponding to the first user terminal according to the resource exchange instruction.
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, and the information interaction between the first user terminal and the second user terminal is completed by using graphic information that cannot be directly read by the human eye.
  • the other information is completed by the background transmission, so that the information in the whole process is difficult to be intercepted by the malicious user, thereby improving the security effect of the whole process, and the first user terminal provides information to the second user terminal through the graphic information, Manual input is required, which also improves the operational efficiency of the entire process.
  • processor 101 is further configured to call a data processing application in the memory 102 to perform the following operations:
  • the second resource exchange instruction is sent to the resource exchange processing server through the network interface 104, so that the resource exchange processing server transfers the resource from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the resource is first transferred from the account corresponding to the second user terminal to the account corresponding to the intermediate server, and then transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal, so that even the first user terminal and the first user
  • the account used by the two user terminals is different, and the resource transfer can also be implemented, as long as the account corresponding to the intermediate server has the resource transfer with the account used by the first user terminal, and has the resource transfer with the account used by the second user terminal.
  • the capability is sufficient, and the account used by the first user terminal and the second user terminal can realize resource transfer, thereby being not limited by account differences.
  • processor 101 is further configured to call a data processing application in the memory 102 to perform the following operations:
  • the second resource exchange instruction is sent to the resource exchange processing server through the network interface 104, where the second resource exchange instruction is used to request that the resource corresponding to the first resource information is to be
  • the resource is transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the second resource exchange instruction is sent to the resource exchange processing server through the network interface 104.
  • the second resource exchange instruction is used to request that all resources that need to be transferred to the first user terminal are transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal; or
  • the second resource exchange instruction is sent to the resource exchange processing server through the network interface 104; the second resource exchange instruction For requesting all resources that need to be transferred to the first user terminal, and transferring from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • processor 101 is further configured to call a data processing application in the memory 102 to perform the following operations:
  • the resource exchange status information is transmitted to the first user terminal and the second user terminal through the network interface 104 according to the response of the resource exchange processing server to the first resource exchange instruction.
  • processor 101 is further configured to call a data transfer application in the memory 102 to perform the following operations:
  • the graphic information corresponding to the second data processing request is returned to the first user terminal through the network interface 104.
  • processor 101 is further configured to call a data transfer application in the memory 102 to perform the following operations:
  • the verification request initiated by the first user terminal is obtained through the network interface 104.
  • the first user terminal is authenticated according to the verification request of the first user terminal.
  • the verification status information is transmitted to the first user terminal 100 through the network interface 104.
  • a data processing system includes: a first user terminal 100, an intermediate server 200, a resource exchange processing server 300, and a second user terminal 400, where:
  • the first user terminal 100 is configured to provide graphic information
  • the second user terminal 400 is configured to generate a first data processing request according to the graphics information, and send the first data processing request to the intermediate server, where the first data processing request is used to request to transfer the resources in the account corresponding to the second user terminal.
  • the first data processing request includes the verification information and the first resource information of the second user terminal 400;
  • the intermediate server 200 is configured to perform verification on the second user terminal 400 according to the verification information of the second user terminal 400.
  • the verification is passed, the resource corresponding to the first resource information is corresponding to the second user terminal 400 according to the resource exchange instruction.
  • the account is transferred to the account corresponding to the first user terminal 100.
  • the second user terminal generates a first data processing request according to the graphic information provided by the first user terminal, and the information interaction between the first user terminal and the second user terminal is completed by using graphic information that cannot be directly read by the human eye.
  • the other information is completed by the background transmission, so that the information in the whole process is difficult to be intercepted by the malicious user, thereby improving the security effect of the whole process, and the first user terminal provides information to the second user terminal through the graphic information, Manual input is required, which also improves the operational efficiency of the entire process.
  • the intermediate server 200 is configured to send the first resource exchange instruction to the resource exchange processing server 300, so that the resource exchange processing server 300 transfers the resource corresponding to the first resource information from the account corresponding to the second user terminal 400 to The account corresponding to the intermediate server 200.
  • the intermediate server 200 is configured to send the second resource exchange instruction to the resource exchange processing server 300, so that the resource exchange processing server 300 transfers the resource from the account corresponding to the intermediate server 200 to the account corresponding to the first user terminal 100.
  • the resource is first transferred from the account corresponding to the second user terminal to the account corresponding to the intermediate server, and then transferred from the account corresponding to the intermediate server to the account corresponding to the first user terminal.
  • the user enables resource transfer even if the accounts used by the first user terminal and the second user terminal are different, as long as the account corresponding to the intermediate server has resource transfer with the account used by the first user terminal, and has the second
  • the account used by the user terminal can perform resource transfer, and the account used by the first user terminal and the second user terminal can implement resource transfer, thereby being not limited by account differences.
  • the intermediate server 200 is configured to: when the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server 200, send the second resource exchange instruction to the resource exchange processing server 300, where the second resource exchange instruction is used to request Transferring the resource corresponding to the first resource information from the account corresponding to the intermediate server 200 to the account corresponding to the first user terminal 100; or
  • the intermediate server 200 is configured to send a second resource exchange instruction to the resource exchange processing server 300 at a predetermined time after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server 200; the second resource exchange instruction is used to request that All the resources that need to be transferred to the first user terminal 100 are transferred from the account corresponding to the intermediate server 200 to the account corresponding to the first user terminal 100; or
  • the intermediate server 200 is configured to: after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server 200, if the total number of resources that need to be transferred to the first user terminal 100 reaches a preset threshold, send a second resource exchange command to
  • the resource exchange processing server 300 is configured to request that all resources that need to be transferred to the first user terminal 100 are transferred from the account corresponding to the intermediate server 200 to the account corresponding to the first user terminal 100; or
  • the intermediate server 200 is configured to send a second resource exchange instruction to the resource exchange processing server 300 after receiving the transfer request of the first user terminal 100 after the resource corresponding to the first resource information is transferred to the account corresponding to the intermediate server 200;
  • the second resource exchange instruction is used to request that all resources that need to be transferred to the first user terminal 300 be transferred from the account corresponding to the intermediate server 200 to the account corresponding to the first user terminal 100.
  • the first user terminal 100 is configured to initiate a second data processing request to the intermediate server 200, where the second data processing request includes an account corresponding to the first user terminal 100 and first resource information;
  • the intermediate server 200 is further configured to generate graphic information according to the second data processing request, and send the graphic information to the first user terminal 100.
  • the first user terminal 100 is further configured to initiate an authentication request to the intermediate server 200, where the verification request includes verification information of the first user terminal 100;
  • the intermediate server 200 is further configured to perform verification on the first user terminal 100 according to the verification information of the first user terminal 100; when the verification ends, send the verification status information to the first user terminal 100.
  • the intermediate server may be a server corresponding to the public account
  • the first user terminal is a terminal corresponding to the user account of the public account.
  • the second user terminal is a terminal corresponding to another user account.

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Abstract

La présente invention concerne un procédé, un serveur intermédiaire et un système de traitement de données, le procédé consistant à : acquérir une première demande de traitement de données générée par un second terminal d'utilisateur conformément aux informations graphiques fournies par un premier terminal d'utilisateur ; authentifier le second terminal d'utilisateur conformément aux informations d'authentification du second terminal d'utilisateur ; après l'authentification, envoyer une instruction d'échange de ressource à un serveur de traitement d'échange de ressource, le serveur de traitement d'échange de ressource transférant une ressource correspondant à des premières informations de ressource d'un compte correspondant au second terminal d'utilisateur à un compte correspondant à un serveur intermédiaire. L'invention concerne également un serveur intermédiaire et un système de traitement de données. La présente invention améliore la sécurité de traitement de données.
PCT/CN2014/095062 2013-12-27 2014-12-26 Procédé, serveur intermédiaire et système de traitement de données Ceased WO2015096800A1 (fr)

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