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Transfer data processing method and device

A data processing device and data processing technology, which are applied in the field of data processing, can solve the problems of the narrow range of collection accounts, the collection account can only passively accept transfer transactions, etc., to achieve the effect of improving controllability

Inactive Publication Date: 2013-02-13
MINSHENG BANKING CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The present invention proposes a transfer data processing method and device, which are used to solve the problem in the prior art that the collection account number targeted by the transfer data processing method is relatively narrow, and the collection account can only passively accept transfer transactions, so as to achieve Accounts that have opened mobile banking services can also perform transfers and inter-bank transfers, improving the controllability of the payee's transfer transactions

Method used

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  • Transfer data processing method and device
  • Transfer data processing method and device

Examples

Experimental program
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Effect test

Embodiment 1

[0023] figure 1 It is a flow chart of the transfer data processing method provided by Embodiment 1 of the present invention. The method can be executed by the bank server, and can be realized by means of software / hardware. like figure 1 As shown, the transfer data processing method may include:

[0024] Step 101, the bank server receives the transfer transaction message initiated by the client, and the transfer transaction message includes payer information, payee information and transfer amount;

[0025] The client terminal is software developed by the bank for customers to handle business through mobile banking. Customers can choose the corresponding client software according to the operating system adopted by the smartphone and install it on the mobile phone. Customers can activate mobile banking service at banking outlets or through self-registration on the client terminal, set up the account number and transaction password for mobile banking service activation, and bin...

Embodiment 2

[0036] figure 2 It is a flow chart of the payment collection method in the transfer data processing method provided in Embodiment 2 of the present invention. This embodiment is based on the above embodiments, and further optimizes the transfer data processing method to process the funds corresponding to the frozen transfer amount according to the received payment message returned by the payee. It can be executed by the bank server, and can be realized by means of software / hardware. like figure 2 As shown, the method may include:

[0037] Step 201, the bank server identifies the received payment collection message returned by the payee;

[0038] The bank server identifies the receipt message returned by the payee. Specifically, the bank server may first identify the identification data of different data segments in the payment message according to the protocol generated by the bank server according to the receipt message, and according to the identification data Extract t...

Embodiment 3

[0049] On the basis of the above-mentioned embodiments, this embodiment further optimizes the process of receiving payment messages in the transfer data processing method. The method can be executed by the bank server and can be realized by software / hardware. The bank server receiving the payment collection message returned by the payee may include:

[0050] Step S1, the bank server receives the payment collection message sent by the payee through the client; or

[0051] Step S2, the bank server receives the payment collection instruction returned by the payee through the manual agent, and generates the payment collection message according to the payment collection instruction.

[0052] The above step S1 is for the bank server to receive the collection message sent by the payee through the mobile banking client, that is, the collection message is sent by the payee who has opened the mobile banking service of the Bank through the mobile banking client, and the payee passes The...

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Abstract

The invention provides a transfer data processing method and a device. The method includes that transfer trade information transmitted by a user side is received, the transfer trade information comprises player information, payee information and transfer amount, according to the player information and the transfer amount in the transfer trade information, fund corresponding to the transfer amount of a player is frozen, and a payee is informed according to the player information. According to received collection information returned by the payee, and the frozen fund corresponding to the transfer amount is processed. The transfer data processing method and the device can achieve the fact an account number of a bank which does not open mobile banking business can conduct account-transfer and interbank-transfer, and the controllability for transfer transaction of the payee is improved.

Description

technical field [0001] The invention relates to data processing technology, in particular to a transfer data processing method and device. Background technique [0002] With the popularization of mobile communication devices such as smart phones, mobile banking has been widely used due to its advantages of convenience and efficiency. Mobile banking is a banking business handling method launched after online banking and telephone banking. The mobile phone number is bound to the bank account, and the banking business is handled through the mobile communication network. You can log in to mobile banking on the client terminal or through a browser, and you can handle banking services such as inquiries, transfers, and remittances, enabling you to handle business anytime and anywhere, and improving the efficiency of banking business. [0003] At present, the transfer data processing process of the mobile bank transfer business is that when the bank server receives the transfer tra...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
Inventor 郝付国沈伟马兵石菁菁
Owner MINSHENG BANKING CORP
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