Directional transfer method and apparatus

Abstract

The invention discloses a directional transfer method and apparatus. The directional transfer method of the invention comprises the steps that a server generates a unique corresponding certification identifier in advance to each directional transfer activity, the certification identifier corresponding to a payment account and a bank account of a payee; when an input device of a client obtains a directional transfer instruction of a directional transfer activity from the payer, the server receives, from the client, information including the certification identifier acquired implicitly by the client ; the server verifies the validity of the certification identifier included in the information from the client; and when the verification is successful, the server parses the certification identifier, acquires the payment account and the bank account of the payee and completes the transfer of funds. According to the invention, no personal information will be leaked as only the certification identifier is transmitted, and the information security of the recipient is increased.

Description

technical field [0001] The invention relates to the security field, in particular to the security guarantee of directional transfer. Background technique [0002] Directed transfer is a kind of transfer method. Conventional directional transfers use ordinary online payment transfers. The payee needs to enter the payer's account number and payer's name as the payment path information for the transfer, which is a direct one-to-one transfer. After the funds are transferred to the payee's payment account, the payee generally needs to initiate a withdrawal from the payment account to the bank account. [0003] However, conventional directional transfers have certain security loopholes. Directed transfers are generally some public activities, and the collection information is disclosed, such as school tuition collection, online private donations, etc. If someone uses the name of the payee with the same name and surname, replaces the payee's account ID with another account ID of...

AI Technical Summary

Problems solved by technology

If someone uses the name of the payee with the same name and surname, replaces the payee account ID with another account ID of the same name, and publishes wrong information on the Internet after modification, it will lead to malicious transfers

In addition, the use of ordinary payment transfer methods cannot guarantee the special purpose of payment funds, and there may be moral hazards, and funds are embezzled for other purposes

Moreover, if a hacker intercepts and decrypts the online message, replaces the payee’s account ID in the message and then steals the message, the payee’s system will verify that the payee’s name and account number are consistent, and the transaction can be processed. If it is completed normally, the result is that the funds are transferred to the fund account of the criminal

Images