Method and apparatus for proximity-based inter-account transactions

Abstract

The present specification provides a method for realizing inter-account service in proximity, which is applied to a server of a first site, and the method comprises: receiving polling of an inter-account service message by a service code from a terminal of a first user; the service code is generated by the terminal of the first user and provided to a terminal of a second user belonging to a second site, and is used for inter-account service, wherein the service code comprises an identification of the first user account and a first site to which the first user account belongs; performing an operation of the inter-account service with a server of the second site; the operation of the inter-account service is initiated by the server of the second site according to a request of the inter-account service sent by the terminal of the second user, wherein the request carries the service code and second user account information, and the operation is initiated to the server with the first site identification in the service code; generating a message of the inter-account service and sending the message to the terminal of the first user, so that the terminal of the first user performs service processing according to the message of the inter-account service, and the message comprises the service code.

Description

[0001] This application is a divisional application of Chinese Patent Application No. 201610150799.1, filed on March 16, 2016, entitled "Method and Device for Realizing Inter-account Business in Close Range". TECHNICAL FIELD

[0002] The present specification relates to the field of network communication technology, and in particular to a method and device for realizing inter-account business in close range. BACKGROUND

[0003] With the development of mobile Internet technology and the popularity of smart terminals, various inter-account businesses in close range based on user accounts have obtained broad development space. Two users can realize mobile payment between their accounts, information sharing between their accounts, and other businesses by scanning two-dimensional codes, bar codes, and the like.

[0004] In the prior art, after a terminal of a first user scans a two-dimensional code of a second user, the terminal of the first user sends the scanned two-dimensional code information and related information of a business to be performed to a site server where an account of the first user is opened, the site server parses the two-dimensional code information to obtain the account of the second user, and then completes the specified business between the account of the first user and the account of the second user.

[0005] That is, the first user and the second user both need to open user accounts on the same site, and the site server can understand that the requested business is performed between which two user accounts, so as to complete various inter-account businesses. If the accounts of the two users are located in different sites and are managed by different site servers, the inter-account business cannot be quickly and conveniently realized in close range by scanning a code and the like, which causes great inconvenience to the users. SUMMARY

[0006] Therefore, the present specification provides a method for realizing inter-account business in close range, which is applied to a server of a first site, and the method comprises the following steps.

[0007] Receiving polling of an inter-account business message by a terminal of a first user through a business code; the business code is generated by the terminal of the first user and provided to a terminal of a second user belonging to a second site, and is used for inter-account business between an account of the first user and an account of the second user, and includes an identification of the first user account and a first site to which the first user account belongs;

[0008] Performing an operation of the inter-account business with a server of the second site; the operation of the inter-account business is initiated by the server of the second site according to a request of the inter-account business sent by the terminal of the second user and carrying the business code and information of the account of the second user, and is sent to the server with the identification of the first site in the business code;

[0009] The message of the inter-account service is generated and sent to the terminal of the first user, so that the terminal of the first user processes the inter-account service according to the message of the inter-account service.

[0010] The present specification provides a method for realizing inter-account service in proximity, which is applied to a server of a second site, and the server of the second site stores an access mode of a server of another site. The method comprises the following steps:

[0011] The request of the inter-account service is received, and the request of the inter-account service comprises a service code of a first user account and second user account information for realizing the inter-account service, and the service code comprises an identification of the first user account and a first site to which the first user account belongs.

[0012] When the identification of the first site in the service code is different from the identification of the current site, the inter-account service is operated with the server of the first site having the identification of the first site according to the stored access mode.

[0013] The message of the inter-account service is generated and sent to the terminal of the second user, so that the terminal of the second user processes the inter-account service according to the message of the inter-account service.

[0014] The present specification provides a device for realizing inter-account service in proximity, which is applied to a server of a first site, and the device comprises the following steps:

[0015] The first polling receiving unit is used for receiving the polling of the inter-account service message by the service code of the first user terminal. The service code is generated by the first user terminal and provided to the second user terminal of a second site, and is used for the inter-account service between the first user account and the second user account, and comprises the identification of the first user account and the first site to which the first user account belongs.

[0016] The first service operation unit is used for operating the inter-account service with the server of the second site. The inter-account service operation is initiated by the server of the second site to the server having the identification of the first site in the service code according to the request of the inter-account service sent by the terminal of the second user and carrying the service code and the second user account information.

[0017] The first message issuing unit is used for generating the message of the inter-account service and sending the message to the terminal of the first user, so that the terminal of the first user processes the inter-account service according to the message of the inter-account service, and the message comprises the service code.

[0018] The specification provides a device for realizing inter-account service in proximity, which is applied to a server of a second site, and the server of the second site stores access manners of servers of other sites, and the device comprises:

[0019] a service request receiving unit configured to receive a request for the inter-account service sent by a terminal of a second user, wherein the request for the inter-account service comprises a service code of a first user account for the inter-account service and second user account information, and the service code comprises an identification of the first user account and a first site to which the first user account belongs;

[0020] a second service operation unit configured to, when the first site identification in the service code is different from an identification of the current site, perform an operation of the inter-account service with a server of a first site having the first site identification by using the stored access manners;

[0021] a second message issuing unit configured to generate a message of the inter-account service and send the message to the terminal of the second user, so that the terminal of the second user performs service processing according to the message of the inter-account service, and the message comprises the service code.

[0022] The specification provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program which can be run by the processor, and when the processor runs the computer program, the steps of the method for realizing inter-account service in proximity which is applied to a server of a first site are performed.

[0023] The specification provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program which can be run by the processor, and when the processor runs the computer program, the steps of the method for realizing inter-account service in proximity which is applied to a server of a second site are performed.

[0024] The specification provides a computer readable storage medium, which stores a computer program, and when the computer program is run by a processor, the steps of the method for realizing inter-account service in proximity which is applied to a server of a first site are performed.

[0025] The specification also provides a computer readable storage medium, which stores a computer program, and when the computer program is run by a processor, the steps of the method for realizing inter-account service in proximity which is applied to a server of a second site are performed.

[0026] It can be seen from the above technical solution that in the embodiment of this specification, the first site identifier is carried in the service code generated by the first user terminal. After obtaining the service code, the second user's terminal uploads it to the server of the second site in the request for inter-account service. The server of the second site performs business operations with the server of the first site based on the identifier of the first site in the service code to complete the inter-account service, thereby realizing close-range services between user accounts at different sites and providing more convenience for users. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 This is a network structure diagram of an application scenario of the embodiment of this specification;

[0028] Figure 2 This is a flowchart of a method for implementing inter-account services at close range on a first user's terminal according to an embodiment of this specification;

[0029] Figure 3 This is a flowchart of a method for implementing inter-account services at close range on a second user's terminal according to an embodiment of this specification;

[0030] Figure 4 This is a flowchart of a method for implementing inter-account services at close range on a server at a first site according to an embodiment of this specification;

[0031] Figure 5 This is a flowchart of a method for implementing inter-account services at close range on a server at a second site according to an embodiment of this specification;

[0032] Figure 6 This is a flowchart of a method for implementing inter-account services in close proximity on a cross-site server according to an embodiment of this specification;

[0033] Figure 7 This is a flowchart of the interaction between a first user's terminal, a second user's terminal, a Japanese site server, an Indian site server, and a global server in an application example of this specification;

[0034] Figure 8 It is a hardware structure diagram of a terminal or server;

[0035] Figure 9 This is a logical structure diagram of a device for implementing inter-account services at close range on a first user's terminal in an embodiment of this specification;

[0036] Figure 10 This is a logical structure diagram of a device for implementing inter-account services at close range on a second user's terminal in an embodiment of this specification;

[0037] Figure 11is a logical structure diagram of an apparatus for realizing inter-account service in proximity, applied to a server at a first site according to an embodiment of the present specification;

[0038] Figure 12 is a logical structure diagram of an apparatus for realizing inter-account service in proximity, applied to a server at a second site according to an embodiment of the present specification;

[0039] Figure 13 is a logical structure diagram of an apparatus for realizing inter-account service in proximity, applied to a server at a second site according to an embodiment of the present specification. DETAILED DESCRIPTION

[0040] The embodiment of the present specification proposes a new method for realizing inter-account service in proximity, which carries the first site identifier in the service code provided by the first user at a first site to the second user at a second site, adds the site identifier of the other site and the access mode of the server of the other site on the server at each site, and when the server at the second site obtains the service code of the first user and the account of the second user from the terminal of the second user, performs the service operation with the server at the first site according to the first site identifier in the service code to complete the inter-account service, so that the user accounts of different sites can also realize various services in proximity, greatly facilitating the user, thereby solving the problems in the prior art.

[0041] A network structure of an application scenario of the embodiment of the present specification is shown in Figure 1 The first user registers a user account at a first site, and the second user registers a user account at a second site. The terminal of the first user, the server at the first site, the terminal of the second user, the server at the second site, the server at the first site and the cross-site server, and the server at the second site and the cross-site server can access each other through a communication network. The type and communication protocol of the communication network are not limited in the embodiment of the present specification. The server at the first site, the server at the second site, and the cross-site server can be one physical or logical server, or two or more physical or logical servers sharing different responsibilities and cooperating with each other to realize the functions in the embodiment of the present specification.

[0042] In addition, the terminal of the first user can provide the service code to the terminal of the second user in close proximity, and the terminal of the second user can obtain the service code provided by the terminal of the first user in a corresponding manner. The terminal of the first user or the terminal of the second user can be any device with computing, storage and communication capabilities, such as a wearable device, a mobile phone, a tablet computer, a PC (Personal Computer), a notebook computer, etc. The service code can include a bar code (such as a two-dimensional code or a bar code), a sound wave code, an NFC (Near Field Communication) code, etc. The corresponding manner of obtaining the service code can include scanning, receiving a sound wave, induction, etc.

[0043] In the embodiments of the present specification, the method for realizing inter-account service in close proximity is applied to the terminal of the first user, and the flowchart is as shown in Figure 2 The flowchart applied to the terminal of the second user is as shown in Figure 3 The flowchart applied to the server of the first site (the site to which the account of the first user belongs) is as shown in Figure 4 The flowchart applied to the server of the second site (the site to which the account of the second user belongs) is as shown in Figure 5 The flowchart applied to the cross-site server is as shown in Figure 6 The inter-account service includes all services between the accounts of the two users, such as adding a friend, payment (i.e., transferring money), sharing information, etc.

[0044] On the terminal of the first user, in step 210, a service code for performing an inter-account service is generated, and the service code includes the first user account and the first site identification to which the first user account belongs.

[0045] When the first user and the second user in close proximity reach an agreement on the inter-account service to be performed, the first user performs an operation on the terminal to instruct the terminal of the first user to generate a service code corresponding to the inter-account service. The service code includes the first user account and the first site identification to which the first user account belongs. The first site identification can be any string or code that can uniquely correspond to the first site on the cross-site server. The service code can also include information related to the inter-account service to be performed, such as the type of service and service parameters.

[0046] In the embodiments of the present specification, the terminal of the first user generates the service code in a format agreed upon with the server of the second site and the cross-site server, so that the server of the second site and the cross-site server can correctly parse the service code and obtain the first site identification, the first user account, etc. The specific format of the service code can be determined by considering the type of the service code, the requirements of the actual application scenario, the type of the service to be performed, etc. The embodiments of the present specification are not limited.

[0047] In an example, the service code may adopt the structure shown in Table 1:

[0048] siteCode Version codeType bizType codeAlgorithm suffix

[0049] Table 1

[0050] In Table 1:

[0051] siteCode is a site identifier used to indicate the site to which the first user account belongs;

[0052] Version is a data format version used to specify upgrades based on software product iterations;

[0053] codeType is the encoding carrier, distinguishing between pure numbers and strings (for example, barcodes are pure numbers, while NFC codes can be strings);

[0054] bizType is the coded business type, which is used to indicate the type of inter-account business to be conducted, such as the account code for adding friends, the payment code for payment, etc.

[0055] codeAlgorithm is the encoding algorithm used to generate the code in the suffix, such as a random algorithm or OTP (One Time Password).

[0056] The suffix is ​​a code including the user account, such as a 16-digit hexadecimal sound wave code or NFC code, or a 16-digit QR code or bar code.

[0057] On the first user's terminal, in step 220, the generated service code is provided to the second user's terminal, so that the second user's terminal performs inter-account services based on the service code.

[0058] On the second user's terminal, in step 310, a service code for performing inter-account services is obtained from the first user's terminal.

[0059] Depending on the type of service code generated by the first user's terminal, the first user's terminal provides the service code to the second user's terminal in a corresponding manner. For example, the first user's terminal displays a barcode or QR code on its screen, and the second user's terminal obtains the barcode or QR code by scanning it. Another example is that the first user's terminal plays a generated sound wave code, and the second user's terminal obtains it by receiving the audio.

[0060] On the second user's terminal, in step 320, a request for an inter-account service is sent to a server of the second site to which the second user's account belongs, the request including the service code obtained from the first user's terminal and the second user's account information.

[0061] At the server of the second site, step 510, a request of the inter-account service is received from the terminal of the second user, which includes the service code of the first user account for the inter-account service and the second user account information.

[0062] After obtaining the service code, the terminal of the second user encapsulates the obtained service code and the second user account information in the request of the inter-account service, and sends the request to the server of the second site to which the second user account belongs. The second user account information includes the second user account itself, and can also include the identification of the second site and other information.

[0063] At the server of the second site, step 520, when the identification of the first site in the service code is different from the identification of the current site, a request of the inter-account service is sent to the cross-site server.

[0064] At the cross-site server, step 610, a request of the inter-account service is received from the server of the second site.

[0065] The server of the second site obtains the service code carrying the first user account information from the received request of the inter-account service, extracts the identification of the site therefrom, and compares the identification of the current site. Since the identification of the first site in the service code is different from the identification of the current site, the server of the second site knows that the inter-account service is a cross-site inter-account service, and then sends the request of the inter-account service to the cross-site server.

[0066] In one implementation, the second user account information in the request of the inter-account service includes the second user account and the identification of the second site. In this implementation, the cross-site server can know the site to which the second user account belongs according to the identification of the second site. In another implementation, the second user account information only includes the second user account, and the server of the second site adds the identification of the current site in the request of the inter-account service sent to the cross-site server, to inform the cross-site server of the site to which the second user account belongs. In a third implementation, the second user account information only includes the second user account, and the cross-site server identifies the sender (the server of the second site) of the received request of the inter-account service, and can also know that the site to which the second user account belongs is the second site.

[0067] At the cross-site server, step 620, according to the processing flow of the inter-account service, the service operation of the first user account and the second user account is performed, and a message of the inter-account service including the service code is sent to the server of the first site and the server of the second site, for the service processing of the server of the first site and the terminal of the first user, and the server of the second site and the terminal of the second user.

[0068] The cross-site server extracts the business code and the second user account information from the inter-account business request from the server of the second site, obtains the first user account and the identification of the first site to which the first user account belongs from the business code, and obtains the second user account from the second user account information. The cross-site server obtains the second site identification to which the second user account belongs from the server of the second site that sends the inter-account business request (or from the second user account information or from the inter-account business request).

[0069] The cross-site server can obtain the relevant information of the user accounts of each site. The information can be stored locally on the cross-site server or in a network location accessible to the cross-site server. The cross-site server can also query the server of each site for the relevant information of the user accounts of the site. The embodiments of the present specification are not limited.

[0070] According to the first user account and the identification of the first site to which the first user account belongs, and the second user account and the identification of the second site to which the second user account belongs, the cross-site server can locate the two accounts for the inter-account business. According to the processing flow of the inter-account business, the cross-site server can perform business operations between the two accounts for the inter-account business, and send messages of the inter-account business including the business code to the server of the first site and the server of the second site. The specific business operations and messages of the inter-account business can be implemented according to the requirements of the actual application scenario and the type of business, with reference to the prior art.

[0071] On the terminal of the first user, in step 230, the business code is used to poll the server of the first site for the message of the inter-account business, and the business processing is performed according to the polled message.

[0072] On the server of the first site, in step 410, the polling of the terminal of the first user for the message of the inter-account business through the business code is received. The business code is generated by the terminal of the first user and is used for the inter-account business.

[0073] On the server of the first site, in step 420, the message of the inter-account business sent by the cross-site server is received, which includes the business code.

[0074] On the server of the first site, in step 430, the message of the inter-account business is sent to the terminal of the first user for business processing by the terminal of the first user.

[0075] After providing the business code to the terminal of the second user, the terminal of the first user polls the server of the first site with the business code, and requests the message of the inter-account business from the server of the first site. Since the request / response mode is usually used between the terminal and the server of the site, the polling of the terminal can inform the server of the site which terminal will receive the message of the inter-account business.

[0076] Since the terminal of the first user can conduct inter-account service with other users in the same first site or with other users not belonging to the first site, the server of the first site can query whether there is a message including the service code in the inter-account service message in the first site and also poll the message of the inter-account service including the service code from the cross-site server after receiving the polling of the inter-account service message from the terminal of the first user through the service code. The server of the first site can also query the inter-account service message including the service code locally first and then poll the message of the inter-account service from the cross-site server through the service code if no message is found within a predetermined local waiting time after receiving the polling of the inter-account service message from the terminal of the first user through the service code. In addition, the cross-site server can also actively send the message of the inter-account service including the service code to the server of the first site.

[0077] For the message of the inter-account service from the cross-site server, the server of the first site can know that the message corresponds to the terminal of the first user according to the matching service code in the message and the polling terminal. According to the processing flow of the inter-account service, the server of the first site can need to process the message accordingly before sending it to the terminal of the first user or can directly forward it to the terminal of the first user.

[0078] The terminal of the first user receives the message of the inter-account service from the server of the first site and processes the service accordingly according to the processing flow of the inter-account service.

[0079] On the terminal of the second user, the message of the inter-account service is polled from the server of the second site through the service code in step 330, and the service is processed according to the polled message.

[0080] On the server of the second site, the message of the inter-account service returned by the cross-site server is received in step 530, which includes the service code.

[0081] On the server of the second site, the polling of the message of the inter-account service from the terminal of the second user through the service code is received in step 540, and the message of the inter-account service is returned to the terminal of the second user for processing the service according to the message of the inter-account service.

[0082] After sending the request of the inter-account service to the server of the second site, the terminal of the second user polls the server of the second site with the service code to request the message of the inter-account service from the server of the second site. Since the terminal and the server of the site usually adopt the request / response mode, the polling of the terminal can make the server of the site know which terminal to send the received message of the inter-account service to.

[0083] The server of the second site can poll the cross-site server for the inter-account service message with the service code after sending the request for the inter-account service to the cross-site server, or the cross-site server can actively send the inter-account service message with the service code to the server of the second site.

[0084] For the inter-account service message from the cross-site server, the server of the second site can determine that the message corresponds to the terminal of the second user according to the service code in the message matching the terminal that performs the polling. According to the processing flow of the inter-account service, the server of the second site can need to perform corresponding processing on the message before sending it to the terminal of the second user, or can directly forward it to the terminal of the second user.

[0085] The terminal of the second user receives the inter-account service message from the server of the second site, and performs corresponding service processing according to the processing flow of the inter-account service.

[0086] It should be noted that after the inter-account service message of the cross-site server reaches the terminal of the first user through the server of the first site and reaches the terminal of the second user through the server of the second site, according to the service processing logic of the specific inter-account service in the actual application scenario, some inter-account services can also generate new inter-account service messages by the terminal of the first user and / or the terminal of the second user, and send them to the cross-site server through the server of the first site or the server of the second site to continue the processing logic of the service, which is not limited by the embodiments of the present specification. When the inter-account service message is transmitted between the cross-site server, the server of the site and the terminal of the user, the service code generated by the terminal of the first user is used as the identification mark of the inter-account service.

[0087] For example, for the inter-account service of adding a friend, after the cross-site server adds a second user account as a friend in a first user account and adds the first user account as a friend in the second user account, the cross-site server sends an inter-account service message of adding a friend successfully (carrying a service code generated by the first user terminal) to the server of the first site and the server of the second site respectively, and the inter-account service of adding a friend ends after the first user terminal receives the message from the server of the first site and the second user terminal receives the message from the server of the second site. For the inter-account service of payment from the first user account to the second user account, after the cross-site server confirms the two user accounts for the transfer, the cross-site server sends a message with the information of the second user account to the first user terminal through the server of the first site; the first user terminal sends a payment service request including the payment amount, the service code and the information of the second user account to the cross-site server through the server of the first site after obtaining the payment amount and other payment service related information from the first user, so as to complete the fund transfer between the two user accounts, and then informs the first user terminal and the second user terminal through the inter-account service message of payment success with the service code; for details, please refer to the application example, which is not repeated here.

[0088] It can be seen that in the embodiments of the present specification, the first site identifier is carried in the service code generated by the first user terminal of the first site; when the second user terminal obtains the service code of the first user, the second user terminal sends the service code and the second user account to the cross-site server through the server of the second site; the cross-site server can identify the user accounts of each site through the site identifier and the user account, so as to complete the inter-account service through the servers of the first site and the second site, realize the near distance service between the user accounts of different sites, and provide more convenience for users.

[0089] It should be noted that the cross-site server can be cancelled in the embodiments of the present specification, and the access mode of the server of each site is saved in the server of each site. When the inter-account service between the first user and the second user crosses the sites, the server of the second site performs the related processing of the inter-account service with the server of the first site according to the identifier of the first site to which the first user account belongs in the service code; and the server of the first site generates a message of the inter-account service to the first user terminal, which is sent to the first user terminal according to the polling of the first user terminal; the server of the second site generates a message of the inter-account service to the second user terminal, which is sent to the second user terminal according to the polling of the second user terminal.

[0090] In one application example of the present specification, the inter-account transaction between a first user having an account at a Japan station (first site) and a second user having an account at an India station (second site) is a payment transaction from the first user account to the second user account, and the interaction flow between the terminal of the first user, the terminal of the second user, the Japan station server (server of the first site), the India station server (server of the second site), and the global server (cross-site server) is as shown in FIG. 10. Figure 7

[0091] After the first user and the second user determine the payment amount, the first user instructs the terminal of the first user to generate a payment QR code (transaction code in this application example), which is in the format shown in Table 1 and includes the identifier JP of the Japan station. The terminal of the first user displays the payment QR code on the screen of the terminal.

[0092] The terminal of the first user starts polling the payee information of the payment transaction from the Japan station server with the payment QR code. After receiving the polling from the terminal of the first user, the Japan station server starts querying the payee information of the payment transaction locally with the payment QR code, and starts polling the payee information of the payment transaction from the global server with the payment QR code.

[0093] The terminal of the second user scans the payment QR code displayed by the terminal of the first user, encapsulates the payment QR code and the second user account in a payment transaction initiation request, and sends the payment transaction initiation request to the India station server. The terminal of the second user starts polling the order information of the payment transaction from the India station server with the payment QR code.

[0094] The India station server parses the payment QR code in the payment transaction request and finds that the first user account belongs to the JP site, which is different from the IN site, and that the payment transaction is a cross-site inter-account payment transaction. The India station server adds the IN site identifier to the payment transaction request and sends the payment transaction request to the global server. The India station server starts polling the order information of the payment transaction from the global server with the payment QR code.

[0095] After receiving the payment transaction request from the India station server, the global server obtains the account of the payer (the first user account) and the site identifier JP of the payer from the payment QR code in the payment transaction request, and obtains the account of the payee (the second user account) and the site identifier IN of the payee from the payment transaction request. The global server encapsulates the payment QR code, the second user account, and the site identifier IN of the second user in a message of the payment transaction and sends the message to the Japan station server polling with the payment QR code.

[0096] The Japan station server sends the message of the payment transaction with the payment QR code to the terminal of the first user polling with the payment QR code.

[0097] ​The terminal of the first user receives the payment amount input by the first user, obtains the account information of the payee from the payment service message, generates a payment request including the payment amount, the payment QR code, the second user account and the site identification IN to which the second user account belongs, and sends the payment request to the Japan site server, so that the Japan site server sends a payment order to the global server according to the payment request.

[0098] The Japan site server generates a payment order according to the payment request sent by the terminal of the first user, and sends the payment order to the cross-site server, wherein the payment order includes the payment amount, the payment QR code, the second user account and the site identification IN to which the second user account belongs, so that the global server transfers the payment amount from the first user account in the payment QR code to the second user account.

[0099] The global server receives the payment order sent by the Japan site server, transfers the payment amount corresponding to the payment amount from the first user account in the payment QR code to the second user account, and sends a payment result to the India site server polling the payment QR code, wherein the payment result includes the payment QR code, the payment amount and information about whether the payment is successful.

[0100] The India site server forwards the payment result with the payment QR code to the terminal of the second user polling the payment QR code. The terminal of the second user displays the payment amount and the information about whether the payment is successful to the second user.

[0101] Corresponding to the above process, the embodiments of the present specification also provide a device for implementing the account-to-account service in proximity applied to the terminal of the first user, a device for implementing the account-to-account service in proximity applied to the terminal of the second user, two devices for implementing the account-to-account service in proximity applied to the server of the first site, two devices for implementing the account-to-account service in proximity applied to the server of the second site, and a device for implementing the account-to-account service in proximity applied to the cross-site server. The above devices can be implemented by software, or by hardware or a combination of software and hardware. Taking the software implementation as an example, as a logical device, the corresponding computer program instructions are read into the memory and executed by the CPU (Central Process Unit) of the terminal or server to form. In terms of hardware, in addition to the CPU, memory and non-volatile memory shown in the figure, the terminal where the device for implementing the account-to-account service in proximity is located usually also includes other hardware such as a chip for wireless signal transceiving, and the server where the device for implementing the account-to-account service in proximity is located usually also includes other hardware such as a board for realizing network communication function. Figure 8 The device for implementing the account-to-account service in proximity is located in the terminal or server, and the terminal or server usually includes other hardware such as a chip for wireless signal transceiving or a board for realizing network communication function in addition to the CPU, memory and non-volatile memory shown in the figure.

[0102] Figure 9The device for realizing inter-account service in close proximity provided by the embodiment of the present specification is applied to a terminal of a first user, and comprises a service code generating unit, a service code providing unit and a first polling and service unit, wherein: the service code generating unit is configured to generate a service code for performing the inter-account service, and the service code comprises a first user account and a first site identification to which the first user account belongs; the service code providing unit is configured to provide the service code to a terminal of a second user, so that the terminal of the second user performs the inter-account service based on the service code; and the first polling and service unit is configured to poll a message of the inter-account service from a server of the first site by using the service code, and perform service processing according to the polled message.

[0103] Optionally, the service code comprises a bar code, a two-dimensional code, a near field communication NFC code or a sound wave code; and the inter-account service comprises adding a friend, sharing information between accounts or payment.

[0104] Optionally, the service code is a payment two-dimensional code for a payment service; the inter-account service is a payment service from a first user account to a second user account; the message of the inter-account service comprises a payment two-dimensional code, a second user account and a second site identification to which the second user account belongs; and the first polling and service unit performs service processing according to the polled message, which comprises receiving a payment amount input by the first user, generating a payment request comprising the payment amount, the payment two-dimensional code, the second user account and the second site identification to which the second user account belongs, and sending the payment request to the server of the first site, so that the server sends a payment order to a cross-site server according to the payment request.

[0105] Figure 10 The device for realizing inter-account service in close proximity provided by the embodiment of the present specification is applied to a terminal of a second user, and comprises a service code obtaining unit, a service request sending unit and a second polling and service unit, wherein: the service code obtaining unit is configured to obtain a service code for performing the inter-account service from a terminal of a first user, and the service code comprises a first user account and a first site identification to which the first user account belongs; the service request sending unit is configured to send a request of the inter-account service to a server of a second site to which a second user account belongs, wherein the request comprises the service code and second user account information; and the second polling and service unit is configured to poll a message of the inter-account service from the server of the second site by using the service code, and perform service processing according to the polled message.

[0106] Optionally, the second user account information comprises a second user account and a second site identification to which the second user account belongs.

[0107] Optionally, the service code comprises a bar code, a two-dimensional code, a near field communication NFC code or a sound wave code; and the inter-account service comprises adding a friend, sharing information between accounts or payment.

[0108] Optionally, the service code is a payment two-dimensional code for a payment service; the inter-account service is a payment service from a first user account to a second user account; the message of the inter-account service includes the payment two-dimensional code, a payment amount, and information of whether the payment is successful; the second polling and service unit performs service processing according to the polled message, including displaying the payment amount and the information of whether the payment is successful.

[0109] Figure 11 The device for realizing the inter-account service in proximity provided by the embodiment of the present specification is applied to a server of a first site, and includes a first polling receiving unit, a first message receiving unit, and a first message forwarding unit. The first polling receiving unit is configured to receive polling of an inter-account service message by a terminal of a first user through a service code. The service code is generated by the terminal of the first user and is used for the inter-account service, and includes an identification of a first user account and a first site to which the first user account belongs. The first message receiving unit is configured to receive a message of the inter-account service sent by a cross-site server, and the message includes the service code. The first message forwarding unit is configured to send the message of the inter-account service to the terminal of the first user, so that the terminal of the first user performs service processing according to the message of the inter-account service.

[0110] Optionally, the device further includes a first server polling unit configured to, after receiving the polling of the inter-account service message by the terminal of the first user through the service code, poll the message of the inter-account service from the cross-site server by using the service code; or, after receiving the polling of the inter-account service message by the terminal of the first user through the service code, if the inter-account service message including the service code is not queried in the local within a predetermined local waiting time, poll the message of the inter-account service from the cross-site server by using the service code.

[0111] Optionally, the service code includes a bar code, a two-dimensional code, a near field communication (NFC) code, or a sound wave code; and the inter-account service includes adding a friend, sharing information between accounts, or payment.

[0112] Optionally, the business code is: a payment QR code for payment services; the inter-account business is: a payment business from a first user account to a second user account; the message of the inter-account business includes: a payment QR code, an identifier of the second user account and the second site to which it belongs; the device also includes a payment request receiving unit and a payment order sending unit, wherein: the payment request receiving unit is used to receive a payment request sent by the first user's terminal, which includes the payment amount, the payment QR code, the second user account and the identifier of the second site to which it belongs; the payment order sending unit is used to generate a payment order according to the payment request and send it to the cross-site server, wherein the payment order includes the payment amount, the payment QR code, the second user account and the identifier of the second site to which it belongs, for the cross-site server to transfer the payment amount from the first user account to the second user account.

[0113] Figure 12 As shown in an embodiment of the present specification, an apparatus for implementing inter-account services at close range is provided. The apparatus is applied on a server at a second site and includes a service request receiving unit, a cross-site service request sending unit, a second message receiving unit, and a second message forwarding unit, wherein: the service request receiving unit is used to receive a request for the inter-account service sent by a second user's terminal, the request for the inter-account service including a service code of a first user account used to perform the inter-account service and second user account information, the service code including an identifier of the first user account and the first site to which it belongs; the cross-site service request sending unit is used to send a request for the inter-account service to a cross-site server when the first site identifier in the service code is different from the identifier of the current site; the second message receiving unit is used to receive a message for the inter-account service returned by the cross-site server; the message for the inter-account service includes the service code; the second message forwarding unit is used to receive polling of the inter-account service message by the second user's terminal using the service code, and return the message for the inter-account service to the second terminal, so that the second user's terminal can perform service processing based on the message for the inter-account service.

[0114] Optionally, the device further includes: a second server polling unit, configured to, after sending the request for the inter-account service to the cross-site server, use the service code to poll the cross-site server for messages about the inter-account service.

[0115] Optionally, the device further includes: an identifier adding unit, configured to add an identifier of the second site to the request before sending the request for the inter-account service to the cross-site server.

[0116] Optionally, the second user account information includes: an identifier of the second user account and the second site to which it belongs.

[0117] Optionally, the business code comprises a bar code, a two-dimensional code, a near field communication (NFC) code, or a sound wave code; and the inter-account business comprises adding a friend, sharing information between accounts, or payment.

[0118] Optionally, the business code is a payment two-dimensional code for a payment business; the inter-account business is a payment business from a first user account to a second user account; and the message of the inter-account business comprises the payment two-dimensional code, a payment amount, and information about whether the payment is successful.

[0119] Figure 13 The device for realizing an inter-account business in a short distance provided by the embodiment of the present application is applied to a cross-site server, and comprises a cross-site business request receiving unit and a cross-site business processing unit, wherein the cross-site business request receiving unit is configured to receive a request for an inter-account business sent by a server of a second site, the request for the inter-account business comprising a business code for an inter-account business of a first user account and second user account information, and the business code comprising an identifier of the first user account and a first site to which the first user account belongs; and the cross-site business processing unit is configured to perform an inter-account business operation of the first user account and the second user account according to a processing flow of the inter-account business, and send a message of the inter-account business comprising the business code to a server of the first site and a server of the second site, so that the server of the first site and a terminal of the first user, and the server of the second site and a terminal of the second user perform business processing.

[0120] Optionally, the device further comprises a server polling receiving unit configured to receive polling of the inter-account business message by the server of the first site and / or the server of the second site through the business code.

[0121] Optionally, the second user account information comprises an identifier of the second user account and a second site to which the second user account belongs; or the request for the inter-account business further comprises an identifier of the second site to which the second user account belongs.

[0122] Optionally, the business code comprises a bar code, a two-dimensional code, a near field communication (NFC) code, or a sound wave code; and the inter-account business comprises adding a friend, sharing information between accounts, or payment.

[0123] Optionally, the business code is a payment two-dimensional code for a payment business; the inter-account business is a payment business from a first user account to a second user account; the cross-site business processing unit further comprises a payment business message sending module and a transfer and result notification module, wherein: the payment business message sending module is configured to send a payment business message to the server of the first site after receiving the payment business request of the server of the second site, wherein the payment business message comprises the payment two-dimensional code, the second user account and the identifier of the second site to which the second user account belongs; the transfer and result notification module is configured to, after receiving the payment order sent by the server of the first site and comprising the payment amount, the payment two-dimensional code, the second user account and the identifier of the second site to which the second user account belongs, transfer the payment amount corresponding to the payment amount from the first user account in the payment two-dimensional code to the second user account, and return the payment result to the server of the second site, wherein the payment result comprises the payment two-dimensional code, the payment amount and the information of whether the payment is successful.

[0124] The embodiment of the present specification provides a device for realizing inter-account business in proximity, which is applied to a server of a first site, and the device comprises a first polling receiving unit, a first business operation unit and a first message issuing unit, wherein: the first polling receiving unit is configured to receive the polling of the inter-account business message by the terminal of the first user through a business code; the business code is generated by the terminal of the first user and provided to the terminal of the second user belonging to a second site, and is used for inter-account business between the first user account and the second user account, wherein the business code comprises the identifier of the first site to which the first user account belongs; the first business operation unit is configured to perform the operation of the inter-account business with the server of the second site; the operation of the inter-account business is initiated by the server of the second site according to the request of the inter-account business sent by the terminal of the second user and carrying the business code and the second user account information, and is sent to the server with the identifier of the first site in the business code; and the first message issuing unit is configured to generate the message of the inter-account business and send the message to the terminal of the first user, so that the terminal of the first user performs business processing according to the message of the inter-account business, and the message comprises the business code.

[0125] Optionally, the first message issuing unit is specifically configured to: generate the message of the inter-account business, send the message of the inter-account business to the terminal of the first user according to the polling of the terminal of the first user to the inter-account business message through the business code.

[0126] Optionally, the business code comprises a bar code, a two-dimensional code, a near field communication NFC code or a sound wave code; and the inter-account business comprises adding a friend, sharing information between accounts or payment.

[0127] Optionally, the business code is a payment two-dimensional code for a payment business; the inter-account business includes a payment business from a first user account to a second user account; and the message of the inter-account business includes the payment two-dimensional code, the second user account, and an identifier of a second site to which the second user account belongs.

[0128] The device for realizing the inter-account business in proximity provided by the embodiments of the present application is applied to a server of a second site, and the server of the second site stores an access mode of a server of another site. The device includes a business request receiving unit, a second business operation unit, and a second message issuing unit. The business request receiving unit is configured to receive a request for the inter-account business sent by a terminal of a second user, and the request for the inter-account business includes a business code of a first user account for the inter-account business and second user account information. The business code includes an identifier of the first user account and a first site to which the first user account belongs. The second business operation unit is configured to, when the first site identifier in the business code is different from an identifier of the current site, perform an operation of the inter-account business with the server of the first site having the first site identifier by using the stored access mode. The second message issuing unit is configured to generate a message of the inter-account business and send the message to the terminal of the second user, so that the terminal of the second user performs a business process according to the message of the inter-account business. The message includes the business code.

[0129] Optionally, the second message issuing unit is specifically configured to generate the message of the inter-account business, poll the message of the inter-account business by the terminal of the second user through the business code, and send the message of the inter-account business to the terminal of the second user.

[0130] Optionally, the business code includes a bar code, a two-dimensional code, a near field communication (NFC) code, or a sound wave code; and the inter-account business includes adding a friend, sharing information between accounts, or payment.

[0131] Optionally, the business code is a payment two-dimensional code for a payment business; the inter-account business is a payment business from a first user account to a second user account; and the message of the inter-account business includes the payment two-dimensional code, a payment amount, and information about whether the payment is successful.

[0132] The embodiments of the present application provide a computer device including a memory and a processor. The memory stores a computer program capable of being run by the processor. When the processor runs the stored computer program, each step of the method for realizing the inter-account business in proximity applied to the server of the first site is executed. The detailed description of each step of the method for realizing the inter-account business in proximity applied to the server of the first site is described above, and is not repeated here.

[0133] The embodiments of the present specification provide a computer device, comprising a memory and a processor. Wherein, the memory stores computer programs capable of being run by the processor; the processor executes various steps of the method for realizing inter-account business in proximity applied to the server of the second site when running the stored computer programs. For detailed description of various steps of the method for realizing inter-account business in proximity applied to the server of the second site, please refer to the previous content, which will not be repeated.

[0134] The embodiments of the present specification provide a computer readable storage medium, which stores computer programs, and the computer programs execute various steps of the method for realizing inter-account business in proximity applied to the server of the first site when run by the processor. For detailed description of various steps of the method for realizing inter-account business in proximity applied to the server of the first site, please refer to the previous content, which will not be repeated.

[0135] The embodiments of the present specification provide a computer readable storage medium, which stores computer programs, and the computer programs execute various steps of the method for realizing inter-account business in proximity applied to the server of the second site when run by the processor. For detailed description of various steps of the method for realizing inter-account business in proximity applied to the server of the second site, please refer to the previous content, which will not be repeated.

[0136] The above only describes the preferred embodiments of the present specification and does not limit the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification shall be included in the protection scope of the present application.

[0137] In a typical configuration, the computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0138] The memory can include non-persistent memory in computer readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). The memory is an example of computer readable media.

[0139] Computer-readable media includes permanent and non-permanent, movable and non-movable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassette, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer-readable media does not include transitory media such as modulated data signals and carriers.

[0140] It should also be noted that the terms "comprising", "comprising" or any other variant thereof are intended to cover non-exclusive inclusions, so that a process, method, article or device that includes a series of elements includes not only those elements, but also other elements not explicitly listed, or inherent to such a process, method, article or device. Without more limitations, the element defined by the statement "comprising a" does not exclude the presence of other identical elements in the process, method, article or device that includes the element.

[0141] Those skilled in the art will appreciate that embodiments of the present specification can be provided as methods, systems or computer program products. Therefore, the present specification can take the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware aspects. Moreover, the present specification can take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

Claims

1. A method for implementing inter-account services at close range, applied on a server at a first site, comprising: Receiving polling of inter-account service messages by the first user's terminal using the service code; The service code is generated by the terminal of the first user and provided to the terminal of the second user belonging to the second site, and is used for inter-account services between the first user account and the second user account. The service code includes the identifier of the first user account and the first site to which it belongs; Performing the inter-account service operation with the server of the second site; the inter-account service operation is initiated by the server of the second site to the server having the first site identifier in the service code according to the inter-account service request sent by the second user's terminal and carrying the service code and the second user's account information; the server of the second site stores access methods of servers of other sites; Generate the inter-account service message and send it to the first user's terminal. According to the first user's terminal polling the inter-account service message using the service code, send the inter-account service message to the first user's terminal, so that the first user's terminal performs service processing according to the inter-account service message, wherein the message includes the service code.

2. The method according to claim 1, wherein the service code comprises: Barcode, QR code, NFC code, or acoustic code; The inter-account services include: adding friends, sharing information between accounts, or making payments.

3. According to the method of claim 1, the service code is: a payment QR code for payment services; the inter-account services include: Payment services from a first user account to a second user account; The inter-account service message includes: a payment QR code, an identifier of the second user account and the second site to which it belongs.

4. A method for implementing inter-account transactions at close range, applied on a server at a second site, where the server at the second site stores access methods for servers at other sites, the method comprising: receiving a request for the inter-account service sent by a terminal of the second user, the request for the inter-account service including a service code of the first user account for performing the inter-account service and information about the second user account, the service code including an identifier of the first user account and the first site to which it belongs; When the first site identifier in the service code is different from the identifier of the current site, the stored access method is used to perform the inter-account service operation with the server of the first site having the first site identifier; Generate the inter-account service message and send it to the second user's terminal. According to the second user's terminal polling the inter-account service message using the service code, send the inter-account service message to the second user's terminal, so that the second user's terminal can perform service processing according to the inter-account service message, wherein the message includes the service code.

5. The method according to claim 4, wherein the service code comprises: Barcode, QR code, NFC code, or acoustic code; The inter-account services include: adding friends, sharing information between accounts, or making payments.

6. The method according to claim 4, wherein the service code is a payment QR code for payment services; and the inter-account service is a payment service from a first user account to a second user account; The inter-account business messages include: Payment QR code, payment amount, and information on whether the payment was successful.

7. A device for implementing inter-account services at close range, applied on a server at a first site, comprising: A first polling receiving unit, configured to receive a poll of an inter-account service message by a terminal of a first user using a service code; The service code is generated by the terminal of the first user and provided to the terminal of the second user belonging to the second site, and is used for inter-account services between the first user account and the second user account. The service code includes the identifier of the first user account and the first site to which it belongs; a first service operation unit configured to perform the inter-account service operation with the server of the second site; the inter-account service operation is initiated by the server of the second site to the server having the first site identifier in the service code, based on a request for the inter-account service sent by the second user's terminal and carrying the service code and the second user's account information; the server of the second site stores access methods for servers of other sites; The first message sending unit is configured to generate the inter-account service message and send it to the first user's terminal. In response to the first user's terminal polling the inter-account service message using the service code, the first user's terminal sends the inter-account service message to the first user's terminal, so that the first user's terminal performs service processing based on the inter-account service message, wherein the message includes the service code.

8. The device according to claim 7, wherein the service code comprises: Barcode, QR code, NFC code, or acoustic code; The inter-account services include: adding friends, sharing information between accounts, or making payments.

9. The device according to claim 7, wherein the service code is a payment QR code for payment services; and the inter-account services include: Payment services from a first user account to a second user account; The inter-account service message includes: a payment QR code, an identifier of the second user account and the second site to which it belongs.

10. A device for implementing inter-account services at close range, applied on a server at a second site, wherein the server at the second site stores access methods for servers at other sites, the device comprising: a service request receiving unit, configured to receive a request for the inter-account service sent by a terminal of a second user, the request for the inter-account service including a service code of the first user account used to perform the inter-account service and information about the second user account, the service code including an identifier of the first user account and the first site to which it belongs; a second service operation unit configured to, when the first site identifier in the service code is different from the identifier of the current site, use the saved access method to perform the inter-account service operation with the server of the first site having the first site identifier; The second message sending unit is configured to generate the inter-account service message and send it to the second user's terminal; based on the second user's terminal polling the inter-account service message using the service code, send the inter-account service message to the second user's terminal, so that the second user's terminal performs service processing according to the inter-account service message, wherein the message includes the service code.

11. The device according to claim 10, wherein the service code comprises: Barcode, QR code, NFC code, or acoustic code; The inter-account services include: adding friends, sharing information between accounts, or making payments.

12. The device according to claim 10, wherein the service code is a payment QR code for a payment service; and the inter-account service is a payment service from a first user account to a second user account. The inter-account business messages include: Payment QR code, payment amount, and information on whether the payment was successful.

13. A computer device comprising: memory and processor; The memory stores a computer program executable by the processor; When the processor runs the computer program, it executes the method for implementing inter-account transactions at a short distance according to any one of claims 1 to 3.

14. A computer device comprising: memory and processor; The memory stores a computer program executable by the processor; When the processor runs the computer program, it executes the method for implementing inter-account transactions at a short distance according to any one of claims 4 to 6.

15. A computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the method for implementing short-range inter-account transactions according to any one of claims 1 to 3 is executed.

16. A computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the method for implementing short-range inter-account transactions according to any one of claims 4 to 6 is executed.

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