Cross-network transaction method, system and computer-readable storage medium

Abstract

The present application provides a cross-network transaction method, system and computer-readable storage medium, wherein the method includes: obtaining an account binding application, the account binding application includes account information, and the account information is used to conduct transactions in a first network; generating a transaction tag for use in a second network according to the account binding application, and binding the transaction tag and the account information; obtaining a transaction application initiated in the second network, processing the transaction application using the transaction tag, so as to conduct transactions in the first network using the processed transaction application and account information to obtain transaction intermediate information; processing the transaction intermediate information using the transaction tag, so as to obtain a transaction result corresponding to the transaction application in the second network. Using the above method, there is no need to reapply for an account in a cross-network transaction, and there is no need to inject an amount into the newly applied account, that is, convenient cross-network payment can be achieved.

Description

Technical Field

[0001] The present application belongs to the field of electronic merchant technology, and specifically relates to a cross-network transaction method, system and computer-readable storage medium. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the application that are recited in the claims. No description herein is admitted to be prior art by inclusion in this section.

[0003] When foreign tourists enter China, if the network of the payment clearing organization (payment clearing network) to which their bank cards belong does not cover China, then the bank cards cannot be used for payment in China. Similarly, when Chinese tourists enter a foreign country, if the network of the Chinese payment clearing organization to which their bank cards belong does not cover the country, then the Chinese bank cards they hold cannot be used for payment abroad. Especially for short-term tourists, a convenient cross-network transaction method is urgently needed. Summary of the invention

[0004] In view of the above problems in the prior art, the present application provides a cross-network transaction method, system and computer-readable storage medium. The cross-network transaction method and system can solve the above problems.

[0005] The following scheme is provided in the examples of this application.

[0006] The embodiment of the present application provides a cross-network transaction method, including:

[0007] Obtaining an account binding application, the account binding application including account information, the account information being used to conduct transactions on the first network;

[0008] generating a transaction tag for use in a second network according to the account binding application, and binding the transaction tag to the account information;

[0009] Acquire a transaction application initiated in the second network, process the transaction application using the transaction tag, and perform a transaction in the first network using the processed transaction application and the account information to obtain intermediate transaction information;

[0010] Processing the transaction intermediate information using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network

[0011] In some feasible implementations, the method of initiating the transaction application includes: generating a QR code based on the transaction tag, so that the transaction device can use the QR code to initiate the transaction application; or initiating the transaction application based on the QR code and the transaction tag.

[0012] In some possible implementations,

[0013] The transaction tag is associated with a balance information, and the transaction application includes a first amount for deducting the balance of the transaction tag;

[0014] The transaction application is processed using the transaction tag, so as to conduct a transaction in the first network using the processed transaction application and the account information to obtain transaction intermediate information, including:

[0015] Converting the first amount into a second amount corresponding to the first network by using the transaction tag, so as to obtain the second amount from the account corresponding to the account information in the first network;

[0016] The processed transaction application is to obtain the second amount from the account corresponding to the account information, and the intermediate transaction information is the second amount.

[0017] In some possible implementations,

[0018] Processing the transaction intermediate information using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network includes:

[0019] Using the transaction tag, convert the second amount into a third amount corresponding to the second network, where the third amount is greater than or equal to the first amount, so as to add the third amount to the balance information corresponding to the transaction tag in the second network;

[0020] deducting the first amount from the balance information corresponding to the transaction mark according to the transaction application;

[0021] The transaction result includes: deducting the first amount from the balance information corresponding to the transaction mark.

[0022] In some feasible implementations, the account binding application is further verified, including at least one of the following verification methods:

[0023] Performing information verification based on user information in the account information, wherein the account information includes user information;

[0024] A pre-authorization transaction is initiated on the first network according to the account information.

[0025] In some feasible implementations, the method further includes: setting at least one of the following transaction control parameters:

[0026] a transaction object type set on the second network;

[0027] Setting a transaction type on the second network;

[0028] The total number of transactions and / or the number of transactions per day set on the second network;

[0029] The total transaction amount and / or the daily transaction amount on the second network is set.

[0030] In some feasible implementations, the first network and the second network are different payment clearing networks.

[0031] An embodiment of the present application provides a cross-network transaction system, including:

[0032] An acquisition module, used to acquire an account binding application, wherein the account binding application includes account information, and the account information is used to conduct transactions on the first network;

[0033] A binding module, configured to generate a transaction tag for use in a second network according to the account binding application, and bind the transaction tag to the account information;

[0034] The first network transaction module is used to obtain a transaction application initiated in the second network, process the transaction application using the transaction tag, and perform a transaction in the first network using the processed transaction application and the account information to obtain intermediate transaction information;

[0035] The second network transaction module is used to process the transaction intermediate information using the transaction mark to obtain a transaction result corresponding to the transaction application in the second network.

[0036] In some feasible implementations, the method of initiating the transaction application includes: generating a QR code based on the transaction tag, so that the transaction device can use the QR code to initiate the transaction application; or initiating the transaction application based on the QR code and the transaction tag.

[0037] In some possible implementations,

[0038] The transaction tag is associated with a balance information, and the transaction application includes a first amount for deducting the balance of the transaction tag;

[0039] The first network transaction module is specifically used to: use the transaction tag to convert the first amount into a second amount corresponding to the first network, so as to obtain the second amount from the account corresponding to the account information in the first network.

[0040] In some feasible implementations, the second network transaction module is specifically used to:

[0041] Using the transaction tag, convert the second amount into a third amount corresponding to the second network, where the third amount is greater than or equal to the first amount, so as to add the third amount to the balance information corresponding to the transaction tag in the second network;

[0042] The first amount is deducted from the balance information corresponding to the transaction tag according to the transaction application.

[0043] In some feasible implementations, a verification module is further included, which is used to verify the account binding application, using at least one of the following verification methods:

[0044] Performing information verification based on user information in the account information, wherein the account information includes user information;

[0045] A pre-authorization transaction is initiated on the first network according to the account information.

[0046] In some feasible implementations, a transaction control module is further included, which is used to set at least one of the following transaction control parameters:

[0047] a transaction object type set on the second network;

[0048] Setting a transaction type on the second network;

[0049] The total number of transactions and / or the number of transactions per day set on the second network;

[0050] The total transaction amount and / or the daily transaction amount on the second network is set.

[0051] In some feasible implementations, the first network and the second network are different payment clearing networks.

[0052] An embodiment of the present application provides a cross-network transaction system, comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute: the aforementioned cross-network transaction method.

[0053] An embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a program, and when the program is executed by a processor, the processor executes: the aforementioned cross-network transaction method.

[0054] At least one of the above technical solutions adopted in the embodiments of the present application can achieve the following beneficial effects: according to the account binding application, the association between the transaction tag in the second network and the account in the first website is realized. The transaction result obtained by the operation of the transaction application on the account in the first network can be fed back to the transaction tag, so that the transaction is completed in the second network according to the feedback obtained by the transaction tag. When the account owner arrives at an area not covered by the first network, if he needs to conduct transactions in the area, and the area is covered by the second network, then the account owner can apply for a transaction tag in the second network and associate it with his account information in the first network, so that the transaction can be carried out in the second network with the transaction tag.

[0055] It should be understood that the above description is only an overview of the technical solution of the present application, so that the technical means of the present application can be more clearly understood and implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present application more obvious and easy to understand, the specific implementation methods of the present application are specifically described below by way of example. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] The advantages and benefits described herein and other advantages and benefits will be apparent to those of ordinary skill in the art by reading the detailed description of the exemplary embodiments below. The accompanying drawings are only used for the purpose of illustrating exemplary embodiments and are not to be considered as limiting the present application. Moreover, the same reference numerals are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0057] Figure 1 A schematic diagram of a cross-network transaction method according to an embodiment of the present application;

[0058] Figure 2 for Figure 1 A business process diagram of an example of a cross-network transaction method;

[0059] Figure 3 A schematic diagram of the structure of a cross-network transaction system according to an embodiment of the present application;

[0060] Figure 4 It is a schematic diagram of the structure of a cross-network transaction system according to another embodiment of the present application.

[0061] In the drawings, the same or corresponding reference numerals represent the same or corresponding parts. DETAILED DESCRIPTION

[0062] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0063] In the present application, it should be understood that terms such as “including” or “having” are intended to indicate the presence of features, numbers, steps, behaviors, components, parts, or a combination thereof disclosed in the present specification, and are not intended to exclude the possibility of the presence of one or more other features, numbers, steps, behaviors, components, parts, or a combination thereof.

[0064] It should also be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0065] Figure 1 This is a flow chart of a cross-network transaction method according to an embodiment of the present application, which is used to enable an account owner in one network to conduct transactions in another network without registering a new account in the other network or injecting an amount (such as funds) into the newly registered account.

[0066] Figure 1 The process in may include the following steps.

[0067] Step 101: Obtain an account binding application, where the account binding application includes account information, and the account information is used to conduct transactions on the first network;

[0068] Step 103: Generate a transaction tag for use in the second network according to the account binding application, and bind the transaction tag to the account information;

[0069] Step 105: Acquire the transaction application initiated in the second network, process the transaction application using the transaction tag, and perform transactions in the first network using the processed transaction application and the account information to obtain transaction intermediate information.

[0070] Step 106: Process the transaction intermediate information using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network.

[0071] In this process, from the device perspective, the execution entity can be one or more electronic devices (referred to as the cross-network payment system in this article); from the program perspective, the execution entity can correspondingly be the programs installed on these electronic devices.

[0072] The electronic device here is, for example, equipped with Mobile banking APP, mobile terminal of third-party payment software. Equivalently, the system composed of these APPs on the mobile terminal and its backend server jointly completes the following cross-network transaction method. Of course, in some instances, these backend servers are responsible for the execution of these steps.

[0073] Of course, the execution subject can also be a mobile terminal equipped with a mobile phone APP issued by an independent card issuing institution (or a fixed terminal such as an ATM placed in its business hall) and a backend server that cooperates with it. The transaction tag generated by the independent card issuing institution can be generated in the same way as the bank card number. is bound. For bank accounts, the transaction token is equivalent to the bank card number.

[0074] The first network is, for example, a payment and clearing network outside China, and the second network is, for example, a payment and clearing network within China. Of course, they can also be two other non-interconnected networks, such as two other non-interconnected stock trading networks. The following description is based on the example that the first network and the second network are different payment and clearing networks.

[0075] In one example, the account owner already has an account, such as a bank card, on the first network, i.e., a payment clearing network outside China. The account information may include the bank card number, expiration date, and card verification code. Further, the account information may also include at least one user information of the cardholder's nationality, name, gender, ID type, ID number, and mobile phone number.

[0076] The account owner can submit an account binding application to the cross-network transaction system through a device such as a mobile terminal, and the cross-network transaction system generates a transaction tag based on the account binding application. The transaction tag can be used in the second network, i.e., the payment and clearing network in China, and the transaction tag is associated with an account of the account owner in the first network. The role of the transaction tag in the first network is equivalent to that of an account, and the transaction tag has quota information, and the quota in the quota information can be used for transactions in the second network. The transaction tag does not limit the quota to be stored in advance.

[0077] After the application of the transaction mark is completed, the front-end APP can show the application acceptance result to the account holder. If the front-end APP is a third-party payment APP, these third-party payment APPs bind the payment mark and execute the transaction in the second network according to the same transaction process as these third-party payment APPs bind domestic bank cards.

[0078] The cross-network transaction system enables the operation of the transaction mark in the second network to be converted into the same operation of the account identified by the corresponding account information in the first network. The cross-network transaction system then continues to complete the transaction in the second network based on the intermediate transaction information of the transaction in the first network. The transaction mark in the second network is equivalent to an account, which may or may not have a stored value function. Its role is to complete the transaction in the second network according to the transaction rules of the second network. The role of the account information corresponding to the transaction mark is still to complete the transaction in the first network according to the transaction rules of the first network. As a cross-network payment system, its role is to link transactions in the two networks.

[0079] If the transaction application is to reduce the transaction tag, and the reduced amount is transferred to another transaction account in the second network, the cross-network transaction system can obtain the required amount from the first network through the account information corresponding to the transaction tag, and then provide the amount obtained from the first network to the above-mentioned other transaction account in the second network.

[0080] If the transaction application is to increase the transaction tag, and the increased amount is provided by another transaction device in the second network (the transaction device must be bound to one or more transaction accounts), then the cross-network transaction system can provide the amount obtained from the second network to the corresponding account in the first network through the transaction tag (it can also be temporarily stored under the transaction tag).

[0081] When the account owner arrives at an area not covered by the first network, if he needs to conduct transactions in the area (for example, he needs to pay money to others or receive funds from others), and the area is covered by the second network, then the account owner can apply for a transaction tag in the second network and associate it with his account in the first network (for example, a bank card), and then he can make payments or receive payments in the second network with the transaction tag.

[0082] Taking the payment and clearing network as an example, for the second network, the role of the cross-network transaction system is the issuing bank. For other devices in the second network, the transaction tag is equivalent to an ordinary bank card number in the network, and the transactions conducted in the second network are conducted in accordance with the transaction rules of the second network. For the first network, the role of the cross-network transaction system is the merchant, and the transactions it conducts are conducted in accordance with the rules of the first network. In this way, the transaction rules of the first network and the transaction rules of the second network are complied with, and the cross-network transaction system is used as a link to realize cross-network transactions. When the account owner conducts transactions in the second network, there is no need to open a separate account or recharge it. The transaction tag used in the second network is associated with the account information in the first network through the cross-network transaction system, and the transaction in the second network can be realized.

[0083] The cross-network transaction method provided by the embodiments of the present application enables account holders to conveniently conduct transactions in multiple non-interconnected networks, simplifies user operations, and improves user experience.

[0084] based on Figure 1 The cross-network transaction method, some embodiments of the present application also provide some specific implementation plans and extension plans of the cross-network transaction method, which are described below.

[0085] In some feasible implementations, a QR code is generated according to the transaction tag, so that the transaction device can use the QR code to initiate the transaction application; or the transaction application is initiated according to the QR code and the transaction tag.

[0086] In one example, the account owner uses a mobile banking APP to generate a payment QR code based on the transaction tag, so that a transaction device (such as a smartphone, tablet computer, barcode scanner, etc. held by the other party to the transaction) can scan the payment QR code to initiate a transaction application for collecting payment for the transaction tag.

[0087] In another example, the account owner uses a mobile banking APP to generate a payment QR code based on a transaction tag, so that a transaction device can scan the payment QR code to initiate a transaction application for payment of the transaction tag.

[0088] In another example, the account owner uses a third-party payment APP on his smartphone to scan a payment QR code displayed by another transaction device, thereby initiating a transaction application to make a payment to the account corresponding to the payment QR code.

[0089] The above methods all enable foreigners to experience mobile payment in China without applying for a Chinese bank card in China.

[0090] In some possible implementations,

[0091] The transaction tag is associated with a balance information, and the transaction application includes a first amount for deducting the balance of the transaction tag;

[0092] The transaction application is processed using the transaction tag, so as to conduct a transaction in the first network using the processed transaction application and the account information to obtain transaction intermediate information, including:

[0093] Converting the first amount into a second amount corresponding to the first network by using the transaction tag, so as to obtain the second amount from the account corresponding to the account information in the first network;

[0094] The processed transaction application is to obtain the second amount from the account corresponding to the account information, and the intermediate transaction information is the second amount.

[0095] That is, the cross-network transaction system needs to deduct the first amount from the transaction tag, so firstly the account identified by the account information corresponding to the transaction tag is deducted by the second amount, so that the cross-network transaction system obtains the second amount from the first network.

[0096] The units of the first amount and the second amount may be the same or different, and the values ​​of the first amount and the second amount may be equal or unequal, with the conversion rules specified by the cross-network transaction system.

[0097] For example, the transaction application is to deduct RMB 14 from the transaction mark and pay it to a merchant. Then the first amount is RMB 14. Since the account owner's account is a bank card denominated in US dollars opened in the United States, RMB 14 is converted into US dollars 2, and the second amount is also US dollars 2. The above assumes that the exchange rate between the US dollar and the RMB is 1:7, that is, 1 US dollar is exchanged for 7 RMB. That is, the conversion between the first amount and the second amount needs to follow the current exchange rate. It should be noted that the first amount and the second amount can be equal in value, and the value of the second amount can also be higher than the first amount, and the higher value can be used as a service fee.

[0098] In some feasible implementations, processing the transaction intermediate information using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network includes:

[0099] Using the transaction tag, convert the second amount into a third amount corresponding to the second network, where the third amount is greater than or equal to the first amount, so as to add the third amount to the balance information corresponding to the transaction tag in the second network;

[0100] deducting the first amount from the balance information corresponding to the transaction mark according to the transaction application;

[0101] The transaction result includes: deducting the first amount from the balance information corresponding to the transaction mark.

[0102] After the cross-network transaction system obtains the second amount from the first network, it converts it into the third amount in the second network, so that the cross-network transaction system obtains the third amount available in the second network, and then allocates the third amount to the transaction token, and then deducts the first amount from the third amount to provide it to the other party of the transaction. That is, the transaction token provides the first amount to the merchant in the second network in the second network.

[0103] Continuing with the previous example, the cross-network transaction system obtains 2 U.S. dollars (the second amount) and converts it into 14 RMB (the third amount) usable in the second network, adds the 14 RMB to the balance corresponding to the transaction tag, and then pays the 14 RMB to the other party to the transaction (such as the merchant who collects the payment).

[0104] It should be noted that the action of deducting the transaction tag by the first amount may be performed after the transaction tag is increased by the third amount. If the risk is controllable, in order to improve the efficiency of payment and reduce the waiting time, the action of deducting the transaction tag by the first amount may be performed before the transaction tag is increased by the third amount.

[0105] In some feasible implementations, the step 102 is also included, in which the account binding application is verified, including at least one of the following verification methods:

[0106] Performing information verification based on user information in the account information, wherein the account information includes user information;

[0107] A pre-authorization transaction is initiated on the first network according to the account information.

[0108] For example, the entry and exit information of the user information in the account information is verified to verify the identity of the account owner.

[0109] After the cross-network transaction system initiates the pre-authorization transaction, it can obtain a certain amount of fund payment commitment for the account information from the first network, thereby ensuring that the account information provided by the account owner is true and valid. A similar operation can also be that the cross-network transaction system initiates a consumption transaction in the first network based on the account information. That is, the cross-network transaction system collects money from the account corresponding to the account information in the first network on behalf of the merchant.

[0110] In this way, the transaction risks of cross-network transactions can be reduced.

[0111] In some feasible implementations, the step 104 is also included, setting transaction control parameters. For example, at least one of the following transaction control parameters is set:

[0112] a transaction object type set on the second network;

[0113] Setting a transaction type on the second network;

[0114] The total number of transactions and / or the number of transactions per day set on the second network;

[0115] The total transaction amount and / or the daily transaction amount on the second network is set.

[0116] Specific transaction control methods include: setting one of the transaction parties supporting the cross-network transaction method in the second network to be a livelihood merchant; setting the transaction type supported in the second network to be consumer services, and prohibiting transfer and withdrawal services; setting the total number of consumption times in the second network to not exceed 100 times or the number of consumption times per day to not exceed 20 times (taking the transaction type as personal consumption as an example); setting the total consumption amount in the second network to not exceed RMB 100,000 or the daily consumption amount to not exceed RMB 10,000 (taking the transaction type as personal consumption as an example).

[0117] In this way, transaction risks can be reduced.

[0118] Furthermore, for a cross-network transaction system, suspicious consumer transactions can also be identified and intercepted. This application does not limit the specific identification and interception algorithms.

[0119] The following references Figure 2 , taking the example of a foreign account owner entering China to make a mobile payment, this article introduces a complete transaction process. Figure 2 In the example shown, the cross-network transaction system is specifically a cross-network payment system, and the corresponding cross-network transaction method is specifically a cross-network payment method.

[0120] The account owner is Register a user on a mobile banking or third-party payment software and log in to these apps. The account owner can then Select to bind the bank card issued by the first payment clearing organization and apply for the transaction marking service in the second payment clearing network.

[0121] The application process is as follows: the account owner Confirm the service agreement on the application interface, and fill in the user information (such as nationality, gender, name, ID type, ID number, mobile phone number) and bank card information (such as card number, expiration date, card verification code CVN, etc.) and provide it to

[0122] The validity is verified based on the user information and bank card information provided by the account owner. After the verification is passed, a transaction tag that can be used for payment on the domestic second payment clearing network is generated, and the domestic transaction tag and foreign bank card are associated and bound. At the same time, the transaction control parameters of the domestic transaction tag are set.

[0123] After the binding is completed, The application result is shown to the account owner, and payment can be made domestically based on the transaction tag. For example, a payment QR code can be generated based on the transaction tag.

[0124] The account owner initiates a QR code transaction offline, which is processed in turn by domestic merchants and corresponding acquiring institutions in the domestic second payment clearing network. Transfer and send to according to the standard QR code transaction process The domestic part accepts the standard QR code of the second payment clearing network generated by the transaction tag and follows the usage standards and procedures of the second payment clearing network QR code.

[0125] The server generates a cross-border payment order based on the overseas bank card information authorized by the account owner when applying for the transaction tag service, and initiates overseas bank card collection through the first payment clearing network. The cross-border part converts the QR code transaction initiated based on the transaction tag into an equivalent overseas bank card transaction, following the standards and procedures for overseas bank card transactions on the first payment clearing network.

[0126] at last, The payment result will be responded to the domestic acquiring merchant through the second payment clearing network and displayed to the account owner.

[0127] Based on the same technical concept, an embodiment of the present application also provides a cross-network transaction system for executing the cross-network transaction method provided in any of the above embodiments. Figure 3 A schematic diagram of the structure of a cross-network transaction system provided in an embodiment of the present application.

[0128] like Figure 3 As shown, the cross-network transaction system includes:

[0129] An acquisition module 201 is used to acquire an account binding application, wherein the account binding application includes account information, and the account information is used to conduct transactions on the first network;

[0130] A binding module 202, configured to generate a transaction tag for use in a second network according to the account binding application, and bind the transaction tag to the account information;

[0131] The first network transaction module 203 is used to obtain the transaction application initiated in the second network, process the transaction application using the transaction tag, and perform transactions in the first network using the processed transaction application and the account information to obtain transaction intermediate information;

[0132] The second network transaction module 204 is used to process the transaction intermediate information using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network.

[0133] In some feasible implementations, the method of initiating the transaction application includes: generating a QR code based on the transaction tag, so that a transaction device can initiate the transaction application based on the QR code; or initiating the transaction application based on the QR code and the transaction tag.

[0134] In some possible implementations,

[0135] The transaction tag is associated with a balance information, and the transaction application includes a first amount for deducting the balance of the transaction tag;

[0136] The first network transaction module is specifically used to: use the transaction tag to convert the first amount into a second amount corresponding to the first network, so as to obtain the second amount from the account corresponding to the account information in the first network.

[0137] In some feasible implementations, the second network transaction module is specifically used to:

[0138] Using the transaction tag, convert the second amount into a third amount corresponding to the second network, where the third amount is greater than or equal to the first amount, so as to add the third amount to the balance information corresponding to the transaction tag in the second network;

[0139] The first amount is deducted from the balance information corresponding to the transaction tag according to the transaction application.

[0140] In some feasible implementations, a verification module 205 is further included, which is used to verify the account binding application, using at least one of the following verification methods:

[0141] Performing information verification based on user information in the account information, wherein the account information includes user information;

[0142] A pre-authorization transaction is initiated on the first network according to the account information.

[0143] In some feasible implementations, a transaction control module 206 is further included, which is used to set at least one of the following transaction control parameters:

[0144] a transaction object type set on the second network;

[0145] Setting a transaction type on the second network;

[0146] The total number of transactions and / or the number of transactions per day set on the second network;

[0147] The total transaction amount and / or the daily transaction amount on the second network is set.

[0148] Specifically, the first network and the second network are different payment clearing networks.

[0149] It should be noted that the device in the embodiment of the present application can implement the various processes of the embodiment of the aforementioned method and achieve the same effects and functions, which will not be repeated here.

[0150] Figure 4 A cross-network transaction system according to an embodiment of the present application is used to execute Figure 1 The cross-network transaction method shown, the device includes: at least one processor; and a memory connected to the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute: the aforementioned cross-network transaction method. According to some embodiments of the present application, a non-volatile computer storage medium is provided, on which computer executable instructions are stored, and the computer executable instructions are configured to execute: the aforementioned cross-network transaction method when executed by the processor.

[0151] Each embodiment in this application is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system and computer-readable storage medium embodiments, since they are basically similar to the method embodiments, their descriptions are simplified, and the relevant parts can be referred to the partial description of the method embodiments.

[0152] The system and computer-readable storage medium provided in the embodiments of the present application correspond one-to-one to the method. Therefore, the system and computer-readable storage medium also have similar beneficial technical effects to the corresponding methods. Since the beneficial technical effects of the methods have been described in detail above, the beneficial technical effects of the system and computer-readable storage medium will not be repeated here.

[0153] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0154] The present application is described with reference to the flowcharts and / or block diagrams of the methods, systems, and computer program products according to the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0155] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0156] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0157] In a typical configuration, a system includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0158] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0159] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be used to store information by any method or technology. Information can be computer-readable instructions, data structures, modules of programs, 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 technology, read-only compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. In addition, although the operations of the method of the present application are described in a specific order in the accompanying drawings, this does not require or imply that these operations must be performed in this specific order, or that all the operations shown must be performed to achieve the desired results. Additionally or alternatively, some steps can be omitted, multiple steps can be combined into one step, and / or one step can be decomposed into multiple steps.

[0160] Although the spirit and principle of the present application have been described with reference to several specific embodiments, it should be understood that the present application is not limited to the disclosed specific embodiments, and the division of various aspects does not mean that the features in these aspects cannot be combined to benefit, and such division is only for the convenience of expression. The present application is intended to cover various modifications and equivalent arrangements included in the spirit and scope of the attached claims.

Claims

1. A cross-network transaction method, characterized in that: include: Obtaining an account binding application, the account binding application including account information, the account information being used to conduct transactions on the first network; generating a transaction tag used in the second network according to the account binding application, binding the transaction tag to the account information, wherein the role of the transaction tag in the first network is the same as that of the account of the first network, and the role of the transaction tag in the second network is the same as that of the account of the second network; the first network and the second network are different payment and clearing networks; Acquire a transaction application initiated in the second network, process the transaction application using the transaction tag, and perform a transaction in the first network using the processed transaction application and the account information to obtain intermediate transaction information; In the second network, the transaction intermediate information is processed using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network; The transaction tag is associated with a balance information, the transaction application includes a first amount of deduction of the balance of the transaction tag, and the transaction application is processed using the transaction tag to perform a transaction in the first network using the processed transaction application and the account information to obtain transaction intermediate information, including: The first amount is converted into a second amount corresponding to the first network by using the transaction tag, so as to obtain the second amount from the account corresponding to the account information in the first network; the processed transaction application is to obtain the second amount from the account corresponding to the account information, and the intermediate transaction information is the second amount; The processing of the transaction intermediate information by using the transaction tag to obtain a transaction result corresponding to the transaction application in the second network includes: The second amount is converted into a third amount corresponding to the second network by using the transaction tag, wherein the third amount is greater than or equal to the first amount, so that the third amount is added to the balance information corresponding to the transaction tag in the second network; the first amount is deducted from the balance information corresponding to the transaction tag according to the transaction application; and the transaction result includes: the first amount is deducted from the balance information corresponding to the transaction tag.

2. The method according to claim 1, characterized in that The initiation method of the transaction application includes: A QR code is generated according to the transaction mark, so that the transaction device can use the QR code to initiate the transaction application; or the transaction application is initiated according to the QR code and the transaction mark.

3. The method according to claim 1, characterized in that The application for account binding may be verified by at least one of the following verification methods: Performing information verification based on user information in the account information, wherein the account information includes user information; A pre-authorization transaction is initiated on the first network according to the account information.

4. The method according to claim 1, characterized in that: Also includes: Set at least one of the following transaction control parameters: a transaction object type set on the second network; Setting a transaction type on the second network; The total number of transactions and / or the number of transactions per day set on the second network; The total transaction amount and / or the daily transaction amount on the second network is set.

5. A cross-network transaction system, characterized in that: include: An acquisition module, used to acquire an account binding application, wherein the account binding application includes account information, and the account information is used to conduct transactions on the first network; a binding module, configured to generate a transaction tag for use in the second network according to the account binding application, bind the transaction tag to the account information, wherein the role of the transaction tag in the first network is the same as that of the account of the first network, and the role of the transaction tag in the second network is the same as that of the account of the second network; the first network and the second network are different payment and clearing networks; The first network transaction module is used to obtain a transaction application initiated in the second network, process the transaction application using the transaction tag, and perform a transaction in the first network using the processed transaction application and the account information to obtain intermediate transaction information; A second network transaction module, configured to process the transaction intermediate information using the transaction tag in the second network, so as to obtain a transaction result corresponding to the transaction application in the second network; The transaction tag is associated with a balance information, and the transaction application includes a first amount for deducting the balance of the transaction tag; the first network transaction module is specifically used to: use the transaction tag to convert the first amount into a second amount corresponding to the first network, so as to obtain the second amount from the account corresponding to the account information in the first network; The second network transaction module is specifically used to: use the transaction tag to convert the second amount into a third amount corresponding to the second network, where the third amount is greater than or equal to the first amount, so as to increase the third amount to the balance information corresponding to the transaction tag in the second network; and deduct the first amount from the balance information corresponding to the transaction tag according to the transaction application.

6. The system according to claim 5, characterized in that The initiation method of the transaction application includes: A QR code is generated according to the transaction mark, so that the transaction device can use the QR code to initiate the transaction application; or the transaction application is initiated according to the QR code and the transaction mark.

7. The system according to claim 5, characterized in that It also includes a verification module, which is used to verify the account binding application, using at least one of the following verification methods: Performing information verification based on user information in the account information, wherein the account information includes user information; A pre-authorization transaction is initiated on the first network according to the account information.

8. The system according to claim 5, characterized in that The system also includes a transaction control module, which is used to set at least one of the following transaction control parameters: a transaction object type set on the second network; Setting a transaction type on the second network; The total number of transactions and / or the number of transactions per day set on the second network; The total transaction amount and / or the daily transaction amount on the second network is set.

9. A cross-network transaction system, characterized in that: include: at least one processor; And, a memory communicatively connected to at least one processor; wherein the memory stores instructions executable by at least one processor, and the instructions are executed by at least one processor so that at least one processor can execute: a cross-network transaction method according to any one of claims 1-4.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a program, and when the program is executed by a processor, the processor executes: the cross-network transaction method according to any one of claims 1-4.

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