Data transfer method, system, terminal, server and storage medium

Abstract

The present application discloses a data transfer method, system, terminal, server and storage medium, the method comprising: a first terminal acquires a first payment identification code, a second terminal acquires a second payment identification code; the first terminal sends a first data transfer request to the second terminal; the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request; the UnionPay server transfers the data transfer value from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request. The technical solution of the present application is adopted to identify the user's bank account through the payment identification information composed of the payment identification code and the bank code without requiring the user's personal privacy information, and complete the inter-bank transfer business; and the payment identification code of the present application can identify the user's level, so that the data transfer limit can be set according to the user's level.

Description

Technical Field

[0001] The present application relates to the field of Internet communication technology, and in particular to a data transfer method, system, terminal, server and storage medium. Background Art

[0002] Currently, remittances between banks require that the user's personal information (email address, mobile phone number) be bound to the bank client first, and the amount and payment password must be entered after logging into the client before the transfer can be completed.

[0003] Since email addresses and mobile phone numbers are registered on third-party platforms and have different communication purposes, they are highly exposed and have a high risk of misuse. Moreover, after users change or cancel their email addresses or mobile phone numbers, they do not necessarily update them in the bank client, which results in many invalid or non-existent email addresses or mobile phone numbers being bound to the bank, and the bank cannot control this, and can only rely on users to voluntarily cancel or change the bound email addresses and mobile phones.

[0004] Therefore, it is necessary to provide a data transfer method, system, terminal, server and storage medium to avoid user privacy leakage and facilitate the bank's back-end management of user payment identification information. Summary of the invention

[0005] The present application provides a data transfer method, system, terminal, server and storage medium, which can avoid the leakage of user privacy and facilitate the bank's back-end management of user payment identification information.

[0006] In one aspect, the present application provides a data transfer method, the method comprising:

[0007] The first terminal sends a first payment identification code acquisition request to the first server;

[0008] The first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request;

[0009] The second terminal sends a second payment identification code acquisition request to the second server;

[0010] The second server sends the second payment identification code to the second terminal based on the second payment identification code acquisition request;

[0011] The first terminal sends a first data transfer request to the second terminal, where the first data transfer request carries first payment identification information, where the first payment identification information consists of a bank code of the first terminal and the first payment identification code;

[0012] The second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, wherein the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code;

[0013] Based on the second data transfer request, the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee.

[0014] Another aspect provides a data transfer method, the method comprising:

[0015] Sending a second payment identification code acquisition request to the second server;

[0016] receiving the second payment identification code sent by the second server based on the second payment identification code acquisition request;

[0017] receiving a first data transfer request sent by a first terminal, the first data transfer request carrying a data transfer value and first payment identification information, the first payment identification information consisting of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by a first server to the first terminal based on a first payment identification code acquisition request; the first payment identification code acquisition request is sent by the first terminal to the first server;

[0018] Based on the first data transfer request, a second data transfer request is sent to the UnionPay server, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the local terminal and the second payment identification code.

[0019] Another aspect provides a data transfer method, the method comprising:

[0020] Sending a first payment identification code acquisition request to the first server;

[0021] Receiving the first payment identification code sent by the first server based on the first payment identification code acquisition request;

[0022] A first data transfer request is sent to a second terminal, wherein the first data transfer request carries first payment identification information; so that the second terminal sends a second data transfer request to a UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee based on the second data transfer request; the first payment identification information is composed of the bank code of the first terminal and the first payment identification code, the second payment identification information is composed of the bank code of the second terminal and the second payment identification code, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request, and the second payment identification code acquisition request is sent by the second terminal to the second server.

[0023] Another aspect provides a data transfer method, the method comprising:

[0024] Receiving a first payment identification code acquisition request sent by a first terminal;

[0025] Based on the first payment identification code acquisition request, the first payment identification code is sent to the first terminal; so that the first terminal sends a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; and based on the first data transfer request, a second data transfer request is sent to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request.

[0026] Another aspect provides a data transfer method, the method comprising:

[0027] Receiving a second payment identification code acquisition request sent by a second terminal;

[0028] Based on the second payment identification code acquisition request, the second payment identification code is sent to the second terminal; so that the second terminal receives the first data transfer request sent by the first terminal, the first data transfer request carries the first payment identification information, and the first payment identification information is composed of the bank code of the first terminal and the first payment identification code; the first payment identification code is sent by the first server to the first terminal based on the first payment identification code acquisition request; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request.

[0029] Another aspect provides a data transfer terminal, the terminal comprising:

[0030] A second payment identification code acquisition request sending module, used to send a second payment identification code acquisition request to the second server;

[0031] A second payment identification code receiving module, configured to receive the second payment identification code sent by the second server based on the second payment identification code acquisition request;

[0032] a first data transfer request receiving module, configured to receive a first data transfer request sent by a first terminal, wherein the first data transfer request carries first payment identification information, and the first payment identification information is composed of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by the first server to the first terminal based on a first payment identification code acquisition request; and the first payment identification code acquisition request is sent by the first terminal to the first server;

[0033] A data transfer information sending module is used to send a second data transfer request to a UnionPay server based on the first data transfer request, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the local terminal and the second payment identification code.

[0034] Another aspect provides a data transfer terminal, the terminal comprising:

[0035] A first payment identification code acquisition request sending module, used to send a first payment identification code acquisition request to the first server;

[0036] A first payment identification code receiving module, configured to receive the first payment identification code sent by the first server based on the first payment identification code acquisition request;

[0037] A first data transfer request sending module is used to send a first data transfer request to a second terminal, wherein the first data transfer request carries first payment identification information; so that the second terminal sends a second data transfer request to a UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from an account containing the payment identification information corresponding to a data transferee to an account containing the payment identification information corresponding to a data transferee based on the second data transfer request; the first payment identification information is composed of a bank code of the first terminal and the first payment identification code, the second payment identification information is composed of a bank code of the second terminal and the second payment identification code, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on a request to obtain the second payment identification code, and the request to obtain the second payment identification code is sent by the second terminal to the second server.

[0038] Another aspect provides a data transfer server, the server comprising:

[0039] A first payment identification code acquisition request receiving module, used to receive a first payment identification code acquisition request sent by a first terminal;

[0040] The first payment identification code sending module is used to send the first payment identification code to the first terminal based on the first payment identification code acquisition request; so that the first terminal sends a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; and based on the first data transfer request, send a second data transfer request to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request.

[0041] Another aspect provides a data transfer server, the server comprising:

[0042] A second payment identification code acquisition request receiving module, used to receive a second payment identification code acquisition request sent by a second terminal;

[0043] A second payment identification code sending module is used to send the second payment identification code to the second terminal based on the second payment identification code acquisition request; so that the second terminal receives the first data transfer request sent by the first terminal, the first data transfer request carries the first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; the first payment identification code is sent by the first server to the first terminal based on the first payment identification code acquisition request; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request.

[0044] Another aspect provides a data transfer system, the system comprising a first terminal, a first server, a second terminal, a second server and a UnionPay server;

[0045] The first terminal is used to send a first payment identification code acquisition request to the first server; and send a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of a bank code of the first terminal and the first payment identification code;

[0046] The first server is configured to send the first payment identification code to the first terminal based on the first payment identification code acquisition request;

[0047] The second terminal is used to send a second payment identification code acquisition request to the second server; and based on the first data transfer request, send a second data transfer request to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code;

[0048] The second server is configured to send the second payment identification code to the second terminal based on the second payment identification code acquisition request;

[0049] The UnionPay server is used to transfer the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request.

[0050] On the other hand, a data transfer server is provided, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set are loaded and executed by the processor to implement the data transfer method as described above.

[0051] On the other hand, a data transfer terminal is provided, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method as described above.

[0052] On the other hand, a computer-readable storage medium is provided, in which at least one instruction, at least one program, a code set or an instruction set is stored, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the data transfer method as described above.

[0053] The data transfer method, system, terminal, server and storage medium provided by the present application have the following technical effects:

[0054] In the present application, two terminals obtain corresponding payment identification codes through their respective servers respectively. During the data transfer process, the second terminal sends a second data transfer request to the UnionPay server by receiving a first data transfer request carrying the first payment identification information sent by the first terminal; the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee through the second data transfer request; the technical solution of the present application is adopted to realize the identification of the user's bank account through the payment identification information composed of the payment identification code and the bank code without the need for the user's personal privacy information, so as to complete the inter-bank transfer business; thereby avoiding the leakage of the user's privacy and facilitating the bank's back-end management of the user's payment identification information; in addition, the payment identification code of the present application can identify the user's level, so that the data transfer limit can be set according to the user's level. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solutions and advantages in the embodiments of the present application or the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0056] Figure 1 is a schematic diagram of a system provided in an embodiment of the present application;

[0057] Figure 2 It is a flowchart of a data transfer method provided in an embodiment of the present application;

[0058] Figure 3 is a flowchart of a method for determining that the data transfer information meets a preset condition provided by an embodiment of the present application;

[0059] Figure 4 It is a flowchart of a method for obtaining a payment identification code provided in an embodiment of the present application;

[0060] Figure 5 It is a flowchart of a method for generating a payment QR code provided in an embodiment of the present application;

[0061] Figure 6 It is a flowchart of a method for remittance by identifying a QR code provided in an embodiment of the present application;

[0062] Figure 7 This is a schematic diagram of a remittance method flow provided by an embodiment of the present application;

[0063] Figure 8 It is a flowchart of an inter-bank transfer method using a payment identification code provided in an embodiment of the present application;

[0064] Fig. 9 It is a flowchart of another method for obtaining a payment identification code provided in an embodiment of the present application;

[0065] Fig.10 It is a flowchart of an inter-bank transfer method provided in an embodiment of the present application;

[0066] Fig.11 is a flowchart of another data transfer method provided in an embodiment of the present application;

[0067] Fig.12 is a flowchart of another data transfer method provided in an embodiment of the present application;

[0068] Fig.13 is a structural diagram of another data transfer terminal provided in an embodiment of the present application;

[0069] Fig.14 It is a structural diagram of another data transfer terminal provided in an embodiment of the present application. DETAILED DESCRIPTION

[0070] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0071] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or server that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0072] See also Figure 1 , Figure 1 is a schematic diagram of a system provided in an embodiment of the present application, such as Figure 1As shown, the system may include at least a first terminal 01 , a second terminal 02 , a first server 03 , a second server 04 and a UnionPay server 05 .

[0073] Specifically, the first terminal 01 may include physical devices such as smart phones, tablet computers, laptops, digital assistants, smart wearable devices, and vehicle-mounted terminals, and may also include software running in physical devices. For example, the first terminal 01 may include an electronic banking application.

[0074] Specifically, the second terminal 02 may include physical devices such as smart phones, tablet computers, laptops, digital assistants, smart wearable devices, and vehicle-mounted terminals, and may also include software running in physical devices. For example, the second terminal 02 may include an electronic banking application.

[0075] Specifically, the first server 03 may include an independently operated server, a distributed server, or a server cluster composed of multiple servers. The server 03 may include a network communication unit, a processor, a memory, etc. The first server 03 may provide background services for the first terminal 01.

[0076] Specifically, the second server 04 may include an independently operated server, a distributed server, or a server cluster composed of multiple servers. The second server 04 may include a network communication unit, a processor, a memory, etc. The second server 04 may provide background services for the second terminal 02.

[0077] Specifically, the UnionPay server 05 may include an independently operated server, a distributed server, or a server cluster consisting of multiple servers. The UnionPay server 05 may include a network communication unit, a processor, a memory, etc. The UnionPay server 05 may provide background services for the first server 03 and the second server 04.

[0078] The following describes the data transfer method of this application based on the above system. Figure 2 It is a flowchart of a data transfer method provided in an embodiment of the present application. This specification provides method operation steps as described in the embodiment or flowchart, but may include more or fewer operation steps based on conventional or non-creative labor. The order of steps listed in the embodiment is only one way of executing the steps among many orders, and does not represent the only order of execution. When the actual system or server product is executed, it can be executed in sequence or in parallel (for example, in a parallel processor or multi-threaded processing environment) according to the method shown in the embodiment or the accompanying drawings. Specifically, Figure 2 As shown, the method may include:

[0079] S201: The first terminal sends a first payment identification code acquisition request to the first server.

[0080] In the embodiment of the present specification, the first terminal includes a first banking application, and the first server is used to provide background services for the first banking application.

[0081] In the embodiment of the present specification, the first terminal sending a first payment identification code acquisition request to the first server may include:

[0082] The first terminal sends a first payment identification code acquisition request to the first server in response to a triggering operation of the first user on the display interface.

[0083] In the embodiment of the present specification, the first payment identification code acquisition request may carry identification information of the first user corresponding to the first terminal. For example, the identification information of the first user may include the identity identifier, mobile phone number and email account of the first user.

[0084] S203: The first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request.

[0085] In the embodiment of the present specification, the first payment identification code may be composed of a string of characters, and the first payment identification code is the unique identification information of the first terminal on the first server; the first server may assign different payment identification codes to multiple first terminals, and the payment identification code of each first terminal is different.

[0086] In the embodiment of the present specification, after the step of the first server sending the first payment identification code to the first terminal based on the first payment identification code acquisition request, the method may further include:

[0087] The first server sends the first payment identification information to the UnionPay server.

[0088] In the embodiment of the present specification, the first server sending the first payment identification code to the first terminal based on the first payment identification code acquisition request may include:

[0089] The first server generates a first payment identification code for the first terminal based on identification information of a first user corresponding to the first terminal in the first payment identification code acquisition request;

[0090] The first server sends the first payment identification code to the first terminal.

[0091] In the embodiment of the present specification, the first payment identification code acquisition request carries the first authentication information and the user level information of the first terminal, and the first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request, which may include:

[0092] The first server determines, based on the first authentication information, the legitimacy of the first payment identification code acquisition request;

[0093] When the first payment identification code acquisition request is legal, the first server generates the first payment identification code based on the user level information of the first terminal and sends the first payment identification code to the first terminal;

[0094] When the first payment identification code acquisition request is illegal, the first server sends request failure information to the first terminal.

[0095] In a specific embodiment, the first server generating the first payment identification code based on the user level information of the first terminal and sending the first payment identification code to the first terminal may include:

[0096] The first server obtains account information of the first bank;

[0097] The first server generates the first payment identification code based on the user level information of the first terminal and the account information of the first bank, and sends the first payment identification code to the first terminal.

[0098] In a specific embodiment, the first authentication information may include identification information of the first terminal and identification information of the first bank, and the first server may determine the legitimacy of the first payment identification code acquisition request based on the first authentication information by:

[0099] The first server determines whether the first bank is the bank corresponding to the first server based on the identification information of the first bank; if so, it determines that the first payment identification code acquisition request is legal; if not, it determines that the first payment identification code acquisition request is illegal.

[0100] In a specific embodiment, the identification information of the first bank may include the name and code of the first bank.

[0101] In a specific embodiment, the user level information of the first terminal may include ordinary users and senior member users. For example, for ordinary users, a first payment identification code starting with the number 7 may be set; for senior member users, a first payment identification code starting with 8 may be set, so as to facilitate quick determination of the level of the user corresponding to the first terminal through the first payment identification code.

[0102] In a specific embodiment, Figure 4 (ad) as shown, Figure 4 Flowchart of the method for obtaining a payment identification code. The user can submit authentication information in the display interface of the terminal to apply for a payment identification code ( Figure 4 a-4b), the terminal will authenticate after receiving the application, and after successful authentication, it will display the application success ( Figure 4 c) and then displays the Quick Pay ID to the user ( Figure 4 d).

[0103] In the embodiments of the present specification, the first payment identification code of the first terminal is generated by the first server as the unique identification information of the first terminal, which can avoid privacy leakage caused by the user using his or her own mobile phone number or email account and other private information to establish a binding relationship with the first server; and it is convenient for the first server to manage the identification information of the first terminal.

[0104] In the embodiment of the present specification, after the first terminal obtains the first payment identification code, the first payment identification code may be used to conduct a bank transaction, or the first terminal may apply to the first server to reset the first payment identification code.

[0105] S205: The second terminal sends a request for obtaining a second payment identification code to the second server.

[0106] In the embodiment of this specification, the second terminal includes a second banking application, and the second server is used to provide background services for the second banking application;

[0107] In the embodiment of the present specification, the second terminal sending the second payment identification code acquisition request to the second server may include:

[0108] The second terminal sends a second payment identification code acquisition request to the second server in response to a triggering operation of the second user on the display interface.

[0109] In the embodiment of the present specification, the second payment identification code acquisition request may carry identification information of the second user corresponding to the second terminal. For example, the identification information of the second user may include the identity identifier, mobile phone number and email account of the second user.

[0110] S207: The second server sends the second payment identification code to the second terminal based on the second payment identification code acquisition request.

[0111] In the embodiment of the present specification, the second payment identification code may be composed of a string of characters, and the second payment identification code is the unique identification information of the second terminal on the second server; the second server may assign different payment identification codes to multiple second terminals, and the payment identification code of each second terminal is different.

[0112] In the embodiment of the present specification, after the step of the second server sending the second payment identification code to the second terminal based on the second payment identification code acquisition request, the method may further include:

[0113] The second server sends the second payment identification information to the UnionPay server.

[0114] In the embodiment of the present specification, the second server sending the second payment identification code to the second terminal based on the second payment identification code acquisition request may include:

[0115] The second server generates a second payment identification code for the second terminal based on identification information of a second user corresponding to the second terminal in the second payment identification code acquisition request;

[0116] The second server sends the second payment identification code to the second terminal.

[0117] In the embodiment of the present specification, the second server sending the second payment identification code to the second terminal based on the second payment identification code acquisition request may include:

[0118] The second server generates a second payment identification code for the second terminal based on identification information of a second user corresponding to the second terminal in the second payment identification code acquisition request;

[0119] The second server sends the second payment identification code to the second terminal.

[0120] In some embodiments, the first payment identification code acquisition request carries the user level information of the first terminal, and the second payment identification code acquisition request carries the user level information of the second terminal.

[0121] Accordingly, the first server sending the first payment identification code to the first terminal based on the first payment identification code acquisition request includes:

[0122] The first server generates the first payment identification code based on the user level information of the first terminal and sends the first payment identification code to the first terminal;

[0123] Correspondingly, the second server sending the second payment identification code to the second terminal based on the second payment identification code acquisition request includes:

[0124] The second server generates the second payment identification code based on the user level information of the second terminal and sends the second payment identification code to the second terminal;

[0125] Accordingly, the method further includes:

[0126] The first server determines a first data transfer amount of the first terminal based on the first payment identification code;

[0127] The second server determines a second data transfer amount of the second terminal based on the second payment identification code.

[0128] The user level information of the second terminal may include ordinary users and senior member users. For example, for ordinary users, a second payment identification code starting with the number 1 may be set; for senior member users, a second payment identification code starting with 2 may be set, so as to facilitate quick determination of the level of the user corresponding to the second terminal through the second payment identification code.

[0129] In some embodiments, the second payment identification code acquisition request carries the second authentication information and the user level information of the second terminal, and the second server sends the second payment identification code to the second terminal based on the second payment identification code acquisition request, which may include:

[0130] The second server determines, based on the second authentication information, the legitimacy of the second payment identification code acquisition request;

[0131] When the request to obtain the second payment identification code is legal, the second server generates the second payment identification code based on the user level information of the second terminal and sends the second payment identification code to the second terminal;

[0132] When the second payment identification code acquisition request is illegal, the second server sends request failure information to the second terminal.

[0133] In a specific embodiment, the second server generating the second payment identification code based on the user level information of the second terminal and sending the second payment identification code to the second terminal may include:

[0134] The second server obtains account information of the second bank;

[0135] The second server generates the second payment identification code based on the user level information of the second terminal and the account information of the second bank, and sends the second payment identification code to the second terminal.

[0136] In a specific embodiment, the second authentication information may include identification information of the second terminal and identification information of the second bank, and the second server may determine the legitimacy of the second payment identification code acquisition request based on the second authentication information, which may include:

[0137] The second server determines whether the second bank is the bank corresponding to the second server based on the identification information of the second bank; if so, it determines that the second payment identification code acquisition request is legal; if not, it determines that the second payment identification code acquisition request is illegal.

[0138] In a specific embodiment, the identification information of the first bank may include the name and code of the first bank.

[0139] In the embodiments of the present specification, a second payment identification code of the second terminal is generated by the second server as the unique identification information of the second terminal, which can avoid privacy leakage caused by users using their own mobile phone numbers or email accounts and other private information to establish a binding relationship with the second server; and facilitate the second server to manage the identification information of the second terminal.

[0140] In the embodiment of the present specification, after the second terminal obtains the second payment identification code, the second payment identification code can be used to perform a bank transaction, or the second terminal can apply to the second server to reset the second payment identification code.

[0141] S209: The first terminal sends a first data transfer request to the second terminal, where the first data transfer request carries first payment identification information, and the first payment identification information consists of a bank code of the first terminal and the first payment identification code.

[0142] In the embodiment of the present specification, the data transfer value may be a transfer amount, and the bank code of the first terminal may be a Society for Worldwide Interbank FinancialTelecommunication Code (SWIFT Code).

[0143] In a specific embodiment, the bank of the first terminal may be China Merchants Bank Shenzhen Branch, whose corresponding bank code is CMBCCNBS050, and the first payment identification code is 8602290, then the first payment identification information is CMBCCNBS050+8602290.

[0144] In the embodiment of the present specification, the first data transfer request may carry a data transfer value and a QR code. Before the first terminal sends the first data transfer request to the second terminal, the method may further include:

[0145] The first terminal generates the QR code based on the data transfer value and the first payment identification information.

[0146] In this embodiment of the specification, the first data transfer request also carries identification information of the first terminal, and before the second terminal generates data transfer information based on the first data transfer request, the method may further include:

[0147] The second terminal determines the legitimacy of the first data transfer request based on the identification information of the first terminal;

[0148] In a specific embodiment, the second terminal may determine whether the first terminal is a legal terminal based on the identification information of the first terminal, and if so, determine that the first data transfer request is legal; if not, determine that the first data transfer request is illegal.

[0149] S2011: The second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, where the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code.

[0150] In the embodiment of the present specification, the second terminal sending the second data transfer request to the UnionPay server based on the first data transfer request may include:

[0151] The second terminal generates data transfer information based on the first data transfer request, and sends the data transfer information to the second server; the data transfer information includes the data transfer value, the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code;

[0152] The second server sends a second data transfer request to the UnionPay server, where the second data transfer request carries the data transfer information.

[0153] In this embodiment of the specification, the second terminal generating data transfer information based on the first data transfer request may include:

[0154] When the first data transfer request is legal, the second terminal generates the data transfer information based on the first data transfer request.

[0155] When the first data transfer request is illegal, the second terminal sends data transfer failure prompt information to the first terminal.

[0156] In this embodiment of the specification, the second terminal generating data transfer information based on the first data transfer request may include:

[0157] The second terminal acquires the data transfer value and the first payment identification information based on the QR code;

[0158] The second terminal generates the data transfer information based on the data transfer value, the first payment identification information, and second payment identification information corresponding to the second terminal.

[0159] In a specific embodiment, Figure 5 (ad) as shown, the payee user can click "Receive" ( Figure 5 a), enter the amount to be paid and the transaction password ( Figure 5 b) and then confirm ( Figure 5 c) to generate a QR code containing the payment amount and payment identification code ( Figure 5 d).

[0160] In a specific embodiment, Figure 6 As shown in (ac), the payer user obtains the payment amount and payer information by scanning the payment QR code ( Figure 6 a), and the payer can modify the payment amount ( Figure 6 b) Then determine the recipient, payment amount and payment account information ( Figure 6 c) If Figure 7 As shown in (de), after confirming the information, the payee user enters the transaction password ( Figure 7 d), the payment is successfully completed ( Figure 7 e).

[0161] In the embodiments of this specification, Figure 3 As shown, when the first terminal is the data transferee, before the step of the second server sending the second data transfer request to the UnionPay server, the method may further include:

[0162] The second server determines whether the data transfer information meets a preset condition;

[0163] Accordingly, the method by which the second server determines whether the data transfer information meets the preset condition includes:

[0164] S301: The second server obtains the balance of the account corresponding to the second payment identifier;

[0165] S303: The second server determines whether the data transfer value is less than or equal to the balance of the account corresponding to the second payment identifier;

[0166] S305: When the data transfer value is less than or equal to the balance of the account corresponding to the second payment identifier, the second server determines whether the data transfer value is less than or equal to a preset threshold;

[0167] S307: When the data transfer value is less than or equal to a preset threshold, the second server determines that the data transfer information meets a preset condition.

[0168] In a specific embodiment, the preset threshold may be a single transfer limit of an account.

[0169] S2013: Based on the second data transfer request, the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor.

[0170] In the embodiment of the present specification, the first data transfer request includes a first data transfer-in request, and the first terminal is the data transfer-in party; the UnionPay server transfers the data transfer value from the account where the payment identification information corresponding to the data transfer-in party is located to the account where the payment identification information corresponding to the data transfer-out party is located based on the second data transfer request, and may include:

[0171] The UnionPay server sends a data transfer value deduction request to the second server based on the second data transfer request; the data transfer value deduction request carries the data transfer value and the second payment identification code;

[0172] The second server deducts the data transfer value from the account corresponding to the second payment identification code based on the data transfer value deduction request;

[0173] The UnionPay server sends a data transfer value increase request to the first server based on the data transfer value in the data transfer information and the first payment identification information; the data transfer value increase request carries the data transfer value and the second payment identification code;

[0174] The first server adds the data transfer value to the account corresponding to the first payment identification code based on the data transfer value increase request.

[0175] In the embodiment of the present specification, the first data transfer request includes a first data transfer-out request, and the first terminal is the data transfer-out party; the UnionPay server transfers the data transfer value from the account where the payment identification information corresponding to the data transfer-in party is located to the account where the payment identification information corresponding to the data transfer-out party is located based on the second data transfer request, and may include:

[0176] The UnionPay server sends a data transfer value deduction request to the first server based on the data transfer value in the data transfer information and the first payment identification information; the data transfer value deduction request carries the data transfer value and the first payment identification code;

[0177] The first server deducts the data transfer value from the account corresponding to the first payment identification code based on the data transfer value deduction request;

[0178] The UnionPay server sends a data transfer value increase request to the second server based on the data transfer value and the second payment identification information in the data transfer information; the data transfer value increase request carries the data transfer value and the second payment identification code;

[0179] The second server adds the data transfer value to the account corresponding to the second payment identification code based on the data transfer value increase request.

[0180] In the embodiment of the present specification, after the first server sends the first payment identification code to the first terminal, it also sends the first payment identification information to the UnionPay server; after the second server sends the second payment identification code to the second terminal, it also sends the second payment identification information to the UnionPay server; thereby, the UnionPay server stores different payment identification information to facilitate inter-bank transfers.

[0181] In a specific embodiment, Figure 8-9 As shown in the figure, when a payment identification code is needed for inter-bank transfer, the user can send a request instruction to the backend server through the client. The backend server generates a payment identification code based on the request instruction and returns it to the client, and generates payment identification information and sends it to the UnionPay server. After the client obtains the payment identification code, inter-bank transfer can be realized, such as Fig.10As shown, when the first client needs to receive payment, a payment QR code is generated through the first payment identification code and the payment amount and sent to the second client. The second client obtains the payment amount and the payee information by identifying the payment QR code, and confirms it. It can also modify the payment amount before making a remittance. After the second client confirms the remittance information, it sends it to the corresponding second server. The second server determines whether the remittance information meets the conditions, for example, whether there is enough money, whether the remittance amount exceeds the limit, etc. When the remittance information meets the conditions, the second server sends a remittance request to the UnionPay server. Based on the request, the UnionPay server deducts the remittance amount from the second server, increases the payment amount in the first server, and sends a notification message to the clients corresponding to the two servers.

[0182] It can be known from the technical solutions provided in the above embodiments of this specification that the two terminals in the embodiments of this specification obtain corresponding payment identification codes through their respective servers respectively. During the data transfer process, the second terminal sends a second data transfer request to the UnionPay server by receiving the first data transfer request carrying the first payment identification information sent by the first terminal; the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located through the second data transfer request; the technical solution of the present application is adopted to realize the identification of the user's bank account through the payment identification information composed of the payment identification code and the bank code without the need for the user's personal privacy information, and complete the inter-bank transfer business; thereby avoiding the leakage of the user's privacy and facilitating the bank's back-end management of the user's payment identification information; in addition, the payment identification code of the present application can identify the user's level, so that the data transfer limit can be set according to the user's level.

[0183] The following describes a specific embodiment of a data transfer method in this specification using the first terminal as the execution subject. Fig.11 is a flow chart of a data transfer method provided in an embodiment of the present application. Specifically, Fig.11 As shown, the method may include:

[0184] S1101: Sending a first payment identification code acquisition request to a first server;

[0185] S1103: receiving the first payment identification code sent by the first server based on the first payment identification code acquisition request;

[0186] S1105: Send a first data transfer request to the second terminal, the first data transfer request carrying first payment identification information; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee based on the second data transfer request; the first payment identification information is composed of the bank code of the first terminal and the first payment identification code, the second payment identification information is composed of the bank code of the second terminal and the second payment identification code, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request, and the second payment identification code acquisition request is sent by the second terminal to the second server.

[0187] In some embodiments, the first data transfer request carries a QR code, and before the step of sending the first data transfer request to the second terminal, the method may further include:

[0188] The QR code is generated based on the data transfer value and the first payment identification information.

[0189] An embodiment of the present specification provides a data transfer terminal, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method as described above.

[0190] The following describes a specific embodiment of a data transfer method in this specification using the second terminal as the execution subject. Fig.12 is a flow chart of a data transfer method provided in an embodiment of the present application. Specifically, Fig.12 As shown, the method may include:

[0191] S1201: Sending a second payment identification code acquisition request to a second server;

[0192] S1203: receiving the second payment identification code sent by the second server based on the second payment identification code acquisition request;

[0193] S1205: Receive a first data transfer request sent by a first terminal, where the first data transfer request carries first payment identification information, and the first payment identification information consists of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by the first server to the first terminal based on a first payment identification code acquisition request; and the first payment identification code acquisition request is sent by the first terminal to the first server;

[0194] S1207: Based on the first data transfer request, a second data transfer request is sent to the UnionPay server, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the local terminal and the second payment identification code.

[0195] In some embodiments, sending a second data transfer request to the UnionPay server based on the first data transfer request may include:

[0196] Based on the first data transfer request, data transfer information is generated and sent to the second server; the data transfer information includes the data transfer value, the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; so that the second server sends a second data transfer request to the UnionPay server, and the second data transfer request carries the data transfer information.

[0197] The generating data transfer information based on the first data transfer request may include:

[0198] Based on the QR code, acquiring the data transfer value and the first payment identification information;

[0199] The data transfer information is generated based on the data transfer value, the first payment identification information, and the second payment identification information corresponding to the second terminal.

[0200] In some embodiments, the first data transfer request further carries identification information of the first terminal. Before the step of generating data transfer information based on the first data transfer request, the method may further include:

[0201] determining, based on the identification information of the first terminal, the legitimacy of the first data transfer request;

[0202] In some embodiments, generating data transfer information based on the first data transfer request may include:

[0203] When the first data transfer request is legal, the data transfer information is generated based on the first data transfer request.

[0204] An embodiment of the present specification provides a data transfer terminal, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method as described above.

[0205] The following is an introduction to a specific embodiment of a data transfer method of this specification with the first server as the execution subject. The following is a data transfer method provided by an embodiment of the present application, and the method may include:

[0206] Receiving a first payment identification code acquisition request sent by a first terminal;

[0207] Based on the first payment identification code acquisition request, the first payment identification code is sent to the first terminal; so that the first terminal sends a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; and based on the first data transfer request, a second data transfer request is sent to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request.

[0208] In some embodiments, the first payment identification code acquisition request carries user level information of the first terminal, and sending the first payment identification code to the first terminal based on the first payment identification code acquisition request includes:

[0209] generating the first payment identification code based on the user level information of the first terminal and sending the first payment identification code to the first terminal;

[0210] Accordingly, the method further includes:

[0211] A first data transfer amount of the first terminal is determined based on the first payment identification code.

[0212] In some embodiments, user authority information of the first terminal may also be determined based on the first payment identification code.

[0213] In some embodiments, the first payment identification code acquisition request carries the first authentication information and the user level information of the first terminal, and sending the first payment identification code to the first terminal based on the first payment identification code acquisition request may include:

[0214] Based on the first authentication information, determining the legitimacy of the first payment identification code acquisition request;

[0215] When the request to obtain the first payment identification code is legal, the first payment identification code is generated based on the user level information of the first terminal and the first payment identification code is sent to the first terminal.

[0216] In some embodiments, after the step of sending the first payment identification code to the first terminal based on the first payment identification code acquisition request, the method may further include:

[0217] Send the first payment identification information to the UnionPay server.

[0218] An embodiment of the present specification provides a data transfer server, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the data transfer method as described above.

[0219] The following is an introduction to a specific embodiment of a data transfer method of this specification with the second server as the execution subject. The following is a data transfer method provided by an embodiment of the present application. Specifically, the method may include:

[0220] Receiving a second payment identification code acquisition request sent by a second terminal;

[0221] Based on the second payment identification code acquisition request, the second payment identification code is sent to the second terminal; so that the second terminal receives the first data transfer request sent by the first terminal, the first data transfer request carries the first payment identification information, and the first payment identification information is composed of the bank code of the first terminal and the first payment identification code; the first payment identification code is sent by the first server to the first terminal based on the first payment identification code acquisition request; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request.

[0222] In some embodiments, the second payment identification code acquisition request carries the user level information of the second terminal, and sending the second payment identification code to the second terminal based on the second payment identification code acquisition request may include:

[0223] generating the second payment identification code based on the user level information of the second terminal and sending the second payment identification code to the second terminal;

[0224] Accordingly, the method further includes:

[0225] A second data transfer amount of the second terminal is determined based on the second payment identification code.

[0226] In some embodiments, user authority information of the second terminal may also be determined based on the second payment identification code.

[0227] In some embodiments, the second payment identification code acquisition request carries the second authentication information and the user level information of the second terminal, and sending the second payment identification code to the second terminal based on the second payment identification code acquisition request may include:

[0228] Based on the second authentication information, determining the legitimacy of the second payment identification code acquisition request;

[0229] When the request to obtain the second payment identification code is legal, the second payment identification code is generated based on the user level information of the second terminal and the second payment identification code is sent to the second terminal.

[0230] In some embodiments, the method may further include:

[0231] receiving data transfer information sent by the second terminal; the data transfer information includes the data transfer value, the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code;

[0232] Sending a second data transfer request to the UnionPay server, where the second data transfer request carries the data transfer information.

[0233] In some embodiments, when the first terminal is the data transferee, before the step of sending the second data transfer request to the UnionPay server, the method may further include:

[0234] Determining whether the data transfer information meets a preset condition;

[0235] Accordingly, the method for determining whether the data transfer information meets the preset condition may include:

[0236] Obtaining the balance of the account corresponding to the second payment identifier;

[0237] Determining whether the data transfer value is less than or equal to the balance of the account corresponding to the second payment identifier;

[0238] When the data transfer value is less than or equal to the balance of the account corresponding to the second payment identifier, determining whether the data transfer value is less than or equal to a preset threshold;

[0239] When the data transfer value is less than or equal to a preset threshold, it is determined that the data transfer information meets a preset condition.

[0240] In some embodiments, after the step of sending the second payment identification code to the second terminal based on the second payment identification code acquisition request, the method may further include:

[0241] Send the second payment identification information to the UnionPay server.

[0242] An embodiment of the present specification provides a data transfer server, which includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the data transfer method as described above.

[0243] In the embodiments of this specification, the memory can be used to store software programs and modules, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory. The memory may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, application programs required for functions, etc.; the data storage area may store data created according to the use of the device, etc. In addition, the memory may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other volatile solid-state storage device. Accordingly, the memory may also include a memory controller to provide the processor with access to the memory.

[0244] An embodiment of the present specification provides a computer-readable storage medium, wherein the storage medium stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by a processor to implement the data transfer method as described above.

[0245] The present application also provides a data transfer terminal, such as Fig.13 As shown, the terminal may include:

[0246] A first payment identification code acquisition request sending module 1310, configured to send a first payment identification code acquisition request to a first server;

[0247] A first payment identification code receiving module 1320, configured to receive the first payment identification code sent by the first server based on the first payment identification code acquisition request;

[0248] The first data transfer request sending module 1330 is used to send a first data transfer request to the second terminal, and the first data transfer request carries first payment identification information; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request; the first payment identification information is composed of the bank code of the first terminal and the first payment identification code, the second payment identification information is composed of the bank code of the second terminal and the second payment identification code, and the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request, and the second payment identification code acquisition request is sent by the second terminal to the second server.

[0249] The terminal and method embodiments in the terminal embodiments are based on the same inventive concept.

[0250] The present application also provides a data transfer terminal, such as Fig.14 As shown, the terminal may include:

[0251] A second payment identification code acquisition request sending module 1410, configured to send a second payment identification code acquisition request to a second server;

[0252] A second payment identification code receiving module 1420, configured to receive the second payment identification code sent by the second server based on the second payment identification code acquisition request;

[0253] A first data transfer request receiving module 1430 is configured to receive a first data transfer request sent by a first terminal, wherein the first data transfer request carries first payment identification information, and the first payment identification information is composed of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by the first server to the first terminal based on a first payment identification code acquisition request; and the first payment identification code acquisition request is sent by the first terminal to the first server;

[0254] The data transfer information sending module 1440 is used to send a second data transfer request to the UnionPay server based on the first data transfer request, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the local terminal and the second payment identification code.

[0255] The terminal and method embodiments in the terminal embodiments are based on the same inventive concept.

[0256] The embodiment of the present application further provides a data transfer server, which may include:

[0257] A first payment identification code acquisition request receiving module, used to receive a first payment identification code acquisition request sent by a first terminal;

[0258] The first payment identification code sending module is used to send the first payment identification code to the first terminal based on the first payment identification code acquisition request; so that the first terminal sends a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; and based on the first data transfer request, send a second data transfer request to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request.

[0259] The server in the server embodiment and the method embodiment are based on the same inventive concept.

[0260] The embodiment of the present application further provides a data transfer server, which may include:

[0261] A second payment identification code acquisition request receiving module, used to receive a second payment identification code acquisition request sent by a second terminal;

[0262] A second payment identification code sending module is used to send the second payment identification code to the second terminal based on the second payment identification code acquisition request; so that the second terminal receives the first data transfer request sent by the first terminal, the first data transfer request carries the first payment identification information, and the first payment identification information consists of the bank code of the first terminal and the first payment identification code; the first payment identification code is sent by the first server to the first terminal based on the first payment identification code acquisition request; so that the second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the second terminal and the second payment identification code; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request.

[0263] The server in the server embodiment and the method embodiment are based on the same inventive concept.

[0264] On the other hand, the present application also provides a data transfer system, the system comprising a first terminal, a first server, a second terminal, a second server and a UnionPay server;

[0265] The first terminal is used to send a first payment identification code acquisition request to the first server; and send a first data transfer request to the second terminal, the first data transfer request carries a data transfer value and first payment identification information, the first payment identification information consists of a bank code of the first terminal and the first payment identification code;

[0266] The first server is configured to send the first payment identification code to the first terminal based on the first payment identification code acquisition request;

[0267] The second terminal is used to send a second payment identification code acquisition request to the second server; and based on the first data transfer request, send a second data transfer request to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code;

[0268] The second server is configured to send the second payment identification code to the second terminal based on the second payment identification code acquisition request;

[0269] The UnionPay server is used to transfer the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request.

[0270] It can be seen from the embodiments of the data transfer method, system, terminal, server or storage medium provided by the present application that in the embodiments of the present specification, the two terminals respectively obtain the corresponding payment identification code through their respective servers. During the data transfer process, the second terminal sends a second data transfer request to the UnionPay server by receiving the first data transfer request carrying the first payment identification information sent by the first terminal; the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferor is located through the second data transfer request; the technical solution of the present application is adopted to realize the identification of the user's bank account through the payment identification information composed of the payment identification code and the bank code without the need for the user's personal privacy information, and complete the inter-bank transfer business; thereby avoiding the leakage of the user's privacy and facilitating the bank's back-end management of the user's payment identification information; in addition, the payment identification code of the present application can identify the user's level, so that the data transfer limit can be set according to the user's level.

[0271] It should be noted that the above-mentioned sequence of the embodiments of the present application is for description only and does not represent the advantages and disadvantages of the embodiments. The above-mentioned specific embodiments of this specification are described. Other embodiments are within the scope of the attached claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0272] Each embodiment in this specification 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 embodiments of the server, terminal, system, and storage medium, since they are basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0273] A person skilled in the art will understand that all or part of the steps to implement the above embodiments may be accomplished by hardware or by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a disk or an optical disk, etc.

[0274] The above description is only a preferred embodiment of the present application and is not intended to limit the present application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present application should be included in the protection scope of the present application.

Claims

1. A data transfer method, characterized in that: The method comprises: The first terminal sends a first payment identification code acquisition request to the first server; The first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request; The second terminal sends a second payment identification code acquisition request to the second server; The second server sends the second payment identification code to the second terminal based on the second payment identification code acquisition request; The first terminal sends a first data transfer request to the second terminal, where the first data transfer request carries first payment identification information, where the first payment identification information consists of a bank code of the first terminal and the first payment identification code; The second terminal sends a second data transfer request to the UnionPay server based on the first data transfer request, wherein the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; The UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is the data transfer-in party, and the second terminal is the data transfer-out party; if the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is the data transfer-out party, and the second terminal is the data transfer-in party.

2. The method according to claim 1, characterized in that The first data transfer request includes a first data transfer-in request, and the first terminal is a data transfer-in party; the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transfer-in party is located to the account where the payment identification information corresponding to the data transfer-out party is located based on the second data transfer request, including: The UnionPay server sends a data transfer value deduction request to the second server based on the second data transfer request; the data transfer value deduction request carries the data transfer value and the second payment identification code; The second server deducts the data transfer value from the account corresponding to the second payment identification code based on the data transfer value deduction request; The UnionPay server sends a data transfer value increase request to the first server based on the data transfer value in the data transfer information and the first payment identification information; the data transfer value increase request carries the data transfer value and the first payment identification code; The first server adds the data transfer value to the account corresponding to the first payment identification code based on the data transfer value increase request.

3. The method according to claim 2, characterized in that The first data transfer request includes a first data transfer-out request, and the first terminal is a data transfer-out party; the UnionPay server transfers the data transfer value from an account containing payment identification information corresponding to the data transfer-in party to an account containing payment identification information corresponding to the data transfer-out party based on the second data transfer request, including: The UnionPay server sends a data transfer value deduction request to the first server based on the data transfer value in the data transfer information and the first payment identification information; the data transfer value deduction request carries the data transfer value and the first payment identification code; The first server deducts the data transfer value from the account corresponding to the first payment identification code based on the data transfer value deduction request; The UnionPay server sends a data transfer value increase request to the second server based on the data transfer value and the second payment identification information in the data transfer information; the data transfer value increase request carries the data transfer value and the second payment identification code; The second server adds the data transfer value to the account corresponding to the second payment identification code based on the data transfer value increase request.

4. The method according to claim 1, characterized in that: The first payment identification code acquisition request carries the first authentication information and the user level information of the first terminal, and the first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request, including: The first server determines, based on the first authentication information, the legitimacy of the first payment identification code acquisition request; When the first payment identification code acquisition request is legal, the first server generates the first payment identification code based on the user level information of the first terminal and sends the first payment identification code to the first terminal; Correspondingly, the second payment identification code acquisition request carries the second authentication information and the user level information of the second terminal, and the second server sends the second payment identification code to the second terminal based on the second payment identification code acquisition request, including: The second server determines, based on the second authentication information, the legitimacy of the second payment identification code acquisition request; When the request to obtain the second payment identification code is legal, the second server generates the second payment identification code based on the user level information of the second terminal and sends the second payment identification code to the second terminal.

5. The method according to claim 1, characterized in that The second terminal sending a second data transfer request to the UnionPay server based on the first data transfer request includes: The second terminal generates data transfer information based on the first data transfer request, and sends the data transfer information to the second server; the data transfer information includes the data transfer value, the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; The second server sends a second data transfer request to the UnionPay server, where the second data transfer request carries the data transfer information.

6. The method according to claim 1, characterized in that The first payment identification code acquisition request carries the user level information of the first terminal, and the second payment identification code acquisition request carries the user level information of the second terminal. Accordingly, the first server sends the first payment identification code to the first terminal based on the first payment identification code acquisition request, including: The first server generates the first payment identification code based on the user level information of the first terminal and sends the first payment identification code to the first terminal; Correspondingly, the second server sending the second payment identification code to the second terminal based on the second payment identification code acquisition request includes: The second server generates the second payment identification code based on the user level information of the second terminal and sends the second payment identification code to the second terminal; Accordingly, the method further includes: The first server determines a first data transfer amount of the first terminal based on the first payment identification code; The second server determines a second data transfer amount of the second terminal based on the second payment identification code.

7. A data transfer method, characterized in that: The method comprises: Sending a second payment identification code acquisition request to the second server; receiving the second payment identification code sent by the second server based on the second payment identification code acquisition request; receiving a first data transfer request sent by a first terminal, the first data transfer request carrying first payment identification information, the first payment identification information consisting of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by a first server to the first terminal based on a first payment identification code acquisition request; the first payment identification code acquisition request is sent by the first terminal to the first server; Based on the first data transfer request, a second data transfer request is sent to the UnionPay server, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information consists of the bank code of the local terminal and the second payment identification code; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is the data transfer-in party, and the second terminal is the data transfer-out party; if the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is the data transfer-out party, and the second terminal is the data transfer-in party.

8. A data transfer method, characterized in that: The method comprises: Sending a first payment identification code acquisition request to the first server; Receiving the first payment identification code sent by the first server based on the first payment identification code acquisition request; Sending a first data transfer request to a second terminal, the first data transfer request carrying first payment identification information; so that the second terminal sends a second data transfer request to a UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee based on the second data transfer request; the first payment identification information is composed of the bank code of the first terminal and the first payment identification code, the second payment identification information is composed of the bank code and the second payment identification code of the second terminal, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request, and the second payment identification code acquisition request is sent by the second terminal to the second server; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is the data transfer-in party, and the second terminal is the data transfer-out party; if the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is the data transfer-out party, and the second terminal is the data transfer-in party.

9. A data transfer system, characterized in that: The system includes a first terminal, a first server, a second terminal, a second server and a UnionPay server; The first terminal is used to send a first payment identification code acquisition request to the first server; and send a first data transfer request to the second terminal, the first data transfer request carries first payment identification information, and the first payment identification information consists of a bank code of the first terminal and the first payment identification code; The first server is configured to send the first payment identification code to the first terminal based on the first payment identification code acquisition request; The second terminal is used to send a second payment identification code acquisition request to the second server; and based on the first data transfer request, send a second data transfer request to the UnionPay server, the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the second terminal and the second payment identification code; The second server is configured to send the second payment identification code to the second terminal based on the second payment identification code acquisition request; The UnionPay server is configured to transfer, based on the second data transfer request, the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferor; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is a data transfer-in party, and the second terminal is a data transfer-out party; If the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is a data transfer-out party, and the second terminal is a data transfer-in party.

10. A data transfer terminal, characterized in that: The terminal comprises: A second payment identification code acquisition request sending module, used to send a second payment identification code acquisition request to the second server; A second payment identification code receiving module, configured to receive the second payment identification code sent by the second server based on the second payment identification code acquisition request; a first data transfer request receiving module, configured to receive a first data transfer request sent by a first terminal, wherein the first data transfer request carries first payment identification information, and the first payment identification information is composed of a bank code and a first payment identification code of the first terminal; the first payment identification code is sent by the first server to the first terminal based on a first payment identification code acquisition request; and the first payment identification code acquisition request is sent by the first terminal to the first server; A data transfer information sending module, configured to send a second data transfer request to a UnionPay server based on the first data transfer request, so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account containing the payment identification information corresponding to the data transferee to the account containing the payment identification information corresponding to the data transferee based on the second data transfer request; the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification information is composed of the bank code of the local terminal and the second payment identification code; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is the data transfer-in party, and the second terminal is the data transfer-out party; if the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is the data transfer-out party, and the second terminal is the data transfer-in party.

11. A data transfer terminal, characterized in that: The terminal comprises: A first payment identification code acquisition request sending module, used to send a first payment identification code acquisition request to the first server; A first payment identification code receiving module, configured to receive the first payment identification code sent by the first server based on the first payment identification code acquisition request; A first data transfer request sending module, used for sending a first data transfer request to a second terminal, wherein the first data transfer request carries first payment identification information; so that the second terminal sends a second data transfer request to a UnionPay server based on the first data transfer request; so that the UnionPay server transfers the data transfer value corresponding to the second data transfer request from the account where the payment identification information corresponding to the data transferee is located to the account where the payment identification information corresponding to the data transferee is located based on the second data transfer request; the first payment identification information is composed of the bank code of the first terminal and the first payment identification code, the second payment identification information is composed of the bank code and the second payment identification code of the second terminal, and the second data transfer request carries the first payment identification information and the second payment identification information; the second payment identification code is sent by the second server to the second terminal based on the second payment identification code acquisition request, and the second payment identification code acquisition request is sent by the second terminal to the second server; If the first data transfer request is a first data transfer-in request, the second data transfer request is a data transfer-out request, the first terminal is the data transfer-in party, and the second terminal is the data transfer-out party; if the first data transfer request is a first data transfer-out request, the second data transfer request is a data transfer-in request, the first terminal is the data transfer-out party, and the second terminal is the data transfer-in party.

12. A data transfer server, characterized in that: The server includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method according to any one of claims 1 to 8.

13. A data transfer terminal, characterized in that: The terminal includes a processor and a memory, wherein the memory stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method according to any one of claims 1 to 8.

14. A computer-readable storage medium, characterized in that: The storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by the processor to implement the data transfer method as described in any one of claims 1-6, claim 7 or claim 8.

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