Transfer processing method, intelligent device and transfer system

Abstract

The present invention provides a transfer processing method, a smart device and a transfer system, the method comprising obtaining first tag information of a first smart card through an NFC module, the first tag information comprising first login interface information, first dynamic verification code information, first bank account information, identity information and first transfer information; opening a login interface according to the first login interface information, obtaining the user's login information, and sending the first dynamic verification code information to a server; after receiving the verification pass information of the server, determining whether the first bank account information is consistent with the bank card number bound to the login information, if not consistent, jumping to the transfer interface according to the first transfer information, adding the first bank account information and the first identity information in the first tag information to the transfer interface; obtaining the transfer amount, and completing the transfer operation. The present invention reduces the time for users to find applications or input URLs, and reduces the probability of errors by users.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a transfer processing method, an intelligent device and a transfer system. Background Art

[0002] With the continuous development of the Internet, more and more users choose to enter the bank website or bank application on their mobile phones to transfer money. Transferring money through mobile phones allows users to complete the transfer operation anytime and anywhere without going to the bank, saving time and energy. However, since mobile online banking transfers require users to enter the bank website or find the bank application or mobile wallet application on the mobile phone, manually bind the bank card, find the transfer interface, and then manually fill in the bank account, name, bank account and other information of the transfer, the user needs to manually operate too many steps, the transfer steps are cumbersome, and users are prone to enter the wrong website or fill in the wrong bank account number, etc., and it takes users a lot of time.

[0003] An existing method for processing mobile banking transfers is to edit the account information into a two-dimensional barcode and print it on the outer surface of the bank card. When transferring money via mobile phone, the two-dimensional barcode on the outer surface of the bank card to be read is identified; the account information of the bank card is obtained according to the two-dimensional barcode; the account information is read and directly added to the transfer payment interface. The existing transfer method still requires opening the bank website or bank application first, opening the transfer payment interface after logging in, and then scanning the QR code to transfer money. The user still needs to manually enter the bank website or search the bank application. After logging in, the transfer interface needs to be checked. The user still needs to manually operate many steps, the transfer steps are cumbersome, and the user is prone to errors, which takes a lot of time. Summary of the invention

[0004] The first object of the present invention is to provide a transfer processing method that reduces user operation steps.

[0005] The second object of the present invention is to provide an intelligent device applying the above transfer processing method.

[0006] A third object of the present invention is to provide a transfer system comprising the above-mentioned smart device.

[0007] To achieve the first purpose of the present invention, the transfer method provided by the present invention is applied to a smart device, the method comprising the following steps: the smart device obtains first tag information of a first smart card through an NFC module, the first tag information comprising first login interface information, first dynamic verification code information, first bank account information, first identity information and first transfer information; the smart device opens a login interface according to the first login interface information, obtains the user's login information, and sends the first dynamic verification code information to a server; after the smart device receives the verification pass information from the server, it determines whether the first bank account information is consistent with the bank card number bound to the login information; if the first bank account information is inconsistent with the bank card number bound to the login information, the smart device checks the first bank account information against the bank card number bound to the login information, and checks the first bank account information against the bank card number bound to the login information. Jump to the transfer interface according to the first transfer information, add the first bank account information and the first identity information in the first label information to the transfer interface; obtain the transfer amount and complete the transfer operation; if the first bank account information is consistent with the bank card number bound to the login information, return to the main interface; receive the second label information of the second smart card, and determine whether the second opening bank information in the second label information is the same as the opening bank of the login information; if the opening bank in the second label information is different from the opening bank of the login information, jump to the inter-bank transfer interface, and fill in the second bank account information, the second identity information and the second opening bank information in the second label information into the inter-bank transfer interface, obtain the user's transfer amount, and complete the transfer operation.

[0008] As can be seen from the above scheme, the present invention sets tag information through the bank card. When the user transfers money, the tag information of the bank card is obtained through the NFC module of the smart device. Since the bank login interface information, i.e., the bank website, the bank application package name or the smart device wallet package name, is recorded in the tag information, the corresponding bank website, bank application or smart device wallet login interface is opened through the bank login interface information, and then the user can enter the login information to complete the login. After completing the login, the bank card is verified by the dynamic verification code in the tag information. After the verification is completed, the bank account information in the tag information is compared with the bound bank card number information, and then the transfer page is entered according to the transfer information to transfer money, and the information in the tag information is automatically filled in the transfer interface, and the user fills in the transfer amount to complete the transfer. Among them, the user does not need to click on the transfer interface. When operating, the user only needs to put the bank card close to the mobile phone once to complete the login and enter the transfer amount, which reduces the time for the user to find the application or enter the website, and reduces the time for the user to query the transfer interface on the main interface, reducing the probability of user errors. After obtaining the first tag information of the first smart card, the smart device of the present invention automatically opens the login interface, automatically completes the verification of the first smart card, automatically determines whether the card binding or transfer operation is required according to the first bank card number information of the first tag information, and then automatically jumps to the transfer interface, and then automatically completes the filling operation of the bank account information and identity information, thereby reducing user operations and reducing the probability of user errors. That is, the smart terminal does not only jump to the corresponding interface after reading the tag information of the smart card. After jumping to the login interface, the smart terminal needs to judge the bank card number information of the tag information before jumping to the transfer interface according to the read tag information, thereby avoiding the transfer operation to the logged-in smart card, ensuring that the transfer can be successful, and there is no need to fill in the information on the transfer interface and then verify it on the server background before judging that the account is the same, thereby causing the transfer to fail. The judgment process is to judge whether it is necessary to open the transfer interface to avoid the user transferring to the logged-in account, thereby causing the transfer to fail, and reduce the time for the user to confirm whether the information is correct on the transfer interface, and reduce the judgment time of the server.

[0009] When the first bank account information is consistent with the bank card number bound to the login information, it proves that the account of the smart card has been logged in at this time, and there is no need to transfer money to the smart card. Therefore, when the account of the first smart card read by the login, inter-bank transfer can be performed at this time, that is, reading the smart card of another bank, that is, reading the second tag information of the second smart card, and the inter-bank transfer operation can be completed. That is, when performing inter-bank transfer, the user only needs to put the two bank cards close to the mobile phone in turn, once for login and once for transfer, and then enter the transfer amount to complete the transfer, reducing the time for users to find applications or enter URLs, and reducing the time for users to query the inter-bank transfer interface on the main interface, avoiding errors in users selecting the same bank transfer interface or the inter-bank transfer interface, and reducing the probability of user errors. Secondly, by confirming whether the opening bank is the same, avoid jumping to the same bank transfer interface and reduce the error rate of jumps.

[0010] In a further solution, the first label information also includes the first opening bank information; before jumping to the transfer interface according to the first transfer information, it is also executed: judging whether the first opening bank information is the same as the opening bank of the bank card number bound to the login information; if they are the same, jumping to the transfer interface according to the first transfer information.

[0011] It can be seen from this that confirming that the opening bank is the same can avoid jumping to the inter-bank transfer interface and reduce the error rate of the jump.

[0012] In a further solution, before jumping to the transfer interface according to the first transfer information, the following is further performed: then further confirming whether the user's card binding information is received, if the user's card binding information is not received, jumping to the transfer interface according to the first transfer information.

[0013] In a further solution, if the user's card binding information is received, the program jumps to the card binding interface, fills in the first bank account information and the first identity information in the first label information in the card binding interface, and performs the card binding operation.

[0014] It can be seen from this that if the bank card is one that the user needs to bind, before determining whether to receive the user's card binding information, a pop-up window will pop up on the screen of the smart device for the user to choose whether to bind the card. If the user chooses to bind the card, the smart device will receive the user's card binding information and jump to the card binding interface to bind the bank card, thereby realizing the jump to different interfaces. The user does not need to query the card binding interface or transfer interface from the application according to his or her needs, and then manually click on the card binding interface or transfer interface to jump to the corresponding card binding interface or transfer interface, thereby reducing user operations and reducing the probability of user errors.

[0015] In a further solution, the first dynamic verification code information is obtained by encrypting a first count value of a first counter with a first preset key.

[0016] It can be seen that every time the tag information of the smart card is read once, the count value of the counter is increased by one, and the dynamic verification code is updated immediately.

[0017] In a further embodiment, the first login interface information is one of a bank website, a bank application package name, or a smart device wallet package name.

[0018] It can be seen from this that selecting a bank account to log in according to user needs makes it easier to automatically open a website or application.

[0019] In order to achieve the second purpose of the present invention, the present invention provides a smart device, which includes a processor and a memory. The memory stores a computer program, and when the computer program is executed by the processor, the above-mentioned transfer processing method is implemented.

[0020] In order to achieve the third purpose of the present invention, the transfer system provided by the present invention includes multiple smart cards and a server, and also includes the above-mentioned smart device, the multiple smart cards communicate with the smart device through the NFC module, and the server communicates with the smart device through the wireless module.

[0021] In a further solution, after the tag information of the smart card is read, the count value of the counter is increased by one to obtain the latest count value; the smart card uses a preset key to encrypt the latest count value to obtain the latest dynamic verification code information.

[0022] It can be seen that to complete the transfer through the transfer system, the user only needs to place the bank card close to the mobile phone, complete the login, and enter the transfer amount, which reduces the time the user spends searching for the application and reduces the probability of user errors. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 It is a system block diagram of an embodiment of a transfer system of the present invention.

[0024] Figure 2 It is a flow chart of an embodiment of the transfer processing method of the present invention.

[0025] Figure 3 It is a flow chart of the inter-bank transfer operation of the transfer processing method embodiment of the present invention.

[0026] The present invention is further described below in conjunction with the accompanying drawings and embodiments. DETAILED DESCRIPTION

[0027] The present invention writes tag information into the smart card, and the tag information includes bank login interface information, dynamic verification code information, bank account information, identity information and transfer information. The smart device opens the bank login interface information through the tag information, and after completing the verification of the smart card, the bank account information in the tag information is compared with the bound bank card number information, and it is determined whether the user needs to bind the card. If not, the transfer page is entered according to the transfer information to transfer money, and the information in the tag information is automatically filled in the transfer interface, and the user fills in the transfer amount to complete the transfer. The user only needs to bring the smart card close to the smart device, fill in the login information and the amount, and reduce the time spent by the user on the transfer.

[0028] Transfer system implementation example:

[0029] See also Figure 1 The transfer system of the present invention includes multiple smart cards 11, smart devices 12 and servers 13, wherein the smart device 12 can be a mobile phone. The smart device 12 reads the tag information of the smart card 11 through the NFC module to complete the transfer operation, and the smart device 12 communicates with the server 13 through the wireless module to verify the smart card 11. Each smart card contains a tag information, and the tag information of the smart card 11 is in NDEF format. The tag information of the smart card 11 includes bank login interface information, dynamic verification code information, bank account information, identity information, transfer information and account opening bank information.

[0030] Transfer processing method embodiment:

[0031] See also Figure 2 When the user needs to transfer money, the first smart card is placed close to the NFC module of the smart device, and the smart device executes step S11 to obtain the first tag information of the first smart card through the NFC module, wherein the first tag information includes the first login interface information, the first dynamic verification code information, the first bank account information, the first identity information, the first transfer information and the first opening bank information. When the time for the smart device to cache the first tag information of the first smart card exceeds the preset time, or when the bank website or mobile banking application or mobile wallet application completes reading the tag information cached by the mobile phone, the smart device clears the cached first tag information to ensure that the first smart card information is not leaked.

[0032] After the smart device obtains the first tag information of the first smart card, step S12 is executed to open the login interface according to the first login interface information, obtain the user's login information, and send the first dynamic verification code information to the server. The first login interface information is one of a bank website, a bank application package name, or a smart device wallet package name. Different login interface methods are selected according to different user habits. The smart device automatically opens the login interface by reading the first login interface information, so that the user does not need to search for an application or enter a URL, which prevents the user from opening the wrong application or entering the wrong URL when there are multiple bank applications, saving the user's time and reducing the probability of user errors.

[0033] Obtaining user login information means that the user manually fills in the login account and password. The login account can be an account registered for mobile banking, that is, the login account can be a mobile phone number or ID card number.

[0034] The first dynamic verification code information is obtained by encrypting the first count value of the first counter by the first smart card using a preset key. The dynamic verification code information in the tag information of each smart card is obtained by encrypting the count value of the counter by the smart card using a preset key. Whenever the tag information of the smart card is read, the count value of the counter is increased by one to obtain the latest count value; the smart card encrypts the latest count value using the preset key to obtain the latest dynamic verification code information. That is, each time the smart device reads the smart card information, its dynamic verification code is different.

[0035] After receiving the first dynamic verification code information, the server uses the pre-stored preset key to decrypt the first dynamic verification code information, obtains the decrypted count value, and determines whether the decrypted count value is consistent with the stored count value. If so, the server sends the verification pass information to the smart device. After determining whether the decrypted count value is consistent with the stored count value, the server adds one to the stored count value, updates the count value, and keeps it consistent with the first count value of the counter inside the first smart card. If the decrypted count value is inconsistent with the stored count value, a verification failure message is sent to the smart device. After receiving the verification failure message, the smart device returns to the main interface and ends the transfer operation. By automatically obtaining the dynamic verification code information in the tag information of the smart card, the verification of the smart card is completed, which increases the security of the mobile phone reading NFC data.

[0036] After the server sends the verification pass information to the smart device, the smart device executes step S13 to receive the verification pass information from the server. After the smart device receives the verification pass information from the server, it executes step S14 to determine whether the bank account information of the smart card is consistent with the bank card number information bound to the login information. Currently, since only the information of the first smart card is received, it is determined whether the first bank account information of the first tag information of the first smart card is consistent with the bank card number information bound to the login information. By determining whether the bank account information of the smart card is consistent with the bank card number information bound to the login information, it is determined whether the read first smart card information requires a transfer operation or a card binding operation, thereby preventing the bank card number bound to the login from performing a transfer or card binding operation to a bank card number that is consistent with its own bank card number, thereby causing a transfer failure or a card binding failure.

[0037] If it is determined that the bank account information is inconsistent with the bank card number information bound to the login information, the smart device executes step S15 to determine whether the user's card binding information has been received. If the bank card is a card that the user needs to bind, before determining whether the user's card binding information has been received, a pop-up window will pop up on the screen for the user to choose whether to bind the card. If the user chooses to bind the card, the card binding operation on the screen will be clicked. At this time, the smart device receives the user's card binding information, so step 16 is executed to jump to the card binding interface, fill in the bank account information and identity information on the card binding interface, receive the user's confirmation information, and perform the card binding operation. Among them, receiving the user's confirmation information means that the user presses the confirmation key after checking that the information automatically filled in by the smart device is correct. When performing the card binding operation, the smart device communicates with the server and binds the card after verifying the user's identity information. By automatically jumping to the card binding interface, the user's manual click on the card binding interface is reduced, and at the same time, the probability of the user clicking the wrong button is reduced.

[0038] If the user does not need to bind the card, the smart device determines whether the user's transfer information is received at this time, that is, the smart device sends a pop-up window to the screen of the smart device asking whether the transfer is needed, and the user chooses whether the transfer is needed. If the user needs to transfer, step S18 is executed, and the transfer interface is jumped to according to the transfer information, and the bank account information and identity information in the tag information of the smart card are added to the transfer interface. The smart device automatically jumps to the transfer interface. At this time, the user does not need to click on the transfer interface on the application to transfer, which reduces the user's operation of looking for the transfer interface and reduces the time of transfer. Currently, since only the information of the first smart card is received, the transfer interface is jumped to according to the first transfer information of the first smart card, and the bank account information and identity information in the first tag information of the first smart card are added to the transfer interface. The transfer information is the transfer information in the tag information, and the transfer information is the transfer identifier. The transfer information is the information marking the smart card as a transfer card, indicating that the smart card can perform a transfer operation or can receive a transfer operation. The first transfer information includes information marking the first smart card as a transfer card, and the first transfer information indicates that the first smart card can perform a transfer operation or can receive a transfer operation. The transfer interface is a peer transfer interface. Since the login method of bank cards of the same bank is the same, it is not necessary to first read the website of the smart card for transfer to log in and then read the information of the smart card for receiving the transfer. The label information of the smart card for receiving the transfer can be directly read, which is convenient for users to transfer money.

[0039] However, since the account opening banks are different, their transfer interfaces are also different. Therefore, before the smart device jumps to the transfer interface according to the transfer information, it needs to determine whether the first account opening bank information in the first tag information is the same as the account opening bank of the bank card number bound to the login information. Only when the first account opening bank information in the first tag information is the same as the account opening bank of the bank card number bound to the login information, will it jump to the transfer interface according to the first transfer information.

[0040] After the smart device adds the bank account information and identity information in the tag information to the transfer interface, step S19 is executed to obtain the transfer amount and complete the transfer operation. The transfer amount is filled in by the user. After filling in, the user can check the information automatically filled in by the smart device and then confirm the transfer. The smart device interacts with the server based on the transfer amount and the automatically filled in information, and completes the transfer after authenticating the user.

[0041] See also Figure 2 and Figure 3In step S14, if the first bank account information is consistent with the bank card number information bound to the login information, it proves that the smart card is the logged-in bank card, and the same bank card does not need to transfer money, so the smart device executes step S17 and returns to the main interface. At this time, if inter-bank transfer is required, the smart device executes step S21 to receive the second tag information of the second smart card. The second tag information includes the second login interface information, the second dynamic verification code information, the second bank account information, the second identity information and the second transfer information.

[0042] After receiving the second tag information of the second smart card, the smart device sends the second dynamic verification code information to the server for verification. The verification process refers to the verification process of the first dynamic verification code of the first smart card. After receiving the server verification pass information, step S22 is executed to determine whether the second account opening bank information in the second tag information is the same as the account opening bank of the login information. At this time, since an inter-bank transfer operation is performed, it is necessary to determine the account opening bank to avoid the smart card of the same account opening bank from performing an inter-bank transfer operation.

[0043] If the second bank account information in the second tag information is different from the bank account information in the login information, step S23 is executed to jump to the inter-bank transfer interface according to the second transfer information, fill in the second bank account information, the second identity information and the second bank account information in the second tag information into the inter-bank transfer interface, and then obtain the user transfer amount to complete the transfer operation. Before completing the transfer operation, the user identity information needs to be obtained for verification to ensure the security of the transfer.

[0044] If the second bank account information in the second tag information is the same as the bank account information of the login information, step S14 is executed to determine whether the bank account information of the smart card is consistent with the bank card number information bound to the login information. At this time, since an inter-bank transfer operation is performed, if the bank accounts are the same, the inter-bank transfer operation cannot be performed at this time, and it is necessary to return to step S14 to determine whether the second bank account is consistent with the bank account bound to the login information to complete the inter-bank transfer operation.

[0045] When executing the transfer processing method of this embodiment, the bank website or bank application or wallet application is quickly opened through the smart device, each interface automatically jumps, and the bank card information is automatically filled in, with a low error rate and time saving. The user only needs to hold the bank card close to the mobile phone to complete the login and enter the transfer amount, which reduces the time for the user to find the application or enter the website, and reduces the probability of the user making mistakes. The smart device only needs to read the tag information of the smart card once or twice to complete the step of automatically jumping to the transfer interface, saving the time of reading the tag information.

[0046] This method is also applicable to the activation process before the first use of the smart card.

[0047] Smart device implementation:

[0048] The smart device of this embodiment includes a processor and a memory. The memory stores a computer program. When the processor executes the computer program, the above-mentioned transfer processing method embodiment is implemented.

[0049] The computer device may include but is not limited to a processor and a memory. Those skilled in the art will appreciate that the computer device may include more or fewer components, or a combination of certain components, or different components, for example, the computer device may also include input and output devices, network access devices, buses, etc.

[0050] The above are only preferred embodiments of the present invention, but the design concept of the invention is not limited thereto. Without departing from the concept of the present invention, more other equivalent embodiments may be included. It is obvious to those skilled in the art that various changes, readjustments and substitutions can be made without departing from the protection scope of the present invention.

Claims

1. A transfer processing method, applied to a smart device, characterized in that: The method includes: The smart device obtains first tag information of the first smart card through the NFC module, where the first tag information includes first login interface information, first dynamic verification code information, first bank account information, first identity information and first transfer information; The smart device automatically opens the login interface according to the first login interface information, obtains the user's login information, and sends the first dynamic verification code information to the server; After receiving the verification pass information from the server, the smart device determines whether the first bank account information is consistent with the bank card number bound to the login information. If the first bank account information is inconsistent with the bank card number bound to the login information, the first smart device jumps to the same-bank transfer interface according to the first transfer information, and adds the first bank account information and the first identity information in the first tag information to the same-bank transfer interface, wherein the first transfer information includes information marking the first smart card as a transfer card; Get the transfer amount and complete the transfer operation; If the first bank account information is consistent with the bank card number bound to the login information, return to the main interface; receiving second tag information of a second smart card, and determining whether the second bank account information in the second tag information is the same as the bank account information of the bank card number bound to the login information; If the second bank account information in the second tag information is different from the bank account information of the bank card number bound to the login information, jump to the inter-bank transfer interface, and fill in the second bank account information, second identity information and second bank account information in the second tag information into the inter-bank transfer interface, obtain the user transfer amount, and complete the transfer operation; If the second bank account information in the second tag information is the same as the bank account of the bank card number bound to the login information, a step of determining whether the second bank account information is consistent with the bank account bound to the login information is performed.

2. The transfer processing method according to claim 1, characterized in that: The first tag information also includes first account opening bank information; Before jumping to the same-bank transfer interface according to the first transfer information, the following is further performed: Determine whether the first bank information is the same as the bank of the bank card number bound to the login information. If they are the same, jump to the same-bank transfer interface according to the first transfer information.

3. The transfer processing method according to claim 1, characterized in that: Before jumping to the same-bank transfer interface according to the first transfer information, the following is further performed: Further confirm whether the user's card binding information is received. If the user's card binding information is not received, jump to the same-bank transfer interface according to the first transfer information.

4. The method for processing transfer according to claim 3, characterized in that: If the user's card binding information is received, the user is redirected to the card binding interface, and the first bank account information and the first identity information in the first tag information are filled in the card binding interface to perform the card binding operation.

5. The method for processing transfer according to claim 1 or 2, characterized in that: The first dynamic verification code information is obtained by encrypting the first count value of the first counter with a first preset key.

6. The method for processing transfer according to claim 1 or 2, characterized in that: The first login interface information is one of a bank website, a bank application package name, or a smart device wallet package name.

7. An intelligent device, comprising a processor and a memory, wherein the memory stores a computer program, characterized in that: When the computer program is executed by the processor, the transfer processing method according to any one of claims 1 to 6 is implemented.

8. A money transfer system, comprising a plurality of smart cards and a server, characterized in that: It also includes the smart device as claimed in claim 7, wherein the plurality of smart cards communicate with the smart device via an NFC module, and the server communicates with the smart device via a wireless module.

9. The transfer system according to claim 8, characterized in that: After the tag information of the smart card is read, the count value of the counter is increased by one to obtain the latest count value; The smart card encrypts the latest count value using a preset key to obtain the latest dynamic verification code information.

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