CN112581284A - Method, system, computer device and storage medium for processing resource transfer data - Google Patents

Method, system, computer device and storage medium for processing resource transfer data Download PDF

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CN112581284A
CN112581284A CN202011585291.7A CN202011585291A CN112581284A CN 112581284 A CN112581284 A CN 112581284A CN 202011585291 A CN202011585291 A CN 202011585291A CN 112581284 A CN112581284 A CN 112581284A
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platform
resource
user
request
transfer data
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CN112581284B (en
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朱大卫
柳彤
邓周
黄顺
李思之
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Shenzhen Haifu Yitong Technology Co ltd
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Shenzhen Haifu Yitong Technology Co ltd
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

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Abstract

The application relates to a method, a system, a computer device and a storage medium for processing resource transfer data. The method comprises the following steps: the first platform sends the resource transfer data of the first user to the second platform; the second platform sends the resource transfer data of the first user to a third platform; the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user; the first platform is used for providing a platform for converting a second resource into a first resource for the first user, the first resource is sourced from a second user, and the second platform and the third platform have different attributes. The method and the device can reduce links during resource transfer, improve efficiency and reduce risks.

Description

Method, system, computer device and storage medium for processing resource transfer data
Technical Field
The present application relates to the field of data processing, and in particular, to a method, system, computer device, and storage medium for transferring data.
Background
With the development of the internet, internet commerce increasingly occupies the mainstream of commerce. The internet commerce refers to the fact that an internet platform provides a showing and transaction channel for a merchant, and a user and the merchant conduct transaction through the internet platform.
In internet commerce, including the flow of funds and the flow of goods, the flow of goods generally refers to the process of arriving at the user from the merchant through a logistics service, and the flow of funds generally refers to the process of arriving at the merchant from the user.
Although the fund flow flows from the consumer to the merchant, it also flows through multiple entities from the consumer to the merchant. To ensure the security of the fund flow, the common management and control of the consumer to the merchant and a plurality of entities are required, and in the prior art, the number of entities is too many, intermediate links are more, the efficiency is low, and the risk is high between the consumer and the merchant.
Disclosure of Invention
In order to solve the technical problems or at least partially solve the technical problems, the application provides a method, a system, a computer device and a storage medium for processing resource transfer data, which can improve efficiency and reduce risks.
In a first aspect, the present application provides a method for processing resource transfer data, where the method includes:
the first platform sends the resource transfer data of the first user to the second platform;
the second platform sends the resource transfer data of the first user to a third platform;
the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform and the third platform have different properties.
In this embodiment of the present application, the resource transfer data of the first user includes: qualification review information of the first user;
before the third platform transfers the request resource to the first user according to the resource transfer data of the first user, the method further comprises:
the third platform carries out qualification examination on the first user according to the qualification examination information of the first user;
and if the qualification examination of the first user passes, the third platform allows execution of resource transfer data according to the first user and transfers the request resource to the first user.
In this embodiment of the present application, the resource transfer data of the first user includes: transferring the quantity, wherein the quantity of the request resource is the transferring quantity;
the first platform sends the resource transfer data of the first user to the second platform, and the method comprises the following steps:
the first platform transfers the request resource to the second platform according to the transfer quantity;
the second platform sends the resource transfer data of the first user to a third platform, and the method comprises the following steps:
the second platform transfers the request resource to the third platform according to the transfer quantity;
the third platform transfers the request resource to the first user according to the resource transfer data of the first user, and comprises the following steps:
and the third platform transfers the request resource to the first user according to the transfer quantity.
In this embodiment, the transferring, by the first platform, the request resource to the second platform according to the transfer number includes:
the first platform receives a transfer request sent by a first user, wherein the transfer request comprises the transfer quantity;
the first platform detecting an amount of a first current first resource of the first user within an account on the first platform;
and if the quantity of the first current first resources is more than or equal to the transfer quantity, the first platform transfers the request resources to the second platform.
In this embodiment, the transferring, by the second platform, the request resource to the third platform according to the transfer number includes:
the second platform detecting an amount of a second current first resource of the first platform within an account on the second platform,
if the number of the second current first resources is larger than or equal to the transfer number, the second platform transfers the second current first resources to the third platform, wherein the second current first resources are equal to the request resources; or
The second platform receives a first resource to be confirmed transferred by the first platform,
and if the quantity of the first to-be-confirmed first resources is larger than or equal to the transfer quantity, the second platform transfers the request resources to the third platform.
In this embodiment of the present application, the transferring, by the third platform, the request resource to the first user according to the transfer number includes:
the third platform detects a third current amount of the first resource within an account of the first platform on the third platform,
if the number of the third current first resources is larger than or equal to the transfer number, the third platform transfers the request resources to the first user; or
The second platform receives a second first resource to be confirmed transferred by the second platform,
and if the quantity of the second to-be-confirmed first resources is larger than or equal to the transfer quantity, the third platform transfers the request resources to the first user.
In this embodiment of the present application, the resource transfer data of the first user further includes: mode conversion data;
the transferring the request resource to the first user includes:
and transferring the request resource to the first user after mode conversion is carried out on the request resource according to the mode conversion data.
In a second aspect, a system for processing resource transfer data is provided, the system comprising:
the first platform is used for sending the resource transfer data of the first user to the second platform;
the second platform is used for sending the resource transfer data of the first user to a third platform;
according to the third platform, a user transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform and the third platform have different properties.
In a third aspect, a computer device is provided, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor executing the steps of the above method when the computer program is executed.
In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, is adapted to carry out the above-mentioned method steps.
The application provides a method for processing resource transfer data, which comprises the following steps: the first platform sends the resource transfer data of the first user to the second platform; the second platform sends the resource transfer data of the first user to a third platform; the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user; the first platform is used for providing a platform for converting a second resource into a first resource for the first user, the first resource is sourced from a second user, and the second platform and the third platform have different attributes. The method and the device can reduce links during resource transfer, improve efficiency and reduce risks.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
FIG. 1 is a diagram of an application environment of a method for processing resource transfer data according to an embodiment of the present application;
FIG. 2 is a flowchart illustrating a method for processing resource transfer data according to an embodiment of the present application;
FIG. 3 is a block diagram of a system for processing resource transfer data according to an embodiment of the present application;
fig. 4 is an internal structural diagram of a computer device in the embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
FIG. 1 is a diagram of an application environment of a method for processing resource transfer data in one embodiment. Referring to fig. 1, the method for processing resource transfer data is applied to a system for processing resource transfer data. The processing system for resource transfer data includes a terminal 110 and a server 120. The terminal 110 and the server 120 are connected through a network. The terminal 110 may specifically be a desktop terminal or a mobile terminal, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The server 120 may be implemented as a stand-alone server or a server cluster composed of a plurality of servers. In the embodiment of the application, a plurality of servers can be included.
As shown in FIG. 2, in one embodiment, a method for processing resource transfer data is provided. The embodiment is mainly illustrated by applying the method to the terminal server 120 in fig. 1. Referring to fig. 2, the method for processing resource transfer data includes:
step 210, the first platform sends the resource transfer data of the first user to the second platform;
step 220, the second platform sends the resource transfer data of the first user to a third platform;
step 230, the third platform transfers a request resource to the first user according to the resource transfer data of the first user, where the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform and the third platform have different properties.
In the embodiments of the present application, different attributes may refer to different entities, or may refer to entities that are independent of each other, or may refer to geographically different entities, or may refer to entities that belong to different entities.
In the embodiment of the application, a first platform sends resource transfer data of a first user to a second platform; the second platform sends the resource transfer data of the first user to the third platform; and the third platform transfers the request resource to the first user according to the resource transfer data of the first user, wherein the request resource is the first resource requested by the first user. In the above embodiments of the present application, the resource request data of the first user is sent from the first platform to the third platform through the second platform, and is processed by the third platform, and the number of entities passing through is small, and the efficiency is high.
The method of the embodiment of the application is applied to internet commerce, particularly cross-border internet commerce, the first platform can be an internet shopping platform, the second platform can be an overseas financial institution, the third platform can be an domestic financial institution, and resource transfer can be fund transfer. The first resource may be funds and the second resource may be merchandise.
The internet shopping platform can provide a transaction platform for merchants and consumers, and the consumers buy commodities of the merchants from the shopping platform and pay funds to the merchants. The consumer pays the funds to the merchant through the shopping platform, and the shopping platform pays the funds to the merchant, especially to the cross-country commerce, in the prior art, the funds need to pass through foreign financial institutions and third parties in financial institutions and domestic financial institutions.
The foreign financial institution and the domestic financial institution belong to different countries, have different attributes and are independent of each other.
In the embodiment of the application, the shopping platform pays funds to the merchant, especially for cross-country commerce, in the prior art, the funds can be paid to the first user from the first platform only through the overseas financial institution and the domestic financial institution and between the overseas financial institution and the domestic financial institution without a third-party financial institution, namely, the funds only need to pass through the second platform and the third platform, so that the process of transferring the funds can be simplified, and the efficiency is improved. At the same time, the fewer economic entities/entities that pass through, the higher the reliability of the data and thus the lower the risk.
In this embodiment of the present application, the resource transfer data of the first user includes: qualification review information of the first user;
before the third platform transfers the request resource to the first user according to the resource transfer data of the first user, the method further comprises:
the third platform carries out qualification examination on the first user according to the qualification examination information of the first user;
and if the qualification examination of the first user passes, the third platform allows execution of resource transfer data according to the first user and transfers the request resource to the first user.
In the embodiment of the present application, the qualification examination may include multiple kinds, for example, a registration examination of the merchant, a fund posting examination of the merchant, or a fund withdrawal examination of the merchant. These qualification checks are performed at the third platform, i.e., at domestic financial institutions, because the first platform and the first platform are independent of each other, i.e., the financial institutions and the shopping platforms are independent of each other, the qualification checks are more reliable and independent.
In this embodiment of the present application, the resource transfer data of the first user includes: transferring the quantity, wherein the quantity of the request resource is the transferring quantity;
the first platform sends the resource transfer data of the first user to the second platform, and the method comprises the following steps:
the first platform transfers the request resource to the second platform according to the transfer quantity;
the second platform sends the resource transfer data of the first user to a third platform, and the method comprises the following steps:
the second platform transfers the request resource to the third platform according to the transfer quantity;
the third platform transfers the request resource to the first user according to the resource transfer data of the first user, and comprises the following steps:
and the third platform transfers the request resource to the first user according to the transfer quantity.
The method of the embodiment of the application is applied to internet commerce, and as described in the embodiment, the first user may be a merchant, the first platform may be a shopping platform, the second platform may be an overseas financial institution, the third platform may be an domestic financial institution, and the resource transfer may be a fund transfer.
The fund transaction between the merchant and the shopping platform can comprise fund posting and fund withdrawal. The consumer pays the merchant through the shopping platform, and the process of the fund from the shopping platform to the merchant becomes the fund posting.
Funds are only credited to the merchant's platform account on the shopping platform and if the merchant wants to use the funds, the funds must be cash out into a bank account. The process by which the merchant transfers funds from the platform account into the bank account is called cash withdrawal.
The resource transfer data of the first user may be data of a cash withdrawal of the merchant including an amount of funds, and the amount of resource requested by the merchant may be an amount that the merchant wants to cash withdrawal, for example, 10 ten thousand cash withdrawals.
In the embodiment of the application, after receiving a fund transfer request of a merchant, a shopping platform transfers the fund requested by the merchant to an overseas financial institution according to the cash withdrawal fund quantity requested by the merchant, the overseas financial institution transfers the fund to an domestic financial institution, and the domestic financial institution transfers the fund to a bank account of the merchant.
In the embodiment of the application, the resource transfer from the shopping platform to the overseas financial institution to the domestic financial institution may not be the actual transfer of funds, may be only the transfer of data in the account, and may also be the actual transfer of funds. In the above process, the domestic financial institution transfers the funds into the bank account of the merchant, actually from the domestic financial institution, the bank account of the domestic financial institution of the shopping platform, and the bank account of the financial institution of the merchant in the domestic financial institution.
In the above process, although it may be only the transfer of data within the account, it still corresponds to the transfer of funds.
In this embodiment, the transferring, by the first platform, the request resource to the second platform according to the transfer number includes:
the first platform receives a transfer request sent by a first user, wherein the transfer request comprises the transfer quantity;
the first platform detecting an amount of a first current first resource of the first user within an account on the first platform;
and if the quantity of the first current first resources is more than or equal to the transfer quantity, the first platform transfers the request resources to the second platform.
In the embodiment of the application, the resource transfer, namely the fund transfer, from the shopping platform to the overseas financial institutions and from the overseas financial institutions to the domestic financial institutions is all for the accounts of the shopping platform, and the shopping platform transfers funds from the platform to the accounts of the overseas financial institutions of the platform and from the accounts of the overseas financial institutions of the platform to the accounts of the domestic financial institutions of the platform. Resource transfer from the domestic financial institution to the merchant occurs between the account of the domestic financial institution and the account of the merchant at the domestic financial institution.
The method of the embodiment of the application is applied to internet commerce, after a shopping platform receives a transfer request of a merchant, the shopping platform firstly obtains the transfer amount, then whether the fund of the merchant in a platform account on the shopping platform is larger than the transfer amount is detected, if the fund of the merchant in the platform account is larger than the transfer amount, namely the merchant has enough fund in the platform account, the shopping platform transfers the fund and transfers the fund to an overseas financial institution.
In this embodiment, the transferring, by the second platform, the request resource to the third platform according to the transfer number includes:
the second platform detecting an amount of a second current first resource of the first platform within an account on the second platform,
if the number of the second current first resources is larger than or equal to the transfer number, transferring the second platform to the third platform, wherein the second platform is equal to the request resources; or
The second platform receives a first resource to be confirmed transferred by the first platform,
and if the quantity of the first to-be-confirmed first resources is larger than or equal to the transfer quantity, the second platform transfers the request resources to the third platform.
Similarly, when the overseas financial institution transfers funds, the overseas financial institution also verifies whether the current fund amount of the shopping platform in the account of the overseas financial institution is more than or equal to the fund amount to be transferred, and if the current fund amount is more than or equal to the fund amount to be transferred, the funds are transferred.
In an embodiment of the application, the overseas financial institution receives a fund transferred by the shopping platform, the fund can be the first resource to be confirmed transferred by the first platform, and if the fund is greater than or equal to the amount of the fund to be transferred, the fund transfer can also be carried out.
In this embodiment of the present application, the transferring, by the third platform, the request resource to the first user according to the transfer number includes:
the third platform detects a third current amount of the first resource within an account of the first platform on the third platform,
if the number of the third current first resources is larger than or equal to the transfer number, the third platform transfers the request resources to the first user; or
The second platform receives a second first resource to be confirmed transferred by the second platform,
and if the quantity of the second to-be-confirmed first resources is larger than or equal to the transfer quantity, the third platform transfers the request resources to the first user.
In the embodiment of the application, when the domestic financial institution transfers funds, whether the fund amount of the shopping platform in the account of the domestic financial institution is more than or equal to the fund amount needing transferring is verified.
In the embodiment of the application, the domestic financial institution receives a fund transferred by the overseas financial institution, the fund can be the second first resource to be confirmed transferred by the second platform, and if the fund is more than or equal to the amount of the fund to be transferred, the fund transfer can also be carried out.
In this embodiment of the present application, the resource transfer data of the first user further includes: mode conversion data;
the transferring the request resource to the first user includes:
and transferring the request resource to the first user after mode conversion is carried out on the request resource according to the mode conversion data.
When the method of the embodiment of the application is applied to internet commerce, since the capital units between the domestic financial institution and the overseas financial institution may be different, such as dollars, RMB, etc., the mode conversion may be required, and after the mode conversion, the mode conversion is transferred to the merchant.
The resource transfer data processing method can simplify the link of the resource transfer process, improve the efficiency and reduce the risk degree.
FIG. 2 is a flowchart illustrating a method for processing resource transfer data according to an embodiment. It should be understood that, although the steps in the flowchart of fig. 2 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in fig. 2 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
Fig. 3 is a resource transfer data processing system according to an embodiment of the present application, and as shown in fig. 4, the system includes:
a first platform 310, configured to send resource transfer data of a first user to a second platform 320;
the second platform 320 is configured to send the resource transfer data of the first user to a third platform 330;
in the third platform 340, a user transfers a request resource to a first user according to the resource transfer data of the first user, where the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform 320 and the third platform 330 are distinct in nature.
In this embodiment of the present application, the resource transfer data of the first user includes: qualification review information of the first user;
the third platform 330 is further configured to:
according to the resource transfer data of a first user, before the request resource is transferred to the first user, the qualification examination is carried out on the first user according to the qualification examination information of the first user;
and if the qualification examination of the first user passes, allowing the third platform to execute the resource transfer data of the first user and transfer the request resource to the first user.
In this embodiment of the present application, the resource transfer data of the first user includes: transferring the quantity, wherein the quantity of the request resource is the transferring quantity;
the first platform 310 is further configured to:
transferring the request resource to the second platform according to the transfer quantity;
the second platform will also be used 320 to:
transferring the request resource to the third platform according to the transfer quantity;
the third platform 330 is further configured to:
and transferring the request resource to the first user according to the transfer quantity.
In this embodiment, the first platform 310 is further configured to:
receiving a transfer request sent by a first user, wherein the transfer request comprises the transfer quantity;
detecting an amount of a first current first resource within an account of the first user on a first platform;
and if the quantity of the first current first resources is more than or equal to the transfer quantity, transferring the request resources to the second platform.
In this embodiment of the application, the second platform 320 is further configured to:
the second platform detecting an amount of a second current first resource of the first platform within an account on the second platform,
if the quantity of the second current first resources is larger than or equal to the transfer quantity, transferring the second current first resources to the third platform; or
Receiving a first to-be-confirmed first resource transferred by the first platform,
and if the quantity of the first to-be-confirmed first resources is larger than or equal to the transfer quantity, transferring the request resources to the third platform.
In this embodiment of the present application, the third platform 330 is further configured to:
detecting an amount of a third current first resource within an account of the first platform on a third platform,
if the number of the third current first resources is larger than or equal to the transfer number, transferring the request resources to the first user; or
Receiving a second to-be-acknowledged first resource transferred by the second platform,
and if the quantity of the second to-be-confirmed first resources is larger than or equal to the transfer quantity, transferring the request resources to the first user.
In this embodiment of the present application, the resource transfer data of the first user further includes: mode conversion data;
the third platform 330 is further configured to:
and transferring the request resource to the first user after mode conversion is carried out on the request resource according to the mode conversion data.
In this embodiment, the specific working modes of the first platform, the second platform, and the third platform, and the specific working mode of the system of this embodiment applied to the internet commerce center are described with reference to the above embodiments, and are not described herein again.
FIG. 4 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may be specifically the server 120 in fig. 1. As shown in fig. 4, the computer device includes a processor, a memory, a network interface, an input system, and a display screen connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement a method of processing resource transfer data. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a processing method that implements the resource transfer data. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input system of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 4 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: the first platform sends the resource transfer data of the first user to the second platform; the second platform sends the resource transfer data of the first user to a third platform; the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user; the first platform is used for providing a platform for converting a second resource into a first resource for the first user, the first resource is sourced from a second user, and the second platform and the third platform have different attributes.
In an embodiment, the processor executes the computer program to implement the steps of the above method, which are not described herein again.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: the first platform sends the resource transfer data of the first user to the second platform; the second platform sends the resource transfer data of the first user to a third platform; the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user; the first platform is used for providing a platform for converting a second resource into a first resource for the first user, the first resource is sourced from a second user, and the second platform and the third platform have different attributes.
In an embodiment, the computer program, when executed by the processor, further implements the steps of the above method, which are not described herein again.
In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the steps of: the first platform sends the resource transfer data of the first user to the second platform; the second platform sends the resource transfer data of the first user to a third platform; the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user; the first platform is used for providing a platform for converting a second resource into a first resource for the first user, the first resource is sourced from a second user, and the second platform and the third platform have different attributes.
In an embodiment, the computer program product or the computer program when executed further implements the steps of the above method, which are not described herein again.
According to an aspect of the application, a computer program product or computer program is provided, comprising computer instructions, the computer instructions being stored in a computer readable storage medium. A processor of the computer device reads the computer instructions from the computer-readable storage medium, the processor executing the computer instructions to cause the computer device to perform the steps of:
in an embodiment, the computer program product or the computer program when executed further implements the steps of the above method, which are not described herein again.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
It is noted that, in this document, relational terms such as "first" and "second," and the like, may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The above description is merely exemplary of the present application and is presented to enable those skilled in the art to understand and practice the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A method for processing resource transfer data, the method comprising:
the first platform sends the resource transfer data of the first user to the second platform;
the second platform sends the resource transfer data of the first user to a third platform;
the third platform transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform and the third platform have different properties.
2. The method of claim 1, wherein the resource transfer data of the first user comprises: qualification review information of the first user;
before the third platform transfers the request resource to the first user according to the resource transfer data of the first user, the method further comprises:
the third platform carries out qualification examination on the first user according to the qualification examination information of the first user;
and if the qualification examination of the first user passes, the third platform allows execution of resource transfer data according to the first user and transfers the request resource to the first user.
3. The method of claim 1, wherein the resource transfer data of the first user comprises: transferring the quantity, wherein the quantity of the request resource is the transferring quantity;
the first platform sends the resource transfer data of the first user to the second platform, and the method comprises the following steps:
the first platform transfers the request resource to the second platform according to the transfer quantity;
the second platform sends the resource transfer data of the first user to a third platform, and the method comprises the following steps:
the second platform transfers the request resource to the third platform according to the transfer quantity;
the third platform transfers the request resource to the first user according to the resource transfer data of the first user, and comprises the following steps:
and the third platform transfers the request resource to the first user according to the transfer quantity.
4. The method of claim 3, wherein the first platform transferring the requested resource to the second platform according to the transfer amount comprises:
the first platform receives a transfer request sent by a first user, wherein the transfer request comprises the transfer quantity;
the first platform detecting an amount of a first current first resource of the first user within an account on the first platform;
and if the quantity of the first current first resources is more than or equal to the transfer quantity, the first platform transfers the request resources to the second platform.
5. The method of claim 4, wherein the second platform transferring the requested resource to the third platform by a transfer number comprises:
the second platform detecting an amount of a second current first resource of the first platform within an account on the second platform,
if the number of the second current first resources is larger than or equal to the transfer number, the second platform transfers the second current first resources to the third platform, wherein the second current first resources are equal to the request resources; or
The second platform receives a first resource to be confirmed transferred by the first platform,
and if the quantity of the first to-be-confirmed first resources is larger than or equal to the transfer quantity, the second platform transfers the request resources to the third platform.
6. The method of claim 4, wherein the third platform transfers the requested resource to the first user according to a transfer number, comprising:
the third platform detects a third current amount of the first resource within an account of the first platform on the third platform,
if the number of the third current first resources is larger than or equal to the transfer number, the third platform transfers the request resources to the first user; or
The second platform receives a second first resource to be confirmed transferred by the second platform,
and if the quantity of the second to-be-confirmed first resources is larger than or equal to the transfer quantity, the third platform transfers the request resources to the first user.
7. The method of any of claims 1-6, wherein the resource transfer data of the first user further comprises: mode conversion data;
the transferring the request resource to the first user includes:
and transferring the request resource to the first user after mode conversion is carried out on the request resource according to the mode conversion data.
8. A system for processing resource transfer data, the system comprising:
the first platform is used for sending the resource transfer data of the first user to the second platform;
the second platform is used for sending the resource transfer data of the first user to a third platform;
according to the third platform, a user transfers a request resource to the first user according to the resource transfer data of the first user, wherein the request resource is a first resource requested by the first user;
wherein the first platform is configured to provide the first user with a platform for converting a second resource into a first resource, the first resource originating from a second user,
the second platform and the third platform have different properties.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the computer program is executed by the processor.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
CN202011585291.7A 2020-12-28 2020-12-28 Method, system, computer equipment and storage medium for processing resource transfer data Active CN112581284B (en)

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