CN108876497B

CN108876497B - Resource transfer method and device and third-party server

Info

Publication number: CN108876497B
Application number: CN201710328758.1A
Authority: CN
Inventors: 张帅; 杨健明; 刘涤宇; 温呈博; 王叶茂
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2017-05-11
Filing date: 2017-05-11
Publication date: 2022-03-29
Anticipated expiration: 2037-05-11
Also published as: CN108876497A

Abstract

The invention discloses a resource transfer method, a resource transfer device and a third-party server, and belongs to the technical field of the Internet. The method comprises the following steps: receiving a first processing request sent by a transaction server; when the first order database comprises the specified orders, determining a first specified resource quantity which is to be allocated to the account of the second user identification; the corresponding resource is transferred from the intermediate account of the transaction server to the account of the second user identification. According to the resource transfer method and the resource transfer system, the intermediate account is set, the resources transferred from the account of the first user identifier are stored in the intermediate account, when the first order database comprises the specified order, the resources which are to be allocated to the account of the second user identifier are transferred from the intermediate account to the account of the second user identifier, the resource transfer is not carried out according to any resource transfer request sent by the transaction server under the condition of no verification, the condition that the resources cannot be received by the account of the second user identifier due to the fact that the resources are transferred to other accounts is avoided, and safety is improved.

Description

Resource transfer method and device and third-party server

Technical Field

The invention relates to the technical field of internet, in particular to a resource transfer method, a resource transfer device and a third-party server.

Background

Electronic commerce is the realization of electronization, digitization and networking of the whole transaction process by using computer technology, network technology and remote communication technology. The electronic commerce system can carry out transaction anytime and anywhere, transfer the target object provided by the seller user to the buyer user, and transfer the resources of the buyer user to the seller user without limitation of time or space.

Taking a first user as a buyer user and a second user as a seller user as an example, the electronic commerce system comprises a transaction server and a third-party server, wherein the third-party server acquires a first account corresponding to a first user identifier, a second account corresponding to a second user identifier and a balance account of the transaction server.

When a first user needs to purchase a target object of a second user, an acquisition request for the target object is triggered, a trading server generates an order according to the acquisition request, the order comprises target object information, a first user identification for requesting to acquire the target object, a second user identification for providing the target object and the quantity of resources which need to be transferred from the first user identification to the second user identification, and the trading server sends an order receiving request carrying the order to a third-party server. And the third-party server receives the order when receiving the order receiving request, and transfers the resources corresponding to the resource quantity from the first account to the payment account based on the received order. And then, after the transaction server confirms that the second user transfers the target object to the first user, sending a processing request to the third-party server, wherein the processing request carries the order, and then the third-party server transfers the resources corresponding to the resource quantity from the balance account to the second account.

In the process of implementing the invention, the inventor finds that the technology at least has the following defects: the balance account belongs to the transaction server, and the third-party server transfers the resource from the balance account according to the processing request sent by the transaction server, so that after the resource is transferred to the balance account in the transaction process, if the transaction server sends a processing request for transferring the resource in the balance account to other accounts except the second account, the third-party server transfers the resource in the balance account to other accounts, and the second account cannot receive the acquired resource at this time, so that the resource transfer method has potential safety hazards.

Disclosure of Invention

In order to solve the problems of the related art, embodiments of the present invention provide a resource transfer method, a resource transfer device, and a third-party server. The technical scheme is as follows:

in a first aspect, a resource transfer method is provided, where the method includes:

receiving a first processing request sent by a transaction server, wherein the first processing request carries an appointed order, the appointed order comprises target object information, a first user identifier for requesting to acquire a target object, a second user identifier for providing the target object and the resource quantity corresponding to the target object information, and the first processing request is used for requesting to perform resource transfer processing on resources corresponding to the second user identifier;

when the first order database comprises the specified order, determining a first specified resource quantity which is required to be allocated to the account of the second user identifier in the resource quantity, wherein the first order database is used for storing the order to be processed;

and transferring the resource corresponding to the first designated resource quantity from an intermediate account of the transaction server to an account of the second user identification, wherein the intermediate account is used for storing the resource corresponding to the resource quantity transferred from the account of the first user identification.

In a second aspect, an apparatus for resource transfer is provided, the apparatus comprising:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a first processing request sent by a trading server, the first processing request carries an appointed order, the appointed order comprises target object information, a first user identifier for requesting to acquire a target object, a second user identifier for providing the target object and the quantity of resources corresponding to the target object information, and the first processing request is used for requesting to perform resource transfer processing on the resources corresponding to the second user identifier;

the quantity distribution module is used for determining a first specified resource quantity which is to be distributed to the account of the second user identifier in the resource quantity when a first order database is determined to comprise the specified order, and the first order database is used for storing the order to be processed;

and the resource transfer module is used for transferring the resource corresponding to the first specified resource quantity from an intermediate account of the transaction server to an account of the second user identifier, wherein the intermediate account is used for storing the resource corresponding to the resource quantity transferred from the account of the first user identifier.

In a third aspect, a third-party server is provided, where the third-party server includes a processor and a storage medium, where at least one instruction is stored in the storage medium, and the instruction is loaded and executed by the processor to implement the resource transfer method according to the first aspect.

The technical scheme provided by the embodiment of the invention has the following beneficial effects:

according to the method, the device and the third-party server provided by the embodiment of the invention, the intermediate account is set for the transaction server, the resources transferred from the account of the first user identifier in the appointed order are stored in the intermediate account, when the first processing request carrying the appointed order is received, the first order database is determined to comprise the appointed order, the resources which are to be allocated to the account of the second user identifier are transferred from the intermediate account to the account of the second user identifier according to the first processing request, and the resources are not transferred according to any resource transfer request sent by the transaction server under the condition of no verification, so that the condition that the account of the second user identifier cannot receive the resources due to the transfer of the resources to other accounts is avoided, and the safety is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic illustration of an implementation environment provided by an embodiment of the invention;

FIG. 2 is a flowchart of a resource transfer method according to an embodiment of the present invention;

FIG. 3A is a flowchart of a resource transfer method according to an embodiment of the present invention;

FIG. 3B is a flow chart illustrating the management of a user of a vendor according to an embodiment of the present invention;

FIG. 4 is a flowchart of a resource transfer method according to an embodiment of the present invention;

FIG. 5 is a flowchart of a resource transfer method according to an embodiment of the present invention;

fig. 6A is a schematic view of a service flow provided by an embodiment of the present invention;

FIG. 6B is a block diagram of a third-party server according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. 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 invention.

Before describing the embodiments of the present invention in detail, the concepts related to the embodiments of the present invention will be described as follows:

1. the transaction server: the transaction platform is a virtual network space established on the Internet for business activities and a management environment for ensuring smooth business operation, and is an important place for coordinating and integrating information flow, material flow and fund flow in order, relevance and efficient flow. Enterprises, merchants and individuals can fully utilize shared resources such as network infrastructure, security platforms, management platforms and the like provided by the transaction platform to effectively develop own business activities at low cost.

2. A third-party server: the platform for the buyer and the seller to transfer resources in the transaction process is provided, and the platform is an independent mechanism for guaranteeing the benefits of the two parties under supervision.

3. A target object: the physical objects can be clothing, jewelry, living goods and the like or virtual objects can be physical objects or virtual objects, and the virtual objects can comprise coupons, pay music and the like.

Resource: the virtual article with a certain value can be exchanged for a target object with the same value. The resource may be a value, a virtual gift, a virtual ticket, etc.

4. Intermediate accounts and balance accounts: the third party server is an account maintained by the transaction server.

The balance account belongs to the own account of the transaction server, and the transaction server can transfer resources from the balance account or from the balance account to the balance account through the third-party server without the verification of the third-party server.

The intermediate account is used as a resource transfer account and stores the resources corresponding to the resource quantity in the order generated by the transaction server. The intermediate account is dedicated by the transaction server, but does not belong to the own account of the transaction server, the transaction server cannot freely transfer resources from the intermediate account or transfer resources to the intermediate account, the third-party server needs to verify each time the resources are transferred, and the resources can be transferred only after the verification is passed.

Further, the balance account may include two accounts: the transfer-in account and the transfer-out account are used for transferring the resources from the intermediate account, the transfer-out account is used for transferring the resources to the intermediate account, and the resource transfer directions of the transfer-in account and the transfer-out account are different.

5. And (4) order collection: when a buyer user wants to acquire a target object provided by a seller user, a transaction server is triggered to generate an order, and after the transaction server sends the order to a third-party server, the process of recording the order by the third-party server is an order receiving process.

6. And (3) resource transfer processing: the method comprises the two conditions of resource transfer processing of resources corresponding to a transaction server and resource transfer processing of resources corresponding to a seller user;

after the third-party server receives the order, the resources corresponding to the order are transferred from the account of the buyer user to the intermediate account, and the resources are allocated to the transaction server and the seller user according to a certain proportion, so that the resources need to be transferred from the intermediate account to the balance account of the transaction server and the account of the seller user according to the order, and the process of transferring the resources is a resource transfer processing process.

7. Ordering by the transaction server: before the transaction server requests to process the order, the generated order needs to be reported to the third-party server, so that the third-party server checks the order, the resource transfer processing can be performed only when the order is checked, and the process of reporting the order is the order placing.

8. A first order database: storing the order reported by the transaction server;

a second order database: storing the order generated by the transaction server;

after the transaction server generates the order, the order can be recorded into the second order database through the order receiving process, and then the order can be recorded into the first order database through the order placing process of the transaction server, so that resource transfer processing can be performed on the transaction server and the seller user according to the order.

Fig. 1 is a schematic diagram of an implementation environment provided by an embodiment of the present invention, where the implementation environment includes: the system comprises a first user terminal 101, a second user terminal 102, a transaction server 103 and a third-party server 104, wherein the first user terminal 101 and the second user terminal 102 are both connected with the transaction server 103, and the transaction server 103 is connected with the third-party server 104.

The first user terminal 101 and the second user terminal 102 may be mobile phones, computers, tablet computers, and the like. The transaction server 103 may be a server, a server cluster composed of several servers, or a cloud computing service center. The third party server 104 may also be a server, a server cluster composed of several servers, or a cloud computing service center.

The first user indicated by the first user identifier logged in by the first user terminal 101 is a buyer user, the second user indicated by the second user identifier logged in by the second user terminal 102 is a seller user, and the first user and the second user can perform a transaction through the transaction server 103. The first user terminal 101 and the second user terminal 102 may install an internet application associated with the transaction server 103, and interact with the transaction server 103 through the internet application, where the internet application may be a shopping application, a payment application, and the like.

The first user identifier and the second user identifier are both provided with an account on the third-party server 104, and resources are stored in the account, and the account may be a virtual account provided by the third-party server, or a bank account, an online account, or the like.

The transaction server 103 sets an intermediate account and a balance account on the third-party server 104, the intermediate account is a virtual account provided by the third-party server 104 and is dedicated by the transaction server 103, but the transaction server 103 does not have the authority to transfer resources from the intermediate account and the authority to transfer resources to the intermediate account, that is, the transaction server 103 cannot perform operations such as recharging, cash withdrawal or transfer on the intermediate account. The balance account is owned by the transaction server 103, and may be a bank account, an online account, or the like. The transaction server 103 has the right to transfer resources from the balance account and the right to transfer resources to the balance account, and can perform operations such as recharging, cash withdrawal or account transfer on the balance account through a third-party server.

The method and the device are applied to various scenes of transaction between the buyer user and the seller user, such as an online shopping scene, an online payment scene, a code scanning payment scene and the like. The transaction server provides a transaction platform, when a buyer user and a seller user perform transaction on the transaction platform, the transaction server generates an order, and a third-party server performs resource transfer on the order.

In the process of transferring the resources by the third-party server, the resources transferred by the buyer user are not transferred to the account of the transaction server and then transferred to the account of the seller user, but the resources transferred by the buyer user are transferred to an intermediate account set for the transaction server, the resources are transferred from the intermediate account to the balance account of the transaction server and the account of the seller user respectively when the resources are to be processed, and the resources are transferred from the intermediate account to the third-party server for verification, so that the situation that the seller user cannot receive the acquired resources due to the transfer of the resources to other accounts is prevented.

Fig. 2 is a flowchart of a resource transfer method according to an embodiment of the present invention. In the embodiment of the present invention, a receipt process when a first user and a second user perform a transaction is described, where an interaction subject is a first user terminal, a transaction server, and a third-party server, and referring to fig. 2, the method includes:

201. the first user terminal displays the target object information page, and when the confirmation operation of the first user is detected in the target object information page, an acquisition request of the target object is sent to the transaction server.

In the embodiment of the invention, the seller user uploads the provided detailed information of the target object to the transaction server, and the transaction server stores the detailed information of the target object, wherein the detailed information at least comprises the seller user providing the target object and the resource quantity corresponding to the target object, and the resource quantity refers to the resource quantity which needs to be transferred out when a certain user acquires the target object.

In addition, the detailed information may further include information such as name, type, size, color, texture, picture for showing the appearance of the object, and historical transaction record, and the historical transaction record may include the buyer user who has acquired the same object, the time of transaction performed by the buyer user, and the evaluation of the object by the buyer user.

The transaction server can provide an object information page of the object for any user to browse, the object information page comprises details of the object, and can also comprise operation buttons for the object, such as a collection button, a button for joining a shopping cart, a confirmation button and the like.

In the embodiment of the invention, the first user is taken as a buyer user and the second user is taken as a seller user as an example, for the target object provided by the second user identification, the transaction server provides a target object information page, and the first user terminal can display the target object information page. When the first user browses the target object information page, various items of information of the target object can be viewed, and if the first user wishes to acquire the target object, a confirmation operation can be triggered in the target object information page. When detecting the confirmation operation, the first user terminal sends an acquisition request for the target object to the transaction server, where the acquisition request includes at least a first user identifier and target object information, and may also include a second user identifier and a resource quantity corresponding to the target object information, where the first user identifier may be an account number, a nickname, a phone number, and the like of the first user, the second user identifier may be an account number, a nickname, a phone number, and the like of the second user, and the target object information may include a name of the target object, and may also include other information of the target object.

202. And when the transaction server receives the acquisition request, generating a specified order.

The designated order at least includes object information, a first user identifier for requesting to acquire the object, a second user identifier for providing the object, and a resource quantity corresponding to the object information, and may further include the object information, a unique number of the designated order, and a time for generating the designated order, that is, a transaction time between the first user identifier and the second user identifier, which may of course include other information.

For example, the first user terminal displays an information page, the information page includes information such as fabric, style, color, size, price and the like of a piece of clothes, and also includes a purchase button, when the first user clicks the purchase button, the first user terminal sends a request for purchasing the piece of clothes to the trading server, the trading server generates an order, and the order at least includes a first user identifier, a second user identifier and the price of the piece of clothes.

203. And the transaction server sends an order receiving request to the third-party server, wherein the order receiving request carries the specified order.

The order receiving request is sent when the transaction server generates an order, and is used for requesting a third-party server to receive and record the generated order and transferring corresponding resources from an account of a buyer user.

In addition, the transaction server may also store the specified order, and may trigger a processing request for the specified order to request the third-party server to perform resource transfer processing on the specified order.

204. And when receiving the order receiving request, the third-party server records the specified order into the second order database, and transfers the resources corresponding to the first resource quantity from the account identified by the first user to the intermediate account of the transaction server.

In the embodiment of the invention, the third-party server is provided with a second order database, the second order database is used for storing orders generated by the transaction server, and resource transfer processing can be carried out subsequently according to the orders. When the third-party server receives the order receiving request, the appointed order is recorded in the second order database, the quantity of the resource in the appointed order is determined, the resource corresponding to the quantity of the resource is deducted from the account of the first user identification, and the resource is added to the intermediate account of the trading server, so that the resource can be distributed to the second user identification and the trading server from the intermediate account in the following process.

In practical application, considering that a third-party server may receive order-receiving requests for a plurality of specified orders and needs to record the specified orders into a second order database, for convenience of management, the third-party server may set a queue, store the specified orders into the queue each time a specified order carried by the order-receiving request is received, take out one specified order from the queue each time, store the specified order into the second order database, and perform resource transfer for the specified order. The queue may be a synchronous queue or an asynchronous queue. If the synchronous queue includes a plurality of designated orders, threads with the number equal to the number of the orders are adopted to perform synchronous processing on the plurality of designated orders in the synchronous queue, so that synchronous storage of the plurality of designated orders is realized, or the queue can also be an asynchronous queue, if the asynchronous queue includes a plurality of designated orders, one or more threads are adopted to perform asynchronous processing on one or more designated orders in the asynchronous queue.

It should be noted that the third-party server creates an intermediate account and a balance account for the transaction server:

the intermediate account is used for storing the resources corresponding to the generated orders, and the resources corresponding to the orders are transferred to the intermediate account for storage each time the orders are generated. The balance account is used for storing resources allocated to the transaction server, and part of resources belonging to the transaction server in the resources corresponding to the order are transferred to the balance account for storage. The transaction server requires the third-party server to perform verification when requesting to transfer the resources from the intermediate account, and does not need to perform verification when transferring the resources from the balance account.

Then, for any order, the third-party server stores the resources transferred from the account of the buyer user into the intermediate account, and then allocates the resources to the balance account and the account of the seller user from the intermediate account.

In a possible implementation manner, in order to improve security, when receiving an order receipt request, the third-party server may send a confirmation request to the first user terminal, where the confirmation request carries the resource quantity and is used to request the first user to confirm the resource quantity, the first user terminal displays a confirmation page, when a confirmation operation of the first user is detected, sends a confirmation message to the third-party server, and when receiving the confirmation message, the third-party server transfers the resource corresponding to the resource quantity from an account identified by the first user to an intermediate account.

The confirmation page may include the resource amount, and may also include a second user identifier, transaction time, target object information, and the like, so that the first user confirms whether each item of information matches with the actual information.

In another possible implementation, to prevent the third-party server from transferring the resources of the intermediate account to other accounts and causing the transaction server and the seller user to not receive the resources, the third-party server may have the authority to transfer the resources of the intermediate account to the account and the balance account of the seller user, but not the authority to transfer the resources of the intermediate account to other accounts except the account and the balance account of the seller user.

Alternatively, considering that the resources transferred out by the buyer user need to be returned to the account of the buyer user in case of a transaction failure, the third-party server may have the authority to transfer out the resources of the intermediate account to the account of the buyer user, the account of the seller user and the balance account, but not the authority to transfer out the resources of the intermediate account to other accounts than the account of the buyer user, the account of the seller user and the balance account.

In another possible implementation manner, in order to avoid resource errors caused by the simultaneous transfer of the resources transferred by multiple buyer users to the intermediate account, the third party server may set multiple order-receiving accounts located in multiple hierarchies, where each hierarchy includes multiple order-receiving accounts, and the intermediate account is the highest hierarchy of order-receiving accounts.

If the third-party server wants to transfer the resources from the account identified by the first user to the intermediate account, the resources may be transferred from the account identified by the first user to the first-level order-receiving account, the first-level order-receiving account stores the resources of the plurality of orders, the resources are gathered and transferred to the second-level order-receiving account, and so on until the resources are transferred to the intermediate account.

Because the order-receiving account of each level combines and aggregates a plurality of resources, the resources are reported to the order-receiving account of the previous level, the quantity of each path of resources is increased along with the increasing height of the level, but the quantity of the resources is gradually reduced, the probability that the resources are reported to the same order-receiving account at the same time is reduced, the resource quantity of the account is prevented from being wrong, and the stability is improved.

On the basis of the embodiment shown in fig. 2, after the resources corresponding to the designated order are transferred from the resources of the first user to the intermediate account, the resources need to be transferred from the intermediate account to the second user and the transaction server. The following embodiments shown in fig. 3A and 4 will describe the processes of requesting the resource transfer process for the order by the second user and the trading server, respectively.

Fig. 3A is a flowchart of a resource transfer method according to an embodiment of the present invention. In the embodiment of the present invention, a process of a second user requesting resource transfer processing for an order is described, where an interaction subject is a second user terminal, a transaction server, and a third-party server, and referring to fig. 3A, the method includes:

301. and the transaction server sends an order reporting request to the third-party server, wherein the order reporting request carries the specified order to be processed. The order reporting request is used for reporting the generated but unprocessed order to a third-party server.

When the transaction server generates the designated order, the designated order may be stored, and after the order receiving request is sent to the third-party server and the designated order is recorded by the third-party server, the order reporting request may be sent to the third-party server immediately, or the order reporting request may be sent to the third-party server after a period of time elapses.

In order to simplify the interaction process, the transaction server may store an order in the local order database each time an order is generated, and send an order receiving request carrying the order to the third-party server, but not send an order reporting request. As more orders are generated over time, multiple orders may be stored in the local order database. For a plurality of stored orders, the transaction server may periodically send an order reporting request to the third-party server, where the order reporting request may carry a plurality of orders that have been generated in the local order database but have not been reported yet.

In a first possible implementation manner, to facilitate order management, the local order database may store a state of each order, where the state includes an unreported state, an unprocessed state, and a processed state. The unprocessed state refers to a state in which the order is reported to the third-party server and is not processed, and the processed state refers to a state in which the order is processed.

Correspondingly, the transaction server can periodically select one or more orders in an unreported state from the local order database as the specified orders, and send order reporting requests to the third-party server, wherein the order reporting requests carry the specified orders.

In a second possible implementation, the local order database may include a plurality of databases each for storing orders in different states. For example, the local order database includes a third order database, a fourth order database, and a fifth order database, the orders generated by the trading server but not yet reported are stored in the third order database, the orders that have been reported but not yet processed are stored in the fourth order database, and the processed orders are stored in the fifth order database. The transaction server may periodically obtain the orders in the third order database, send an order reporting request to the third party server, where the order reporting request carries the orders in the third order database, and after sending the order reporting request, delete the reported orders from the third order database and store the orders in the fourth database.

302. And the third-party server receives the order reporting request and records the specified order into the first order database. The first order database is used for storing orders to be processed.

In a possible implementation manner, since all generated orders are included in the second order database, the specified order reported by the trading server should also be included in the second order database, so as to avoid an order error, when the third-party server receives the order reporting request, it may first be determined whether the second order database includes the specified order, when it is determined that the second order database includes the specified order, it indicates that the specified order is indeed the included order, and at this time, the step of including the specified order in the first order database may be performed.

In practical application, considering that a third-party server may receive an order reporting request for a plurality of specified orders and needs to record the specified orders into a first order database, for convenience of management, the third-party server may set a queue, store the specified orders into the queue each time a specified order carried by the order reporting request is received, and take out one specified order from the queue each time and store the specified order into the first order database. The queue may be a synchronous queue or an asynchronous queue.

It should be noted that the steps 301 and 302 are optional steps, and the third-party server may not perform the steps 301 and 302, and directly perform the following steps 303 and 305 to perform the resource transfer processing on the order of the trading server without the trading server reporting the order before processing.

In the embodiment of the invention, the third-party server provides resource transfer service for the transaction server, can perform various services such as order receiving, order placing, resource transfer processing and the like on the order generated by the transaction server, and can extract a certain amount of resources from the order when the transaction server reports the order each time. That is, the method may further include:

and the third-party server receives the order reporting request sent by the transaction server, determines the third specified resource quantity to be transferred to the third-party server by the transaction server, and transfers the resource corresponding to the third specified resource quantity from the balance account to the account of the third-party server. For example, if the ratio of the number of resources that the third-party server needs to extract is the third allocation ratio, the third-party server calculates the product of the number of resources and the third allocation ratio to obtain the third designated number of resources.

The resources in the account of the third-party server are owned by the third-party server, and the third-party server can carry out operations such as recharging, cash withdrawal or account transfer and the like on the account.

In one possible implementation manner, the balance account includes a transfer-in account and a transfer-out account, and the third party server transfers the resource corresponding to the third specified resource quantity from the transfer-out account to the intermediate account.

303. And the second user terminal sends a first processing request to the transaction server, wherein the first processing request carries the specified order.

The first processing request is used for requesting resource transfer processing of resources corresponding to the seller user, namely transferring resources, which are required to be allocated to an account of the seller user, in resources corresponding to an order of the seller user to the account of the seller user.

The first processing request may be triggered by a second user on a second user terminal, for example, the second user terminal may present an order management page from which the second user may select an unprocessed specific order to trigger the first processing request. Or, the first processing request may also be triggered periodically by the second user terminal, that is, the second user terminal periodically sends the first processing request to the third-party server, where the first processing request carries the specified order that has not been processed in the current period.

304. And the transaction server receives the first processing request and sends the first processing request to the third-party server.

In another embodiment, the first processing request may not be triggered by the second user terminal, but by the transaction server, for example, the transaction server may periodically send the first processing request carrying the specified order that has not been processed to the third-party server. Or, when the transaction server receives a confirmation request sent when the first user terminal detects that the receiving operation of the specified order is confirmed, the confirmation transaction of the first user is completed, at this time, the resource transfer processing can be performed for the second user identifier for the specified order, and therefore the transaction server sends the first processing request carrying the specified order to the third-party server.

Based on the first possible implementation manner in step 301, the transaction server may periodically select one or more orders in an unprocessed state of the seller user from the local order database, as a designated order, and send a first processing request to the third-party server, where the first processing request carries the designated order.

Based on the second possible implementation manner in step 301, the transaction server may periodically obtain an unprocessed order from the fourth order database, and send a first processing request to the third-party server, where the first processing request carries the specified order, as the specified order. Since the trading server has not yet performed resource transfer processing on the specified orders, the specified orders are still stored in the fourth order database after the trading server sends the first processing request carrying the specified orders.

In practical application, whether the first user terminal, the second user terminal or the transaction server triggers the first processing request, the manner of triggering the first processing request, and the like can be determined by negotiation between the second user and a maintainer of the transaction server.

305. And the third-party server receives the first processing request, determines a first specified resource quantity which is required to be allocated to the account of the second user identification in the resource quantity when the first order database comprises the specified order, and transfers the resource corresponding to the first specified resource quantity from the intermediate account to the account of the second user identification.

In the embodiment of the invention, in order to facilitate accurate management and avoid resource transfer processing errors, the third-party server can verify the specified order according to the first order database when receiving the first processing request, when the first order database comprises the specified order, the specified order passes the verification, the specified order can be determined to be a real order to be processed, the second user identification and the resource quantity are real and reliable, and then the specified order can be subjected to resource transfer processing. And when the first order database does not comprise the specified order, the specified order is not verified, and the resource transfer processing cannot be carried out on the specified order at the moment.

For example, when the third-party server receives the first processing request, it may first determine whether the first order database includes the specified order, and determine whether the first order database includes the specified order according to the determination result.

The reason for adopting the above verification mode is that: the resources transferred out by the buyer user in the intermediate account should be transferred to the seller user's account and the transaction server's balance account, but the following may occur: the specified order carried in the processing request sent by the transaction server to the third-party server is a false order, or the seller user in the specified order is not the actual seller user but another user, or the quantity of the resources in the specified order is wrong, and the like. If the third-party server receives the processing request without verification, resource transfer is performed according to the wrong specified order, which may cause a resource transfer process error, cause the resource of the intermediate account to be transferred to other accounts except the account of the transaction server and the seller user, and further cause the transaction server and the seller user to receive the resource which is not obtained, and cause the loss of the seller user.

In addition, considering that the number of orders in the first order database is large, when judging whether the first order database comprises the specified orders, the multiple orders in the first order database need to be traversed, and the traversing process may take some time.

For example, after receiving the first processing request, the method may further include at least one of the following steps 3051-3053:

3051. if the first processing request carries a plurality of specified orders, judging whether the number of the orders carried by the first processing request is larger than the number of the orders to be processed of the second user identification in the first order database, and if the number of the orders carried by the first processing request is not larger than the number of the orders to be processed of the second user identification in the first order database, judging whether the first order database comprises the specified orders.

The first order database stores one or more orders to be processed identified by a second user, and the quantity of the specified orders requested to be processed by the second user at this time should not be greater than the quantity of the orders to be processed identified by the second user in the first order database.

In another embodiment, if the number of orders carried by the first processing request is greater than the number of orders to be processed identified by the second user in the first order database, which indicates that an order has a problem, and the number of orders to be processed by the second user at present exceeds the number of orders to be processed, the third-party server may send a notification message to the trading server to notify the trading server that an error occurs in the current processing, and the trading server initiates a processing request again after checking.

The third-party server may count the orders in the first order database in advance to obtain the number of orders to be processed for the second user identifier, and then directly perform the step 3051 when receiving the first processing request, or the third-party server may count the orders in the first order database when receiving the first processing request to obtain the number of orders to be processed for the second user identifier.

3052. And judging whether the resource quantity is greater than the resource quantity of the order to be processed identified by the second user in the first order database, and if the resource quantity is not greater than the resource quantity of the order to be processed identified by the second user in the first order database, judging whether the first order database comprises the specified order.

The first order database stores one or more orders to be processed identified by a second user, and the resource quantity of the specified order requested to be processed by the second user at this time is not greater than the resource quantity of the order to be processed identified by the second user in the first order database, so that the specified order is verified only when the third-party server determines that the resource quantity of the specified order is not greater than the resource quantity of the order to be processed identified by the second user through judgment.

In another embodiment, if the resource quantity of the specified order is greater than the resource quantity of the order to be processed identified by the second user in the first order database, which indicates that the order has a problem, and the resource quantity to be processed by the second user locally exceeds the resource quantity to be transferred, the third-party server may send a notification message to the trading server to notify the trading server that an error occurs in the processing of this time, and the trading server initiates a processing request again after checking.

When the designated order includes a plurality of orders, the resource quantity of the designated order refers to the sum of the resource quantities in the plurality of orders, and the third-party server may sum the resource quantities of the plurality of orders to obtain the sum of the resource quantities, or may sum the resource quantities of the plurality of orders to be processed by the second user identifier in the first order database to obtain the sum of the resource quantities to be processed by the second user identifier.

The third-party server may count the order in the first order database in advance to obtain the amount of the resource to be processed by the second user identifier, and then perform the above step 3052 according to the obtained amount of the resource when receiving the first processing request, or the third-party server may also count the order in the first order database when receiving the first processing request to obtain the amount of the resource to be processed by the second user identifier.

3053. And judging whether the user identification database comprises a second user identification, and if the user identification database comprises the second user identification, judging whether the first order database comprises the specified order.

The user identification database is used for storing the identification of the authenticated seller user, namely the target object provides the user identification. And when the second user identifier belongs to the verified seller user identifier, the resource transfer processing can be carried out on the order of the second user, so that when the third-party server receives the first processing request, whether the second user identifier is included in the user identifier database is judged, and whether the second user identifier is the verified seller user identifier is determined.

In the embodiment of the invention, in order to improve the security, the monitoring and verification of the seller user are required. Referring to fig. 3B, the following three stages may be specifically included:

in the first stage, a newly registered seller user on a transaction server sends an account opening application to a third-party server to request to create an account on the third-party server. At the moment, the third-party server requires the transaction server to record the seller user identification and key information such as merchant information, real name information, legal information, contact information, bank data, license information, industry category information, operation range, protocol confirmation time, unique shop number and the like of the seller user to the third-party server, and the third-party server can create an account after verification is passed. The seller user identification can be real-name information or a unique shop number of the seller user, and the key information of the seller user and the seller user identification are correspondingly stored in the user identification database.

And in the second stage, when the information of the seller user is changed, the transaction server sends the changed information to a third-party server, the third-party server verifies the changed information, and the information is filed and put on record after the verification is passed.

And in the third stage, in the continuous operation process of the seller users, the management department of the third-party server supervises the accounts of the seller users, and when some seller users are found to have non-compliance behaviors, the transaction server is informed to clear and refund the seller users, punish and the like. Wherein the non-compliant behavior specifically includes which behaviors may be determined by the third party server.

It should be noted that, in the embodiment of the present invention, the verification manner in the above-mentioned step 3051-3053 may be combined to determine the designated order to be processed from multiple angles.

After determining that the resource transfer processing is to be performed on the designated order, the third-party server may determine the first designated resource quantity according to the resource quantity and a preset allocation policy, where the preset allocation policy is used to determine a manner of allocating the resources transferred by the buyer user to the transaction server and the seller user, and may determine which part of the resources transferred by the first user is allocated to the transaction server and which part of the resources is allocated to the second user according to the preset allocation policy.

In one possible implementation, the preset allocation policy includes a first allocation proportion and a second allocation proportion, the first allocation proportion is a proportion of the quantity of the resource extracted from the order by the second user, the second allocation proportion is a proportion of the quantity of the resource extracted from the order by the trading server, and the sum of the first allocation proportion and the second allocation proportion is 100%. Wherein the first allocation rate and the second allocation rate may be determined by a second user negotiating with a maintenance person of the transaction server.

Correspondingly, when the third-party server carries out resource transfer processing on the specified order, the resource quantity in the specified order is obtained, and the product of the resource quantity and the first allocation proportion is calculated to obtain the first specified resource quantity, namely the resource quantity of the account to be allocated to the second user identifier.

When the first allocation proportion is 100% and the second allocation proportion is 0, it indicates that all the resources corresponding to the order should be allocated to the second user, and the first specified resource quantity is equal to the first resource quantity.

According to the method provided by the embodiment of the invention, the intermediate account is set for the transaction server, the resources transferred from the account of the first user identifier in the appointed order are stored in the intermediate account, when the first processing request carrying the appointed order is received, the first order database is determined to comprise the appointed order, the resources which are to be allocated to the account of the second user identifier are transferred from the intermediate account to the account of the second user identifier according to the first processing request, and the resources are not transferred according to any resource transfer request sent by the transaction server under the condition of no verification, so that the condition that the account of the second user identifier cannot receive the resources due to the fact that the resources are transferred to other accounts is avoided, and the safety is improved.

Moreover, with the increase of the transaction amount in the related art, the potential safety hazard thereof is increasing day by day, the third-party server operates in the whole resource transfer link only according to the instruction of the transaction server, without being aware of the original service scene, and blind spots exist in the aspects of service authenticity, resource compliance and the like, which are not beneficial to supervision, and the third-party server does not Know the information of the actual seller user, does not Know the authenticity of the seller user, and cannot meet the supervision requirement of KYC (Customer awareness). In the embodiment of the invention, the information links between the third-party server and the transaction server as well as the seller user are established, and the third-party server supervises the seller user, thereby improving the safety.

On the basis of the above-mentioned embodiment shown in fig. 3A, the transaction server may also perform resource transfer processing for the generated order, which is described in detail in the following embodiment.

Fig. 4 is a flowchart of a resource transfer method according to an embodiment of the present invention. In the embodiment of the present invention, a process of a transaction server requesting resource transfer processing for an order is described, and an interaction subject is the transaction server and a third-party server, referring to fig. 4, the method includes:

401. and the transaction server sends an order reporting request to the third-party server, wherein the order reporting request carries the specified order to be processed.

402. And the third-party server receives the order reporting request and records the specified order into the first order database.

The steps 401-402 are similar to the steps 301-302 in the embodiment shown in fig. 3A, and are not described herein again.

403. And the transaction server sends a second processing request to the third-party server, wherein the second processing request carries the specified order.

The second processing request is used for requesting resource transfer processing of resources corresponding to the transaction server, and transferring resources which are to be allocated to a balance account of the transaction server in the resources corresponding to the order generated by the transaction server to the balance account.

The second processing request may be triggered periodically by the trading server, and the second processing request carries the specified order that has not been processed in the current period.

Based on the first possible implementation manner in step 301, the trading server may periodically select one or more orders in an unprocessed state of the trading server from the local order database, and send a second processing request to the third-party server, where the second processing request carries the designated orders, as the designated orders.

Based on the second possible implementation manner in step 302, the transaction server may periodically obtain an order that has not been processed by the transaction server in the fourth order database, and send a second processing request to the third-party server as the specified order, where the second processing request carries the specified order. The specified order may then be deleted by the trading server from the fourth order database and stored in the fifth database.

Alternatively, the second processing request may be actively triggered by an administrator of the trading server, the specified order being determined by the administrator.

404. And the third-party server receives the second processing request, determines a second specified resource quantity which is to be allocated to the balance account of the trading server in the resource quantity when the first order database comprises the specified order, and transfers the resource corresponding to the second specified resource quantity to the balance account of the trading server from the intermediate account.

Similar to the step 305, when the third-party server receives the second processing request, it may also determine whether the first order database includes the specified order, so as to determine whether to perform the resource transfer processing on the specified order according to the determination result.

In one possible implementation, the third party server may determine the second specified amount of resources according to the amount of resources and a preset allocation policy. The preset allocation strategy comprises a second allocation proportion, the second allocation proportion is a resource quantity proportion extracted from the generated order by the trading server, when the second allocation proportion is not 0, and the third-party server performs resource transfer processing on the specified order, the resource quantity in the specified order is obtained, and the product of the resource quantity and the second allocation proportion is calculated to obtain the second specified resource quantity.

And when the balance account comprises a transfer-in account and a transfer-out account, the third-party server transfers the resources corresponding to the second specified resource quantity from the intermediate account to the transfer-in account after determining the second specified resource quantity.

After the resources are transferred to the balance account, the transaction server can transfer the resources from the balance account or transfer the resources to the balance account only by sending a corresponding resource transfer request to the third-party server, namely the resources of the balance account are owned by the transaction server and are freely controlled by the transaction server, and the transaction server can carry out various operations such as cash withdrawal, account transfer and the like on the resources of the balance account.

In addition, after receiving the second processing request, the method may further include at least one of the following steps 4041 and 4042:

4041. if the second processing request carries a plurality of specified orders, judging whether the number of the orders carried by the second processing request is larger than the number of the orders to be processed by the trading server in the first order database, and if the number of the orders carried by the second processing request is not larger than the number of the orders to be processed by the trading server in the first order database, judging whether the first order database comprises the specified orders.

The first order database stores one or more orders to be processed, the quantity of the specified orders requested to be processed by the transaction server at this time should not be larger than the quantity of the orders to be processed by the transaction server in the first order database, and therefore the specified orders are verified only when the third-party server determines that the quantity of the orders carried by the second processing request is not larger than the quantity of the orders to be processed by the transaction server.

In another embodiment, if the number of orders carried by the second processing request is greater than the number of orders to be processed by the transaction server in the first order database, which indicates that an order has a problem, and the number of orders to be processed by the transaction server at this time exceeds the number of orders to be processed, the third-party server may send a notification message to the transaction server to notify the transaction server that an error occurs in the processing at this time, and the transaction server initiates a processing request again after checking.

The third-party server may count the orders in the first order database in advance to obtain the number of the orders to be processed by the transaction server, and then directly perform the step 3051 when receiving the first processing request, or the third-party server may count the orders in the first order database when receiving the second processing request to obtain the number of the orders to be processed by the transaction server.

4042. And judging whether the resource quantity is greater than the resource quantity of the order to be processed by the trading server in the first order database, and if the resource quantity is not greater than the resource quantity of the order to be processed by the trading server in the first order database, judging whether the first order database comprises the specified order.

The first order database stores one or more orders to be processed, the resource quantity of the specified order requested to be processed by the transaction server at this time should not be greater than the resource quantity of the order to be processed by the transaction server in the first order database, and therefore the third-party server can verify the specified order when determining that the resource quantity of the specified order is not greater than the resource quantity of the order to be processed by the transaction server through judgment.

In another embodiment, if the resource quantity of the specified order is greater than the resource quantity of the order to be processed by the trading server in the first order database, indicating that the order has a problem, and the resource quantity to be processed by the trading server at this time exceeds the resource quantity to be processed, the third-party server may send a notification message to the trading server at this time, notify the trading server that an error occurs in the processing at this time, and the trading server initiates a processing request again after checking.

When the designated order includes a plurality of orders, the resource quantity of the designated order refers to the sum of the resource quantities in the plurality of orders, and the third-party server may sum the resource quantities of the plurality of orders to obtain the sum of the resource quantities, or may sum the resource quantities of the plurality of orders to be processed by the trading server in the first order database to obtain the sum of the resource quantities to be processed by the trading server.

The third-party server may count the order in the first order database in advance to obtain the amount of the resource to be processed by the trading server, and then perform the step 4042 according to the obtained amount of the resource when receiving the second processing request, or the third-party server may count the order in the first order database when receiving the second processing request to obtain the amount of the resource to be processed by the trading server.

According to the method provided by the embodiment of the invention, the intermediate account is set for the transaction server, the resources transferred from the account of the first user identifier in the appointed order are stored in the intermediate account, when the first processing request carrying the appointed order is received, the first order database is determined to comprise the appointed order, the resources which are to be allocated to the account of the second user identifier are transferred from the intermediate account to the account of the second user identifier according to the first processing request, and the resources are not transferred according to any resource transfer request sent by the transaction server under the condition of no verification, so that the condition that the account of the second user identifier cannot receive the resources due to the fact that the resources are transferred to other accounts is avoided, and the safety is improved. When the second processing request is received, the first order database is determined to comprise the specified order, and the resources to be allocated to the trading server are transferred from the intermediate account to the payment account, so that the trading server is guaranteed to process smoothly.

Resources may also be delivered to the vendor user when the transaction server organizes certain offers to appeal to the vendor user. That is, taking the second user as an example, the method further includes: and the transaction server sends a resource issuing request to the third-party server, wherein the resource issuing request is used for requesting to issue the resource corresponding to the fourth specified resource quantity for the second user, and the third-party server transfers the resource corresponding to the fourth specified resource quantity from the balance account to the intermediate account and then transfers the resource corresponding to the fourth specified resource quantity from the intermediate account to the account identified by the second user.

Wherein the fourth specified resource amount may be set by the trading server default, or by an administrator of the trading server, or according to the activity level of the second user identification participating in the activity.

With reference to the foregoing embodiment, the transaction server may send a variety of service requests to the third-party server, including an order receiving request, an order reporting request, a first processing request, a second processing request, and certainly may also include other service requests, and accordingly, the third-party server may also generate a variety of service data during the service processing. In order to avoid service problems or loss of service data and guarantee system performance, the third-party server may check the service data with the transaction server. That is, the method may further include:

the third-party server generates a service data log according to the service processing operation, in the application process, the transaction server sends a service matching request to the third-party server, the service matching request carries service data generated by the transaction server according to the service request sent to the third-party server, when the third-party server receives the service data, the service data is compared with the stored service data log, whether the service data and the stored service data log are matched or not is judged, the problem can be found in time according to the matching result, and corresponding processing operation is carried out.

The transaction server may periodically send a service matching request, where the service matching request carries service data related in a current period.

Fig. 5 is a flowchart of a resource transfer method provided in an embodiment of the present invention, where an execution subject of the embodiment of the present invention is a third-party server, and referring to fig. 5, the method includes:

501. and receiving a first processing request sent by the transaction server.

The first processing request carries a designated order, the designated order comprises target object information, a first user identification for requesting to acquire the target object, a second user identification for providing the target object and the resource quantity corresponding to the target object information, and the first processing request is used for requesting to perform resource transfer processing on resources corresponding to the second user identification.

502. And when the first order database comprises the specified orders, determining a first specified resource quantity which is required to be allocated to the account of the second user identification in the resource quantity, wherein the first order database is used for storing the orders to be processed.

503. And transferring the resources corresponding to the first appointed resource quantity from the intermediate account of the transaction server to the account of the second user identification.

The intermediate account is used for storing the resources which are transferred from the account of the first user identification and correspond to the resource quantity.

According to the method provided by the embodiment of the invention, the intermediate account and the balance account are set for the transaction server, the resources transferred from the account of the first user identifier are stored in the intermediate account, when the first processing request is received, the first order database is determined to comprise the appointed order, the resources which are to be allocated to the account of the second user identifier are transferred from the intermediate account to the account of the second user identifier, the condition that the resources cannot be received by the account of the second user identifier due to the fact that the resources are transferred from the intermediate account according to the wrong appointed order is avoided, and the safety is improved.

Optionally, after receiving the first processing request sent by the transaction server, the method further includes:

if the first processing request carries a plurality of specified orders, judging whether the number of the orders carried by the first processing request is larger than the number of the orders to be processed of the second user identification in the first order database;

and if the order quantity carried by the first processing request is not more than the order quantity to be processed of the second user identifier in the first order database, judging whether the first order database comprises the specified order or not.

judging whether the resource quantity is larger than the resource quantity of the order to be processed of the second user identification in the first order database;

and if the resource quantity is not larger than the resource quantity of the order to be processed identified by the second user in the first order database, judging whether the first order database comprises the specified order.

judging whether the user identification database comprises a second user identification or not, wherein the user identification database is used for storing a verified target object to provide the user identification;

and if the user identification database comprises the second user identification, judging whether the first order database comprises the specified order or not.

Optionally, the method further comprises:

receiving a second processing request sent by the trading server, wherein the second processing request carries an appointed order and is used for requesting resource transfer processing on the order generated by the trading server;

judging whether the first order database comprises a specified order or not;

when the first order database comprises the specified orders, determining a second specified resource quantity which is to be allocated to a balance account of the trading server in the resource quantity;

and transferring the resource corresponding to the second appointed resource quantity from the intermediate account to the balance account of the transaction server.

Optionally, the method comprises:

receiving an order receiving request sent by a transaction server when a specified order is generated, wherein the order receiving request carries the specified order;

the appointed orders are recorded into a second order database, and the second order database is used for storing the orders generated by the trading server;

and transferring the resource corresponding to the resource quantity from the account identified by the first user to the intermediate account.

Optionally, after transferring the resource corresponding to the resource amount from the account identified by the first user to the intermediate account, the method further includes:

receiving an order reporting request sent by a transaction server, wherein the order reporting request carries an appointed order;

and recording the specified order into a first order database, wherein the first order database is used for storing the order to be processed.

Optionally, after receiving the order reporting request sent by the transaction server, the method further includes:

judging whether the second order database comprises the specified order or not, wherein the second order database is used for storing the order generated by the transaction server;

and when the second order database comprises the specified order, executing the step of recording the specified order into the first order database.

calculating the product of the resource quantity and a third allocation proportion to obtain a third specified resource quantity, wherein the third allocation proportion is the resource quantity proportion which needs to be extracted by a third-party server when the transaction server reports the order;

and transferring the resources corresponding to the third appointed resource quantity from the balance account to the account of the third party server.

Optionally, the method further comprises:

receiving a resource issuing request sent by the transaction server, wherein the resource issuing request is used for requesting to issue a resource corresponding to the fourth specified resource quantity for the second user identifier;

transferring the resources corresponding to the fourth appointed resource quantity from the balance account to the intermediate account;

and transferring the resource corresponding to the fourth appointed resource quantity from the intermediate account to the account of the second user identification.

Fig. 6A is a schematic view of a service flow provided in an embodiment of the present invention, and fig. 6B is a schematic view of a structural framework of a third-party server provided in an embodiment of the present invention. Referring to fig. 6A and 6B, on the premise of fully considering resource flow and business process, in order to improve the throughput performance of the whole system as much as possible, a multi-layer access architecture is adopted, and the third-party server is integrally divided into four layers: the system comprises an access layer, a service processing layer, a storage layer and a control layer.

The access layer is responsible for docking with an external transaction platform and for the work of identification of a transaction server, transaction security encryption guarantee, system network management access and the like. The system comprises a deposit access module, an order receiving access module, an order placing access module, a resource access module and an account checking access module, wherein the deposit access module is used for opening an account for a newly registered seller user, the order receiving access module is used for recording an order generated by a transaction server, the order placing access module is used for receiving the order reported by the transaction server, the resource access module is used for carrying out resource transfer processing on the order of the transaction server or the seller user, and the account checking access module is used for checking the account with the transaction server.

The business processing layer is responsible for completing actual business logic, including information management and information docking work, receipt work, settlement work related to receipt work and the like of the seller users. The management unit is used for managing the seller users, the order receiving unit is used for recording the generated orders into the database, the order placing unit is used for recording the reported orders into the database, the settlement unit is used for carrying out resource transfer processing on the orders, the bill distributing unit is used for distributing the acquired resources for the transaction server, and the money requesting unit is used for distributing the acquired resources for the seller users.

The storage layer is mainly responsible for storing relevant service data, wherein the user identification database stores information of seller users, the second order database stores recorded orders, the first order database stores reported orders, the settlement order database stores processed orders, and the service data log stores service data.

The business processing layer can store the information or the order of the seller user for the storage layer by adopting the queue. Namely, the business processing layer may set a queue for storing information of the seller users, store information of newly registered seller users in the user identification database through the queue, set an order receiving queue, store a specified order carried by an order receiving request in the second order database through the queue, set a queue for reporting the order, store a specified order carried by an order reporting request in the first order database through the queue, set a queue for storing processed orders, and store the processed orders in the settlement order database through the queue. The queues can adopt synchronous queues or asynchronous queues, the consistency can be enhanced by adopting the synchronous queues, the flexibility can be improved by adopting the asynchronous queues, and the specific queue can be determined according to the service requirement.

The control layer is inserted in the whole system, mainly verifies the service work and is responsible for judging the compliance, the authenticity and the consistency of the whole resource link.

The core logic of the control layer comprises the following four parts:

1. ordering admission control: the logic of the part takes the internal order receiving information as the admission judgment standard for ordering, namely that each reported order to be processed has only one associated order and the only associated order is consistent with the order. As shown in fig. 6B, the reported order is consistent with the order included in the second order database.

2. And (3) admission control processing: the logic of the part is mainly responsible for the orders to be processed sent by the trading platform, and the total resource quantity requested to be processed does not exceed the total resource quantity of the associated order receiving. As shown in FIG. 6B, the resource amount of the processed order does not exceed the resource amount of the order in the first order database.

3. Accounting admission control: the logic of the part is mainly responsible for judging the fee deduction proportion of the platform and the consistency of the seller users. If other non-order-receiving pending resources (platform marketing, freight subsidy) and the like need to be matched with the service data provided by the platform.

4. And (3) admission control of fund: and after the seller user requests to settle all the resources to be processed, the seller user is responsible for completing the verification of the number of the resources of the seller in an internal account, and the seller can be admitted only when the requested amount does not exceed the transferable amount. As shown in FIG. 6B, the amount of resources requested to be processed by the seller user does not exceed the amount of resources of the seller user in the first order database.

In summary, the operation flow related to the embodiment of the present invention includes:

1. after the buyer user initiates the transaction, the third-party server completes the order collection, and the transaction resource enters an intermediate account on the third-party server. The resources are acquired by selling commodities on the platform of the transaction server by the seller users, and ownership of the resources belongs to the seller users, so that the transaction server has no actual control over the resources.

2. The transaction server pays a commission fee for all ordering services of the third-party server, and the resource is borne by the transaction server, so that the balance account of the transaction server needs to be transferred to the intermediate account.

3. The transaction server provides corresponding marketing activities, promotion benefits and the like for the development of the seller users, the resources are born by the transaction server and transferred to the seller users, and the resources also need to be transferred to an intermediate account from a balance account of the transaction server and then transferred to an account of the seller users.

4. In the process that the transaction server receives confirmation of the receipt of the buyer user or the settlement to the seller on time, the transaction server provides a transaction platform and a channel, so that part of resources are extracted from the transaction server, the resources belong to the transaction server and need to be transferred from the intermediate account to the payment account.

5. When a seller user initiates a processing request for funds to be settled, the seller user requests to transfer resources into a registered account, a transaction server initiates a settlement-instead request to a third-party server, the resources of an intermediate account are transferred to the account of the seller user, and the actual resource delivery is completed.

In the above, for the complete resource flow process, on the resource flow, the third-party server reserves the association information on the whole resource transfer link, which includes: seller user information (information that the seller user records at the stage of enrollment), an account of the seller that is a party at the time of settlement of the credit or an account of the transaction server, and the like. These pieces of information are used by the third-party server to perform in-flight and post-event verification work on resource changes occurring in the system.

Moreover, the transaction server can record all resource types (such as guarantee deposit, marketing money, handling fee, advertising fee, penalty fee and the like) to the third-party server in advance, and meanwhile, when the deduction transfer is requested, the deduction type needs to be marked, and a corresponding certificate is generated for checking.

The third party server may, if necessary, require the transaction server to provide an independent audit report that the managed vendor user should collaborate. The independent audit report confirms that the service request initiated at the transaction server side should have real evidence for real transaction initiated by the buyer user and the seller user.

Fig. 7 is a schematic structural diagram of a resource transfer apparatus according to an embodiment of the present invention. Referring to fig. 7, the apparatus includes:

a receiving module 701, configured to execute the process of receiving the first processing request in step 305;

a quantity allocation module 702, configured to perform the process of determining the first specified resource quantity in step 305;

a resource transfer module 703, configured to execute the process of performing resource transfer in step 305;

optionally, the quantity allocation module 702 is configured to perform the step of calculating the product of the quantity of the resource and the first allocation ratio.

Optionally, the determining module is configured to perform at least one of the steps 3051-3053.

Optionally, the receiving module 701 is further configured to execute the process of receiving the second processing request in step 404;

the quantity allocation module 702 is further configured to perform the process of determining the second specified quantity of resources in step 405;

the resource transfer module 702 is further configured to perform the process of resource transfer in step 405.

Optionally, the quantity allocation module 702 is configured to perform the step of calculating a product of the quantity of the resource and the second allocation ratio.

Optionally, the apparatus further comprises a determining module, which is configured to perform at least one of the steps 4041 and 4042.

Optionally, the receiving module 701 is further configured to execute the process of receiving the order receipt request in step 204.

The device also includes: and a listing module, configured to perform the process of listing the order in step 204.

The resource transfer module 702 is further configured to perform the process of transferring the resource corresponding to the resource quantity from the account identified by the first user to the intermediate account in step 204.

Optionally, the receiving module 701 is further configured to execute a process of receiving an order reporting request in the step 302 or 402;

the device also includes: and the receiving and recording module is used for executing the process of receiving and recording the order in the step 302 or 402.

Optionally, the apparatus further includes a determining module, configured to execute the process of determining whether the second order database includes the specified order in step 302.

Optionally, the quantity allocation module 702 is further configured to perform a process of calculating a product of the quantity of the resource and the third allocation ratio;

the resource transfer module 702 is further configured to perform the above-mentioned process of transferring the resource corresponding to the third specified resource quantity from the balance account to the intermediate account.

Optionally, the receiving module 701 is further configured to receive a resource issuing request;

the resource transfer module 702 is configured to issue a resource according to the resource issue request.

All the above optional technical solutions may be combined arbitrarily to form the optional embodiments of the present disclosure, and are not described herein again.

It should be noted that: in the resource transfer device provided in the foregoing embodiment, only the division of the functional modules is illustrated when resource transfer is performed, and in practical applications, the function distribution may be completed by different functional modules according to needs, that is, the internal structure of the third-party server is divided into different functional modules to complete all or part of the functions described above. In addition, the resource transfer apparatus and the resource transfer method provided in the foregoing embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Fig. 8 is a schematic structural diagram of a server 800 according to an embodiment of the present invention, where the server 800 may have a relatively large difference due to different configurations or performances, and may include one or more Central Processing Units (CPUs) 822 (e.g., one or more processors) and a memory 832, and one or more storage media 830 (e.g., one or more mass storage devices) for storing applications 842 or data 844. Memory 832 and storage medium 830 may be, among other things, transient or persistent storage. The program stored in the storage medium 830 may include one or more modules (not shown), each of which may include a series of instruction operations for the server. Still further, a central processor 822 may be provided in communication with the storage medium 830 for executing a series of instruction operations in the storage medium 830 on the server 800.

The Server 800 may also include one or more power supplies 826, one or more wired or wireless network interfaces 850, one or more input-output interfaces 858, one or more keyboards 856, and/or one or more operating systems 841, such as a Windows Server^TM，Mac OS X^TM，Unix^TM，Linux^TM，FreeBSD^TMAnd so on.

The server 800 may be configured to perform the steps performed by the third-party server in the resource transfer method provided in the foregoing embodiment.

The embodiment of the present invention further provides a third-party server, where the third-party server includes a processor and a storage medium, where the storage medium stores at least one instruction, and the instruction is loaded and executed by the processor to implement the operation performed by the third-party server in the resource transfer method according to the above embodiment.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

1. A method of resource transfer, performed by a third party server, the method comprising:

receiving an order receiving request sent by a transaction server when a specified order is generated, wherein the order receiving request carries the specified order, and the specified order comprises target object information, a first user identification for requesting to obtain the target object, a second user identification for providing the target object and a resource quantity corresponding to the target object information;

recording the appointed order into a second order database, wherein the second order database is used for storing the order generated by the transaction server;

transferring the resource corresponding to the resource quantity from the account of the first user identifier to an intermediate account of the transaction server, wherein the intermediate account is an account maintained by the third-party server for the transaction server, and the transaction server does not have the authority to transfer the resource from the intermediate account;

receiving an order reporting request sent by the transaction server, wherein the order reporting request carries the specified order to be processed;

when the second order database comprises the appointed order, recording the appointed order into a first order database, wherein the first order database is used for storing the order to be processed;

receiving a first processing request sent by the transaction server, wherein the first processing request carries the designated order, and the first processing request is used for requesting resource transfer processing on resources corresponding to the second user identifier;

when the first order database comprises the specified orders, determining a first specified resource quantity which is required to be allocated to the account of the second user identification in the resource quantity;

and transferring the resources corresponding to the first appointed resource quantity from the intermediate account of the transaction server to the account of the second user identification.

2. The method of claim 1, wherein determining a first specified one of the resource amounts that should be allocated to the account of the second user identity comprises:

and calculating the product of the resource quantity and a first allocation proportion to obtain the first specified resource quantity, wherein the first allocation proportion is the resource quantity proportion extracted from the order by the second user identifier.

3. The method of claim 1, wherein after receiving the first processing request sent by the transaction server, the method further comprises:

4. The method of claim 1, wherein after receiving the first processing request sent by the transaction server, the method further comprises:

judging whether the resource quantity is larger than the resource quantity of the order to be processed of the second user identifier in the first order database;

and if the resource quantity is not greater than the resource quantity of the order to be processed of the second user identifier in the first order database, judging whether the first order database comprises the specified order.

5. The method of claim 1, wherein after receiving the first processing request sent by the transaction server, the method further comprises:

judging whether a user identification database comprises the second user identification or not, wherein the user identification database is used for storing a verified target object to provide the user identification;

6. The method according to any one of claims 1-5, further comprising:

receiving a second processing request sent by the trading server, wherein the second processing request carries the designated order and is used for requesting resource transfer processing on resources corresponding to the trading server;

when the first order database comprises the specified orders, determining a second specified resource quantity which is required to be allocated to a balance account of the trading server in the resource quantity;

transferring the resource corresponding to the second designated resource amount from the intermediate account to the balance account.

7. The method of claim 6, wherein determining a second specified one of the resource amounts to be allocated to a balance account of the transaction server comprises:

and calculating the product of the quantity of the resources and a second distribution proportion to obtain the second specified quantity of the resources, wherein the second distribution proportion is the quantity proportion of the resources extracted from the generated order by the trading server.

8. The method of claim 1, wherein after receiving the order reporting request sent by the transaction server, the method further comprises:

calculating the product of the resource quantity and a third allocation proportion to obtain a third specified resource quantity, wherein the third allocation proportion is the resource quantity proportion which needs to be extracted by the third-party server when the transaction server reports the order;

and transferring the resources corresponding to the third appointed resource quantity from the balance account of the transaction server to the account of the third party server.

9. The method of claim 1, further comprising:

receiving a resource issuing request sent by the transaction server, wherein the resource issuing request is used for requesting to issue a resource corresponding to a fourth specified resource quantity for the second user identifier;

transferring the resource corresponding to the fourth designated resource quantity from the balance account of the transaction server to the intermediate account;

10. A resource transfer apparatus, configured to a third-party server, the apparatus comprising:

the receiving module is used for receiving an order receiving request sent by a transaction server when a specified order is generated, wherein the order receiving request carries the specified order, and the specified order comprises target object information, a first user identifier for requesting to obtain the target object, a second user identifier for providing the target object and the resource quantity corresponding to the target object information;

the receiving and recording module is used for receiving and recording the specified order into a second order database, and the second order database is used for storing the order generated by the trading server;

a resource transfer module, configured to transfer the resource corresponding to the resource amount from an account of the first user identifier to an intermediate account of the transaction server, where the intermediate account is an account maintained by the third-party server for the transaction server, and the transaction server does not have a right to transfer the resource from the intermediate account;

the receiving module is further configured to receive an order reporting request sent by the transaction server, where the order reporting request carries the specified order to be processed;

the receiving and recording module is further configured to receive and record the designated order in a first order database when it is determined that the second order database includes the designated order, where the first order database is used to store an order to be processed;

the receiving module is further configured to receive a first processing request sent by the transaction server, where the first processing request carries the specified order, and the first processing request is used to request resource transfer processing on a resource corresponding to the second user identifier;

the quantity distribution module is used for determining a first specified resource quantity which is required to be distributed to the account of the second user identification in the resource quantity when the first order database comprises the specified order;

and the resource transfer module is used for transferring the resource corresponding to the first appointed resource quantity from the intermediate account of the transaction server to the account of the second user identification.

11. The apparatus of claim 10, wherein the quantity allocation module is configured to calculate a product of the quantity of the resource and a first allocation ratio to obtain the first specified quantity of the resource, and the first allocation ratio is a ratio of the quantity of the resource extracted from the order by the second subscriber identity.

12. The apparatus of claim 10, further comprising:

a judging module, configured to judge whether the number of orders carried by the first processing request is greater than the number of orders to be processed by the second user identifier in the first order database if the first processing request carries multiple specified orders;

the determining module is further configured to determine whether the first order database includes the specified order if the number of orders carried by the first processing request is not greater than the number of orders to be processed by the second user identifier in the first order database.

13. The apparatus of claim 10, further comprising:

the judging module is used for judging whether the resource quantity is larger than the resource quantity of the order to be processed of the second user identifier in the first order database;

the judging module is further configured to judge whether the first order database includes the specified order if the resource quantity is not greater than the resource quantity of the order to be processed by the second user identifier in the first order database.

14. The apparatus of claim 10, further comprising:

the judging module is used for judging whether the second user identification is included in a user identification database, and the user identification database is used for storing a verified target object to provide the user identification;

the judging module is further configured to judge whether the first order database includes the designated order if the user identifier database includes the second user identifier.

15. The apparatus according to any one of claims 10 to 14,

the receiving module is configured to receive a second processing request sent by the trading server, where the second processing request carries the specified order, and the second processing request is used to request resource transfer processing on a resource corresponding to the trading server;

the quantity distribution module is used for determining a second specified resource quantity which is required to be distributed to a balance account of the trading server in the resource quantities when the first order database comprises the specified order;

the resource transfer module is configured to transfer the resource corresponding to the second specified resource amount from the intermediate account to the balance account.

16. The apparatus of claim 15, wherein the quantity allocation module is configured to calculate a product of the quantity of the resource and a second allocation proportion, the second allocation proportion being a proportion of the quantity of the resource extracted by the trading server from the generated order, to obtain the second designated quantity of the resource.

17. The apparatus of claim 10,

the quantity distribution module is used for calculating the product of the resource quantity and a third distribution proportion to obtain a third specified resource quantity, wherein the third distribution proportion is the resource quantity proportion which needs to be extracted by the third-party server when the transaction server reports the order;

the resource transfer module is further configured to transfer the resource corresponding to the third specified resource quantity from the balance account of the transaction server to the account of the third party server.

18. The apparatus of claim 10,

the receiving module is configured to receive a resource issuing request sent by the transaction server, where the resource issuing request is used to request to issue a resource corresponding to a fourth specified resource quantity for the second user identifier;

the resource transfer module is configured to transfer the resource corresponding to the fourth specified resource quantity from the balance account of the transaction server to the intermediate account, and transfer the resource corresponding to the fourth specified resource quantity from the intermediate account to the account of the second user identifier.

19. A third party server, comprising a processor and a storage medium having stored therein at least one instruction, the instruction being loaded and executed by the processor to implement the method of resource transfer according to any one of claims 1 to 9.