CN109711824A - Resource transfers method, apparatus, computer equipment and storage medium - Google Patents
Resource transfers method, apparatus, computer equipment and storage medium Download PDFInfo
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- CN109711824A CN109711824A CN201910002115.7A CN201910002115A CN109711824A CN 109711824 A CN109711824 A CN 109711824A CN 201910002115 A CN201910002115 A CN 201910002115A CN 109711824 A CN109711824 A CN 109711824A
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Abstract
This application involves a kind of resource transfers method, apparatus, computer equipment and storage mediums based on encryption technology field.The described method includes: obtaining resource receives the resource transfers request that terminal is sent based on transfer protocol, resource transfers request includes consumer's account and recipient's account, transfer protocol is signed in advance by resource reception terminal by consumer's terminal and recipient's account by consumer's account and is formed and stored in resource reception terminal, resolving resource transfer request, obtain consumer's account and transfer protocol, after verifying recipient's account with transfer permission according to transfer protocol, inquire the corresponding transfer channel of consumer's account, the resource of consumer's account is transferred to recipient's account by shifting channel.It can be improved the working efficiency of Platform Server using this method.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of resource transfers method, apparatus, computer equipment and
Storage medium.
Background technique
With the development of network technology, also rapidly developed in payment technical field, payment mode is from traditional line
Under pay in cash on line e-payment development.In e-payment on line, there are one kind to withhold service, in user, quotient
After family and agent sign tripartite agreement, can automatically by the resource transfers in user on line stored value card to trade company,
In, agent can be bank, Alipay, wechat etc..By taking telephone expenses are withheld as an example, user requests operator to the generation of designated number
Button service with upper calling and jumps to Alipay platform, signs in Alipay platform and withhold agreement, withholds agreement signing
Afterwards, reach withhold trigger condition when, Alipay is automatically by user's Stored Value resource transfers to operator.Under this mode, agreement
Storage be all at agential platform end, it is big to the pressure of Platform Server when portfolio is big, to reduce platform
The working efficiency of server.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide one kind be able to solve portfolio it is big when Platform Server work
Make resource transfers method, apparatus, computer equipment and the storage medium of low efficiency problem.
A kind of resource transfers method, which comprises
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes disappearing
The side's of expense account and recipient's account；The transfer protocol is connect by consumer's terminal and recipient by resource by consumer's account
Receipts terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, it is corresponding to inquire consumer's account
Shift channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
In one of the embodiments, further include: the calling for receiving the authentication interface that the resource receives terminal transmission refers to
It enables；Wherein, the call instruction is the agreement signing request that the resource receives that terminal receives consumer's terminal transmission
Shi Shengcheng's；It includes consumer's account and recipient's account in request that the agreement, which is signed,；According to the call instruction, connect
It receives the resource and receives recipient's account and consumer's account that terminal is sent by the authentication interface；According to pre-
The Encryption Algorithm being first arranged encrypts recipient's account and consumer's account, obtains protocol sequence number；By institute
It states protocol sequence number and the resource reception terminal is sent to by the authentication interface, so that the resource receives terminal according to institute
It states protocol sequence number and pre-set model agreement generates the transfer protocol and is stored in resource and receives terminal.
In one of the embodiments, further include: parse the transfer protocol, obtain the agreement of the transfer protocol
Sequence number；The protocol sequence number is decrypted according to the decipherment algorithm being first arranged, obtains recipient's account to be verified；Work as institute
State recipient's account to be verified it is consistent with recipient's account when, determine recipient's account have transfer permission, inquiry
The corresponding transfer channel of consumer's account.
In one of the embodiments, further include: the protocol sequence number is decrypted according to the decipherment algorithm, is obtained
To consumer's account to be verified；Judge whether consumer's account to be verified and consumer's account are consistent；If so, really
Recognize the corresponding transfer channel of inquiry consumer's account.
In one of the embodiments, further include: send transfer instruction to the transfer channel；Receive the transfer channel
According to the resource of consumer's account of transfer instruction transfer；After prefixed time interval, extremely by the resource transfers
Recipient's account.
In one of the embodiments, further include: receive the transfer receipt that the transfer channel is sent；The transfer receipt
It is corresponding with the resource；The transfer receipt is marked according to pre-set time tag；Institute is detected according to the time tag
State whether transfer receipt reaches prefixed time interval；If so, by the corresponding resource transfers of the time tag to described
Recipient's account.
It in one of the embodiments, include: resource transfers type in the transfer protocol；Further include: in the time
In interval, when receiving the core school instruction that consumer's terminal is sent, instructed according to the core school, Xiang Suoshu resource receives
Terminal request obtains the transfer protocol；The transfer protocol is parsed, the resource transfers class in the transfer protocol is obtained
Type；The resource according to the pre-stored data receives the qualification information and the resource transfers type of terminal, determines the transfer association
Whether discuss legal；When illegal, then according to the transfer receipt, by the resource transfers to consumer's terminal.
A kind of resource transfers device, described device include:
Request receiving module receives the resource transfers request that terminal is sent based on transfer protocol for obtaining resource, described
Resource transfers request includes consumer's account and recipient's account；The transfer protocol passes through consumer's terminal by consumer's account
It is signed in advance with recipient by resource reception terminal and is formed and stored in resource reception terminal；
Request analysis module obtains consumer's account and transfer association for parsing the resource transfers request
View；
Channel enquiry module inquires institute after verifying recipient's account with transfer permission according to the transfer protocol
State the corresponding transfer channel of consumer's account；
Shift module, for the resource of consumer's account to be transferred to recipient's account by the transfer channel.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes disappearing
The side's of expense account and recipient's account；The transfer protocol is connect by consumer's terminal and recipient by resource by consumer's account
Receipts terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, it is corresponding to inquire consumer's account
Shift channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes disappearing
The side's of expense account and recipient's account；The transfer protocol is connect by consumer's terminal and recipient by resource by consumer's account
Receipts terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, it is corresponding to inquire consumer's account
Shift channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
Above-mentioned resource transfers method, apparatus, computer equipment and storage medium are received by the way that transfer protocol is saved resource
Terminal, so that Platform Server be avoided to save transfer protocol, and the work of calling branch protocol impact Platform Server at any time
On the other hand efficiency in resource transfers, receives terminal by resource and sends transfer instruction, platform service according to transfer protocol
Device authenticates transfer instruction, after certification passes through, completes resource transfers, and the process of whole process, Platform Server processing is few,
When portfolio increases, Platform Server can still keep higher treatment effeciency.
Detailed description of the invention
Fig. 1 is the application scenario diagram of resource transfers method in one embodiment；
Fig. 2 is the flow diagram of resource transfers method in one embodiment；
Fig. 3 is the flow diagram of the generating mode of transfer protocol in one embodiment；
Fig. 4 is the flow diagram of resource transfers method in another embodiment；
Fig. 5 is the structural block diagram of resource transfers device in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Resource transfers method provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, resource connects
It receives terminal 102 to be communicated with server 104 by network by network, consumer's terminal 106 is received by network and resource
Terminal 102 is communicated.Wherein, resource receives terminal 102 and consumer's terminal 106 and can be, but not limited to be various individual calculus
Machine, laptop, smart phone, tablet computer and portable wearable device, server 104 can use independent server
The either server cluster of multiple servers composition is realized.
Wherein, resource, which receives in terminal 102 and consumer's terminal 106, can run application program, consumer's terminal 106
When middle operation application program, terminal 102 is received with resource and signs transfer protocol.Application program is run in consumer's terminal 102 to visit
Ask that resource receives the corresponding resource of terminal 102 reception server and transfer protocol is stored in resource and is connect after signing transfer protocol
It receives in server.
Specifically, when transferring resources, resource receives 102 calling branch agreement of terminal, generated based on transfer protocol
Resource transfers request, the verifying interface that then request server 104 provides, and resource transfers request is sent by verifying interface
To server 104.
After server 104 receives resource transfers request, resolving resource transfer request determines consumer's account and transfer protocol
Content, then by transfer protocol verify to resource receive terminal 102 carry out Authority Verification, after being verified, inquiry consumption
The corresponding transfer channel of square account, so that the resource of consumer is transferred to recipient's account by shifting channel.
In one embodiment, as shown in Fig. 2, providing a kind of resource transfers method, it is applied in Fig. 1 in this way
It is illustrated for server, comprising the following steps:
Step 202, it obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol.
Wherein, resource transfers request includes consumer's account and recipient's account, and consumer's account is by consumer's end
When end carries out account registration in the server, server distributes to the account of consumer's terminal, and similarly, recipient's account is to pass through
When resource reception terminal carries out account registration in the server, server distributes to the account that resource receives terminal.
Specifically, transfer protocol is to receive terminal label by resource by consumer's terminal and recipient by consumer's account
It orders and is formed and stored in resource reception terminal.Transfer protocol is a kind of electronic protocol, and resource receives in terminal and pre-saved association
View template calls the model agreement when signing transfer protocol, receives terminal by resource and consumer's terminal authenticates jointly,
Transfer protocol is set to come into force.
In addition, resource, which receives, can store the corresponding transfer protocol with multiple consumer's terminals in terminal, resource is received eventually
End can generate the resource transfers request for corresponding to consumer's terminal according to transfer protocol, specifically, can be with Batch sending resource
The mode of transfer request realizes bulk resource transfers.
Step 204, resolving resource transfer request obtains consumer's account and transfer protocol.
Server solves resource transfers request in the resource transfers request for receiving the transmission of resource transfers terminal
Analysis obtains the consumer's account and transfer protocol that include in resource transfers request, is identified with this to resource transfers request,
It determines and the feedback made is requested to the resource transfers.
In addition, server, which can receive terminal according to resource, sends resource transfers request confirmation recipient's account, thus really
Recognize the recipient's account and consumer's account of resource transfers.
It sends specifically, transfer protocol can receive when terminal sends resource transfers request in resource, is realized in another kind
In mode, resource, which receives terminal, can simplify transfer protocol, remove the sentence of structuring in transfer protocol, only extract and protect
Information important when row resource transfers is deposited into, resource reception terminal needs calling branch agreement at this time, by transfer protocol
Content carries out identification extraction, is then constructed again to transfer protocol, and light-weighted transfer protocol is formed, then will be light-weighted
Transfer protocol is sent to server, and server only needs to parse light-weighted transfer protocol, obtains required information.
Step 206, after verifying recipient's account with transfer permission according to transfer protocol, inquiry consumer's account is corresponding
Shift channel.
Wherein, transfer permission refers to whether recipient's account has the permission for executing the transfer protocol.There is the power
In limited time, server continues to execute resource transfers operation, if do not have the permission, does not execute the operation of resource transfers, and will
As a result it feeds back to resource and receives terminal.
Specifically, recipient's account is that registration generates in the server, therefore can confirm recipient when account is registered
The permission that account has, when carrying out permission detection, server can be confirmed whether recipient's account has transfer permission.
Consumer's account is that registration generates in the server, therefore consumer can be arranged when consumer's account is registered
The transfer channel of account, transfer channel can be one, also can be set multiple.When it is multiple for shifting channel, can choose
Transfer channel workable for one carries out resource transfers, can be according to transfer canal when there are multiple workable transfer channels
The priority in road, the transfer channel for selecting priority high.
Step 208, the resource of consumer's account is transferred to recipient's account by shifting channel.
Wherein, resource is to can be a kind of Internet resources, and after resource transfers to recipient's account, which is no longer belong to
Consumer's account, equally, recipient's account can also therefore can basis by the resource transfers to other recipient's accounts
The resource transfers request which end is sent, determines recipient's account.
Specifically, the resource of consumer's account can distribute in each transfer channel, need to utilize in consumer's account
When resource, the transfer of resource in transfer channel can be carried out by corresponding transfer channel.
In above-mentioned resource transfers method, terminal is received by the way that transfer protocol is saved resource, to avoid Platform Server
Transfer protocol, and the working efficiency of calling branch protocol impact Platform Server at any time are saved, on the other hand, in resource transfers
When, terminal is received by resource, transfer instruction is sent according to transfer protocol, Platform Server authenticates transfer instruction, authenticates
By rear, the process of completion resource transfers, whole process, Platform Server processing is few, when portfolio increases, Platform Server
Higher treatment effeciency can still be kept.
In one embodiment, as shown in figure 3, providing a kind of schematic flow chart of the generating mode of transfer protocol, specifically
Steps are as follows:
Step 302, the call instruction that resource receives the authentication interface that terminal is sent is received.
Wherein, call instruction is that resource receives generation when terminal receives the agreement signing request of consumer's terminal transmission
's；It includes consumer's account and recipient's account in request that agreement, which is signed,.
In addition, authentication interface is the open interface that server provides, resource is received terminal and can be somebody's turn to do with request call
Authentication interface.
Step 304, it according to call instruction, receives resource and receives the recipient's account and institute that terminal is sent by authentication interface
State consumer's account.
Step 306, recipient's account and consumer's account are encrypted according to pre-set Encryption Algorithm, is assisted
Discuss sequence number.
It can fix in server and be encrypted using a kind of Encryption Algorithm, a variety of different Encryption Algorithm can also be used
It is encrypted, when receiving call instruction, one of Encryption Algorithm is selected from multiple encryption algorithms to recipient
Account and consumer's account encrypt.Specifically, can be encrypted using hash algorithm, the agreement sequence of presetting digit capacity is obtained
Row number.
Step 308, protocol sequence number is sent to resource by authentication interface and receives terminal, so that resource receives terminal root
Transfer protocol, which is generated, according to protocol sequence number and pre-set model agreement and is stored in resource receives terminal.
Wherein, after resource reception terminal receives protocol sequence number, while model agreement is got, utilizes protocol sequence
Number model agreement is marked, script is generated by pre-set agreement, transfer protocol can be generated.Transfer protocol storage
Terminal, which is received, in resource refers to that transfer protocol receives terminal by resource and saves.
In the present embodiment, transfer protocol only needs consumer's terminal and resource reception terminal to sign, and server only needs
The encryption that authentication interface transmits data is carried out using its Encryption Algorithm, therefore in whole process, is not necessarily to server, consumer
Terminal and resource receive terminal and both participate in signings, thus when reducing resource transfers, workflow in server mitigates and services
Device pressure.
In addition, the present embodiment carries out encryption formation sequence number using consumer's account and recipient's account, shifted in verifying
When the validity of agreement, the safety of resource transfers can be further promoted.
For step 302, in one embodiment, consumer's terminal can be the terminal that consumer is held, consumer's account
It is the account that consumer passes through consumer's endpoint to register in the server；Resource, which receives terminal, can be the terminal that trade company is held,
Recipient's account is that trade company receives the account that terminal is registered by resource in the server.Consumer and trade company reach consumption association
When view, the corresponding consumer's terminal of consumer receives terminal to the corresponding resource of trade company and sends agreement signing request, and resource receives
After terminal receives agreement signing request, agreement is signed in request and contains the information of consumer's account Yu recipient's account, resource
After receiving terminal reception agreement signing request, call instruction is generated.
For step 306, in one embodiment, Encryption Algorithm can be symmetry algorithm, and server is receiving consumer
When account and recipient's account, by symmetry algorithm, consumer's account and recipient's account is encrypted, protocol sequence is obtained
Number.Since symmetry algorithm saves in the server, outside can not parse protocol sequence number, thus guarantee agreement sequence number
Safety, can not forge, promote the safety of certification.
In another embodiment, Encryption Algorithm can be hash algorithm, then firstly the need of to recipient's account and consumption
Square account is combined, and obtains combination account, is then encrypted to combination account by hash algorithm, is obtained regular length
Protocol sequence number.In the present embodiment, the protocol sequence number of hash algorithm conversion can not carry out reversible transformation, therefore guarantee recipient
The safety of account and consumer's account also ensures that protocol sequence number can not be forged, promotes the safety of protocol sequence number.In addition,
In order to enable the server to identify the protocol sequence number, after generating protocol sequence number, needs to save protocol sequence number, receives
The corresponding relationship of square account and consumer's account, server, can be right according to corresponding relationship after receiving transfer protocol
Protocol sequence number is identified.
Specifically, can be combined by end to end mode to recipient's account and consumer's account, for example, connecing
Debit's account is AABB, and consumer's account is CCDD, then combination account is AABBCCDD, then passes through Hash to AABBCCDD
Algorithm for encryption is protocol sequence number.
In addition, the mode being combined, can also be the mode of interpolation, and such as: after interpolation, combination account is
Then ACACBDBD is encrypted as protocol sequence number by hash algorithm to ACACBDBD.
In one embodiment, since hash algorithm is the binary sequence for converting specified data to preset length,
Protocol sequence number is binary sequence, when resource receives terminal and transfer protocol is printed to papery transfer protocol, can will be assisted
View sequence number is converted into two dimensional code or bar code, therefore, when the picture of papery transfer protocol is inputted server, server
It can identify that two dimensional code or bar code identify the true and false of papery transfer protocol with this.
In one embodiment, whether there can be transfer permission by a under type inquire-receive side account: parsing transfer
Agreement obtains the protocol sequence number of transfer protocol, and protocol sequence number is decrypted according to the decipherment algorithm being first arranged, obtain to
Recipient's account is verified, when recipient's account to be verified is consistent with recipient's account, determines that recipient's account has transfer power
Limit, the corresponding transfer channel of inquiry consumer's account.The present embodiment is by parsing protocol sequence number, so that it is determined that receiving
Whether square account has transfer permission.
Specifically, when Encryption Algorithm is symmetry algorithm, by the corresponding confidentiality algorithm of the symmetry algorithm to protocol sequence number
It is decrypted, available recipient's account to be verified and consumer's account to be verified, it, can when due to receiving resource transfers request
To get recipient's account, therefore, whether recipient's account to be verified can be verified by recipient's account, in recipient's account
When number consistent with recipient's account to be verified, it can determine that recipient's account has transfer permission, then inquire consumer's account
Corresponding transfer channel.
In addition, decipherment algorithm can be protocol sequence number, recipient's account and disappear when Encryption Algorithm is hash algorithm
The corresponding relationship of the side's of expense account can obtain recipient's account and consumption according to corresponding relationship when receiving protocol sequence number
Square account.
In order to further enhance the safety of resource transfers, in another specific example in real time, according to decipherment algorithm to agreement
Sequence number is decrypted, and also obtains consumer's account to be verified, judges whether consumer's account to be verified is consistent with consumer, if
It is then to confirm the corresponding transfer channel of inquiry consumer's account.
In one embodiment, as shown in figure 4, providing the schematic flow chart of another resource transfers method, specific steps
It is as follows:
Step 402, transfer instruction is sent to transfer channel.
Transfer channel can be bank, and perhaps halfpace transfer instruction can be the finger of withholing of bank or halfpace
It enables.
Step 404, the resource for consumer's account that transfer channel is shifted according to transfer instruction is received.
It shifts channel and feeds back transfer instruction, withhold to the resource of consumer's account, gained resource transfers to server
In.
Step 406, after prefixed time interval, by resource transfers to recipient's account.
When prefixed time interval refers to receiving resource, until time interval.
In the present embodiment, by transfer instruction, resource of consumer's terminal in transfer channel is transferred, and be stored in service
In device, server is by for a period of time and then by resource transfers to recipient's account, may further ensure that resource conservation
The safety of transaction.
In one embodiment, transfer channel reception is to transfer instruction, and after completing resource transfers, to server transmission
Receipt is shifted, server receives transfer receipt, and transfer receipt is marked by time tag, passes through detection time label
It is confirmed whether to reach prefixed time interval, after reaching prefixed time interval, by the corresponding resource transfers of time tag to reception
Square account.
In another embodiment, it when resource reception terminal registers recipient's account in the server, needs to register money simultaneously
Source transfering type can only sign the corresponding transfer protocol of resource transfers type when signing transfer protocol with consumer's terminal.?
In time interval, when receiving the core school instruction of consumer's terminal transmission, is instructed according to core school, receive terminal to resource and obtain
Transfer protocol parses transfer protocol, obtains the resource transfers type in transfer protocol, and resource according to the pre-stored data receives terminal
Qualification information and transfer protocol type, determine whether transfer protocol legal, when illegal, according to transfer receipt, by resource
Consumer's terminal of transfer.The present embodiment will be set as the Claims Resolution phase interval time, in order to prevent the production of illegal transfer protocol
It is raw.
Specifically, can send core school after consumer's terminal receives the information of resource transfers to server and instruct, be tested with this
Demonstrate,prove the authenticity of this resource transfers.
The present invention is carried out with a specific embodiment below to understand explanation.
Resource transfers terminal is the corresponding terminal of trade company, and consumer's terminal is the corresponding terminal of consumer, recipient's account
For trade company's account in server, consumer's account is consumer's account in server, in enrolled merchant account, is needed pair
The type of merchandise etc. of trade company should be limited, consumer's account is common account, and resource transfers, which can be, withholds payment.In addition, service
It include an API gateway and multiple function servers in device, each function server is provided which a kind of function to be supplied to quotient
Family account and consumer's account use, and the method for calling of function server is to be united by accessing API gateway by API gateway
One processing access instruction.When transferring resources, resource transfers request hair is generated based on transfer protocol in resource transfers terminal
API gateway is given, API gateway is verified and handled to resource transfers request, and resource transfers request is sent to the service of withholding
Device withholds server resolving resource transfer request, obtains trade company's account and consumer's account, by being parsed to transfer protocol,
Trade company's account and consumer's account are obtained, matching is compared by two parts of information, so that it is determined that this resource transfers is effective
Property.After being verified, consumer's account that server is obtained according to parsing is withheld, it is corresponding to obtain consumer's account in the server
Transfer channel, transfer channel can be bank or halfpace, then by transfer channel carry out resource transfers.In addition,
Transfer protocol is to receive terminal by resource to sign jointly with consumer's terminal, specifically, before resource transfers, consumer
Terminal sends agreement signing request to resource recipient, after resource reception terminal receives agreement signing request, to API gateway hair
Call request is sent, API gateway is verified and parsed to call request, and call request is sent to authentication server, verifying clothes
Business device parses to obtain the trade company's account and consumer's account for including in call request, then by trade company's account and consumer's account into
Row encryption obtains protocol sequence number, and protocol sequence number is sent to resource by API gateway and receives terminal, resource receives terminal root
According to protocol sequence number, model agreement and other information, transfer protocol is generated.
It should be understood that although each step in the flow chart of Fig. 2-4 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-4
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 5, providing a kind of resource transfers device, comprising: request receiving module 502,
Request analysis module 504, channel enquiry module 506 and shift module 508, in which:
Request receiving module 502 receives the resource transfers request that terminal is sent based on transfer protocol, institute for obtaining resource
Stating resource transfers request includes consumer's account and recipient's account；The transfer protocol passes through consumer's end by consumer's account
End and recipient are signed in advance by resource reception terminal is formed and stored in resource reception terminal.
Request analysis module 504 obtains consumer's account and the transfer for parsing the resource transfers request
Agreement.
Channel enquiry module 506, after verifying recipient's account with transfer permission according to the transfer protocol, inquiry
The corresponding transfer channel of consumer's account.
Shift module 508, for the resource of consumer's account to be transferred to recipient's account by the transfer channel
Number.
In one embodiment, further include agreement generation module, receive the certification that terminal is sent for receiving the resource
The call instruction of interface；Wherein, the call instruction is that the resource reception terminal receives consumer's terminal transmission
It is generated when agreement signing request；It includes consumer's account and recipient's account in request that the agreement, which is signed,；According to institute
Call instruction is stated, the resource is received and receives recipient's account and the consumption that terminal is sent by the authentication interface
Square account；Recipient's account and consumer's account are encrypted according to pre-set Encryption Algorithm, assisted
Discuss sequence number；The protocol sequence number is sent to the resource by the authentication interface and receives terminal, so that the resource
Terminal is received to generate the transfer protocol according to the protocol sequence number and pre-set model agreement and be stored in resource
Receive terminal.
In one embodiment, channel enquiry module 506 is also used to parse the transfer protocol, obtains the transfer protocol
The protocol sequence number；The protocol sequence number is decrypted according to the decipherment algorithm being first arranged, obtains reception to be verified
Square account；When recipient's account to be verified is consistent with recipient's account, determines that recipient's account has and turn
Permission is moved, the corresponding transfer channel of consumer's account is inquired.
In one embodiment, channel enquiry module 506 is also used to according to the decipherment algorithm to the protocol sequence number
It is decrypted, obtains consumer's account to be verified；Judge consumer's account to be verified and consumer's account whether one
It causes；If so, the corresponding transfer channel of consumer's account is inquired in confirmation.
In one embodiment, shift module 508 is also used to send transfer instruction to the transfer channel；Receive described turn
Move the resource for consumer's account that channel is shifted according to the transfer instruction；After prefixed time interval, by the resource
It is transferred to recipient's account.
In one embodiment, shift module 508 is also used to receive the transfer receipt that the transfer channel is sent；Described turn
Be moved back to hold it is corresponding with the resource；The transfer receipt is marked according to pre-set time tag；According to the time tag
Detect whether the transfer receipt reaches prefixed time interval；If so, by the corresponding resource transfers of the time tag
To recipient's account.
In one embodiment, include: resource transfers type in transfer protocol, further include core school module, for described
In time interval, when receiving the core school instruction that consumer's terminal is sent, instructed according to the core school, Xiang Suoshu resource
It receives terminal request and obtains the transfer protocol；The transfer protocol is parsed, the resource obtained in the transfer protocol turns
Move type；The resource according to the pre-stored data receives the qualification information and the resource transfers type of terminal, determines described turn
Whether legal move agreement；When illegal, then according to the transfer receipt, by the resource transfers to consumer's terminal.
Specific about resource transfers device limits the restriction that may refer to above for resource transfers method, herein not
It repeats again.Modules in above-mentioned resource transfers device can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing the data such as recipient's account, consumer's account.The network interface of the computer equipment is used for
It is communicated with external terminal by network connection.To realize a kind of resource transfers side when the computer program is executed by processor
Method.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of when executing computer program
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes disappearing
The side's of expense account and recipient's account；The transfer protocol passes through money by consumer's terminal and recipient's account by consumer's account
Source reception terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, it is corresponding to inquire consumer's account
Shift channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
In one embodiment, it is also performed the steps of when processor executes computer program and receives the resource reception
The call instruction for the authentication interface that terminal is sent；Wherein, the call instruction is that the resource reception terminal receives described disappear
It is generated when the agreement signing request that expense side's terminal is sent；It includes consumer's account and reception in request that the agreement, which is signed,
Square account；According to the call instruction, receives the resource and receive the recipient that terminal is sent by the authentication interface
Account and consumer's account；According to pre-set Encryption Algorithm to recipient's account and consumer's account into
Row encryption, obtains protocol sequence number；The protocol sequence number is sent to the resource by the authentication interface and receives terminal,
So that the resource, which receives terminal, generates the transfer protocol according to the protocol sequence number and pre-set model agreement
And it is stored in resource and receives terminal.
In one embodiment, the parsing transfer protocol is also performed the steps of when processor executes computer program,
Obtain the protocol sequence number of the transfer protocol；The protocol sequence number is solved according to the decipherment algorithm being first arranged
It is close, obtain recipient's account to be verified；When recipient's account to be verified is consistent with recipient's account, described in determination
Recipient's account has transfer permission, inquires the corresponding transfer channel of consumer's account.
In one embodiment, it also performs the steps of when processor executes computer program according to the decipherment algorithm
The protocol sequence number is decrypted, consumer's account to be verified is obtained；Judge consumer's account to be verified with it is described
Whether consumer's account is consistent；If so, the corresponding transfer channel of consumer's account is inquired in confirmation.
In one embodiment, it also performs the steps of when processor executes computer program and is sent out to the transfer channel
Send transfer instruction；Receive the resource for consumer's account that the transfer channel is shifted according to the transfer instruction；Default
After time interval, by the resource transfers to recipient's account.
In one embodiment, it is also performed the steps of when processor executes computer program and receives the transfer channel
The transfer receipt of transmission；The transfer receipt is corresponding with the resource；The transfer is marked according to pre-set time tag
Receipt；Detect whether the transfer receipt reaches prefixed time interval according to the time tag；If so, the time is marked
The corresponding resource transfers are signed to recipient's account.
It in one embodiment, include: resource transfers type in transfer protocol, processor goes back reality when executing computer program
Existing following steps: in the time interval, when receiving the core school instruction that consumer's terminal is sent, according to the core
School instruction, Xiang Suoshu resource receive terminal request and obtain the transfer protocol；The transfer protocol is parsed, the transfer association is obtained
The resource transfers type in view；The resource according to the pre-stored data receives the qualification information and the resource transfers of terminal
Type determines whether the transfer protocol is legal；When illegal, then according to the transfer receipt, extremely by the resource transfers
Consumer's terminal.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes disappearing
The side's of expense account and recipient's account；The transfer protocol passes through money by consumer's terminal and recipient's account by consumer's account
Source reception terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, it is corresponding to inquire consumer's account
Shift channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
In one embodiment, it is also performed the steps of when computer program is executed by processor
Receive the call instruction that the resource receives the authentication interface that terminal is sent；Wherein, the call instruction is described
What the agreement signing that resource reception terminal receives consumer's terminal transmission generated when requesting；The agreement is signed in request
Including consumer's account and recipient's account；According to the call instruction, receives the resource and receive terminal described in
The recipient's account and consumer's account that authentication interface is sent；According to pre-set Encryption Algorithm to the reception
Square account and consumer's account encrypt, and obtain protocol sequence number；The protocol sequence number is connect by the certification
Mouth is sent to the resource and receives terminal, so that the resource receives terminal according to the protocol sequence number and pre-set
Model agreement, which generates the transfer protocol and is stored in resource, receives terminal.
In one embodiment, the parsing transfer association is also performed the steps of when computer program is executed by processor
View, obtains the protocol sequence number of the transfer protocol；The protocol sequence number is carried out according to the decipherment algorithm being first arranged
Decryption, obtains recipient's account to be verified；When recipient's account to be verified is consistent with recipient's account, institute is determined
Stating recipient's account has transfer permission, inquires the corresponding transfer channel of consumer's account.
In one embodiment, it also performs the steps of when computer program is executed by processor and is calculated according to the decryption
The protocol sequence number is decrypted in method, obtains consumer's account to be verified；Judge consumer's account to be verified and institute
Whether consistent state consumer's account；If so, the corresponding transfer channel of consumer's account is inquired in confirmation.
In one embodiment, it is also performed the steps of when computer program is executed by processor to the transfer channel
Send transfer instruction；Receive the resource for consumer's account that the transfer channel is shifted according to the transfer instruction；Pre-
If after time interval, by the resource transfers to recipient's account.
In one embodiment, it is also performed the steps of when computer program is executed by processor and receives the transfer canal
The transfer receipt that road is sent；The transfer receipt is corresponding with the resource；Turn according to pre-set time tag label is described
It is moved back to and holds；Detect whether the transfer receipt reaches prefixed time interval according to the time tag；If so, by the time
The corresponding resource transfers of label are to recipient's account.
It in one embodiment, include: resource transfers type in transfer protocol, when computer program is executed by processor also
It performs the steps of in the time interval, when receiving the core school instruction that consumer's terminal is sent, according to described
The instruction of core school, Xiang Suoshu resource receive terminal request and obtain the transfer protocol；The transfer protocol is parsed, the transfer is obtained
The resource transfers type in agreement；The resource according to the pre-stored data receives the qualification information of terminal and the resource turns
Type is moved, determines whether the transfer protocol is legal；When illegal, then according to the transfer receipt, by the resource transfers
To consumer's terminal.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of resource transfers method, which comprises
It obtains resource and receives the resource transfers request that terminal is sent based on transfer protocol, the resource transfers request includes consumer
Account and recipient's account；The transfer protocol is connect by consumer's terminal and recipient's account by resource by consumer's account
Receipts terminal is signed in advance is formed and stored in resource reception terminal；
The resource transfers request is parsed, consumer's account and the transfer protocol are obtained；
After verifying recipient's account with transfer permission according to the transfer protocol, the corresponding transfer of consumer's account is inquired
Channel；
The resource of consumer's account is transferred to recipient's account by the transfer channel.
2. the method according to claim 1, wherein the generating mode of the transfer protocol, comprising:
Receive the call instruction that the resource receives the authentication interface that terminal is sent；Wherein, the call instruction is the resource
What the agreement signing that reception terminal receives consumer's terminal transmission generated when requesting；The agreement is signed in request
Consumer's account and recipient's account；
According to the call instruction, receives the resource and receive recipient's account that terminal is sent by the authentication interface
With consumer's account；
Recipient's account and consumer's account are encrypted according to pre-set Encryption Algorithm, obtain agreement sequence
Row number；
The protocol sequence number is sent to the resource by the authentication interface and receives terminal, so that the resource receives eventually
End generates the transfer protocol according to the protocol sequence number and pre-set model agreement and is stored in resource and receives eventually
End.
3. according to the method described in claim 2, turning it is characterized in that, verifying recipient's account according to the transfer protocol and having
After moving permission, the corresponding transfer channel of consumer's account is inquired, comprising:
The transfer protocol is parsed, the protocol sequence number of the transfer protocol is obtained；
The protocol sequence number is decrypted according to the decipherment algorithm being first arranged, obtains recipient's account to be verified；
When recipient's account to be verified is consistent with recipient's account, determine that recipient's account has transfer power
Limit, inquires the corresponding transfer channel of consumer's account.
4. according to the method described in claim 3, it is characterized in that, inquire the corresponding transfer channel of consumer's account it
Before, further includes:
The protocol sequence number is decrypted according to the decipherment algorithm, obtains consumer's account to be verified；
Judge whether consumer's account to be verified and consumer's account are consistent；
If so, the corresponding transfer channel of consumer's account is inquired in confirmation.
5. the method according to claim 1, wherein the resource of consumer's account is passed through the transfer canal
Road is transferred to recipient's account, comprising:
Transfer instruction is sent to the transfer channel；
Receive the resource for consumer's account that the transfer channel is shifted according to the transfer instruction；
After prefixed time interval, by the resource transfers to recipient's account.
6. according to the method described in claim 5, it is characterized in that, described after prefixed time interval, by the resource transfers
To recipient's account, comprising:
Receive the transfer receipt that the transfer channel is sent；The transfer receipt is corresponding with the resource；
The transfer receipt is marked according to pre-set time tag；
Detect whether the transfer receipt reaches prefixed time interval according to the time tag；
If so, by the corresponding resource transfers of the time tag to recipient's account.
7. method according to claim 5 or 6, which is characterized in that include: resource transfers type in the transfer protocol；
The method also includes:
In the time interval, it when receiving the core school instruction that consumer's terminal is sent, is instructed according to the core school,
Terminal request, which is received, to the resource obtains the transfer protocol；
The transfer protocol is parsed, the resource transfers type in the transfer protocol is obtained；
The resource according to the pre-stored data receives the qualification information and the resource transfers type of terminal, determines the transfer association
Whether discuss legal；
When illegal, then according to the transfer receipt, by the resource transfers to consumer's terminal.
8. a kind of resource transfers device, which is characterized in that described device includes:
Request receiving module receives the resource transfers request that terminal is sent based on transfer protocol, the resource for obtaining resource
Transfer request includes consumer's account and recipient's account；The transfer protocol by consumer's terminal and is connect by consumer's account
Debit is signed in advance by resource reception terminal is formed and stored in resource reception terminal；
Request analysis module obtains consumer's account and the transfer protocol for parsing the resource transfers request；
Channel enquiry module disappears described in inquiry after verifying recipient's account with transfer permission according to the transfer protocol
The corresponding transfer channel of the side's of expense account；
Shift module, for the resource of consumer's account to be transferred to recipient's account by the transfer channel.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| CN201910002115.7A CN109711824B (en) | 2019-01-02 | 2019-01-02 | Resource transfer method, device, computer equipment and storage medium |
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| CN109711824B (en) | 2022-10-25 |
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