CN110210732A

CN110210732A - Resource transfers method, apparatus, computer equipment and storage medium

Info

Publication number: CN110210732A
Application number: CN201910419264.3A
Authority: CN
Inventors: 罗俊; 邓远强
Original assignee: Ping An Bank Co Ltd
Current assignee: Ping An Bank Co Ltd
Priority date: 2019-05-20
Filing date: 2019-05-20
Publication date: 2019-09-06

Abstract

This application involves process optimization techniques, a kind of resource transfers method, apparatus, computer equipment and storage medium are provided.This method comprises: receiving the request for product request for carrying applicant's mark, product identification, applicant's account identification and provider's mark that applicant's terminal is sent；According to applicant mark to applicant carry out authorization check, when verification by after determine applicant's account identification Account Type；Resource transfers are carried out according to the corresponding resource transfers policing parameter of Account Type, and the resource that the corresponding resource providing server of applicant's account identification is transferred to is transferred to applicant's intermediate account；Request for product confirmation instruction is generated according to applicant's mark and product identification, request for product confirmation instruction is sent to provider and identifies corresponding provider's terminal；When receiving the confirmation message for agreeing application of provider's terminal feedback, by the resource transfers transferred to provider's account corresponding with provider's mark.Resource resource security can be improved using this method.

Description

Resource transfers method, apparatus, computer equipment and storage medium

Technical field

This application involves Internet technical field, more particularly to a kind of resource transfers method, apparatus, computer equipment and Storage medium.

Background technique

With the continuous development of Internet technology, internet financial service is had gradually developed, and is brought to people's life Many conveniences.The internet service platform that each financial institution is constructed by itself provides itself to other financial institutions or client Financial service product.This kind is directed to the service processing mode of financial service product, and each financial institution is needed to construct itself respectively Business platform increases platform construction cost, wastes computer resource.In addition, client needs to divide on multiple business platforms It does not register, needs to log in corresponding platform respectively when carrying out business processing and operated, increase operation complexity, reduce Trading efficiency.Finance business platform of the same trade or business comes into being as a result, and each financial institution can be real by finance business platform of the same trade or business It is now directed to the business processing of each financial service product, platform construction cost and computer resource is saved, reduces to a certain extent Operation complexity, improves business processing efficiency.

Currently, common finance business platform of the same trade or business is mainly the platform provided by scientific & technical corporation, client is in the business of progress Resource is transferred to mechanism, platform side when processing and carries out resource clearance in the settlement accounts that bank opens, the resource of client is by platform side Control, there are the risks of platform side's appropriate resources, to there is a problem of that resource resource security is low, not can guarantee the safety of resource Property.

Summary of the invention

Based on this, it is necessary in view of the above technical problems, provide a kind of resource transfers side that can be improved resource resource security Method, device, computer equipment and storage medium.

A kind of resource transfers method, which comprises

Receive the request for product request that applicant's terminal is sent；The request for product request carries applicant's mark, produces Product mark, applicant's account identification and provider's mark；

By the applicant mark with pre-configuration default identification list match, with according to matching result to applicant Carry out authorization check, when verification by after determine the corresponding Account Type of applicant's account identification；

According to the resource transfers policing parameter that Account Type inquiry is pre-configured, according to the resource transfers policing parameter Resource transfers processing is carried out, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to；

The resource is transferred into applicant's intermediate account to predistribution and corresponding with applicant mark；

Request for product confirmation instruction is generated according to applicant mark and the product identification, and by the request for product Confirmation instruction is sent to the provider and identifies corresponding provider's terminal；

When receiving the confirmation message for agreeing application of provider's terminal feedback, by applicant's transfer The resource transfers extremely provider's account corresponding with provider mark in account.

The request for product request also carries request for product element in one of the embodiments,；It is described according to The resource transfers policing parameter that Account Type inquiry is pre-configured, carries out at resource transfers according to the resource transfers policing parameter Reason, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to, comprising:

When the Account Type manages it account for him, the resource transfers strategy being pre-configured corresponding to the Account Type is determined Parameter is first resource transition strategy parameter；

According to the first resource transition strategy parameter, according to the request for product element, applicant's account identification It is identified with the applicant and generates resource transfers request；

Resource transfers request is sent to applicant's terminal；The resource transfers request sent is used to indicate Resource transfers request is shown by applicant's terminal, and in the resource transfers request pair for detecting with showing When the resource transfers trigger action answered, resource transfers request is sent to the corresponding resource of applicant's account identification and is mentioned For server；

Receive resource of the resource providing server corresponding to resource transfers request transfer.

When the Account Type is current row account, the resource transfers strategy being pre-configured corresponding to the Account Type is determined Parameter is Secondary resource transition strategy parameter；

According to the Secondary resource transition strategy parameter, applicant's account identification is carried to financial server transmission Inquiry instruction；

The financial server is received for the Account Type mark of inquiry instruction feedback, and is based on the account class Type mark determines the corresponding sub- Account Type of applicant's account identification；

Resource transfers request is generated according to the request for product element and applicant's account identification；

Resource providing server is determined based on the sub- Account Type, and resource transfers request is sent to the resource Server is provided, and receives the resource of the resource providing server transfer.

It is described in one of the embodiments, that request for product confirmation instruction is sent to provider's mark correspondence Provider's terminal after, the method also includes:

When receiving the confirmation message for agreeing application of provider's terminal feedback, by applicant's transfer The resource in account is transferred to system intermediate account；

Real-time detection present system time, when the present system time is consistent with the default triggered time, according to described Provider, which identifies, determines provider's account；

By resource transfers corresponding with provider's account in the system intermediate account to provider's account.

In one of the embodiments, before the request for product request for receiving the transmission of applicant's terminal, the method Further include:

Receive the registration request corresponding with applicant's mark that applicant's terminal is sent；The registration request carries authorization Voucher and seal information；

The authorized certificate and the seal information are pushed to business personnel's terminal to audit；

When the auditing result that the expression audit for receiving business personnel's terminal feedback passes through, transfer accounts in establishing resource The resource intermediate account is pre-assigned to the applicant as applicant's intermediate account and identifies corresponding applicant's end by family End.

The resource transfers by applicant's intermediate account are extremely mentioned with described in one of the embodiments, After supplier identifies corresponding provider's account, the method also includes:

Receive the resource bid request that applicant's terminal is sent；The resource bid request carries the applicant Mark, the product identification and resource receive account identification；

According to the pre-stored applicant's account identification of applicant mark and product identification inquiry；

When the resource receives account identification and inconsistent applicant's account identification, Xiang Suoshu applicant's terminal is anti- Feedback indicates the prompt information of supplement authorized certificate；

The authorized certificate for carrying seal information that applicant's terminal is sent is received, and the resource bid is requested Auditor terminal is sent to the authorized certificate to be checked；

When the review result that the expression review for receiving the auditor terminal feedback passes through, according to the resource bid Request executes resource transfers operation.

According to applicant mark, the product identification, applicant's account identification, provider mark, institute The resource for stating provider's account and transfer obtains resource transfers element；

Generate element storage request corresponding with the resource transfers element；

Element storage request is sent to block chain node；The element storage request sent is used to indicate described The resource transfers element is written in block chain according to the chain process that enters of pre-configuration for block chain link point.

A kind of resource transfers device, described device include:

Receiving module, for receiving the request for product request of applicant's terminal transmission；The request for product request carries Applicant's mark, product identification, applicant's account identification and provider's mark；

Correction verification module, for matching applicant mark with the default identification list being pre-configured, with basis Authorization check is carried out to applicant with result, when verification by after determine the corresponding Account Type of applicant's account identification；

Processing module, the resource transfers policing parameter for being pre-configured according to Account Type inquiry, according to the money Source transition strategy parameter carries out resource transfers processing, is turned with receiving the corresponding resource providing server of applicant's account identification The resource moved to；

Module is transferred, for the resource to be transferred applicant to predistribution and corresponding with applicant mark Intermediate account；

Confirmation module, for generating request for product confirmation instruction according to applicant mark and the product identification, and Request for product confirmation instruction is sent to the provider and identifies corresponding provider's terminal；

Shift module, for inciting somebody to action when receiving the confirmation message for agreeing application of provider's terminal feedback The resource transfers extremely provider's account corresponding with provider mark in applicant's intermediate account.

A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing The step of device realizes above-mentioned each resource transfers method as described in the examples when executing the computer program.

A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor The step of above-mentioned each resource transfers method as described in the examples is realized when row.

Above-mentioned resource transfers method, apparatus, computer equipment and storage medium, receive carry applicant mark, When the request for product request of product identification, applicant's account identification and provider's mark, authorization check is carried out to applicant, thus Guarantee the reliability of request for product operation, so as to improve the safety of applicant's resource.According to application after verification passes through The Account Type of square account carries out resource transfers, and the resource that will transfer to is transferred to applicant's intermediate account of predistribution.Into One step, when receiving the confirmation message that agrees application of provider's terminal for request for product confirmation instruction feedback, By the resource transfers transferred to provider's account corresponding with provider's mark.In this way, supporting the applicant of different Account Types Account, platform side is without opening settlement accounts, and applicant is without transferring resource to the knot of platform side during request for product Family of doing accounts is cleared, but is transferred to platform side to be pre-assigned in the applicant of applicant by resource according to Account Type and be transferred accounts Family, and then it is transferred to provider's account.The resource in applicant's account is controlled by applicant as a result, and platform side is avoided to divert Risk, so as to further increase the safety of resource.

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 resource transfers method in another embodiment；

Fig. 4 is the structural block diagram of resource transfers device in one embodiment；

Fig. 5 is the structural block diagram of resource transfers device in another 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, applicant Terminal 102, provider's terminal 104 and resource providing server 106 are communicated by network with service server 108.Industry Business server 108 is receiving that applicant's terminal 102 is sent and is carrying applicant's mark, product identification, applicant's account When the request of the request for product of mark and provider's account, authorization check is carried out to applicant according to applicant's mark, when verification is logical Later the Account Type for determining applicant's account identification carries out resource transfers processing according to Account Type, and provides resource to clothes The resource that business device 106 is transferred to is transferred to applicant and identifies corresponding applicant's intermediate account, and then sends out to provider's terminal 104 Request for product confirmation instruction is sent, and when receiving the confirmation message for agreeing application of the corresponding feedback of provider's terminal 104, By the resource transfers in applicant's intermediate account to provider's account corresponding with provider's mark.Wherein, applicant's terminal 102 It can be, but not limited to be various personal computers, laptop, smart phone, tablet computer and just with provider's terminal 104 Formula wearable device is taken, resource providing server 106 and service server 108 can use independent server either multiple clothes The server cluster of business device composition is realized.

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 service server, comprising the following steps:

S202 receives the request for product request that applicant's terminal is sent；Request for product request carries applicant's mark, produces Product mark, applicant's account identification and provider's mark.

Wherein, request for product request is the request for triggering request for product operation.Request for product request includes applicant Mark, product identification, applicant's account identification and provider's account may also include request for product element, request for product element packet Include Resource Exchange amount and swap time section.Applicant's mark is used for unique identification applicant, and applicant's mark may include operator Mark and/or the corresponding authority identification of the operator identification.Operator identification is used for unique identification operator, such as operator Register account number, number or identification card number etc..Authority identification is used for unique identification mechanism, such as the unified social credibility generation of mechanism Code, title or register account number etc..Mechanism, that is, organization, such as enterprise, company, department or group etc., a mechanism are settable There are one or more operators.Product identification is used for unique identification product, and product such as finance product, money pipe product, fund produce It product, same trade storage and brings together with bond etc..Provider's mark is used for unique identification provider, and provider is to provide production to applicant The focal pointe of product.It is appreciated that provider, which can be used as application other providers of direction, applies for product, in request for product process In, application direction provider provides resource, correspondingly, provides direction applicant and provides product, resource storage voucher or product Shen It please voucher etc..Resource specifically can be fund.

Specifically, the request for product trigger action of applicant's terminal real-time detection operator triggering, according to the production detected Product application trigger action obtains the pre- typing of operator and/or applicant's mark of pre-selection, product identification, applicant's account mark Know and provider identifies, and is identified according to accessed applicant's mark, product identification, applicant's account identification and provider Request for product request is generated, and then request for product request is sent to service server.Applicant's terminal is detecting product When applying for trigger action, the corresponding operator identification of operator for triggering the request for product trigger action is obtained, and/or, it obtains The corresponding authority identification of the operator identification, and the operator identification that will acquire and/or authority identification are as the Shen got Please just identify.

In one embodiment, applicant's terminal is pre- according to the request for product trigger action detected, also acquisition operator The Resource Exchange amount and swap time section of typing and/or pre-selection, regard the Resource Exchange amount and swap time section as product Shen Please element, and according to request for product element, applicant's mark, product identification, applicant's account identification and the provider got Mark generates request for product request.Resource Exchange amount is that the stock number of trade-to product is used in current production application process.Exchange Period refers to the time interval for requesting to swap resource and product in current production application process, that is, request exchange Product effective period of time.

S204, by applicant mark with pre-configuration default identification list match, with according to matching result to application Fang Jinhang authorization check, when verification by after determine the corresponding Account Type of applicant's account identification.

Wherein, applicant's account identification is used for unique identification applicant account, can be by words such as number, letter and symbols The character string of at least one of symbol composition, specifically can be account, such as Bank Account Number.Applicant's account specifically can be Shen The bank account please just opened in bank.Account Type refers to the type of applicant's account, can divide according to bank of deposit, such as he Row account and current row account, current row account refer in the bank account that platform side is corresponding or bank's (current row) of authorization opens, he Row account refers to the bank account opened in other banks's (he manages it) of unauthorized.When Account Type is current row account, account Type includes multiple sub- Account Types, can be divided according to the purposes or the scope of application of resource in account, sub- Account Type is such as held in the palm Pipe account and general account.Resource in trustship account has specified use, that is, allocates a fund for its specified purpose.Default identification list is by being directed to The corresponding product of product identification and/or provider identify the collection that there is the product provided the applicant of application permission to identify composition It closes, specifically can be regarded as white list.

Specifically, service server parsing request for product request, obtains applicant's mark, product identification, applicant's account Mark and provider's mark.Applicant is identified and is matched with default identification list by service server, to corresponding applicant Authorization check is carried out, and check results are determined according to matching result.When matching result is successful match, service server is then sentenced Determine check results to pass through for verification.After determining that check results pass through for verification, service server is true according to default identification method Determine the corresponding Account Type of this application side's account identification.Default identification method is such as by preceding 6 characters of applicant's account identification It is compared with preset characters string, preset characters string is such as preceding 6 characters of current row account.Before applicant's account identification When 6 characters are consistent with preset characters string, then determine the corresponding Account Type of applicant's account identification for current row account, otherwise for He manages it account.The line identifier of opening an account of open an account line identifier and current row that default identification method for another example carries applicant's account identification It is compared.

In one embodiment, applicant's mark includes operator identification.Service server is by the operator identification and in advance If operator identification's list matches, show that operator has operating right when successful match, then determines that verification passes through.In advance If the set that operator identification's list is made of the operator identification with request for product permission.

In one embodiment, applicant's mark includes authority identification.Service server is by the authority identification and default machine Structure identification list is matched, and is shown that mechanism has request for product permission when successful match, that is, is demonstrated the legitimacy of mechanism And validity, then determine that verification passes through.Reset mechanism identification list is made of the authority identification with request for product permission Set.

In one embodiment, applicant's mark includes operator identification and authority identification.Service server is by the mechanism Mark is matched with reset mechanism identification list, and by predetermined registration operation person corresponding to the operator identification and the authority identification Identification list is matched.When authority identification and reset mechanism identification list successful match and operator identification and predetermined registration operation When member's identification list successful match, then determine that verification passes through.

In one embodiment, request for product element also can be obtained in service server parsing request for product request.Work as application After the authorization check of side passes through, service server verifies request for product element according to default verification mode, when product Shen Please element when meeting default key element condition, then account identification corresponding account class in this application side's is determined according to applicant's account identification Type.Resource Exchange amount is such as compared with Resource Exchange upper limit value and Resource Exchange lower limit value by default verification mode respectively, Swap time section default swap time section corresponding with product identification is compared, and/or, verify applicant's account identification pair Whether the applicant's account answered is signing account of applicant etc..Default key element condition such as Resource Exchange amount is less than or equal to money Source exchanges upper limit value and is greater than or equal to Resource Exchange lower limit value, and swap time section is in default swap time section, and/or, Applicant's account is signing account etc..

S206, according to Account Type inquiry be pre-configured resource transfers policing parameter, according to resource transfers policing parameter into Row resource transfers processing, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to.

Wherein, resource transfers policing parameter is the quantization parameter for the resource transfers strategy being pre-configured, and is used to indicate business clothes How business device carries out resource transfers processing, to receive the resource of resource providing server transfer, namely for instruction business clothes How business device obtains resource to be transferred from resource providing server.Resource transfers policing parameter is for example, when Account Type is for he When row account, resource transfers request is sent to applicant's account identification corresponding resource by means of applicant's terminal, service is provided Device；When Account Type is current row account, is identified according to Account Type and determines the corresponding sub- Account Type of applicant's account identification, And resource transfers request is sent to according to the corresponding resource providing server of sub- Account Type.

Specifically, the resource transfers policing parameter that service server is pre-configured according to Account Type inquiry, turns according to resource It moves policing parameter and determines the corresponding resource providing server of applicant's account identification, and generate applicant and identify corresponding resource Transfer request, and resource transfers request is sent to resource providing server according to resource transfers policing parameter, to receive the money Source provides server and requests the resource being transferred to for resource transfers.

In one embodiment, request for product request also carries request for product element；Step S206 includes: when account class Type for he manage it account when, determine that corresponding to the Account Type resource transfers policing parameter being pre-configured is first resource transfer plan Slightly parameter；According to the first resource transition strategy parameter, marked according to request for product element, applicant's account identification and applicant Know and generates resource transfers request；Resource transfers request is sent to applicant's terminal；The resource transfers request of transmission is used to indicate Resource transfers request is shown by applicant's terminal, and is detecting resource transfers corresponding with the resource transfers request of displaying When trigger action, resource transfers request is sent to the corresponding resource providing server of applicant's account identification；Resource is received to mention Correspond to the resource of resource transfers request transfer for server.

Specifically, request for product element also can be obtained when parsing request for product request in service server.Service server The resource transfers policing parameter being pre-configured according to Account Type inquiry.Applicant's account corresponding to applicant's account identification Account Type for he manage it account when, service server by the resource transfers policing parameter inquired be determined as first resource transfer plan Slightly parameter.Service server determines Resource Exchange amount according to first resource transition strategy parameter, according to request for product element, according to Resource Exchange amount, applicant's mark and applicant's account identification generate resource transfers request, and the resource transfers are requested to send To applicant's terminal.The resource transfers received request is shown by applicant's terminal, and detects operator for displaying The resource transfers trigger action of resource transfers request triggering.When detecting resource transfers trigger action, applicant's terminal according to Applicant's account identification determines resource providing server, and resource transfers request is forwarded to the resource providing server.Resource Server is provided to verify resource transfers request according to applicant's account identification and applicant's mark, when passed the verification, Resource to be transferred is extracted from applicant's account according to resource transfers amount, and by the resource transfers of extraction to service server. It is understood that it is corresponding that resource transfers request can be sent to applicant's mark by service server in local embodiment Financial terminal is shown, so that the resource transfers trigger action of financial terminal detection Finance Clerk's triggering.

In one embodiment, may also include in resource transfers request applicant identify corresponding applicant's intermediate account, Swap time section, product identification or the seal information of platform side etc. determined according to request for product element.Resource providing server After by resource transfers to service server, it can be requested to update applicant's mark or application in the database according to the resource transfers The corresponding resource transfers record of square account identification.

In above-described embodiment, when applicant's account manages it account for him, resource transfers are requested by means of applicant's terminal It is sent to the corresponding resource providing server of applicant's account identification and (opens the background service of the bank of this application side's account Device), to receive the resource that resource providing server is transferred to, guaranteeing the case where supporting applicant's account of different Account Types Under, it ensure that the safety of resource.

In one embodiment, request for product request also carries request for product element；Step S206 includes: when account class When type is current row account, determine that the resource transfers policing parameter being pre-configured corresponding to the Account Type is that Secondary resource shifts plan Slightly parameter；According to the Secondary resource transition strategy parameter, looking into for applicant's account identification is carried to financial server transmission Ask instruction；Financial server is received for the Account Type mark of inquiry instruction feedback, and is identified based on Account Type and determines Shen It please the corresponding sub- Account Type of side's account identification；Resource transfers are generated according to request for product element and applicant's account identification to ask It asks；Resource providing server is determined based on sub- Account Type, resource transfers request is sent to resource providing server, and receive The resource of resource providing server transfer.

Wherein, Account Type mark is used for the subtype of unique identification account, can be by words such as number, letter and symbols The character string of at least one of symbol composition.Inquiry instruction can specifically refer to that Account Type identifies inquiry instruction.

Specifically, the resource transfers policing parameter that service server is pre-configured according to Account Type inquiry.When applicant's account When the Account Type of the corresponding applicant's account of family mark is current row account, resource transfers plan that service server will inquire Slightly parameter is determined as Secondary resource transition strategy parameter.Service server is according to Secondary resource transition strategy parameter, according to application Square account identification generates inquiry instruction, and the inquiry instruction is sent to financial server.Financial server parses inquiry instruction Applicant's account identification is obtained, pre-stored Account Type identifies according to the inquiry of applicant's account identification, and the account that will be inquired Family type identification feeds back to service server.Account Type is identified and is compared with default identify by service server, according to than The corresponding sub- Account Type of applicant's account identification is determined compared with result, and determines that the resource being pre-configured provides according to sub- Account Type Server.Service server determines Resource Exchange amount according to request for product element, according to Resource Exchange amount and applicant's account mark Know and generate resource transfers request, and resource transfers request is sent to resource providing server.Resource providing server according to Resource Exchange amount extracts resource to be transferred from applicant's account, and by the resource transfers of extraction to service server.

In one embodiment, it may also include applicant's mark, product identification in resource transfers request, transfer accounts in applicant Family, provider's mark or the swap time section determined according to request for product element etc..

In one embodiment, when Account Type mark is consistent with default mark corresponding to trustship account, then determine The sub- Account Type of applicant's account is trustship account, and Entrust Server is then determined as resource and provides service by service server Device.When Account Type mark is consistent with default mark corresponding to general account, then the sub- account class of applicant's account is determined Type is general account, then financial server is determined as resource providing server.Wherein, Account Type mark is applied in creation The corresponding mark generated when square account.

In above-described embodiment, when Account Type is current row account, resource transfers processing is carried out according to sub- Account Type, In the case where guaranteeing resource resource security, resource transfers efficiency can be improved.

Resource is transferred applicant's intermediate account to predistribution and corresponding with applicant's mark by S208.

Wherein, applicant's intermediate account is applicant to be pre-assigned to when applicant registers and in request for product mistake The account of transfer resource is used in journey.

Specifically, service server receive resource providing server for resource transfers request feedback resource when, Applicant's intermediate account that inquiry is pre-assigned to corresponding applicant is identified according to applicant, and received resource is transferred to the Shen It please square intermediate account.

S210 generates request for product confirmation instruction according to applicant's mark and product identification, and request for product confirmation is referred to Order is sent to provider and identifies corresponding provider's terminal.

Wherein, request for product confirmation instruction is the instruction for triggering request for product confirmation operation.Specifically, business service Device generates request for product confirmation instruction according to applicant's mark and product identification, and request for product confirmation instruction is sent to and is mentioned Supplier identifies corresponding provider's terminal and is shown, to receive provider's terminal for the request for product confirmation instruction inspection shown The confirmation message surveyed and fed back.

In one embodiment, it may also include request for product element in request for product confirmation instruction.

S212 will transfer accounts when receiving the confirmation message for agreeing application of provider's terminal feedback in applicant Resource transfers extremely provider's account corresponding with provider's mark in family.

Specifically, when receive provider's terminal for request for product confirmation instruction feedback and agree application When confirmation message, service server is identified according to provider determines provider's account, and determines the corresponding resource of provider's account Server is received, and then resource corresponding with provider's account in applicant's intermediate account and provider's account are sent to and are provided Source receives server, to receive server for resource transfers to provider's account by means of resource.

In one embodiment, provider's mark is corresponding with multiple product identifications, is pre-configured with phase for each product identification The provider's account answered.Service server determines provider's account according to provider's mark and product identification, and is mentioned by means of this The corresponding resource of supplier's account receives server, extremely by resource transfers corresponding with provider's account in applicant's intermediate account Provider's account.

In one embodiment, when receiving the confirmation message for agreeing application, service server is according to provider It identifies and determines provider's intermediate account and provider's account, the resource transfers into applicant's intermediate account will be transferred to provider Intermediate account, and according to default branch mode by the resource transfers in provider's intermediate account to provider's account.Default transfer Mode such as transfer in real time carries out batch transfer according to predetermined period.

In one embodiment, resource receives server and transfers in the resource that will transfer to provider's account, Xiang Ye Product corresponding to server feedback product identification, request for product voucher or the resource of being engaged in store voucher etc..Service server will connect Product, request for product voucher or the resource storage voucher received is sent to applicant's terminal.

In one embodiment, when receiving the confirmation message for agreeing application, service server is according to provider The request for product operating process that mark inquiry is pre-configured is determined according to the request for product operating process inquired according to product identification Corresponding provider's account, and the resource that resource providing server is transferred to is transferred to this according to request for product operating process and is mentioned Supplier's account.As a result, service server be directed to different product provider provide identical product, backstage carry out operating process and The conversion of data, so as to simplify the operating process of user, it is multiple to reduce operation to provide unified operating process to applicant Miscellaneous degree.

In one embodiment, service server is joined according to provider's terminal for the business rule that product identification is specified Number, configures the corresponding request for product operating process of the product identification in the database.

Above-mentioned resource transfers method carries applicant's mark, product identification, applicant's account identification and mentions receiving When the request for product request of supplier's mark, authorization check is carried out to applicant, thereby guarantees that the reliability of request for product operation, from And it can be improved the safety of applicant's resource.Account Type after verification passes through according to applicant's account carries out resource and turns It moves, and the resource that will transfer to is transferred to applicant's intermediate account of predistribution.Further, provider's terminal needle is being received To request for product confirmation instruction feedback when agreeing the confirmation message applied, the resource transfers transferred are marked to provider Know corresponding provider's account.In this way, supporting applicant's account of different Account Types, platform side is not necessarily to open settlement accounts, Applicant is not necessarily to clear the settlement accounts that resource is transferred to platform side during request for product, but according to account class Resource is transferred to platform side the applicant's intermediate account for being pre-assigned to applicant by type, and then is transferred to provider's account.As a result, Resource in applicant's account is controlled by applicant, the risk for avoiding platform side from diverting, so as to further increase resource Safety.

In one embodiment, after step S210, above-mentioned resource transfers method further include: when receiving provider's terminal When the confirmation message for agreeing application of feedback, the resource in applicant's intermediate account is transferred to system intermediate account；It is real When detect present system time, when present system time is consistent with the default triggered time, according to provider identify determine provide Square account；By resource transfers corresponding with provider's account in system intermediate account to provider's account.

Wherein, system intermediate account is that service server is pre-assigned to platform side and can use during request for product In the account of transfer resource.The default triggered time is that the preset resource batch by system intermediate account is transferred to and provides The time of square account, such as daily 23 points or 23 points of Monday weekly.

Specifically, when receive provider's terminal for request for product confirmation instruction feedback and agree application When confirmation message, resource corresponding with provider's mark in applicant's intermediate account is transferred and is transferred accounts into system by service server Family, real-time detection present system time, and the default triggered time that inquiry is pre-configured is identified according to provider.It is current when detection When system time is consistent with the default triggered time, service server is identified according to provider determines provider's account, and by means of The corresponding resource of provider's account receives server for resource transfers corresponding with provider's account in system intermediate account to mentioning Supplier's account.It is appreciated that service server determines that provider identifies when present system time is consistent with the default triggered time Resource corresponding to corresponding provider's account receives server, and by money corresponding with provider's mark in system intermediate account Source is transferred to resource and receives server, is transferred with the resource that will transfer to by resource transfer server to provider's account.

In one embodiment, when receiving the confirmation message for agreeing application, service server is according to provider Mark and product identification determine provider's account, and resource corresponding with provider's account in applicant's intermediate account is transferred to being Unite intermediate account, and when present system time is consistent with the default triggered time, by system intermediate account with provider's account Corresponding resource transfers are to provider's account.

In above-described embodiment, the resource batch in system intermediate account is transferred to provider's account according to the default triggered time Family, can be avoided leads to request for product request because frequently executing resource transfers and occupying computer resource response efficiency is low asks Topic improves user experience so as to improve request for product request response efficiency.

In one embodiment, before step S202, above-mentioned resource transfers method further include: receive applicant's terminal and send Registration request corresponding with applicant's mark；Registration request carries authorized certificate and seal information；By authorized certificate and print Mirror information pushes to business personnel's terminal and audits；When the auditing result that the expression audit for receiving business personnel's terminal feedback passes through When, it is corresponding to be pre-assigned to applicant's mark using resource intermediate account as applicant's intermediate account for establishing resource intermediate account Applicant's terminal.

Wherein, authorized certificate is the voucher that mechanism authorizes operator's specific operation permission (such as request for product permission), than Such as the power of attorney or authorization letter.Seal information is the seal information with identification function, such as including corporate seal's information and finance Seal information.

Specifically, the default registration trigger action of applicant's terminal detection operator triggering, according to the default note detected Volume trigger action obtains authority identification, authorized certificate and the seal information of operator identification and the pre- typing of operator, according to behaviour Work person's mark and authority identification obtain applicant's mark, and generate registration according to applicant's mark, authorized certificate and seal information Request, and then the registration request is sent to service server.Service server determines that business personnel identifies according to registration request, and Authorized certificate and seal information that parsing registration request obtains are pushed into business personnel and identify corresponding business personnel's terminal.Business personnel The authorized certificate received and seal information are shown by terminal, to indicate that business personnel believes the authorized certificate and seal of displaying Breath audit on line and/or under line, and detects the auditing result of the corresponding triggering of business personnel, and then auditing result is fed back to industry Business server.When the auditing result received is that audit passes through, service server triggers establishing resource intermediate account, and should Resource intermediate account is bound with applicant's mark, which is determined as to be pre-assigned to applicant's mark Applicant's intermediate account, that is, the resource intermediate account of creation is pre-assigned to applicant as applicant's intermediate account, and The resource intermediate account is fed back into applicant's terminal.Further, service server executes registration operation according to registration request, And the prompt information to succeed in registration is fed back to applicant's terminal after registration is completed.The registration of execution operates such as verification operation person Whether the username and password of typing meets preset condition, and by user name and authority identification associated storage after verifying successfully, Operator identification specifically can be user name.

In one embodiment, when auditing result is that audit passes through, service server is by authorized certificate and seal information It pushes to examination & approval terminal to be examined, and in the approval results that the expression examination & approval for receiving examination & approval terminal feedback pass through, continues The step of establishing resource intermediate account.

In one embodiment, an authority identification is corresponding with multiple operator identifications and multiple operator identification couple Answer applicant's intermediate account.Service server is when receiving the registration request triggered by each operator, according to above-mentioned side Formula audits each registration request.When auditing result is that audit passes through, service server has been created according to authority identification inquiry The applicant's intermediate account built then directly executes registration operation according to registration request if it exists.

In one embodiment, service server, can be according to class when receiving the registration request of provider's terminal transmission As step carry out audit registration, and pre-allocate provider's intermediate account, details are not described herein.

In above-described embodiment, guarantee operational safety by way of audit authorized certificate and seal information, to protect Resource resource security is demonstrate,proved, ensures that resource is controlled by applicant by predistribution applicant's intermediate account, further ensures resource Safety.

In one embodiment, after step S212, above-mentioned resource transfers method further include: receive applicant's terminal and send Resource bid request；Resource bid request carries applicant's mark, product identification and resource and receives account identification；According to Shen Please just identify the applicant account identification pre-stored with product identification inquiry；When resource receives account identification and applicant's account mark When knowing inconsistent, to the prompt information of applicant's terminal feedback representation supplement authorized certificate；Receive taking for applicant's terminal transmission Authorized certificate with seal information, and resource bid request and authorized certificate are sent to auditor terminal and checked；When When indicating the review result that review passes through of auditor terminal feedback is received, is requested to execute resource transfers behaviour according to resource bid Make.

Wherein, resource bid request is to trigger the request of resource bid operation, is used to indicate service server for applicant The appointed product applied is exchanged into resource.It is appreciated that resource bid request and corresponding, the request for product of request for product request Request is that the product by the resource of itself and provider is requested to swap, and correspondingly, resource bid request is requested itself The resource of the product and provider applied swaps, that is, based on the product currently held/request for product voucher/money Store voucher and provider's exchange resource in source.

Specifically, applicant's terminal detection operator is directed to the default resource bid triggering behaviour for the product triggering applied Make, applicant's mark and the pre- typing of operator or pre-selection are obtained according to the default resource bid trigger action that detects Product identification and resource receive account identification, and receive account identification according to applicant's mark, product identification and resource and generate money Source application request, and then resource bid request is sent to service server.The application of service server resolving resource please acquire Account identification is received to applicant's mark, product identification and resource, according to applicant's mark and product identification, is looked into the database Ask applicant's account identification pre-stored during the request for product corresponding to the product identification.When the applicant's account inquired When family mark and inconsistent resource reception account identification, service server then supplements authorized certificate to applicant's terminal feedback representation Prompt information, with by applicant's terminal indicate operator supplement authorized certificate carry out resource transfers authorization check.Business clothes Business device receives the authorized certificate for carrying seal information that applicant's terminal is obtained and sent, and is determined according to resource bid request multiple Core person's mark, and the authorized certificate that seal information was requested and carried in resource bid is pushed into auditor and identifies corresponding auditor Terminal is checked.When the review result that the expression review for receiving the corresponding feedback of auditor terminal passes through, service server Corresponding resource transfers operation is executed according to resource bid request.When applicant's account identification is consistent with resource reception account identification When, service server then requests to execute resource transfers operation according to resource bid.

In one embodiment, resource bid request further includes provider's mark.Service server is asked according to resource bid Determining provider's terminal and provider's account are asked, resource bid request is forwarded to provider's terminal and is audited.When receiving When the auditing result that the mark audit of the corresponding feedback of provider's terminal passes through, service server is mentioned according to resource bid request determination Supplier's account, resource transfers policing parameter corresponding to the Account Type according to provider's account carry out resource transfers processing, with Receive the corresponding resource of provider's account and receive the resource that server is transferred to, and by the resource transfer to predistribution and with mention Supplier identifies corresponding provider's intermediate account, and then the resource transfers in provider's intermediate account to resource bid request are referred to Fixed resource receives account.It is appreciated that resource bid request may also include request Resource Exchange amount.

In one embodiment, when the review result received is that review passes through, service server will carry seal letter The authorized certificate of breath pushes to examination & approval terminal and is examined, and the approval results passed through in the examination & approval for receiving examination & approval terminal feedback The operation of Shi Zhihang resource transfers.In one embodiment, when resource receives account identification and applicant's account identification is inconsistent, Service server receives the account verification request of account identification and applicant's mark by resource is carried, and is sent to resource reception The corresponding server of account identification receives the reception account of resource corresponding to account identification to verify resource by the server The authenticity for user information of opening an account, to guarantee the safety of resource.

In above-described embodiment, refer to when the specified resource of resource bid request receives account identification with corresponding product application request When fixed applicant's account identification is inconsistent, i.e., when resource disengaging is not homologous, authorized certificate is checked, to guarantee resource Safety.

In one embodiment, after step S212, above-mentioned resource transfers method further include: according to applicant's mark, produce Product mark, applicant's account identification, provider's mark, provider's account and the resource of transfer obtain resource transfers element；It generates Element storage request corresponding with resource transfers element；Element storage request is sent to block chain node；The element of transmission is deposited Storage request is used to indicate block chain link point and resource transfers element is written in block chain according to the chain process that enters of pre-configuration.

Specifically, after by the resource transfers in applicant's intermediate account to provider's account, service server is by the money Source, applicant's mark, product identification, applicant's account identification, provider's mark and provider's account as resource transfers element, It is stored and is requested according to the resource transfers element forming element, and element storage request is sent to block chain node.Block chain Node parsing element storage request obtains resource transfers element to be stored, and turns the resource according to the chain process that enters of pre-configuration It moves in element write-in block chain.

In one embodiment, resource transfers element is sent to storage server and is stored or remembered by service server Record, in order to which quickly record can be shifted by locating resource according to applicant's mark or provider's mark.

In one embodiment, when the request or instruction execution phase according to applicant's terminal and/or the transmission of provider's terminal After should operating, operational elements are written in block chain by means of block chain node.For example, when according to resource bid request execution After resource transfers operation is finished, by means of block chain node block is written in corresponding resource transfers element by service server In chain.For example, in the corresponding request Resource Exchange amount write-in block chain of product and product that provider is provided.

In above-described embodiment, by means of the resource transfers element during block chain technical notes request for product, so that producing Product Resource Exchange information can not distort, non-repudiation and can trace to the source, to ensure to exchange the real reliability of information, so as to mention High user experience and ensure resource resource security.

In one embodiment, the Resource Exchange amount that service server receives that provider's terminal is sent generates request, parsing Resource Exchange amount generates request and obtains product identification, request Resource Exchange amount and display form mark, and according to display form mark Know the display form for determining request Resource Exchange amount.When display form is anonymous or non-public displaying, service server passes through The request Resource Exchange amount is corresponded to product identification and is hidden displaying by applicant's terminal.It is directed to when receiving applicant's terminal When the checking request of request Resource Exchange amount triggering shown is hidden, this is checked that request is forwarded to provider's end by service server End, and when agreeing the prompt information checked of request feedback is checked for this receiving provider's terminal, pass through the Shen Please square terminal the request Resource Exchange amount corresponded into product identification carry out show-and-tell.As a result, different providers are directed to The request Resource Exchange amount of identical product triggering mutually shields, to realize that permission is isolated, to avoid unfair competition.

As shown in figure 3, in one embodiment, providing a kind of resource transfers method, this method specifically includes following step It is rapid:

S302 receives the request for product request that applicant's terminal is sent；Request for product request carries applicant's mark, produces Product mark, applicant's account identification, provider's mark and request for product element.

S304, by applicant mark with pre-configuration default identification list match, with according to matching result to application Fang Jinhang authorization check, when verification by after determine the corresponding Account Type of applicant's account identification.

S306 determines the resource transfers plan being pre-configured corresponding to the Account Type when Account Type manages it account for him Slightly parameter is first resource transition strategy parameter.

S308, according to the first resource transition strategy parameter, according to request for product element, applicant's account identification and Shen It please just identifies and generates resource transfers request.

Resource transfers request is sent to applicant's terminal by S310；The resource transfers request of transmission is used to indicate applicant Resource transfers request is shown by terminal, and is detecting resource transfers triggering behaviour corresponding with the resource transfers request of displaying When making, resource transfers request is sent to the corresponding resource providing server of applicant's account identification.

S312 receives the resource that resource providing server corresponds to resource transfers request transfer, and the S324 that gos to step It continues to execute.

S314 determines the resource transfers plan being pre-configured corresponding to the Account Type when Account Type is current row account Slightly parameter is Secondary resource transition strategy parameter.

S316 carries applicant's account mark to financial server transmission according to the Secondary resource transition strategy parameter The inquiry instruction of knowledge.

S318 is received financial server for the Account Type mark of inquiry instruction feedback, and is identified based on Account Type Determine the corresponding sub- Account Type of applicant's account identification.

S320 generates resource transfers request according to request for product element and applicant's account identification.

S322 determines resource providing server based on sub- Account Type, and resource transfers request is sent to resource and provides clothes Business device, and receive the resource of resource providing server transfer.

Resource is transferred applicant's intermediate account to predistribution and corresponding with applicant's mark by S324.

S326 generates request for product confirmation instruction according to applicant's mark and product identification, and request for product confirmation is referred to Order is sent to provider and identifies corresponding provider's terminal.

S328 will transfer accounts when receiving the confirmation message for agreeing application of provider's terminal feedback in applicant Resource transfers extremely provider's account corresponding with provider's mark in family.

S330 will transfer accounts when receiving the confirmation message for agreeing application of provider's terminal feedback in applicant Resource in family is transferred to system intermediate account.

S332, real-time detection present system time, when present system time is consistent with the default triggered time, according to offer Side, which identifies, determines provider's account.

S334, by resource transfers corresponding with provider's account in system intermediate account to provider's account.

In above-described embodiment, it has been pre-configured corresponding resource transfers stream respectively for applicant's account of different Account Types Journey, and the settlement accounts without opening resource transfers to platform side in bank avoid resource and divert risk, improve resource Safety.

It should be understood that although each step in the flow chart of Fig. 2-3 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. 2-3 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 4, providing a kind of resource transfers device 400, comprising: receiving module 402, Correction verification module 404, processing module 406 transfer module 408, confirmation module 410 and shift module 412, in which:

Receiving module 402, for receiving the request for product request of applicant's terminal transmission；Request for product request carries Shen It please just identifies, product identification, applicant's account identification and provider mark；

Correction verification module 404, for matching applicant's mark with the default identification list being pre-configured, according to matching As a result authorization check is carried out to applicant, when verification by after determine the corresponding Account Type of applicant's account identification；

Processing module 406, the resource transfers policing parameter for being pre-configured according to Account Type inquiry, according to resource transfers Policing parameter carries out resource transfers processing, to receive the money that the corresponding resource providing server of applicant's account identification is transferred to Source；

Module 408 being transferred, being transferred accounts for transferring resource in applicant to predistribution and corresponding with applicant's mark Family；

Confirmation module 410, for generating request for product confirmation instruction according to applicant's mark and product identification, and by product Requisition Validation instruction is sent to provider and identifies corresponding provider's terminal；

Shift module 412, for when receive provider's terminal feedback agree application confirmation message when, by Shen Please resource transfers in square intermediate account to provider's account corresponding with provider's mark.

In one embodiment, request for product request also carries request for product element；Processing module 406 is also used to work as Account Type for he manage it account when, determine that corresponding to the Account Type resource transfers policing parameter being pre-configured is first resource Transition strategy parameter；According to the first resource transition strategy parameter, according to request for product element, applicant's account identification and Shen It please just identifies and generates resource transfers request；Resource transfers request is sent to applicant's terminal；The resource transfers of transmission request to use Resource transfers request is shown in instruction applicant's terminal, and is detecting money corresponding with the resource transfers request of displaying When trigger action is shifted in source, resource transfers request is sent to the corresponding resource providing server of applicant's account identification；It receives Resource providing server corresponds to the resource of resource transfers request transfer.

In one embodiment, request for product request also carries request for product element；Processing module 406 is also used to work as When Account Type is current row account, determine that the resource transfers policing parameter being pre-configured corresponding to the Account Type is Secondary resource Transition strategy parameter；According to the Secondary resource transition strategy parameter, applicant's account mark is carried to financial server transmission The inquiry instruction of knowledge；Financial server is received for the Account Type mark of inquiry instruction feedback, and is identified based on Account Type Determine the corresponding sub- Account Type of applicant's account identification；Resource is generated according to request for product element and applicant's account identification to turn Move request；Resource providing server is determined based on sub- Account Type, and resource transfers request is sent to resource providing server, and Receive the resource of resource providing server transfer.

In one embodiment, shift module 412, be also used to when receive provider's terminal feedback agree apply Confirmation message when, the resource in applicant's intermediate account is transferred to system intermediate account；Real-time detection present system time, When present system time is consistent with the default triggered time, is identified according to provider and determine provider's account；It will transfer accounts in system Resource transfers corresponding with provider's account are to provider's account in family.

In one embodiment, as shown in figure 5, resource transfers device 400, further includes: registration module 414；

Registration module 414, for receiving the registration request corresponding with applicant's mark of applicant's terminal transmission；Registration is asked It asks and carries authorized certificate and seal information；Authorized certificate and seal information are pushed to business personnel's terminal to audit；When connecing Receive when indicating the auditing result that audit passes through of business personnel's terminal feedback, establishing resource intermediate account, by resource intermediate account Applicant, which is pre-assigned to, as applicant's intermediate account identifies corresponding applicant's terminal.

In one embodiment, receiving module 402 are also used to receive the resource bid request of applicant's terminal transmission；Money Source application request carries applicant's mark, product identification and resource and receives account identification；Correction verification module 404, is also used to basis Applicant's account identification that applicant's mark and product identification inquiry are pre-stored；When resource receives account identification and applicant's account When identifying inconsistent, to the prompt information of applicant's terminal feedback representation supplement authorized certificate；Receive what applicant's terminal was sent The authorized certificate of seal information is carried, and resource bid request and authorized certificate are sent to auditor terminal and checked； When the review result that the expression review for receiving auditor terminal feedback passes through, so that shift module 412 is according to resource bid Request executes resource transfers operation.

In one embodiment, resource transfers device 400, further includes: memory module 416；

Memory module 416 for being identified according to applicant, product identification, applicant's account identification, provider's mark, mentions Supplier's account and the resource of transfer obtain resource transfers element；Generate element storage request corresponding with resource transfers element；It will Element storage request is sent to block chain node；The element storage request of transmission is used to indicate block chain link point according to pre-configuration Enter chain process resource transfers element is written in block chain.

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 service server, in Portion's structure chart can be as shown in Figure 6.The computer equipment includes that the processor, memory, network connected by system bus connects Mouth and database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The storage of the computer equipment Device includes non-volatile memory medium, built-in storage.The non-volatile memory medium be stored with operating system, computer program and Database.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.It should The database of computer equipment is for the resource in storage resource transition strategy parameter and applicant's intermediate account.The computer is set Standby network interface is used to communicate with external terminal by network connection.To realize when the computer program is executed by processor A kind of resource transfers 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 The step of computer program, which realizes the resource transfers method in above-mentioned each embodiment when executing computer program.

In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated Machine program realizes the step of resource transfers method in above-mentioned each embodiment when being executed by processor.

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

1. a kind of resource transfers method, which comprises

Receive the request for product request that applicant's terminal is sent；The request for product request carries applicant's mark, product mark Know, applicant's account identification and provider identify；

Applicant mark is matched with the default identification list being pre-configured, to be carried out according to matching result to applicant Authorization check, when verification by after determine the corresponding Account Type of applicant's account identification；

According to the resource transfers policing parameter that Account Type inquiry is pre-configured, carried out according to the resource transfers policing parameter Resource transfers processing, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to；

Request for product confirmation instruction is generated according to applicant mark and the product identification, and the request for product is confirmed Instruction is sent to the provider and identifies corresponding provider's terminal；

When receiving the confirmation message for agreeing application of provider's terminal feedback, by applicant's intermediate account In the resource transfers to provider's account corresponding with provider mark.

2. the method according to claim 1, wherein request for product request also carries request for product and wants Element；The resource transfers policing parameter being pre-configured according to Account Type inquiry, according to the resource transfers policing parameter Resource transfers processing is carried out, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to, packet It includes:

When the Account Type manages it account for him, the resource transfers policing parameter being pre-configured corresponding to the Account Type is determined For first resource transition strategy parameter；

According to the first resource transition strategy parameter, according to the request for product element, applicant's account identification and institute It states applicant and identifies generation resource transfers request；

Resource transfers request is sent to applicant's terminal；The resource transfers request sent is used to indicate described Resource transfers request is shown by applicant's terminal, and corresponding in the resource transfers request for detecting with showing When resource transfers trigger action, resource transfers request is sent to applicant's account identification corresponding resource, clothes are provided Business device；

3. the method according to claim 1, wherein request for product request also carries request for product and wants Element；The resource transfers policing parameter being pre-configured according to Account Type inquiry, according to the resource transfers policing parameter Resource transfers processing is carried out, to receive the resource that the corresponding resource providing server of applicant's account identification is transferred to, packet It includes:

When the Account Type is current row account, the resource transfers policing parameter being pre-configured corresponding to the Account Type is determined For Secondary resource transition strategy parameter；

According to the Secondary resource transition strategy parameter, looking into for applicant's account identification is carried to financial server transmission Ask instruction；

The financial server is received for the Account Type mark of inquiry instruction feedback, and is based on the Account Type mark Know and determines the corresponding sub- Account Type of applicant's account identification；

Resource providing server is determined based on the sub- Account Type, and resource transfers request is sent to the resource and is provided Server, and receive the resource of the resource providing server transfer.

4. the method according to claim 1, wherein it is described request for product confirmation instruction is sent to it is described After provider identifies corresponding provider's terminal, the method also includes:

When receiving the confirmation message for agreeing application of provider's terminal feedback, by applicant's intermediate account In the resource transfer to system intermediate account；

Real-time detection present system time, when the present system time is consistent with the default triggered time, according to the offer Side, which identifies, determines provider's account；

5. the method according to claim 1, wherein the request for product request for receiving applicant's terminal and sending Before, the method also includes:

Receive the registration request corresponding with applicant's mark that applicant's terminal is sent；The registration request carries authorized certificate With seal information；

When the auditing result that the expression audit for receiving business personnel's terminal feedback passes through, establishing resource intermediate account will The resource intermediate account is pre-assigned to the applicant as applicant's intermediate account and identifies corresponding applicant's terminal.

6. the method according to claim 1, wherein the resource by applicant's intermediate account It is transferred to after provider's account corresponding with provider mark, the method also includes:

Receive the resource bid request that applicant's terminal is sent；The resource bid request carries applicant's mark Know, the product identification and resource receive account identification；

When the resource receives account identification and inconsistent applicant's account identification, Xiang Suoshu applicant's terminal feedback form Show the prompt information of supplement authorized certificate；

It receives the authorized certificate for carrying seal information that applicant's terminal is sent, and the resource bid is requested and institute It states authorized certificate and is sent to auditor terminal and checked；

When the review result that the expression review for receiving the auditor terminal feedback passes through, requested according to the resource bid Execute resource transfers operation.

7. according to claim 1 to method described in 6 any one, which is characterized in that described by applicant's intermediate account In the resource transfers to after provider's account corresponding with provider mark, the method also includes:

According to applicant mark, the product identification, applicant's account identification, provider mark, described mention Supplier's account and the resource of transfer obtain resource transfers element；

Element storage request is sent to block chain node；The element storage request sent is used to indicate the block The resource transfers element is written in block chain according to the chain process that enters of pre-configuration for chain link point.

8. a kind of resource transfers device, which is characterized in that described device includes:

Receiving module, for receiving the request for product request of applicant's terminal transmission；The request for product request carries application Side's mark, product identification, applicant's account identification and provider's mark；

Correction verification module, for matching applicant mark with the default identification list being pre-configured, to be tied according to matching Fruit carries out authorization check to applicant, when verification by after determine the corresponding Account Type of applicant's account identification；

Processing module, the resource transfers policing parameter for being pre-configured according to Account Type inquiry, turns according to the resource It moves policing parameter and carries out resource transfers processing, be transferred to receiving the corresponding resource providing server of applicant's account identification Resource；

Module is transferred, for the resource to be transferred applicant's transfer to predistribution and corresponding with applicant mark Account；

Confirmation module, for generating request for product confirmation instruction according to applicant mark and the product identification, and by institute It states request for product confirmation instruction and is sent to the corresponding provider's terminal of provider's mark；

Shift module will be described for when receiving the confirmation message for agreeing application of provider's terminal feedback The resource transfers extremely provider's account corresponding with provider mark in applicant's intermediate account.

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.