CN110910234A

CN110910234A - Resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN110910234A
Application number: CN201911005633.0A
Authority: CN
Inventors: 尹登峰
Original assignee: Zhejiang Dasou Vehicle Software Technology Co Ltd
Current assignee: Zhejiang Dasou Vehicle Software Technology Co Ltd
Priority date: 2019-10-22
Filing date: 2019-10-22
Publication date: 2020-03-24

Abstract

The application relates to a resource transfer method, a resource transfer device, a computer device and a storage medium. Firstly, when receiving a resource transfer request sent by an article receiving terminal, a transfer server determines whether the first resource transfer request needs to be responded according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal, wherein the first resource transfer request is sent by the article receiving terminal after completing a transfer protocol for a target article with an article providing terminal, and the resource quantity information is used for indicating the quantity of resources corresponding to the target article; then, when determining that the first resource transfer request needs to be responded, the transfer server sends a resource issuing request to the resource server; wherein, the resource issuing request is used for instructing the resource server to transfer the resource to the article providing terminal according to the resource quantity information. The resource transfer method improves the efficiency of loan service.

Description

Resource transfer method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a resource transfer method, apparatus, computer device, and readable storage medium.

Background

With the development of the internet and the financial field, more and more financial services can be executed by users through the internet, for example, financing services can be executed by users through the internet, wherein the execution efficiency of the financing services has become a current research focus, and a method capable of improving the execution efficiency of the financing services is urgently needed.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource transfer method, apparatus, computer device and storage medium capable of improving the execution efficiency of financing service.

In a first aspect, the present application provides a resource transfer method, including:

when a resource transfer request sent by an article receiving terminal is received, determining whether the first resource transfer request needs to be responded according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal, wherein the first resource transfer request is sent by the article receiving terminal after a transfer protocol aiming at a target article is completed with an article providing terminal, and the resource quantity information is used for indicating the quantity of resources corresponding to the target article;

when the first resource transfer request needs to be responded, sending a resource issuing request to a resource server;

wherein, the resource issuing request is used for instructing the resource server to transfer the resource to the article providing terminal according to the resource quantity information.

In the resource transfer method provided in this embodiment of the present application, the article receiving terminal may send a first resource transfer request to the transfer server after completing a transfer protocol with the article providing terminal for a target article, and the transfer server may send a resource issuing request to the resource server after determining that a response needs to be made to the first resource transfer request, so as to instruct the resource server to transfer a resource to the article providing terminal, where the first resource transfer request, that is, a loan service application in a loan service, is sent after the article receiving terminal and the article providing terminal establish a transfer protocol, and therefore, the first resource transfer request depends on a real article transfer protocol (for example, a new vehicle purchase protocol), so that the risk of financial bad accounts is low, and meanwhile, in the resource transfer method provided in this embodiment of the present application, the transfer server assists in resource transfer (that is, a loan service), in addition, the merchant corresponding to the transfer server can provide certain guarantee for the resource transfer (namely, loan service), which can also reduce the risk of financial bad accounts, and in addition, the resource server can directly transfer the resource (loan) to the article providing terminal, so that the article receiving terminal can be prevented from using the resource as the resource, which can also reduce the risk of financial bad accounts.

In one embodiment, the method further comprises:

after the resource server responds to the resource issuing request, a second resource transferring request is sent to the article receiving terminal, wherein the second resource transferring request is used for indicating the article receiving terminal to transfer resources to the resource server, and the quantity of the resources transferred to the resource server by the article receiving terminal is smaller than the quantity of the resources indicated by the resource quantity information carried by the first resource transferring request.

In the resource transfer method provided in this embodiment, after a merchant corresponding to an item providing terminal obtains a fund corresponding to a vehicle in a vehicle purchase agreement, a transfer server sends a request for payment of an initial payment to an item receiving terminal, and according to the request, the item receiving terminal needs to pay a certain amount of initial payment to a bank, and the item receiving terminal pays a certain amount of initial payment to the bank to prove that the merchant corresponding to the item receiving terminal has a certain operation capability, and meanwhile, the merchant corresponding to the item receiving terminal also establishes a credit-debit relationship with the bank.

In one embodiment, the method further comprises:

when the first resource transfer request needs to be responded, sending a checking instruction to the article transfer terminal, wherein the checking instruction is used for indicating a merchant corresponding to the article transfer terminal to check the target article and sending a checking result to the article receiving terminal;

correspondingly, the sending the resource issuing request to the resource server includes:

and after receiving the confirmation information of the checking result sent by the article receiving terminal, sending the resource issuing request to the resource server.

In the resource transfer method provided by this embodiment, when the transfer server determines that the first resource transfer request needs to be responded, the transfer server sends a check instruction to the article transfer terminal, and according to the check instruction, a merchant corresponding to the article transfer terminal goes to a merchant position corresponding to the article providing terminal to check a vehicle, and sends a check result to the article receiving terminal, so that the merchant corresponding to the article receiving terminal does not need to go to the merchant position corresponding to the article providing terminal to check the vehicle in the vehicle purchase protocol, and only the check result sent by the article transfer terminal needs to be checked, thereby reducing the tedious steps of checking the vehicle; meanwhile, after the transfer server receives the confirmation information of the target article inspection result sent by the article receiving terminal, the transfer server requests the resource server to send loan funds to the article providing terminal, so that the article receiving terminal is not required to send vehicle funds corresponding to the vehicle purchase agreement to the article providing terminal, the funds directly enter a merchant corresponding to the article providing terminal, the transparency of fund transfer is ensured, and the sales volume of the merchant corresponding to the article providing terminal is increased.

In one embodiment, the method further comprises:

and after receiving the confirmation information of the inspection result sent by the article receiving terminal, sending an article transporting instruction to the article transferring terminal, wherein the article transporting instruction is used for instructing a merchant corresponding to the article transferring terminal to transport the target article to a specified place.

In the resource transfer method provided by this embodiment, after the transfer server receives the verification result confirmation information sent by the item receiving terminal, the transfer server sends an item transportation instruction to the item transportation terminal, and according to the item transportation instruction, a merchant corresponding to the item transportation terminal can go to a merchant corresponding to the item providing terminal to transport a target item to a specified place for supervision, so as to prevent the merchant corresponding to the item receiving terminal from taking away the target item privately, thereby ensuring the safety of the target item.

In one embodiment, the method further comprises:

when determining that the first resource transfer request needs to be responded, sending an article transfer inquiry request to an article transfer terminal, wherein the article transfer inquiry request is used for indicating the article transfer terminal to send a target quantity of resources required for transferring the target article to the specified place to the transfer server;

after receiving the target quantity, sending the target quantity to the article receiving terminal;

correspondingly, the sending of the inspection instruction to the article transfer terminal includes:

and after receiving the confirmation instruction aiming at the target quantity sent by the article receiving terminal, sending the inspection instruction to the article transferring terminal.

In the resource transfer method provided in this embodiment, when it is determined that the first resource transfer request needs to be responded, the transfer server sends an article transfer query request to the article transfer terminal, according to the article transfer query request, the transfer server can query a logistics cost required by a merchant corresponding to the article transfer terminal to transfer the target article to a specified location, if the merchant corresponding to the article receiving terminal does not agree with the logistics cost, the transfer server can send a check instruction to the article transfer terminal, according to the check instruction, the merchant corresponding to the article transfer terminal can go to the merchant corresponding to the article providing terminal to check the target article, because the merchant corresponding to the article receiving terminal and the merchant corresponding to the article transfer terminal agree with each other in terms of the logistics cost through the transfer server, and meanwhile, through the transfer server, the merchant corresponding to the article transfer terminal can check the target article, therefore, the transfer server can provide certain guarantee function as an intermediate link for executing operation between the article receiving terminal and the article transferring terminal.

In one embodiment, the method further comprises:

when a request of the article receiving terminal for extracting the target article from the specified place is received, a resource returning request is sent to the article receiving terminal, and the resource returning request is used for indicating the article receiving terminal to return the resources of the quantity corresponding to the target article to be extracted to the resource server;

and after receiving the resource returning success information sent by the resource server, sending extraction permission information to the article transfer terminal, wherein the extraction permission information is used for indicating that the article transfer terminal permits the article receiving terminal to extract the target article.

In the resource transfer method provided in this embodiment, when receiving a request of a merchant corresponding to an item receiving terminal to extract a target item from a specified location, a transfer server sends a resource return request to the item receiving terminal, according to the resource returning request, after the merchant corresponding to the article receiving terminal returns the fund corresponding to the target article to the bank, the transfer server sends the extraction permission information to the article transfer terminal, and after the article transfer terminal receives the extraction permission information, according to the extraction permission information, the merchant corresponding to the item receiving terminal can extract the target item, namely, after the merchant corresponding to the article providing terminal needs to return the fund corresponding to the target article to be extracted to the bank, the merchant corresponding to the article providing terminal can extract the target article, the mode provides certain guarantee for the bank, and meanwhile, the loan credit of the merchant corresponding to the article receiving terminal is improved.

In one embodiment, the method further comprises:

after receiving the first resource transfer request sent by the item receiving terminal, sending a resource limit query request to the resource server, wherein the resource limit query request is used for indicating the resource server to query the resource transfer limit of the item receiving terminal.

In the resource transfer method provided by this embodiment, after receiving a first resource transfer request sent by an item receiving terminal, a transfer server sends a resource amount query request to a resource server, and through the resource amount query request, the transfer server may query an amount which can be loaned by a merchant corresponding to the item receiving terminal, where the amount may be used as a basis for whether the merchant corresponding to the item receiving terminal can make a loan.

In a second aspect, the present application provides an apparatus for transferring resources, the apparatus comprising:

a determining module, configured to determine whether a response to a first resource transfer request is required according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to an article receiving terminal when receiving a resource transfer request sent by the article receiving terminal, where the first resource transfer request is sent by the article receiving terminal after a transfer protocol for a target article is completed with an article providing terminal, and the resource quantity information is used to indicate a quantity of resources corresponding to the target article;

a first sending module, configured to send a resource issuing request to a resource server when it is determined that the first resource transfer request needs to be responded;

In one embodiment, the apparatus further includes a second sending module, where the second sending module is specifically configured to:

In one embodiment, the apparatus further includes a third sending module, where the third sending module is specifically configured to:

correspondingly, the first sending module is further specifically configured to:

In one embodiment, the apparatus further includes a fourth sending module, where the fourth sending module is specifically configured to:

In one embodiment, the apparatus further includes a fifth sending module, where the fifth sending module is specifically configured to:

correspondingly, the third sending module is further specifically configured to:

In one embodiment, the apparatus further includes a sixth sending module, where the sixth sending module is specifically configured to:

In one embodiment, the apparatus further includes a seventh sending module, where the seventh sending module is specifically configured to:

In a third aspect, the present application provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of any of the first aspects when executing the computer program.

In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of any of the first aspects described above.

The resource transfer method, the resource transfer device, the computer equipment and the readable storage medium are provided. Firstly, when receiving a resource transfer request sent by an article receiving terminal, a transfer server determines whether the first resource transfer request needs to be responded according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal, wherein the first resource transfer request is sent by the article receiving terminal after completing a transfer protocol for a target article with an article providing terminal, and the resource quantity information is used for indicating the quantity of resources corresponding to the target article; then, when determining that the first resource transfer request needs to be responded, the transfer server sends a resource issuing request to the resource server; wherein, the resource issuing request is used for instructing the resource server to transfer the resource to the article providing terminal according to the resource quantity information.

The article receiving terminal may send a first resource transfer request to the transfer server after completing a transfer protocol with the article providing terminal for a target article, and the transfer server may send a resource issuing request to the resource server after determining that a response needs to be made to the first resource transfer request, so as to instruct the resource server to transfer the resource to the article providing terminal, because the first resource transfer request, that is, a loan service application in a loan service, is sent after the article receiving terminal and the article providing terminal establish the transfer protocol, the first resource transfer request depends on a real article transfer protocol (for example, a new vehicle purchase protocol), so that a risk of bad financial accounts is low, and meanwhile, in the resource transfer method provided in the embodiment of the present application, the transfer server assists in resource transfer (that is, a loan service), and the merchant corresponding to the transfer server can provide certain guarantee for the resource transfer (namely, the loan service), which can also reduce the risk of financial bad accounts, and because the risk of financial bad accounts is reduced, the auditing period of the application of the loan service by the bank staff is greatly shortened, thereby improving the efficiency of the loan service.

Drawings

FIG. 1 is a diagram of an environment in which a resource transfer method may be implemented in one embodiment;

FIG. 2 is a diagram of an environment for implementing a resource transfer method in another embodiment;

FIG. 3 is a flowchart illustrating a resource transfer method according to an embodiment;

FIG. 4 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 5 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 6 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 7 is a flowchart illustrating a resource transfer method according to another embodiment;

FIG. 8 is a block diagram of an apparatus for transferring resources according to an embodiment;

FIG. 9 is a block diagram showing the construction of a resource transfer apparatus according to another embodiment;

FIG. 10 is a diagram showing an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

Currently, with the development of the internet and the financial field, more and more financial services can be performed by a user through the internet, for example, the user can perform a financing service through the internet, wherein a loan service is a common financing service.

In the related technology, a merchant who needs to perform loan transaction through the internet can send a loan transaction application to a bank server through a terminal of the merchant and send loan audit data to the bank server, after the bank server receives the loan transaction application and the loan audit data, a bank worker can audit the merchant based on the loan audit data, if the loan transaction application and the loan audit data are received by the bank server, the bank server can issue a loan to the merchant, and if the loan transaction application and the loan audit data are not received by the bank server, the bank server cannot issue a loan to the merchant.

For example, in the field of new vehicle circulation, a vehicle dealer, which is an enterprise that purchases vehicles in bulk from a vehicle supplier and sells the vehicles directly to customers, usually performs a loan transaction through the internet in order to increase its own operation scale. When loan is performed through the Internet, a vehicle dealer can send a loan application to a bank server through a terminal of the vehicle dealer, and send loan audit data to the bank server, wherein the loan audit data can be operation condition data of capital flow of the vehicle dealer, and the like.

However, in the above related art, when the bank performs the audit of the loan audit data, the audit period is long, and if the loan audit data of the merchant cannot meet the related requirements of the bank, the loan audit of the merchant is difficult to pass through the audit of the bank staff, so that the loan issued to the merchant by the bank server cannot be obtained, and these factors all affect the execution efficiency of the loan transaction.

Particularly, for small and micro enterprises such as a vehicle dealer, the capital flow condition is not good, so that after the staff of the bank checks the operation conditions such as the capital flow condition and the like, the staff of the bank usually finds that the vehicle dealer is difficult to meet the requirement of the bank on the loan, so that the staff of the bank may not agree with the loan application of the vehicle dealer, and the vehicle dealer cannot obtain the loan issued by the bank server; moreover, the time period for the bank staff to check the vehicle dealers applying for the loan service is long, and finally the efficiency of executing the loan service is low.

The embodiment of the application provides a resource transfer method which can improve the execution efficiency of loan service.

In the following, a brief description will be given of an implementation environment related to the resource transfer method provided in the embodiment of the present application.

Referring to fig. 1, fig. 1 is a schematic diagram of a possible implementation environment related to a resource transfer method according to an embodiment of the present disclosure. As shown in fig. 1, the implementation environment may include an item receiving terminal 101, an item providing terminal 102, a transit server 103, and a resource server 104. The article receiving terminal 101 may establish a communication connection with the article providing terminal 102 in a wired or wireless manner, meanwhile, the article receiving terminal 101 may establish a communication connection with the relay server 103 in a wired or wireless manner, and the relay server 103 may establish a communication connection with the resource server 104 in a wired or wireless manner.

The transit server 103 may provide a transit service for the loan transaction, and is used for transit of loan transaction information between a server of a financial institution (e.g., a banking server) and a terminal of a merchant (e.g., a vehicle dealer in the new vehicle circulation field) that needs to perform the loan transaction, so as to assist the financial institution and the merchant in completing the loan transaction. Optionally, the merchant corresponding to the transit server 103 may also play a role in providing a certain loan guarantee for the merchant performing the loan transaction.

The resource server 104 may be a server of a financial institution, for example, the resource server 104 may be a bank server.

Alternatively, in the field of new vehicle circulation, the article receiving terminal 101 may be a terminal held by a vehicle dealer, and the article providing terminal 102 may be a terminal held by a vehicle supplier.

Referring to fig. 2, fig. 2 is a schematic diagram of another possible implementation environment related to a resource transfer method according to an embodiment of the present disclosure. As shown in fig. 2, the implementation environment may further include an article transfer terminal 105 in addition to the devices in the implementation environment shown in fig. 1, wherein the article transfer terminal 105 may establish a communication connection with the transit server 103 in a wired or wireless manner.

In the field of new car circulation, the article transfer terminal 105 may be a terminal held by a new car transfer merchant, where the new car transfer merchant is configured to transfer vehicles purchased in bulk by a vehicle dealer from a vehicle supplier to a specified location, where the specified location may be a storage warehouse of the vehicle, or the like.

It should be noted that the article receiving terminal 101, the article providing terminal 102 and the article transferring terminal 105 in fig. 1 and fig. 2 may be, but are not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices, and the transit server 103 and the resource server 104 may be implemented by independent servers or a server cluster composed of a plurality of servers.

In an embodiment of the present application, as shown in fig. 3, a resource transfer method is provided, which is described by taking the method as an example applied to the transit server 104 in fig. 1 or fig. 2, and includes the following steps:

step 201, when receiving a first resource transfer request sent by an article receiving terminal, a transit server determines whether to respond to the first resource transfer request according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal.

The first resource transfer request is sent by the item receiving terminal after completing a transfer protocol for a target item with the item providing terminal, and the resource quantity information is used for indicating the quantity of the resource corresponding to the target item.

In the following, the embodiments of the present application will describe the technical solutions provided in the embodiments of the present application only by taking the new vehicle circulation field as an example. It should be noted that the loan service in other fields is implemented in the same way as the loan service in the new vehicle circulation field, and the embodiments of the present application are not described herein again.

In this embodiment of the application, before the transfer server receives the first resource transfer request sent by the item receiving terminal, the item receiving terminal may send loan audit data to the transfer server, and after the transfer server receives the loan audit data, a merchant corresponding to the transfer server may audit the loan qualification of a merchant (which may be a vehicle dealer) corresponding to the item receiving terminal based on the loan audit data. If the verification is passed, the transfer server can forward loan verification data sent by the item receiving terminal to the resource server, after the resource server receives the loan verification data, staff corresponding to the resource server can verify the loan verification data, and if the verification is passed, the transfer server can add a merchant corresponding to the item receiving terminal to a loan service white list, wherein the merchant in the loan service white list has the qualification of loan service.

After the item receiving terminal and the item providing terminal complete a transfer protocol for a target item, the item receiving terminal may send a first resource transfer request to the transfer server, where the first resource transfer request may carry resource quantity information indicating a quantity of resources corresponding to the target item, and in a new vehicle circulation field, the transfer protocol for the target item may be a purchase protocol for a vehicle, the first resource transfer request may be a loan service application, and the quantity of resources corresponding to the target item may be a payment amount that the vehicle needs to be purchased. Colloquially, after a vehicle dealer has entered into a vehicle purchase agreement with a vehicle supplier, the vehicle dealer may apply for a loan in accordance with the amount of money required to purchase the vehicle.

After receiving the first resource transfer request, the transit server may determine whether to respond to the first resource transfer request according to the resource quantity information carried in the first resource transfer request and the resource transfer limit corresponding to the article receiving terminal, where the resource transfer limit corresponding to the article receiving terminal may be a loan limit of the vehicle dealer.

In general, when the quantity indicated by the resource quantity information carried by the first resource transfer request is greater than the resource transfer limit corresponding to the item receiving terminal, the relay server may not respond to the first resource request, and otherwise, when the quantity indicated by the resource quantity information carried by the first resource transfer request is less than or equal to the resource transfer limit corresponding to the item receiving terminal, the relay server may respond to the first resource request.

Colloquially, when the amount of money required for the vehicle dealer to purchase the vehicle (i.e., the amount of money that it needs to loan) is greater than the loan amount of the vehicle dealer, the bank does not loan the vehicle dealer, and therefore, in this case, the transit server may not respond to the first resource request, whereas, when the amount of money required for the vehicle dealer to purchase the vehicle (i.e., the amount of money that it needs to loan) is less than or equal to the loan amount of the vehicle dealer, the bank may loan the vehicle dealer, at which time the transit server may respond to the first resource request.

Step 202, the transit server sends a resource issuing request to the resource server when determining that the first resource transfer request needs to be responded.

As described above, when the quantity indicated by the resource quantity information carried by the first resource transfer request is less than or equal to the resource transfer amount corresponding to the item receiving terminal, the transfer server may respond to the first resource request, in other words, when the sum of money required by the vehicle dealer to purchase the vehicle (i.e., the sum of money required for loan) is less than or equal to the loan amount of the vehicle dealer, the transfer server may respond to the first resource request.

The responding to the first resource request may be: the transfer server can assist the resource server and the goods receiving terminal to complete loan service. Optionally, in the process of assisting the resource server and the item receiving terminal to complete the loan service, the transfer server may send a resource issuing request to the resource server, where the resource issuing request is used to instruct the resource server to transfer the resource to the item providing terminal according to the resource quantity information, and colloquially, the resource issuing request may instruct the resource server (which may be a bank server) to issue a loan to the vehicle provider according to the amount of money for purchasing the vehicle.

As shown in fig. 4, on the basis of the above-mentioned embodiment, another resource transfer method is further provided in the embodiment of the present application, in the resource transfer method, the transit server may obtain the resource transfer quota of the item receiving terminal according to the technical process of step 301, and similarly, the application of the method to the transit server 104 in fig. 1 or fig. 2 is taken as an example for description, and the method includes the following steps:

step 301, after receiving a first resource transfer request sent by an article receiving terminal, a transit server sends a resource quota query request to a resource server, where the resource quota query request is used to instruct the resource server to query a resource transfer quota of the article receiving terminal.

After receiving the first resource transfer request sent by the item receiving terminal, the transit server may send a resource quota query request to the resource server to query the resource quota of the item receiving terminal, which may be a loan quota, as described above. Colloquially, the transit server may query the bank for the vehicle dealer's loan amount at the bank.

Step 302, the transfer server receives the resource transfer limit of the article receiving terminal sent by the resource server.

As shown in fig. 5, on the basis of the above-mentioned embodiment, another resource transfer method is further provided in this embodiment, in the resource transfer method, before the transit server performs step 202, the transit server may perform the technical process of step 401, and at the same time, the transit server may implement step 202 according to the technical process described in step 402, and similarly, taking as an example that the method is applied to the transit server 104 in fig. 1 or fig. 2, the method includes the following steps:

step 401, when determining that the first resource transfer request needs to be responded, the transfer server sends a checking instruction to the article transfer terminal.

This inspection instruction is used for instructing the trade company that article transportation terminal corresponds to inspect the target article to with the inspection result send this article receiving terminal, as above, in new car circulation field, the trade company that article transportation terminal corresponds can transport the trade company for new car.

When the transfer server determines that the first resource transfer request needs to be responded, the transfer server can send a checking instruction to the article transfer terminal to indicate a merchant corresponding to the article transfer terminal to go to a merchant corresponding to the article providing terminal to check the target article, namely when the transfer server determines that the first resource transfer request needs to be responded, the transfer server sends a checking instruction for checking the vehicle in the vehicle purchase agreement to the article transfer terminal.

After receiving the inspection instruction, the article transfer terminal can analyze the inspection instruction, and the analyzed inspection instruction is specific to the target article, so that a merchant corresponding to the article transfer terminal can go to the merchant corresponding to the article providing terminal to inspect the target article, and send the inspection result to the article receiving terminal.

Specifically, after the article transfer terminal receives the inspection instruction, the article transfer terminal analyzes the inspection instruction, and the vehicle in the vehicle purchase agreement is analyzed by the inspection instruction, so that a merchant corresponding to the article transfer terminal goes to a merchant corresponding to a vehicle provider to inspect the vehicle in the vehicle purchase agreement, and the inspected content can be whether the number, the model, the appearance, the performance and the like of the vehicle are consistent with the vehicle in the vehicle purchase agreement, and then the article transfer terminal sends the inspection result to the transfer server in the form of characters or pictures.

Step 402, after receiving the confirmation information of the inspection result sent by the article receiving terminal, the transit server sends the resource issuing request to the resource server.

The transfer server sends the inspection result of the target object to the object receiving terminal, the object receiving terminal confirms the inspection result of the target object and sends the confirmation information of the inspection result of the target object to the transfer server, wherein the confirmation information of the inspection result can be used for indicating a merchant corresponding to the object providing terminal to confirm the inspection result of the target object without errors. The vehicle inspection method comprises the steps that a vehicle purchase agreement is obtained, a vehicle is purchased by a vehicle dealer, the vehicle dealer confirms the vehicle inspection result after receiving the vehicle inspection result, and the vehicle dealer sends confirmation information of the vehicle inspection result to a transfer server after confirming that the vehicle inspection result is correct.

And after receiving the confirmation information of the target article inspection result, the transfer server sends a resource issuing request to the resource server, wherein the resource issuing request is used for indicating the resource server to transfer the resource to the article providing terminal according to the resource quantity information. Generally speaking, after the transfer server receives the confirmation information of the vehicle inspection result, the transfer server instructs the resource server to release the loan funds required by the merchant corresponding to the article receiving terminal to the vehicle supplier.

As shown in fig. 6, on the basis of the above-mentioned embodiment, another resource transfer method is further provided in this embodiment of the present application, in the resource transfer method, before the transit server performs step 401, the transit server may perform the technical processes of

steps

501 and 502, and at the same time, the transit server may implement step 401 according to the technical process described in step 503, and similarly, taking as an example that the method is applied to the transit server 104 in fig. 1 or fig. 2, the method includes the following steps:

step 501, when determining that the first resource transfer request needs to be responded, the transit server sends an article transfer inquiry request to the article transfer terminal, where the article transfer inquiry request is used to instruct the article transfer terminal to send the target quantity of resources required for transferring the target article to the specified location to the transit server.

When the transit server has determined to respond to the first resource transfer request, the transit server may send an item transfer inquiry request to the item transfer terminal, the item transfer inquiry request instructing the item transfer terminal to send to the transit server a target amount of resources required to transfer the target item to the specified location. The target quantity of the resource can be logistics cost required by a merchant corresponding to the article transfer terminal for transferring the target article from the merchant corresponding to the article providing terminal to the specified place.

In other words, the relay server may inquire of the item transfer terminal a freight price required to transfer the vehicle in the vehicle purchase agreement to the place specified by the vehicle dealer when it is determined that the first resource transfer request by the vehicle dealer needs to be responded.

Step 502, after receiving the target quantity, the transit server sends the target quantity to the item receiving terminal.

The object transferring terminal sends the target quantity of the resources required by transferring the target object to the appointed place to the transfer server, and the transfer server sends the target quantity to the object receiving terminal after receiving the target quantity. That is, the article transfer terminal transmits the freight price required for transferring the vehicle in the vehicle purchase agreement to the designated location of the vehicle dealer to the transfer server, and the transfer server receives the freight price and then transmits the freight price to the article receiving terminal.

In step 503, after receiving the confirmation instruction for the target quantity sent by the article receiving terminal, the transit server sends the inspection instruction to the article transfer terminal.

As described above, the article transfer terminal sends the target quantity of the resource required for transferring the target article to the designated location to the transfer server, and the transfer server sends the target quantity to the article receiving terminal after receiving the target quantity.

Then, after the object receiving terminal receives the target quantity, under the condition that a merchant corresponding to the object receiving terminal confirms the target quantity, the object receiving terminal sends a confirmation instruction for the target quantity to the transit server, the transit server receives the confirmation instruction for the target quantity, and then the transit server sends a check instruction to the object transit terminal.

In general, after the vehicle dealer receives the transportation cost price required for transporting the vehicle in the vehicle purchase agreement to the designated location of the vehicle dealer, which is sent by the article transfer terminal, the vehicle dealer sends confirmation information for the transportation cost price to the transfer server, and after the transfer server receives the confirmation information for the transportation cost price, the transfer server sends verification information for the vehicle to the vehicle supplier corresponding to the article transfer terminal to check the vehicle.

On the basis of the above embodiments, the present application provides another resource transfer method, and similarly, the method is described as being applied to the transit server 104 in fig. 1 or fig. 2, and includes the following steps:

after the resource server responds to the resource issuing request, the transit server sends a second resource transfer request to the article receiving terminal, wherein the second resource transfer request is used for indicating the article receiving terminal to transfer the resource to the resource server, and the quantity of the resource transferred to the resource server by the article receiving terminal is smaller than the quantity of the resource indicated by the resource quantity information carried by the first resource transfer request.

As described above, the relay server sends the resource issue request to the resource server after receiving the confirmation information of the target article verification result sent by the article receiving terminal.

And after responding to the resource issuing request, the resource server sends a second resource transferring request to the article receiving terminal, wherein the second resource transferring request is used for indicating the article receiving terminal to transfer the resource to the resource server, and the quantity of the resource transferred to the resource server by the article receiving terminal is smaller than the quantity of the resource indicated by the resource quantity information carried by the first resource transferring request. In the field of new vehicle circulation, the amount of the resource transferred to the resource server by the vehicle dealer refers to an amount of initial payment paid to the bank by the vehicle dealer, and the amount of the resource indicated by the resource amount information carried by the first resource transfer request refers to the amount of money required for the vehicle dealer to purchase the vehicle. Typically, the vehicle dealer pays the bank an amount of an initial payment that is less than the amount of money required by the vehicle dealer to purchase the vehicle.

Colloquially, if the bank permits the vehicle dealer to make a loan at the bank, the vehicle dealer needs to pay an amount of an initial payment to the bank, at which time the bank can send a second resource transfer request to the vehicle dealer via the transfer server, the second resource transfer request instructing the vehicle dealer to transfer to the bank an amount of the initial payment as a guaranteed fund for a portion of the loan from the vehicle dealer to the bank, wherein the amount of the initial payment is specifically set according to an amount of money required by the vehicle dealer to purchase the vehicle, for example, the initial payment may be 20% of an amount of money required by the vehicle dealer to purchase the vehicle, and the amount of the payment cannot exceed the amount of money required by the vehicle dealer to purchase the vehicle.

As described above, the object transfer terminal transmits the target object inspection result to the object receiving terminal, and the object receiving terminal confirms the target object inspection result and transmits confirmation information of the target object inspection result to the relay server.

After the transfer server receives the confirmation information of the target article detection result sent by the article receiving terminal, the transfer server sends an article transportation instruction to the article transportation terminal, and the article transportation instruction is used for indicating a merchant corresponding to the article transportation terminal to transport the target article to a specified place. Specifically, in the field of new vehicle circulation, after the transfer server receives the confirmation information of the vehicle inspection result sent by the vehicle dealer, the transfer server sends a vehicle transportation instruction to the article transportation terminal, and the article transportation terminal receives the vehicle transportation instruction and analyzes that the vehicle transportation instruction carries information for transporting the vehicle to a specified place, so that the article transportation terminal goes to the vehicle supplier to extract the vehicle in the vehicle purchase agreement and transport the vehicle to the place specified by the vehicle dealer, and the place can be a place similar to a warehouse or the like where the vehicle can be stored.

As shown in fig. 7, on the basis of the above-mentioned embodiment, another resource transfer method is provided in the embodiment of the present application, and similarly, the method is described by taking the example of applying the method to the transit server 104 in fig. 1 or fig. 2, and includes the following steps:

step 601, when receiving a request of the item receiving terminal for extracting the target item from the designated location, the transit server sends a resource returning request to the item receiving terminal, where the resource returning request is used to instruct the item receiving terminal to return the resource corresponding to the target item to be extracted to the resource server.

At the moment, the target object is stored in the appointed place of the object receiving terminal, at the moment, a client purchases the target object from the merchant corresponding to the object receiving terminal, the merchant corresponding to the object receiving terminal and the client go to the appointed place of the object receiving terminal together to extract the target object, and the target object is supervised by the merchant corresponding to the object transferring terminal, so that if the object receiving terminal extracts the target object, the permission of the merchant corresponding to the object transferring terminal is needed; therefore, the article receiving terminal may send a request for extracting the target article from the designated location to the relay server, and after receiving the request, the relay server sends a resource returning request to the article receiving terminal, where the resource returning request is used to instruct the article receiving terminal to return the resource corresponding to the target article to be extracted to the resource server.

In general, when a customer purchases a vehicle at a vehicle dealer, a worker of the vehicle dealer and the customer go to a designated location of the vehicle dealer where the vehicle is stored together, and the customer selects the vehicle, the worker of the vehicle dealer needs to pick up the vehicle selected by the customer, and since the vehicles are monitored by a merchant corresponding to an article transfer terminal, the selected vehicle can be taken away by the vehicle dealer only after the merchant corresponding to the article transfer terminal grants permission, so that the terminal held by the vehicle dealer can send a request for picking up the vehicle from the designated location to a transfer server, the transfer server responds to the request, and sends a resource return request for instructing the vehicle dealer to return funds corresponding to the vehicle to be picked up to a bank, in other words, vehicle dealerships need to pay a bank to collect vehicles, and the amount of money paid is the vehicle price corresponding to the vehicle to be collected by the vehicle dealership.

The merchant corresponding to the article receiving terminal needs to return funds corresponding to the target articles to be extracted to the resource server, so that the target articles to be extracted can be taken away, customers who purchase the target articles in the future are mostly customers, the scale of purchasing the target articles is not large, and the funds required to be returned by the merchant corresponding to the article receiving terminal are not large, so that the pressure of returning the funds by the merchant corresponding to the article receiving terminal is reduced.

Step 602, after receiving the resource returning success information sent by the resource server, the transit server sends extraction permission information to the article transfer terminal, where the extraction permission information is used to instruct the article transfer terminal to permit the article receiving terminal to extract the target article.

As described above, when the relay server receives the request of the item receiving terminal to extract the target item from the designated location, the resource returning request is sent to the item receiving terminal, and the resource returning request is used for instructing the item receiving terminal to return the resource corresponding to the target item to be extracted to the resource server.

The article receiving terminal receives the resource returning request sent by the transfer server, the article receiving terminal responds to the resource returning request, the article receiving terminal returns the resource to the resource server, the resource server sends resource returning success information to the transfer server after receiving the returning resource, the transfer server sends extraction permission information to the article transfer terminal after receiving the resource returning success information, and the extraction permission information is used for indicating the article transfer terminal to permit the article receiving terminal to extract the target article.

Generally speaking, after the vehicle dealer returns the vehicle cost corresponding to the vehicle to be extracted to the bank, the transfer server sends information that the vehicle dealer can extract the vehicle from the specified place to the article transfer terminal, and after the article transfer terminal receives the information, the vehicle dealer can extract the vehicle from the specified place.

It should be understood that although the various steps in the flow charts of fig. 3-7 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 3-7 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.

In one embodiment, as shown in fig. 8, there is provided a resource transfer apparatus 700, including: a determining module 701 and a first sending module 702, wherein:

a determining module 701, configured to determine whether it is necessary to respond to the first resource transfer request according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal when receiving a resource transfer request sent by the article receiving terminal, where the first resource transfer request is sent by the article receiving terminal after completing a transfer protocol for a target article with an article providing terminal, and the resource quantity information is used to indicate a quantity of resources corresponding to the target article.

A first sending module 702, configured to send a resource issuing request to a resource server when it is determined that the first resource transfer request needs to be responded, where the resource issuing request is used to instruct the resource server to transfer resources to the item providing terminal according to the resource quantity information.

Referring to fig. 9, an embodiment of the present application further provides another resource transfer apparatus 800, where the resource transfer apparatus 800 includes, in addition to the modules included in the resource transfer apparatus 700, optionally, the resource transfer apparatus 800 may further include: a second sending module 703, a third sending module 704, a fourth sending module 705, a fifth sending module 706, a sixth sending module 707, and a seventh sending module 708.

In one embodiment, the resource transfer apparatus 800 further includes the second sending module 703, where the second sending module 703 is configured to:

In one embodiment, the resource transfer apparatus 800 further includes the third sending module 704, where the third sending module 704 is configured to:

and when determining that the first resource transfer request needs to be responded, sending a checking instruction to the article transfer terminal, wherein the checking instruction is used for instructing a merchant corresponding to the article transfer terminal to check the target article, and sending a checking result to the article receiving terminal.

Correspondingly, the first sending module 702 is further specifically configured to:

In one embodiment, the resource transfer apparatus 800 further includes the fourth sending module 705, where the fourth sending module 705 is configured to:

In one embodiment, the resource transfer apparatus 800 further includes the fifth sending module 706, and the fifth sending module 706 is configured to:

when determining that the first resource transfer request needs to be responded, sending an article transfer inquiry request to the article transfer terminal, wherein the article transfer inquiry request is used for indicating the article transfer terminal to send a target quantity of resources required for transferring the target article to the specified place to the transfer server, and after receiving the target quantity, sending the target quantity to the article receiving terminal.

Correspondingly, the third sending module 704 is specifically configured to:

In one embodiment, the resource transfer apparatus 800 further includes the sixth sending module 707, and the sixth sending module 707 is configured to:

when a request of the article receiving terminal for extracting the target article from the specified place is received, a resource returning request is sent to the article receiving terminal, the resource returning request is used for indicating the article receiving terminal to return the resources corresponding to the target article to be extracted to the resource server, after the resource returning success information sent by the resource server is received, extraction permission information is sent to the article transfer terminal, and the extraction permission information is used for indicating the article transfer terminal to permit the article receiving terminal to extract the target article.

In one embodiment, the apparatus 800 further includes the seventh sending module 708, and the seventh sending module 708 is configured to:

For the specific limitation of the resource transfer apparatus, reference may be made to the above limitation on the resource transfer method, which is not described herein again. The modules in the resource transfer device can be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 10. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is for storing resource transfer data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

Those skilled in the art will appreciate that the architecture shown in fig. 10 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

when a first resource transfer request sent by an article receiving terminal is received, determining whether the first resource transfer request needs to be responded according to resource quantity information carried by the first resource transfer request and a resource transfer limit corresponding to the article receiving terminal, wherein the first resource transfer request is sent by the article receiving terminal after a transfer protocol aiming at a target article is completed with an article providing terminal, and the resource quantity information is used for indicating the quantity of resources corresponding to the target article;

and when determining that the first resource transfer request needs to be responded, sending a resource issuing request to a resource server, wherein the resource issuing request is used for indicating the resource server to transfer the resource to the article providing terminal according to the resource quantity information.

In one embodiment, the processor, when executing the computer program, further performs the steps of:

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

In one embodiment, the computer program when executed by the processor further performs the steps of:

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A resource transfer method, used in a transit server, the method comprising:

and when determining that the first resource transfer request needs to be responded, sending a resource issuing request to a resource server, wherein the resource issuing request is used for indicating the resource server to transfer resources to the article providing terminal according to the resource quantity information.

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

when the first resource transfer request needs to be responded, sending a checking instruction to an article transfer terminal, wherein the checking instruction is used for instructing a merchant corresponding to the article transfer terminal to check the target article and sending a checking result to the article receiving terminal;

and after receiving the confirmation information of the inspection result sent by the article receiving terminal, sending the resource issuing request to the resource server.

4. The method of claim 3, further comprising:

and after receiving the confirmation information of the inspection result sent by the article receiving terminal, sending an article transporting instruction to the article transferring terminal, wherein the article transporting instruction is used for indicating a merchant corresponding to the article transferring terminal to transport the target article to a specified place.

5. The method of claim 4, further comprising:

and after receiving the confirmation instruction aiming at the target quantity sent by the article receiving terminal, sending the inspection instruction to the article transfer terminal.

6. The method of claim 4, further comprising:

when a request of the article receiving terminal for extracting the target article from the designated place is received, a resource returning request is sent to the article receiving terminal, wherein the resource returning request is used for indicating the article receiving terminal to return the resources of the quantity corresponding to the target article to be extracted to the resource server;

after receiving the resource returning success information sent by the resource server, sending extraction permission information to the article transfer terminal, wherein the extraction permission information is used for indicating that the article transfer terminal permits the article receiving terminal to extract the target article.

7. The method of claim 1, further comprising:

after receiving the first resource transfer request sent by the article receiving terminal, sending a resource limit query request to the resource server, wherein the resource limit query request is used for indicating the resource server to query the resource transfer limit of the article receiving terminal.

8. An apparatus for resource transfer, the apparatus comprising:

a first sending module, configured to send a resource allocation request to a resource server when it is determined that the first resource transfer request needs to be responded, where the first resource allocation request is used to instruct the resource server to transfer resources to the article providing terminal according to the resource quantity information.

9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.