CN111131420A

CN111131420A - Electronic resource transfer method, device and storage medium

Info

Publication number: CN111131420A
Application number: CN201911289375.3A
Authority: CN
Inventors: 刘禹铭; 夏博彦; 凌竞男; 姚兵; 刘斌; 黄槽源; 杨儒; 贾成丞
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-12-12
Filing date: 2019-12-12
Publication date: 2020-05-08
Anticipated expiration: 2039-12-12
Also published as: CN111131420B

Abstract

The embodiment of the application discloses an electronic resource transfer method, electronic resource transfer equipment and a storage medium, wherein the method comprises the following steps: analyzing a first resource packet for transferring electronic resources from a first terminal to a second terminal to obtain resource transfer information; selecting a second adaptive template matched with a second resource transfer platform according to the alliance service protocol; packaging the resource transfer information by adopting a second adaptive template to obtain a second resource packet; and transmitting the second resource packet to the second terminal, and transferring the target transfer resource to the second terminal according to the first resource value if receiving a pickup response message about the second resource packet transmitted by the second terminal. According to the embodiment of the application, electronic resource transfer can be realized among different resource transfer platforms, and the convenience of electronic resource transfer is improved.

Description

Electronic resource transfer method, device and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, and a storage medium for transferring electronic resources.

Background

In daily life, different places can provide different services for users, for example, restaurants can provide dining services for users, movie theaters can provide viewing services for users, parking lots can provide parking services for users, and the like. Typically, after a user experiences or purchases these services, a certain amount of electronic resources need to be transferred from the experiencer's account address to the merchant's account address. In a traditional electronic resource transfer scheme, when account addresses of a sending electronic resource party and a receiving electronic resource party belong to the same resource transfer platform, electronic resource transfer can be realized, so that the convenience of electronic resource transfer is low.

Content of application

The technical problem to be solved by the embodiments of the present application is to provide an electronic resource transfer method, an electronic resource transfer device, and a storage medium, which can implement electronic resource transfer between different resource transfer platforms, and improve convenience of electronic resource transfer.

An embodiment of the present application provides an electronic resource transfer method, including:

analyzing a first resource packet used for transferring electronic resources from a first terminal to a second terminal to obtain resource transfer information, wherein the first resource packet is obtained by packaging the resource transfer information by the first terminal by adopting a first adaptive template matched with a first resource transfer platform, the resource transfer information comprises a first resource value corresponding to the resources to be transferred, and the first terminal and the second terminal are both alliance members meeting alliance service protocols; the second terminal belongs to a second resource transfer platform;

selecting a second adaptive template matched with the second resource transfer platform according to the alliance service protocol;

packaging the resource transfer information by adopting the second adaptive template to obtain a second resource packet;

and sending the second resource packet to the second terminal, and transferring target transfer resources to the second terminal according to the first resource value if receiving a pickup response message about the second resource packet sent by the second terminal.

acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to a resource to be transferred, and the first terminal and the second terminal are both alliance members meeting alliance service protocols;

selecting a first adaptive template matched with a first resource transfer platform according to the alliance service protocol;

packaging the resource transfer information by adopting the first adaptive template to obtain a first resource packet;

sending the first resource packet to an intermediate server so that the intermediate server adopts a second adaptive template of a second resource transfer platform to package the resource transfer information to obtain a second resource packet, and sending the second resource packet to the second terminal; the second resource packet is used for indicating the intermediate server to transfer target transfer resources to the second terminal according to the first resource value when receiving the pickup response message; the pickup response message is a message generated by the second terminal in relation to the second resource package; the second terminal belongs to a second resource transfer platform.

An embodiment of the present application provides an electronic resource transfer device, including:

the system comprises an analysis module, a resource transfer module and a resource transfer module, wherein the analysis module is used for analyzing a first resource packet used for transferring electronic resources from a first terminal to a second terminal to obtain resource transfer information, the first resource packet is obtained by packaging the resource transfer information by the first terminal by adopting a first adaptive template matched with a first resource transfer platform, the resource transfer information comprises a first resource numerical value corresponding to the resources to be transferred, and the first terminal and the second terminal are all alliance members meeting alliance service protocols; the second terminal belongs to a second resource transfer platform;

the selection module is used for selecting a second adaptive template matched with the second resource transfer platform according to the alliance service protocol;

the encapsulation module is used for encapsulating the resource transfer information by adopting the second adaptive template to obtain a second resource packet;

and the sending module is used for sending the second resource packet to the second terminal, and transferring target transfer resources to the second terminal according to the first resource value if receiving an acquisition response message which is sent by the second terminal and related to the second resource packet.

the resource transfer information comprises a first resource value corresponding to a resource to be transferred, and the first terminal and the second terminal are both alliance members meeting alliance service protocols;

the selection module is used for selecting a first adaptive template matched with the first resource transfer platform according to the alliance service protocol;

the encapsulation module is used for encapsulating the resource transfer information by adopting the first adaptive template to obtain a first resource packet;

the sending module is used for sending the first resource packet to an intermediate server so that the intermediate server adopts a second adaptive template of a second resource transfer platform to package the resource transfer information to obtain a second resource packet, and the second resource packet is sent to the second terminal; the second resource packet is used for indicating the intermediate server to transfer target transfer resources to the second terminal according to the first resource value when receiving the pickup response message; the pickup response message is a message generated by the second terminal in relation to the second resource package; the second terminal belongs to a second resource transfer platform.

One aspect of the present application provides a computer device, comprising: a processor, a memory, a network interface;

the processor is connected to a memory and a network interface, wherein the network interface is used for providing a data communication function, the memory is used for storing a computer program, and the processor is used for calling the computer program to execute the method in the aspect in the embodiment of the present application.

An aspect of the embodiments of the present application provides a computer-readable storage medium storing a computer program, where the computer program includes program instructions, which, when executed by a processor, perform a method as in the embodiments of the present application.

In the embodiment of the application, the first terminal encapsulates the resource transfer information by adopting the first adaptive template to obtain the first resource packet, so that the data encapsulation efficiency can be improved; after the first resource package is obtained by the first terminal, the first resource package can be sent to the intermediate server, and the intermediate server can analyze the first resource package to obtain resource transfer information. Here, the first resource packet can be parsed by the intermediate server, which indicates that the interworking between the first resource transfer platform and the intermediate server is achieved through the first adaptive template. Therefore, the intermediate server encapsulates the resource transfer information by using the second adaptive template of the second resource transfer platform to obtain the second resource packet, so that the second resource packet can be analyzed by the second resource transfer platform, which indicates that the second resource transfer platform and the intermediate server are intercommunicated by using the second adaptive template. Therefore, the intermediate server can send the second resource packet to the second terminal, and if a pickup response message of the second terminal to the second resource packet is received, the target transfer resource is transferred to the second terminal according to the first resource value. Therefore, the first adaptive template and the second adaptive template realize the intercommunication between the first resource transfer platform and the second resource transfer platform, so that any registered user belonging to the first resource transfer platform can quickly transfer the electronic resource to any registered user belonging to the second resource transfer platform, the electronic resource transfer between the cross-resource transfer platforms can be realized, and the convenience of electronic resource transfer and the efficiency of electronic resource transfer are improved. In addition, the first terminal sends the first resource package to the intermediate server, and the intermediate server converts the first resource package into a second resource package which can be analyzed by the second resource transfer platform; therefore, the intercommunication between the first resource transfer platform and the second resource transfer platform can be realized through the intermediate server, and the direct intercommunication between the first resource transfer platform and the second resource transfer platform is not needed, so that the difficulty in realizing the intercommunication between the resource transfer platforms can be reduced, and the efficiency in realizing the intercommunication between the resource transfer platforms can be improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is an architecture diagram of an electronic resource processing system provided by an embodiment of the present application;

fig. 2 is a schematic diagram illustrating a relationship between a resource transfer platform and a wind control rule according to an embodiment of the present application;

fig. 3 is a schematic flowchart of an electronic resource transfer method provided in an embodiment of the present application;

fig. 4 is an application scenario diagram for verifying the validity of a first terminal and a second terminal according to an embodiment of the present application;

fig. 5 is an application scenario diagram of an electronic resource transfer method provided in an embodiment of the present application;

fig. 6 is an application scenario diagram of an electronic resource transfer method provided in an embodiment of the present application;

fig. 7 is an application scenario diagram of an electronic resource transfer method provided in an embodiment of the present application;

fig. 8 is an application scenario diagram of an electronic resource transfer method provided in an embodiment of the present application;

fig. 9 is a schematic structural diagram of an electronic resource transfer device according to an embodiment of the present application;

fig. 10 is a schematic structural diagram of an electronic resource transfer device according to an embodiment of the present application;

FIG. 11 is a schematic structural diagram of a computer device according to an embodiment of the present disclosure;

fig. 12 is a schematic structural diagram of a computer device according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Based on the problem that the conventional electronic resource transfer mode is low in convenience, the embodiment of the application provides the electronic resource transfer method, and the method can realize electronic resource transfer among different resource transfer platforms and improve the convenience of electronic resource transfer. By electronic resource is meant a resource present in an account address (e.g., internet bank, internet payment account address, etc.) that is capable of being circulated over the internet, including but not limited to electronic money, legal coins, game resources, and the like; the legal currency is a currency which is given to the legal currency for forced circulation, such as RMB, USD and the like; electronic money is money that is stored in electronic form in an electronic wallet held by a user; the game resources may include game pieces, game accessories or game interface themes, and the like. The resource transfer platform is a tool for electronic resource transfer, and is suitable for scenes such as game coin transfer, game equipment presentation, commercial payment, social transfer and the like, cross-border remittance, domestic remittance and the like. The resource transfer platform has the functions of recharging, extracting electronic cash, transferring electronic resources across the border, transferring electronic resources in China, drawing electronic resources and the like, simultaneously supports the functions of binding bank cards such as savings cards, credit cards and the like, and can also support financial services such as funds, stocks, loans and the like. The resource transfer platform may include a front-end presentation that may include applications or web pages (e.g., forum spaces), and a back-end processing system, and the applications may include social applications, payment applications, game applications, etc. with resource transfer functionality. A back-end processing system may refer to a system for providing services for front-end presentations, such as providing services for resource transfer, resource replenishment, authentication, and so forth.

First, an electronic resource processing system applied by the method is introduced, and the system may include an intermediate server and a plurality of resource transfer platforms, as shown in fig. 1, two resource transfer platforms are included in the system for explanation, which are a first resource transfer platform and a second resource transfer platform, respectively.

The front-end presentation of the first resource transfer platform can be set in the first terminal, and the back-end processing system of the first resource transfer platform is set in the first server. That is, the first terminal may be configured to display a front-end presentation of the first resource transfer platform, and allow the first registered user to perform a resource transfer operation, a resource pickup operation, and the like through the front-end presentation. The first registered user may refer to a user registered on the first resource transfer platform, each first registered user has a user identifier and an account address, and the user identifier may be used for logging in the first resource transfer platform and searching the account address of the first registered user; the account address is used to associate an electronic resource of the first registered user. The user identification can be a user account number, a nickname, a telephone number, a serial number of a mobile phone and the like; the account address may refer to an internet payment address or a game account address, and the user identifier and the account address may be the same or different. The first server may be configured to provide resource transfer services for the front-end presentation of the first resource transfer platform, such as verifying the identity of the transferor and the identity of the retriever, verifying the validity of the transferred resource, and so on, i.e., the first server may be a background server of the first resource transfer platform.

The front-end presentation of the second resource transfer platform can be set in the second terminal, and the back-end processing system of the second resource transfer platform is set in the second server. That is, the second terminal may be configured to present a front-end presentation of the second resource transfer platform, allowing the second registered user to perform a resource transfer operation, a resource pickup operation, and the like through the front-end presentation. The second registered user may refer to a user registered on the second resource transfer platform, each second registered user has a user identifier and an account address, and the user identifier may be used for logging in the second resource transfer platform and searching the account address of the second registered user; the account address is used to associate an electronic resource of a second registered user. The user identification can be a user account number, a nickname, a telephone number, a serial number of a mobile phone and the like, and the account address refers to an internet payment address. The second server may be configured to provide resource transfer services for the front-end presentation of the second resource transfer platform, such as verifying the identity of the retriever and the identity of the transferor, and verifying the validity of the transferred resource, that is, the second server may be a background server of the second resource transfer platform.

The intermediate server is an intermediate device for realizing the intercommunication among different resource transfer platforms, and the intercommunication means that the resource transfer platforms can identify or analyze data packets sent by other resource transfer platforms and can execute corresponding resource transfer operations according to the contents in the data packets. Specifically, in order to implement the interworking between different resource transfer platforms, the intermediate server may establish a federation organization, where the federation organization includes a plurality of federation members and federation service protocols. The alliance member is a resource transfer platform which is added into an alliance organization, and any two alliance members in the alliance organization can be communicated based on an alliance service protocol. Federation service agreements refer to rules that are followed by federation members, and may be formulated and followed collectively by individual federation members and are visible only to individual federation members within a federation organization. The federation service agreement may specifically include a resource transfer rule followed by the federation members when performing electronic resource transfer, an application joining rule (such as credit level and number of registered users) for the resource transfer platform to apply for joining the federation organization, and so on. The resource transfer rule comprises a centralized wind control rule and an adaptive template matched with each coalition member; the adaptation template refers to a data processing mode suitable for the coalition members to package the resource transfer information. The data processing mode can comprise a data packaging format, a data encryption mode and the like, and the resource transfer information refers to relevant information for carrying out electronic resource transfer operation. The matching of the coalition members and the adaptive template refers to: the resource packet obtained by encapsulating the resource transfer information by adopting the adaptive template can be analyzed by the coalition members. The matching adaptation templates of every two coalition members in the coalition organization can be the same or different, that is, the coalition members in the coalition organization can use the uniform adaptation templates or can use the independent adaptation templates. Centralized wind control rules may refer to wind control rules that are uniformly followed by coalition members within a coalition organization, which may be used to verify the legitimacy of electronic resource transfer operations.

Wherein, any resource transfer platform can apply for joining the alliance organization through the intermediate server, taking the first resource transfer platform as an example; the first resource transfer platform may send an application join request for the federation organization to the intermediate server, and the intermediate server may verify whether the first resource transfer platform satisfies an application join rule specified in the federation service protocol. And if the credit level of the first resource transfer platform is higher than the preset level threshold value and the number of the registered users belonging to the first resource transfer platform is larger than the user number threshold value, determining that the first resource transfer platform meets the application joining rule, and joining the first resource transfer platform to the alliance organization. After the first resource transfer platform joins the alliance organization, the first resource transfer platform is determined to be an alliance member meeting alliance service protocols. At this time, the first resource transfer platform can communicate with any alliance member in the alliance organization, that is, the first resource transfer platform can perform electronic resource transfer with any alliance member in the alliance organization, and meanwhile, the registered user belonging to the first resource transfer platform automatically joins in the alliance organization. Similarly, the second resource transfer platform may apply for joining the federation organization in the manner described above. After the first resource transfer platform and the second resource transfer platform join the alliance organization, the first resource transfer platform and the second resource transfer platform follow the same alliance service protocol, namely follow the same resource transfer rule, so that the first resource transfer platform and the second resource transfer platform can be called to be capable of communicating, namely, the first resource transfer platform and the second resource transfer platform can perform electronic resource transfer. Particularly, after each resource transfer platform is added, the alliance service protocol can be updated, for example, a new adaptive template is generated according to the data processing mode of the resource transfer information of the newly added resource transfer platform, and the new adaptive template is added into the alliance service protocol.

It should be noted that each member of the federation in the federation organization corresponds to two sets of wind control rules, which are a centralized wind control rule and a distributed wind control rule. The distributed wind control rule refers to a wind control rule which is independently followed by the coalition members, namely the distributed wind control rule is independently formulated and independently followed by the coalition members and only visible to the coalition members. As shown in fig. 2, the first resource transfer platform corresponds to a centralized wind control rule and a distributed wind control rule 1, and the second resource transfer platform corresponds to a centralized wind control rule and a distributed wind control rule 2. When a registered user in a first resource transfer platform transfers electronic resources to a registered user in a second resource transfer platform, the first resource transfer platform and the second resource transfer platform can both follow the collective wind control rule; or the first resource transfer platform follows a centralized wind control rule and a distributed wind control rule 1, and the second resource transfer platform follows a centralized wind control rule and a distributed wind control rule 2. When the electronic resources are transferred among the registered users in the first resource transfer platform, the first resource transfer platform can follow the distributed wind control rule 1, namely the first resource transfer platform adopts the wind control rule 1 to verify the legality of the electronic resource transfer operation; similarly, when transferring electronic resources between registered users in the second resource transfer platform, the second resource transfer platform may follow the distributed wind control rule 2, that is, the second resource transfer platform verifies the validity of the electronic resource transfer operation by using the wind control rule 2.

It should be noted that, the intercommunication between different resource transfer platforms is realized through the intermediate server, which can reduce the difficulty of realizing the intercommunication between the resource transfer platforms and improve the efficiency of realizing the intercommunication between the resource transfer platforms. For example, in the electronic resource processing system, there are 10 resource transfer platforms which are intercommunicated, and when a new resource transfer platform needs to transfer the electronic resource to the 10 resource transfer platforms. Then, only the new resource transfer platform needs to communicate with the intermediate server, that is, the new resource transfer platform only needs to apply for joining the federation organization to the intermediate server. After the intermediate server agrees that the new resource transfer platform joins the federation organization, the new electronic resource transfer platform is communicated with the 10 resource transfer platforms, that is, the new electronic resource transfer platform can transfer electronic resources to the 10 resource transfer platforms. That is, the new electronic resource transfer platform only needs to perform one interworking operation through the intermediate server, and does not need to perform interworking between the new resource transfer platform and the 10 resource transfer platforms respectively.

The first terminal and the second terminal can be intelligent devices such as a smart phone, a tablet computer, a portable personal computer, an intelligent watch, a bracelet, an intelligent television and the like; the first server, the second server and the intermediate server can be independent servers, or a server cluster consisting of a plurality of servers, or a cloud computing center.

Based on the electronic resource processing system, the electronic resource transferring method may include: when a registered user of a first resource transfer platform wants to transfer an electronic resource to a registered user of a second resource transfer platform, the registered user of the first resource transfer platform can be called a transferor, namely, a user who transfers the electronic resource; this registered user of the second resource transfer platform may be referred to as a retriever, i.e. a user who retrieves an electronic resource. The transferor can configure resource transfer information for electronic resource transfer through the first terminal, and the resource transfer information can include a resource value to be transferred, user identifications of the transferor and the retriever, an identification of the second resource transfer platform, and the like. The first terminal can obtain the resource transfer information configured by the transferor, and selects a first adaptive template matched with the first resource transfer platform based on the alliance service protocol; and packaging the resource transfer information by adopting a first adaptive template to obtain a first resource packet. After the first resource package is obtained by the first terminal, the first resource package can be sent to the intermediate server, and the intermediate server can analyze the first resource package to obtain resource transfer information. The first terminal encapsulates the resource transfer information by adopting the first adaptive template, so that the first resource packet can be analyzed by the intermediate server, which indicates that the first adaptive template realizes the intercommunication between the first resource transfer platform and the intermediate server. After the intermediate server obtains the first resource packet, a second adaptive template matched with a second resource transfer platform can be selected based on the alliance service protocol, and the second adaptive template is adopted to package the resource transfer information to obtain a second resource packet. The intermediate server encapsulates the resource transfer information by using the second adaptive template, so that the second resource packet can be analyzed by the second resource transfer platform, which indicates that the second adaptive template realizes the intercommunication between the second resource transfer platform and the intermediate server. Therefore, the intermediate server can send the second resource packet to the second terminal, and if a pickup response message of the second terminal to the second resource packet is received, the target transfer resource is transferred to the second terminal according to the first resource value. Therefore, the first adaptive template and the second adaptive template realize the intercommunication between the first resource transfer platform and the second resource transfer platform, so that any registered user belonging to the first resource transfer platform can quickly transfer the electronic resource to any registered user belonging to the second resource transfer platform, the electronic resource transfer between the cross-resource transfer platforms can be realized, and the convenience of electronic resource transfer and the efficiency of electronic resource transfer are improved. In addition, the first terminal sends the first resource package to the intermediate server, and the intermediate server converts the first resource package into a second resource package which can be analyzed by the second resource transfer platform; therefore, the intercommunication between the first resource transfer platform and the second resource transfer platform can be realized through the intermediate server, and the direct intercommunication between the first resource transfer platform and the second resource transfer platform is not needed, so that the difficulty in realizing the intercommunication between the resource transfer platforms can be reduced, and the efficiency in realizing the intercommunication between the resource transfer platforms can be improved.

Based on the above description, the processing method of electronic resources proposed in the embodiment of the present application can refer to steps S101 to S110 shown in fig. 3:

s101, a first terminal acquires resource transfer information used for transferring electronic resources from the first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to the resources to be transferred, and the first terminal and the second terminal are both alliance members meeting alliance service protocols; the second terminal belongs to a second resource transfer platform.

The first terminal may output the interface for the resource transfer operation in various user interfaces, which may include, but are not limited to: service pages of applications, such as a session window interface of a social application, a transfer interface of a payment application; or a web interface, such as a forum space, etc. The interface may be a key or an option, the transferor may invoke the information configuration interface by operating the interface (e.g., pressing the key or selecting the option), resource transfer information for transferring the electronic resource is set in the information configuration interface, and the first terminal may obtain the resource transfer information set by the transferor from the information configuration interface. This resource transfer information typically includes: a first resource value corresponding to the resource to be transferred, a first resource transfer platform, a second resource transfer platform, a user identifier of a transferor, a user identifier of a retriever, and the like; the first resource transfer platform is a platform for transferring out electronic resources, namely a resource transfer platform corresponding to a transferor; the second resource transfer platform is a platform for getting electronic resources, i.e. a resource transfer platform corresponding to the person who gets the electronic resources. The user identification of the transferor is used for finding the account address of the transferor on the first resource transfer platform, and the user identification of the transferor can refer to a user account and a nickname of the transferor in the first resource transfer platform, or a telephone number and a sequence code of a mobile phone reserved in the first resource transfer platform by the transferor; the user identifier of the retriever is used for searching the account address of the retriever on the second resource transfer platform, and the user identifier of the retriever may refer to a user account and a nickname of the retriever in the second resource transfer platform, or a phone number and a sequence code of a mobile phone reserved by the retriever in the second resource transfer platform. The first resource value is the total amount of the electronic resource deducted from the account address of the transferor when the second terminal executes the resource obtaining operation. The first resource transfer platform and the second resource transfer platform are all coalition members meeting a coalition service protocol, the first terminal belongs to the first resource transfer platform, and the second terminal belongs to the second resource transfer platform, namely, the first terminal and the second terminal are all coalition members meeting the coalition service protocol.

S102, the first terminal selects a first adaptive template matched with the first resource transfer platform according to the alliance service protocol.

S103, the first terminal encapsulates the resource transfer information by adopting the first adaptive template to obtain a first resource packet.

And S104, the first terminal sends the first resource packet to an intermediate server.

In steps S102 to S104, in order to enable the first resource transfer platform and the second resource transfer platform to be interconnected and intercommunicated, so as to implement electronic resource transfer, the first terminal may select a first adaptive template matched with the first resource transfer platform according to the alliance service protocol, and encapsulate the resource transfer information by using the first adaptive template, so as to obtain a first resource packet, thereby improving the efficiency of data encapsulation. The first adaptation model is a data processing manner suitable for the first resource transfer platform, and may specifically include a data encapsulation format, a data encryption manner, and the like, that is, the first resource package can be identified or parsed by the first resource transfer platform. After acquiring the first resource packet, the first terminal may send the first resource packet to a first server corresponding to the first resource transfer platform, and the first server sends the first resource packet to an intermediate server; alternatively, the first terminal may directly send the first resource package to the intermediate server.

S105, the intermediate server analyzes the first resource packet for transferring the electronic resource from the first terminal to the second terminal to obtain resource transfer information.

And S106, the intermediate server selects a second adaptive template matched with the second resource transfer platform according to the alliance service protocol.

S107, the intermediate server adopts the second adaptive template to package the resource transfer information to obtain a second resource packet.

And S108, the intermediate server sends the second resource packet to the second terminal.

In steps S106 to S108, the intermediate server may receive the first resource packet, and perform operations such as decryption or decapsulation on the first resource packet, to obtain the resource transfer information. Further, the intermediate server may select a second adaptive template matched with a second resource transfer platform according to the federation service protocol, and package the resource transfer information by using the second adaptive template to obtain a second resource packet, which may improve the efficiency of data packaging. The second adaptation model is a data processing mode suitable for the second resource transfer platform, and may specifically include a data packaging format, a data encryption mode, and the like. Therefore, the second resource packet is a resource packet that can be identified or analyzed by the second resource transfer platform, that is, the intermediate server uses the second adaptive template to convert the first resource packet into the second resource packet that can be identified by the second resource transfer platform, which indicates that the second adaptive template realizes the intercommunication between the second resource transfer platform and the intermediate server. After obtaining the second resource package, the intermediate server may send the second resource package to a second server corresponding to the second resource transfer platform, and the second server forwards the second resource package to the second terminal, or the intermediate server may directly send the second resource package to the second terminal.

And S109, the second terminal displays the second resource packet, and sends a pickup response message about the second resource packet to the intermediate server if the pickup operation of the second resource packet is detected.

The second terminal may receive the second resource package and display the second resource package. The second resource package is a special social message with the feature of interoperability, specifically, the second resource package can be operated. E.g., the retriever may click, slide, long press on the second resource package, or the retriever may manipulate the second resource package by shaking the second terminal, etc., the operation performed on the second resource package is often referred to as a pick operation. And if the pickup operation on the second resource packet is detected, sending a pickup response message about the second resource packet to the intermediate server. The pickup response message is used for indicating that the retriever is willing to pickup the electronic resources transferred by the first terminal, and the pickup response message can comprise pickup time, user identification of the retriever and the like.

And S110, if receiving a pickup response message about the second resource packet sent by the second terminal, the intermediate server transfers the target transfer resource to the second terminal according to the first resource value.

The intermediate server may receive the pickup response message, and verify whether the second terminal satisfies the resource pickup condition according to the pickup response message. Verifying whether the receiving time exceeds the validity period and the legality of the user identifier of the receiver, and determining that the second terminal does not meet the resource receiving condition when the receiving time exceeds the validity period or the user identifier of the receiver is an illegal user identifier, and refusing to transfer the electronic resource to the second terminal; and if the receiving time is within the validity period and the user identifier of the receiver is legal, determining that the second terminal meets the resource receiving condition, and transferring the target transfer resource to the second terminal according to the first resource value. The validity period may be 12 hours, 24 hours, or the like, during which the electronic resource corresponding to the second resource package may be picked up, and the electronic resource corresponding to the second resource package outside the validity period may not be picked up, that is, the electronic resource corresponding to the second resource package outside the validity period will be returned to the account address of the transferee.

In an embodiment, the resource transfer information may further include a first electronic resource type corresponding to both the first terminal and the second terminal, and the transferring the target transfer resource to the second terminal according to the first resource value may include: and transferring the target transfer resource with the first resource value and the first electronic resource type to the second terminal, namely deducting the target transfer resource from the account address of the transferor and adding the target transfer resource to the account address of the retriever. The electronic resource type refers to the kind of electronic resource, and may include but is not limited to: renminbi, hong Kong, Euro, Han Yuan, Nian, etc.

In another embodiment, the resource transfer information may further include that the first terminal corresponds to a first electronic resource type, and the second terminal corresponds to a second electronic resource type, and the transferring the target transfer resource to the second terminal according to the first resource value may include: and acquiring a conversion ratio between the first electronic resource type and the second electronic resource type, determining a second resource value corresponding to the second electronic resource type according to the conversion ratio, and transferring the target transfer resource with the second resource value and the second electronic resource type to the second terminal. The method comprises the steps of deducting resources to be transferred with a first resource value and a first electronic resource type from an account address of a transferor, and adding a target transfer resource with a second resource value and a second electronic resource type to an account address of a retriever.

In the embodiment of the application, the first terminal encapsulates the resource transfer information by adopting the first adaptive template to obtain the first resource packet, so that the data encapsulation efficiency can be improved; after the first resource package is obtained by the first terminal, the first resource package can be sent to the intermediate server, and the intermediate server can analyze the first resource package to obtain resource transfer information. Here, the first resource packet can be parsed by the intermediate server, which indicates that the interworking between the first resource transfer platform and the intermediate server is achieved through the first adaptive template. Further, the intermediate server encapsulates the resource transfer information by using a second adaptive template of the second resource transfer platform to obtain a second resource packet, so that the second resource packet can be analyzed by the second resource transfer platform, which indicates that the second resource transfer platform and the intermediate server are intercommunicated by the second adaptive template. Therefore, the intermediate server can send the second resource packet to the second terminal, and if a pickup response message of the second terminal to the second resource packet is received, the target transfer resource is transferred to the second terminal according to the first resource value. Therefore, the first adaptive template and the second adaptive template realize the intercommunication between the first resource transfer platform and the second resource transfer platform, so that any registered user belonging to the first resource transfer platform can quickly transfer the electronic resource to any registered user belonging to the second resource transfer platform, the electronic resource transfer between the cross-resource transfer platforms can be realized, and the convenience of electronic resource transfer and the efficiency of electronic resource transfer are improved. In addition, the first terminal sends the first resource package to the intermediate server, and the intermediate server converts the first resource package into a second resource package which can be analyzed by the second resource transfer platform; therefore, the intercommunication between the first resource transfer platform and the second resource transfer platform can be realized through the intermediate server, and the direct intercommunication between the first resource transfer platform and the second resource transfer platform is not needed, so that the difficulty in realizing the intercommunication between the resource transfer platforms can be reduced, and the efficiency in realizing the intercommunication between the resource transfer platforms can be improved.

In one embodiment, step S101 includes steps S1-S3 as follows.

s1, the first terminal outputting the resource transfer option on the user interface of the social application.

s2, responding to the operation instruction of the resource transfer option, the first terminal outputs an information configuration interface, and the information configuration interface is used for configuring the resource transfer information.

s3, the first terminal obtains the configured resource transfer information from the information configuration interface.

In steps s 1-s 3, the transferor may choose to perform an electronic resource transfer through a social application. Specifically, the first terminal may output a resource transfer option on a user interface of the social application, where the resource transfer option may be an interface for invoking an information configuration interface, and specifically may be a physical key, a virtual key, a shortcut icon, or the like. The information configuration interface is used for a transferor to configure resource transfer information for transferring electronic resources, the information configuration interface is a sub-page of the user interface, and the information configuration interface can be partially or completely covered on the user interface. And if the touch operation on the resource transfer option is detected, determining that the operation instruction on the resource transfer option is received, and outputting an information configuration interface. Here, the touch operation may refer to a touch operation, a cursor operation, a key operation, a voice operation, or the like. The transferor can configure resource transfer information on the information configuration interface, and the first terminal obtains the configured resource transfer information from the information configuration interface.

In one embodiment, the first adapted template comprises a public key of the first terminal and a second data encapsulation format, and step S103 comprises steps S11 and S12 as follows.

s11, the first terminal encapsulates the resource transfer information by adopting the second data encapsulation format to obtain a second data message.

The second data set encapsulation format is used for indicating the arrangement sequence of each piece of information of the resource transfer information in the data message and indicating the position of the resource transfer information in the data message, and the position can be included in a message header or a message body. In order to implement the interworking between the first resource transfer platform and the intermediate server, the first terminal may encapsulate the resource transfer information using the second data encapsulation format to obtain a second data packet, that is, the second data packet can be analyzed by the first resource transfer platform and the intermediate server.

s12, the first terminal encrypts the second data message by using the public key of the first terminal to obtain the first resource package.

Before step s12, the method further includes: the first terminal generates a first key pair which can be created by adopting an asymmetric encryption algorithm; asymmetric encryption algorithms herein may include, but are not limited to: the Elgamal algorithm (an asymmetric encryption algorithm), the Rabin algorithm (an asymmetric encryption algorithm), the Diffie-Hellman algorithm (an asymmetric encryption algorithm), the ECC algorithm (elliptic curve encryption algorithm). The first key pair comprises a first terminal public key and a first terminal private key; after the first key pair is generated, a public key of the first terminal is stored by the first terminal and is used for encrypting data; and the private key of the first terminal is sent to the intermediate server by the first terminal, and is stored by the intermediate server and used for decrypting the data. After the first terminal acquires the public key of the first terminal, the public key of the first terminal is adopted to encrypt the second data message to obtain a first resource packet, and the intermediate server has the private key of the first terminal, so that the first resource packet can only be decrypted by the intermediate server, the intercommunication between the first resource transfer platform and the intermediate server can be realized, and the safety of data transmission is improved.

In one embodiment, the second adapted template comprises a private key of the second terminal and the first data encapsulation format, and step S107 comprises steps S21 and S22 as follows.

s21, the intermediate server encapsulates the resource transfer information by adopting the first data encapsulation format to obtain a first data message.

The first data set encapsulation format is used for indicating the arrangement sequence of each piece of information of the resource transfer information in the data message and indicating the position of the resource transfer information in the data message, and the position can be included in a message header or a message body. In order to implement the intercommunication between the intermediate server and the second resource transfer platform, the intermediate server may encapsulate the resource transfer information by using the first data encapsulation format to obtain the first data packet, that is, the first data packet can be analyzed or identified by the second resource transfer platform.

s22, the intermediate server encrypts the first data message by using the public key of the second terminal to obtain the second resource packet.

Before step s22, the method further includes: the second terminal generates a second key pair which can be created by adopting an asymmetric encryption algorithm; the second key pair comprises a second terminal public key and a second terminal private key; after the second key pair is generated, the private key of the second terminal is stored by the second terminal and is used for decrypting the data; and the public key of the second terminal is sent to the intermediate server by the second terminal, is stored by the intermediate server and is used for encrypting data. After the intermediate server obtains the public key of the second terminal, the intermediate server can encrypt the first data message by using the private key of the second terminal to obtain the second resource packet.

In one embodiment, the method further comprises the following steps s31 and s 32.

s31, the intermediate server determining the legitimacy of the first terminal and the second terminal according to the federation service protocol.

In order to improve the security of resource transfer, the intermediate server can determine the legality of the first terminal and the second terminal according to the collective wind control rule in the alliance service protocol; optionally, the intermediate server may request the consensus node device in the blockchain network to verify the legitimacy of the first terminal and the second terminal by using the collective type wind control rule, and the intermediate server may determine the legitimacy of the first terminal and the second terminal according to a verification result of the consensus node device. The centralized wind control rule comprises a blacklist terminal set, a whitelist terminal set, a resource threshold value of one-time resource transfer, a frequency threshold value of electronic resource transfer in a preset time period (such as one week and one month), and the like; the blacklist terminal set comprises at least one terminal identified as illegal, the illegal terminal is a terminal used for executing money laundering operation and having a credit loss record, and the whitelist terminal set comprises a plurality of terminals identified as legal.

S32, if the first terminal and the second terminal both have validity, execute the step S106.

If the first terminal and the second terminal both meet the centralized wind control rule, determining that the first terminal and the second terminal both have legality, and executing the step S106; otherwise, the process is ended. The terminal meeting the centralized wind control rule may mean that the terminal does not belong to a blacklist terminal set, belongs to a whitelist terminal set, the number of times of transferring the electronic resource in a preset time period is less than or equal to a number threshold, the value of the first resource transferred this time is less than a resource threshold, and the like.

In this embodiment, step s31 may include steps s41 and s42 as follows.

s41, the intermediate server generates a verification request, and sends the verification request to a consensus node device in the blockchain network, so that the consensus node device verifies the validity of the first terminal and the second terminal according to the alliance service protocol to obtain a verification result.

s42, the intermediate server receives the verification result sent by the consensus node device, and determines the validity of the first terminal and the second terminal according to the verification result sent by the consensus node device.

Before the intermediate server performs step s41, the intermediate server may create a third key pair using an asymmetric encryption algorithm, where the second key pair includes the public key and the private key of the intermediate server; the public key of the intermediate server is used for identifying the transaction address of the intermediate server, and the private key of the intermediate server is used for signing the transaction data of the intermediate server.

After creating the third key pair, the intermediate server may upload the public key of the intermediate server to the blockchain network, so that the blockchain network takes the public key of the intermediate server as the transaction address of the intermediate server; and the private key of the intermediate server is kept by the intermediate server. After the intermediate server uploads the public key of the intermediate server to the blockchain network, the intermediate server indicates that the intermediate server completes identity registration in the blockchain network, and at the moment, the intermediate server has the qualification of performing asset transaction and information viewing in the blockchain network. Therefore, the intermediate server can generate a verification request, sign the verification request by adopting a private key of the intermediate server to obtain a transfer digital signature, package the verification request and the mobile data signature into transaction data, and upload the transaction data to the consensus node equipment in the block chain network. And the common identification node in the blockchain network adopts the public key of the intermediate server to check and sign the transaction data, and if the check and sign pass, the common identification node equipment in the blockchain network can adopt the alliance service protocol to verify the legality of the first terminal and the second terminal to obtain a verification result. The consensus node device may determine a final verification result from the verification results based on the consensus mechanism, that is, the final verification result is the same as the verification results of 51% of the consensus node devices in the blockchain network, and write the final verification result and the transaction data into the target block in the blockchain network. The intermediate server may read a final verification result from the target zone of the zone chain network, and determine validity of the first terminal and the second terminal according to the final verification result. The validity of the first terminal and the second terminal is verified through the block chain network, so that the accuracy of terminal verification can be improved, and the authenticity of terminal verification is improved. Optionally, after obtaining the verification result, the consensus node device may send the verification result to the intermediate server, and the intermediate server may determine the legitimacy of the first terminal and the second terminal according to the verification result of the consensus node device.

The blockchain network is an end-to-end decentralized network formed by a plurality of common node devices, each common node device can receive transaction data when working normally, and the blockchain is maintained based on the received transaction data. The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission (P2P transmission), consensus mechanism, encryption algorithm and the like, and is essentially a decentralized and highly transparent database; the blockchain can be composed of a plurality of serial transaction records (also called blocks) which are connected in series by cryptography and protect the contents, and the distributed accounts connected in series by the blockchain can effectively record the transactions by multiple parties and can permanently check the transactions (can not be tampered). The consensus mechanism is a mathematical algorithm for establishing trust and obtaining rights and interests among different consensus node devices in the block chain network; that is, the consensus mechanism is a mathematical algorithm commonly recognized by the network consensus node devices of the blockchain.

In this embodiment, step s42 may include steps s 51-s 54 as follows.

s51, the intermediate server counts the number of the common node devices in the blockchain network, which are determined that the first terminal has validity, as the first number.

s52, the intermediate server counts the number of the common node devices in the blockchain network, which are determined that the second terminal has validity, as a second number.

s53, if the first number is greater than the number threshold, the intermediate server determines that the first terminal is legitimate.

s54, if the second number is greater than the number threshold, the intermediate server determines that the second terminal is legitimate.

In steps s 51-s 54, the intermediate server may determine the validity of the first terminal and the second terminal according to the verification result returned by the consensus node device in the blockchain network. Specifically, as shown in fig. 4, the blockchain network includes a plurality of common node devices, the intermediate server may send the verification request to each common node device, and each common node device verifies the validity of the first terminal and the second terminal by using the federation service protocol, so as to obtain a verification result. The intermediate server can receive the verification results sent by all the common node devices, and count the number of the common node devices with validity of the first terminal in the block chain network according to the verification results, wherein the number is used as a first number; and counting the number of the node devices which determine the legality of the second terminal in the block chain network according to the verification result, wherein the number is used as the second number. If the first number is larger than the number threshold, the fact that most of the common node equipment in the block chain network determines that the first terminal has validity is shown, and the intermediate server determines that the first terminal has validity; if the second number is larger than the number threshold, it indicates that most of the common node devices in the blockchain network determine that the second terminal has validity, and the intermediate server determines that the second terminal has validity. The number threshold may be determined according to the total number of the common node devices in the blockchain network, for example, the total number is 100, the number threshold may be 51 or 60, and so on.

Optionally, the federation service agreement includes a terminal set including a plurality of terminals identified as legitimate, i.e. the terminal set may be a white-list terminal set, and step s31 may include steps s61 and s62 as follows.

s61, if the first terminal belongs to the terminal set, the intermediate server determines that the first terminal has validity.

s62, if the second terminal belongs to the terminal set, the intermediate server determines that the second terminal is legal.

In steps s61 and s62, the intermediate server may compare the first terminal with each terminal in the set of terminals, and if the first terminal belongs to the set of terminals, that is, the first terminal belongs to the set of white-listed terminals, the intermediate server may determine that the first terminal has validity; if the first terminal does not belong to the terminal set, the intermediate server can determine that the first terminal is not legal, refuse to transfer the electronic resource and improve the security of resource transfer. If the second terminal belongs to the terminal set, namely the second terminal belongs to the white list terminal set, the intermediate service can determine that the second terminal has validity; if the second terminal does not belong to the terminal set, the intermediate service can determine that the second terminal does not have legality, refuse to transfer the electronic resource, and improve the security of resource transfer.

Optionally, the federation service agreement includes a threshold of the number of times of electronic resource transfer within a preset time period, and step s31 may include the following steps s71 to s 75.

s71, the intermediary server reading the historical transaction data of the first terminal from the blockchain network, and the historical transaction data of the second terminal.

s72, the intermediate server counting the number of times of transferring the electronic resource from the first terminal in the preset time period from the historical transaction data of the first terminal as a first number of times.

s73, the intermediate server counting the number of times of transferring the electronic resource from the second terminal in the preset time period from the historical transaction data of the second terminal as a second number of times.

s74, if the first number is less than or equal to the number threshold, the intermediate server determines that the first terminal is legitimate.

s75, if the second time is less than or equal to the time threshold, the intermediate server determines that the second terminal is legitimate.

In steps s 71-s 75, if the number of times of transferring the electronic resource from the terminal within the preset time period is too large, it indicates that the terminal is suspected of money laundering or has other risks, and therefore, the intermediate server may verify the validity of the terminal according to the number of times of transferring the electronic resource by the terminal within the preset time period. Specifically, the intermediate server may read the historical transaction data of the first terminal and the historical transaction data of the second terminal from the blockchain network. Counting the times of transferring the electronic resource of the first terminal in a preset time period from the historical transaction data of the first terminal as a first time, and if the first time is less than or equal to a time threshold, indicating that the times of transferring the electronic resource of the first terminal in the preset time period are less, determining that the first terminal has legality. And counting the times of transferring the electronic resource by the second terminal in a preset time period from the historical transaction data of the second terminal as a second time, and if the second time is less than or equal to the time threshold, which indicates that the times of transferring the electronic resource by the second terminal in the preset time period are less, determining that the second terminal has legality.

Alternatively, step S110 may include steps S81-S85 as follows.

s81, the intermediate server obtains the resource to be transferred from the first terminal with the first electronic resource type and the first resource value.

s82, the intermediate server obtains a conversion ratio between the first electronic resource type and the second electronic resource type.

s83, the intermediate server generates a second resource value according to the conversion ratio and the first resource value.

s84, the intermediate server converting the resource to be transferred into a target transfer resource having the second electronic resource type and the second resource value.

s85, the intermediate server transferring the transfer-targeted resource to the second terminal.

In steps s 81-s 85, the intermediate server may obtain the resource to be transferred having the first electronic resource type and the first resource value from the first terminal, that is, deduct the resource to be transferred from the account address of the transferor, and add the resource to be transferred to the account address of the intermediate server. After the intermediate service acquires the resource to be transferred, the intermediate service can acquire the conversion proportion between the first electronic resource type and the second electronic resource type from a server providing electronic resource type conversion service, and generate a second resource numerical value according to the conversion proportion and the first resource numerical value. Furthermore, the resource to be transferred can be converted into a target transfer resource with a second electronic resource type and a second resource value, the target transfer resource is transferred to the second terminal, namely the target transfer resource is deducted from the account address of the intermediate server, and the target transfer resource is added to the account address of the retriever. The cross-border electronic resource transfer can be realized through the intermediate server, and the cross-border electronic resource transfer efficiency can be improved without a central bank, a cross-border bank and the like; the cross-border electronic resource transfer can also be called cross-border transfer, and refers to electronic resource transfer performed by users located in different regions or different countries, that is, the types of electronic resources corresponding to the transferor and the retriever are inconsistent.

Optionally, the method further comprises steps s91 and s92 as follows.

s91, the intermediate server receives the revocation request for the resource to be transferred sent by the first terminal.

s92, if the target transfer resource is not transferred to the second terminal, the intermediate server suspends the transfer of the target transfer resource to the second terminal according to the withdrawal request, and returns the resource to be transferred to the first terminal.

In steps s91 and s92, the intermediate server may receive a withdrawal request for the resource to be transferred from the first terminal, may detect whether the target transfer resource is transferred to the second terminal, and if not, may suspend transferring the target transfer resource to the second terminal and return the resource to be transferred to the first terminal. The withdrawal of the electronic resources can be realized, the electronic resource transfer executed by misoperation can be avoided, and the electronic resource loss of a user is reduced.

The embodiment of the application takes a social transfer scenario as an example, and describes the electronic resource transfer method. In the scenario, a first resource transfer platform is assumed to be a transfer platform of a social application program, and a second resource transfer platform is assumed to be a transfer platform of a payment application program; a registered user 1 of a social application, i.e. a transferor, wants to transfer an electronic resource to a registered user 2 of a payment application, i.e. a retriever. The electronic resource is electronic money, for example, the electronic resource type corresponding to the registered user 1 is Renminbi, and the electronic resource type corresponding to the registered user 2 is Hongkong currency; before the electronic resource transfer is executed, the account balance of the registered user 1 in the account address on the social application program is 735.16 yuan, the account balance of the registered user 2 in the account address on the payment application program is 100 yuan, and the account balance in the account address corresponding to the intermediate server is 0 yuan. Referring to fig. 5 to 7, the electronic resource transferring method may include the following steps:

1. enter the public number. The registered user 1 can pay attention to the public number of the "cross-border remittance" through the social application program, and the public number of the "cross-border remittance" refers to an entrance of the cross-border remittance for performing the cross-border remittance. As shown in fig. 5, after the registered user 1 pays attention to the public number of the "cross-border remittance", the first terminal outputs the public number of the "cross-border remittance" and a conversation window 11 corresponding to the registered user 1, wherein the conversation window 11 comprises a resource transfer interface 12 (i.e. clicking here to start remittance), and a resource transfer interface 13 (i.e. initiating remittance); the resource transfer interface 12 and the resource transfer interface 13 can be used for calling an information configuration interface 14, and the information configuration interface 14 is used for registering resource transfer information configured by the user 1 for electronic resource transfer. A money transfer record viewing interface may also be included in the session window 11; the remittance record viewing interface is used for viewing historical electronic resource transfer information of the registered user 1, such as time of historical transfer of the electronic resource, resource value, user identification of the retriever and the like.

2. Money transfer is initiated, i.e., electronic resource transfer is initiated. The registered user 1 may perform a touch operation on the resource transfer interface 12 or the resource transfer interface 13, and output the information configuration interface 14 if the first terminal detects the touch operation on the resource transfer interface 12 or the resource transfer interface 13. As shown in fig. 5, the configuration interface 14 includes a setting menu 15 of the resource to be transferred, a setting menu 16 of the target transfer resource, and a preview menu 17 (i.e., the next step). The setting menu 15 is used for configuring a first electronic resource type and a first resource value corresponding to the electronic resource which needs to be transferred by the registered user 1, and the setting menu 16 is used for configuring a second electronic resource type and a second resource value corresponding to the electronic resource which is taken by the registered user 2; the preview menu 17 is used to preview the resource transfer information configured by the registered user. The information configuration interface 14 may further include a conversion ratio between the first electronic resource type and the second electronic resource type and an intermediary fee (i.e., a commission fee) required for the electronic resource transfer operation. The registered user 1 can configure resource transfer information on the information configuration interface 14, and if the registered user 1 wants to transfer 800 harbor units to the registered user 2, the harbor units are metering units of harbor coins, the first electronic resource type can be set as renminbi, the second electronic resource type can be set as harbor coins, and the value of the second resource is set as 800. The first terminal may determine the first resource value from the second resource value and the conversion ratio, i.e., the first resource value is 685.16. The first terminal can obtain the configured resource transfer information from the information configuration interface 14, i.e. the resource transfer information includes a first electronic resource type, a second electronic resource type, a first resource value, a second resource value, and so on.

3. The money transfer order confirms, i.e., confirms, the resource transfer information. After acquiring the resource transfer information, if the first terminal detects a touch operation on the preview menu 17, outputting a preview interface 18; as shown in fig. 5, the preview interface 18 includes resource transfer information and a payment menu 19, and the payment menu 19 is used to call the payment interface 20. The registered user 1 can check whether the resource transfer information is correct or not through the preview interface 18, and if the resource transfer information is correct, the registered user can click the payment menu 19 for confirmation.

4. And (5) payment process. If the first terminal detects the touch operation on the payment menu 19, the payment interface 20 is output, and the payment interface 20 is used for registering the user 1 to complete the payment operation. As shown in fig. 5, the payment interface 20 includes a resource value to be paid, and a payment password input box that allows the registered user 1 to input a payment password for authenticating the registered user 1.

5. And when the payment is completed, the first terminal completes the electronic resource transfer. The first terminal may obtain the payment password from the payment interface 20, authenticate the registered user 1 using the payment password, and output a remittance completion interface 21. As shown in FIG. 6, the money transfer completion interface 21 may be used to display the money transfer results, including the success of the money transfer and the money transfer amount (i.e., the second resource value); or, the remittance fails and the reason for the failure (e.g., insufficient balance of the registered subscriber 1, wrong payment password). The money transfer completion interface 21 may also include a confirmation menu 22, the confirmation menu 22 being used for confirmation of the money transfer result by the user.

6. The payee is selected, i.e. the user who picks up the electronic resource is selected, i.e. the registered user 2 is selected. When the first terminal receives the operation instruction of the confirmation menu 22, a user selection interface is output, and the user selection interface may include a plurality of user identifiers corresponding to the selected users. If the registered user 1 selects the user identifier xiaoluo, and the xiaoluo is the user identifier of the registered user 2 in the social application program, the first terminal takes the registered user 2 as a user for getting the electronic resource. After acquiring the registered user 2, the first terminal may output a confirmation interface 23, as shown in fig. 6, where the confirmation interface 23 is used by the registered user 1 to confirm whether the selected payee is correct; the confirmation interface 23 includes the user identification of the registered user 2 and the reason for the transfer of the electronic resource, which is used to explain the reason for the transfer of the electronic resource from the registered user 1 to the registered user 2, such as the travel fee, the birthday red envelope, and the like. And if the first terminal detects the confirmation instruction, adding the user identifications of the registered user 1 and the registered user 2 into the resource transfer information.

7. And encapsulating the resource transfer information. After the first terminal obtains the resource transfer information, a first adaptive template matched with the social application program can be selected based on the alliance service protocol, and the first adaptive template is adopted to package the resource transfer information to obtain a first resource package. After the first resource package is obtained, the first resource package may be sent to an intermediate server, and 685.16 yuan may be transferred to the intermediate server. As shown in fig. 6, the 685.16 yuan transfer from the first terminal to the intermediate server means: 685.16 yuan is deducted from the account address of the social application program of the registered user 1, and 685.16 yuan is added to the account address corresponding to the intermediate server; that is, the account balance of the account address of the registered user 1 on the social application program becomes 50 yuan, and the account balance of the account address corresponding to the intermediate server becomes 685.16 yuan.

8. The intermediate server converts the first resource package into a second resource package. As shown in fig. 6, the intermediate server may analyze the first resource packet to obtain resource transfer information; and selecting a second adaptive template matched with the payment application program based on the alliance service protocol, packaging the resource transfer information by adopting the second adaptive template to obtain a second resource packet, and sending the second resource packet to the second terminal.

9. And (4) the payee collects the money, namely the second terminal receives the second resource packet. After receiving the second resource package, the second terminal displays the second resource package 25 in a session window 24 of the social application program, as shown in fig. 7, where the session window 24 is a session window corresponding to the registered user 1 and the registered user 2.

10. And (5) receiving the payment confirmation, namely the second terminal executes the picking operation on the second resource package. The registered user 2 can perform a receiving operation on the second resource package, and the second terminal outputs a payment acceptance confirmation interface 26 when detecting the receiving operation on the second resource package; as shown in FIG. 7, the collection confirmation interface 26 includes a menu 27 for confirming the collection of the electronic resource types and resource values to be collected.

12. And sending a pickup response message. As shown in fig. 7, the registered user 2 may perform a pickup operation on the confirmed money collection menu 27 when confirming that the information on the money collection confirmation interface 26 is missing, and may generate a pickup response message and transmit the pickup response message to the intermediate server when the second terminal detects the pickup operation on the confirmed money collection menu 27.

13. The intermediate server sends the electronic resource to the second terminal. As shown in fig. 7, the intermediate server receives the pickup response message, obtains the conversion ratio between the harbor coin and the renmint, and if the conversion ratio is 0.86, it can convert 685.16 yuan into 800 harbor yuan, and transfer 800 harbor yuan to the second terminal. That is, 800 harbor units are deducted from the account address corresponding to the intermediate server, 800 harbor units are added to the account address of the registered user 2, that is, the account balance of the account address of the registered user 2 on the payment application program becomes 900 harbor units, and the account balance of the account address corresponding to the intermediate server becomes 0 unit.

In summary, through the steps 1 to 13, the electronic resource transfer between the transfer platform of the social application program and the transfer platform of the payment application program is realized, that is, the electronic resource transfer between resource transfer platforms can be realized, and the convenience of the electronic resource transfer can be improved.

The embodiment of the application takes a game currency transfer scene as an example, and describes the electronic resource transfer method. In this scenario, assume that the first resource transfer platform is game platform a and the second resource transfer platform is game platform B; when a registered user A of a game platform A wants to transfer an electronic resource to a game platform B, the electronic resource can be a game coin, game equipment or a game interface theme, and the like, wherein the game coin refers to a resource circulated on a game application platform and can be used for transferring to others, purchasing the game equipment or purchasing the game interface theme, and the like. For convenience of description, taking the electronic resource as the token as an example, before executing token transfer, the registered user a includes 10 tokens in the game account address on the game platform a, the registered user B includes 3 tokens in the game account address of the game platform B, and the intermediate server includes 0 token in the corresponding game account address. The first terminal is provided with a game application program of a game platform A, and the second terminal is provided with a game application program of a game platform B; as shown in fig. 8, the electronic resource transfer method may include the steps of:

the registered user a may set resource transfer information for transferring the game medals on the user interface of the game platform a, the resource transfer information may include the number of transferred game medals (e.g. 5 game medals), the game account address of the registered user B, the identification of the game platform a, and the like, and the identification of the game platform B and the identification of the game platform a may refer to the name or access address of the game platform, and the like. The first terminal can acquire the resource transfer information from the game application program of the game platform a, and acquire the data processing mode corresponding to the game platform a to package the resource transfer information to obtain the first resource package.

After the first resource packet is acquired by the first terminal, the first resource packet can be sent to the intermediate server, and 5 game coins are transferred from the game account address of the registered user A to the game account address of the intermediate server; the intermediate server can analyze the first resource packet to obtain resource transfer information, package the resource transfer information by adopting a data processing mode of the second game platform to obtain a second resource packet, and send the second resource packet to the second terminal.

And after receiving the second resource package, the second terminal can display the second resource package on the user interface of the game platform B. If the registered user B wants to receive the game coins transferred by the registered user A, the registered user B can perform a receiving operation on the second resource packet. If the second terminal detects the pickup operation for the second resource package, a pickup response message for the second resource package may be generated, where the pickup response message includes pickup time, a user identifier of the registered user B, and the like, and the pickup response message is sent to the intermediate server. The intermediate server may verify whether the second terminal satisfies the token drawing condition according to the response message, such as verifying whether the drawing time is within the validity period of the second resource package, or verifying whether the registered user B is a legitimate registered user according to the user identifier of the registered user B. And if the receiving time is within the effective time of the second resource packet or the registered user B is a legal registered user, determining that the second terminal meets the condition of receiving the game coins, and transferring 5 game coins from the game account address of the intermediate server to the game account address of the second terminal. Fig. 8 realizes the electronic resource transfer between the game platform a and the game platform B, that is, the electronic resource transfer between the resource transfer platforms can be realized, and the convenience of the electronic resource transfer can be improved.

Fig. 9 is a schematic structural diagram of an electronic resource transfer device according to an embodiment of the present application. The electronic resource transfer device may be a computer program (including program code) running on a computer apparatus, for example the electronic resource transfer device being an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application. As shown in fig. 9, the electronic resource transfer device 1 may include a parsing module 11, a selecting module 12, an encapsulating module 13, and a transfer model 14.

The resource transfer module is configured to analyze a first resource packet used for transferring an electronic resource from a first terminal to a second terminal to obtain resource transfer information, where the first resource packet is obtained by encapsulating, by the first terminal, the resource transfer information by using a first adaptation template matched with a first resource transfer platform, the resource transfer information includes a first resource value corresponding to a resource to be transferred, and the first terminal and the second terminal are both alliance members meeting an alliance service protocol; the second terminal belongs to a second resource transfer platform;

a selecting module 12, configured to select, according to the federation service protocol, a second adaptive template matching the second resource transfer platform;

the encapsulation module 13 is configured to encapsulate the resource transfer information by using the second adaptive template to obtain a second resource packet;

a transferring module 14, configured to send the second resource packet to the second terminal, and transfer a target transfer resource to the second terminal according to the first resource value if receiving an obtaining response message about the second resource packet sent by the second terminal.

For specific functional implementation manners of the parsing module 11, the selecting module 12, the encapsulating module 13, and the transfer model 14, reference may be made to steps S105 to S108 and step S110 in the embodiment corresponding to fig. 3, which is not described herein again.

Referring to fig. 9 again, the encapsulation module 13 includes an encapsulation unit 131 and an encryption unit 132.

An encapsulating unit 131, configured to encapsulate the resource transfer information by using the first data encapsulation format, so as to obtain a first data packet;

the encrypting unit 132 is configured to encrypt the first data packet by using the public key of the second terminal, so as to obtain the second resource packet.

Referring again to fig. 9, the apparatus further includes: the verification module 15 is configured to determine validity of the first terminal and the second terminal according to the federation service protocol; and if the first terminal and the second terminal both have legality, executing the step of selecting a second adaptive template matched with a second resource transfer platform according to the alliance service protocol.

Referring again to fig. 9, the verification module 15 may include a generation unit 151 and a determination unit 152.

A generating unit 151, configured to generate a verification request, and send the verification request to a common node device in a blockchain network, so that the common node device verifies the legitimacy of the first terminal and the second terminal according to the alliance service protocol to obtain a verification result;

a determining unit 152, configured to receive the verification result sent by the consensus node device, and determine the validity of the first terminal and the second terminal according to the verification result sent by the consensus node device.

Optionally, the determining unit 152 is specifically configured to count, as the first number, the number of the common node devices in the blockchain network that determine that the first terminal has validity; counting the number of the common node devices which determine that the second terminal has legality in the blockchain network as a second number; if the first number is larger than the number threshold, determining that the first terminal has validity; and if the second number is larger than the number threshold, determining that the second terminal has legality.

Optionally, the determining unit 152 is configured to determine that the first terminal has validity if the first terminal belongs to the terminal set; and if the second terminal belongs to the terminal set, determining that the second terminal has legality.

Optionally, the determining unit 152 is configured to read historical transaction data of the first terminal and historical transaction data of the second terminal from the blockchain network; counting the times of transferring the electronic resource from the first terminal in the preset time period from the historical transaction data of the first terminal as a first time; counting the times of transferring the electronic resource from the second terminal in the preset time period from the historical transaction data of the second terminal as a second time; if the first time is less than or equal to the time threshold, determining that the first terminal has validity; and if the second time is less than or equal to the time threshold, determining that the second terminal has validity.

Referring to fig. 9 again, the transferring module 14 may include an obtaining unit 141, a converting unit 142, and a transferring unit 143.

An obtaining unit 141, configured to obtain, from the first terminal, a resource to be transferred with the first electronic resource type and the first resource value; acquiring a conversion ratio between the first electronic resource type and the second electronic resource type;

a conversion unit 142, configured to generate a second resource value according to the conversion ratio and the first resource value; converting the resource to be transferred into a target transfer resource with the second electronic resource type and the second resource value;

a transferring unit 143, configured to transfer the target transfer resource to the second terminal.

The apparatus may further comprise: the module 16 is withdrawn.

A withdrawal module 16, configured to receive a withdrawal request for the resource to be transferred sent by the first terminal; if the target transfer resource is not transferred to the second terminal, suspending transferring the target transfer resource to the second terminal according to the withdrawal request, and returning the resource to be transferred to the first terminal.

Fig. 10 is a schematic structural diagram of an electronic resource transfer device according to an embodiment of the present application. The electronic resource transfer device may be a computer program (including program code) running on a computer apparatus, for example the electronic resource transfer device being an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application. As shown in fig. 10, the electronic resource transfer apparatus 2 may include: the device comprises an acquisition module 21, a selection module 22, an encapsulation module 23 and a sending module 24.

An obtaining module 21, configured to obtain resource transfer information used for transferring an electronic resource from a first terminal to a second terminal, where the resource transfer information includes a first resource value corresponding to a resource to be transferred, and the first terminal and the second terminal are both alliance members meeting an alliance service protocol;

a selecting module 22, configured to select, according to the federation service protocol, a first adaptation template that matches the first resource transfer platform;

the encapsulating module 23 is configured to encapsulate the resource transfer information by using the first adaptive template to obtain a first resource packet;

a sending module 24, configured to send the first resource package to an intermediate server, so that the intermediate server encapsulates the resource transfer information by using a second adaptive template of a second resource transfer platform to obtain a second resource package, and sends the second resource package to the second terminal; the second resource package is used for indicating the intermediate server to transfer the target transfer resource to the second terminal according to the first resource value when receiving the pickup response message; the pickup response message is a message generated by the second terminal in association with the second resource package; the second terminal belongs to a second resource transfer platform.

Optionally, specific functional implementation manners of the obtaining module 21, the selecting module 22, the encapsulating module 23, and the sending module 24 may refer to steps S101 to S104 in the embodiment corresponding to fig. 3, which is not described herein again.

Referring to fig. 10 again, the obtaining module 21 may include an output unit 211 and an obtaining unit 212.

An output unit 211, configured to output a resource transfer option on a user interface of the social application; responding to the operation instruction of the resource transfer option, and outputting an information configuration interface, wherein the information configuration interface is used for configuring resource transfer information;

an obtaining unit 212, configured to obtain the configured resource transfer information from the information configuration interface.

Referring to fig. 10 again, the encapsulation module 23 may include an encapsulation unit 231 and an encryption unit 232. An encapsulating unit 231, configured to encapsulate the resource transfer information by using the second data encapsulation format, so as to obtain a second data packet;

an encrypting unit 232, configured to encrypt the second data packet by using the public key of the first terminal, so as to obtain the first resource packet.

Fig. 11 is a schematic structural diagram of a computer device according to an embodiment of the present application. As shown in fig. 11, the computer device may be the intermediate server in fig. 1. The computer apparatus 1000 described above may include: the processor 1001, the network interface 1004, and the memory 1005, and the computer apparatus 1000 may further include: a user interface 1003, and at least one communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display) and a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a standard wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk memory. The memory 1005 may optionally be at least one memory device located remotely from the processor 1001. As shown in fig. 11, a memory 1005, which is a kind of computer-readable storage medium, may include therein an operating system, a network communication module, a user interface module, and a device control application program.

In the computer device 1000 shown in fig. 11, the network interface 1004 may provide a network communication function; the user interface 1003 is an interface for providing a user with input; and the processor 1001 may be used to invoke a device control application stored in the memory 1005 to implement:

analyzing a first resource packet used for transferring electronic resources from a first terminal to a second terminal to obtain resource transfer information, wherein the first resource packet is obtained by packaging the resource transfer information by the first terminal by adopting a first adaptive template matched with a first resource transfer platform, the resource transfer information comprises a first resource value corresponding to the resources to be transferred, and the first terminal and the second terminal are all alliance members meeting alliance service protocols; the second terminal belongs to a second resource transfer platform;

and if receiving a pickup response message about the second resource packet sent by the second terminal, transferring the target transfer resource to the second terminal according to the first resource value.

When the processor 1001 performs the encapsulation of the resource transfer information by using the second adaptive template to obtain the second resource packet, the following steps are specifically performed:

packaging the resource transfer information by adopting the first data packaging format to obtain a first data message;

and encrypting the first data message by adopting the public key of the second terminal to obtain the second resource packet.

The processor 1001 may further perform the following steps:

determining the legality of the first terminal and the second terminal according to the alliance service protocol;

and if the first terminal and the second terminal both have legality, executing the step of selecting a second adaptive template matched with a second resource transfer platform according to the alliance service protocol.

When the processor 1001 determines the validity of the first terminal and the second terminal according to the alliance service protocol, the following steps are specifically executed:

generating a verification request, and sending the verification request to a consensus node device in a blockchain network, so that the consensus node device verifies the legality of the first terminal and the second terminal according to the alliance service protocol to obtain a verification result;

and receiving a verification result sent by the consensus node equipment, and determining the legality of the first terminal and the second terminal according to the verification result sent by the consensus node equipment.

When the processor 1001 determines the validity of the first terminal and the second terminal according to the verification result sent by the consensus node device, the following steps are specifically executed:

counting the number of the common node devices which determine that the first terminal has legality in the blockchain network as a first number;

counting the number of the common node devices which determine that the second terminal has legality in the blockchain network as a second number;

if the first number is larger than the number threshold, determining that the first terminal has validity;

and if the second number is larger than the number threshold, determining that the second terminal has legality.

if the first terminal belongs to the terminal set, determining that the first terminal has legality;

and if the second terminal belongs to the terminal set, determining that the second terminal has legality.

reading the historical transaction data of the first terminal and the historical transaction data of the second terminal from the blockchain network;

counting the times of transferring the electronic resource from the first terminal in the preset time period from the historical transaction data of the first terminal as a first time;

counting the times of transferring the electronic resource from the second terminal in the preset time period from the historical transaction data of the second terminal as a second time;

if the first time is less than or equal to the time threshold, determining that the first terminal has validity;

and if the second time is less than or equal to the time threshold, determining that the second terminal has validity.

When the processor 1001 transfers the target transfer resource to the second terminal according to the first resource value, the following steps are specifically executed:

acquiring the resource to be transferred with the first electronic resource type and the first resource value from the first terminal;

acquiring a conversion ratio between the first electronic resource type and the second electronic resource type;

generating a second resource value according to the conversion proportion and the first resource value;

converting the resource to be transferred into a target transfer resource with the second electronic resource type and the second resource value;

and transferring the target transfer resource to the second terminal.

The processor 1001 may further perform the following steps:

receiving a withdrawal request aiming at the resource to be transferred, which is sent by the first terminal;

if the target transfer resource is not transferred to the second terminal, suspending transferring the target transfer resource to the second terminal according to the withdrawal request, and returning the resource to be transferred to the first terminal.

It should be understood that the computer device 1000 described in this embodiment of the present application may perform the description of the electronic resource transfer method in the embodiment corresponding to fig. 3, and may also perform the description of the electronic resource transfer apparatus in the embodiment corresponding to fig. 9, which is not described herein again. In addition, the beneficial effects of the same method are not described in detail.

Fig. 12 is a schematic structural diagram of a computer device according to an embodiment of the present application. As shown in fig. 12, the computer device may be the first terminal in fig. 1, and the computer device 2000 may include: the processor 2001, the network interface 2004 and the memory 2005, the computer device 2000 may further include: a user interface 2003, and at least one communication bus 2002. The communication bus 2002 is used to implement connection communication between these components. The user interface 2003 may include a Display (Display) and a Keyboard (Keyboard), and the optional user interface 2003 may further include a standard wired interface and a standard wireless interface. The network interface 2004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 2005 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory) such as at least one disk memory. The memory 2005 may optionally also be at least one memory device located remotely from the aforementioned processor 2001. As shown in fig. 12, the memory 2005, which is a type of computer-readable storage medium, may include therein an operating system, a network communication module, a user interface module, and a device control application program.

In the computer device 2000 shown in fig. 12, the network interface 2004 may provide a network communication function; and the user interface 2003 is primarily used to provide an interface for user input; and processor 2001 may be used to invoke the device control application stored in memory 2005 to implement:

acquiring resource transfer information for transferring electronic resources from a first terminal to a second terminal, wherein the resource transfer information comprises a first resource numerical value corresponding to the resources to be transferred, and the first terminal and the second terminal are both alliance members meeting alliance service protocols;

selecting a first adaptive template matched with the first resource transfer platform according to the alliance service protocol;

sending the first resource packet to an intermediate server so that the intermediate server adopts a second adaptive template of a second resource transfer platform to package the resource transfer information to obtain a second resource packet, and sending the second resource packet to the second terminal; the second resource package is used for indicating the intermediate server to transfer the target transfer resource to the second terminal according to the first resource value when receiving the pickup response message; the pickup response message is a message generated by the second terminal in association with the second resource package; the second terminal belongs to a second resource transfer platform.

When the processor 2001 acquires resource transfer information for transferring an electronic resource from a first terminal to a second terminal, the processor specifically executes the following steps:

outputting a resource transfer option on a user interface of the social application;

responding to the operation instruction of the resource transfer option, and outputting an information configuration interface, wherein the information configuration interface is used for configuring resource transfer information;

and acquiring the configured resource transfer information from the information configuration interface.

The processor 2001 encapsulates the resource transfer information by using the first adaptive template, and when obtaining the first resource packet, specifically performs the following steps:

packaging the resource transfer information by adopting the second data packaging format to obtain a second data message;

and encrypting the second data message by adopting the public key of the first terminal to obtain the first resource packet.

It should be understood that the computer device 2000 described in this embodiment of the present application may perform the description of the electronic resource transfer method in the embodiment corresponding to fig. 3, and may also perform the description of the electronic resource transfer apparatus in the embodiment corresponding to fig. 10, which is not described herein again. In addition, the beneficial effects of the same method are not described in detail.

Further, here, it is to be noted that: an embodiment of the present invention further provides a computer-readable storage medium, where the aforementioned electronic resource transfer device 1 and a computer program executed by the electronic resource transfer device 2 are stored in the computer-readable storage medium, and the computer program includes program instructions, and when the processor executes the program instructions, the description of the electronic resource transfer method in the embodiment corresponding to fig. 3 can be executed, and therefore, details will not be repeated here. In addition, the beneficial effects of the same method are not described in detail. For technical details not disclosed in embodiments of the computer-readable storage medium referred to in the present application, reference is made to the description of embodiments of the method of the present application.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic disk, an optical disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), or the like.

The above disclosure is only for the purpose of illustrating the preferred embodiments of the present application and is not to be construed as limiting the scope of the present application, so that the present application is not limited thereto, and all equivalent variations and modifications can be made to the present application.

Claims

1. An electronic resource transfer method, comprising:

2. The method of claim 1, wherein the second adaptive template comprises a public key of the second terminal and a first data encapsulation format, and the encapsulating the resource transfer information with the second adaptive template to obtain a second resource package comprises:

3. The method of claim 1, wherein the method further comprises:

and if the first terminal and the second terminal are both legal, executing the step of selecting a second adaptive template matched with a second resource transfer platform according to the alliance service protocol.

4. The method of claim 3, wherein the determining the legitimacy of the first terminal and the second terminal according to the federation service protocol comprises:

generating a verification request, and sending the verification request to a consensus node device in a block chain network, so that the consensus node device verifies the legality of the first terminal and the second terminal according to the alliance service protocol to obtain a verification result;

5. The method of claim 4, wherein the determining the validity of the first terminal and the second terminal according to the verification result sent by the consensus node device comprises:

counting the number of the common node devices which determine that the first terminal has legality in the block chain network as a first number;

counting the number of the common identification node equipment which determines that the second terminal has legality in the block chain network as a second number;

if the first number is larger than a number threshold, determining that the first terminal has validity;

6. The method of claim 3, wherein the federation service protocol includes a set of terminals, the set of terminals including a plurality of terminals identified as legitimate, the determining the legitimacy of the first terminal and the second terminal according to the federation service protocol comprising:

7. The method of claim 3, wherein the federation service agreement includes a threshold number of times electronic resource transfers are performed within a preset time period, and the determining the validity of the first terminal and the second terminal according to the federation service agreement includes:

reading historical transaction data of the first terminal and historical transaction data of the second terminal from a blockchain network;

counting the times of transferring the electronic resource from the first terminal within the preset time period from the historical transaction data of the first terminal as a first time;

counting the times of transferring the electronic resource from the second terminal within the preset time period from the historical transaction data of the second terminal as a second time;

8. The method of claim 1, wherein the resource transfer information further includes a first electronic resource type corresponding to the first terminal and a second electronic resource type corresponding to the second terminal, and the transferring the target transfer resource to the second terminal according to the first resource value comprises:

acquiring a resource to be transferred with the first electronic resource type and the first resource value from the first terminal;

and transferring the target transfer resource to the second terminal.

9. The method of claim 8, wherein the method further comprises:

receiving a withdrawal request for the resource to be transferred, which is sent by the first terminal;

and if the target transfer resource is not transferred to the second terminal, suspending transferring the target transfer resource to the second terminal according to the withdrawal request, and returning the resource to be transferred to the first terminal.

10. An electronic resource transfer method, comprising:

11. The method of claim 10, wherein the obtaining resource transfer information for transferring electronic resources from the first terminal to the second terminal comprises:

responding to an operation instruction of the resource transfer option, and outputting an information configuration interface, wherein the information configuration interface is used for configuring resource transfer information;

12. The method of claim 10, wherein the first adaptation template includes a public key of the first terminal and a second data encapsulation format, and wherein the encapsulating the resource transfer information using the first adaptation template to obtain a first resource package comprises:

13. A computer device, comprising: a processor, a memory, and a network interface;

the processor is connected to a memory for providing data communication functions, a network interface for storing program code, and a processor for calling the program code to perform the method of any one of claims 1 to 12.

14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions which, when executed by a processor, perform the steps of the method according to any one of claims 1 to 12.