CN111402035A

CN111402035A - Resource transfer method, device, equipment and system

Info

Publication number: CN111402035A
Application number: CN202010202780.3A
Authority: CN
Inventors: 张瑞
Original assignee: Alipay Labs Singapore Pte Ltd
Current assignee: Advanced Nova Technology Singapore Holdings Ltd
Priority date: 2020-03-20
Filing date: 2020-03-20
Publication date: 2020-07-10
Anticipated expiration: 2040-03-20
Also published as: CN111402035B

Abstract

The embodiment of the specification provides a resource transfer method, a device, equipment and a system, wherein the method comprises the following steps: the resource transfer service platform receives a resource transfer acceptance request sent by the first transfer mechanism, and sends the acceptance request to the second transfer mechanism so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second mechanism; wherein the first transfer mechanism and the second transfer mechanism are in different national borders; if the resource transfer service platform receives the confirmation information that the supervision mechanism approves the acceptance request, the resource transfer service platform sends the confirmation information to the first transfer mechanism so that the first transfer mechanism executes the cross-border transfer-out processing of the resources; and if the resource cross-border transfer-out processing is determined to be successful, sending resource transfer-out success information to the monitoring mechanism, so that the monitoring mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes resource cross-border transfer-in processing to transfer the corresponding resource to the second user.

Description

Resource transfer method, device, equipment and system

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method, an apparatus, a device, and a system for transferring resources.

Background

With the development of economic level, cross-border remittance has become a demand for people in life and work. For example, a child in country a remits money from his account in country a to a parent's account in country B, or a headquarters in country a in a multi-country enterprise dials money from his account in country a to a branch account in country B. However, in the current cross-border remittance process, the fund transfer is usually completed directly between financial institutions, in the process, the fund transfer information is not disclosed, and the fund transfer process is not transparent, so that the risk of illegal operation exists.

Disclosure of Invention

One or more embodiments of the present disclosure provide a method, an apparatus, a device, and a system for transferring a resource, so as to monitor a transfer process of the resource by a monitoring mechanism during a cross-border resource transfer process, thereby avoiding a risk of performing an illegal operation on the resource and ensuring rationality and effectiveness of the cross-border resource transfer.

To solve the above technical problem, one or more embodiments of the present specification are implemented as follows:

one or more embodiments of the present specification provide a resource transfer method, which is applied to a resource transfer service platform, and includes:

receiving a resource transfer acceptance request sent by a first transfer mechanism; the acceptance request is sent based on a resource transfer request which is sent by a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

sending the acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second mechanism to request the supervision mechanism to supervise the acceptance request;

if receiving confirmation information that the supervision mechanism approves the acceptance request, sending the confirmation information to the first transfer mechanism so that the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request;

if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, sending resource transfer-out success information to the supervision mechanism so that the supervision mechanism sends indication information to the second transfer mechanism and the second transfer mechanism executes the resource cross-border transfer-in processing corresponding to the resource transfer request so as to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer method, applied to a regulatory agency, including:

receiving a supervision request sent by a second transfer mechanism; the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

if the acceptance request is determined to be approved according to the supervision request, sending confirmation information for approving the acceptance request to the resource transfer service platform so that the resource transfer service platform sends the confirmation information to the first transfer mechanism and the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request;

and if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, sending indication information to the second transfer mechanism so that the second transfer mechanism executes the resource cross-border transfer-in processing corresponding to the resource transfer request to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer method, applied to a first transfer mechanism, including:

receiving a resource transfer request sent by a first user for transferring resources to a second user; wherein the resource transfer request includes resource transfer information; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

sending an acceptance request of resource transfer to a resource transfer service platform according to the resource transfer information, so that the resource transfer service platform sends the acceptance request to the second transfer mechanism, and the second transfer mechanism requests a monitoring mechanism which governs the second transfer mechanism to monitor the acceptance request;

if the confirmation information that the acceptance request is approved by the supervision mechanism and sent by the resource transfer service platform is received, executing cross-border transfer-out processing of the resources corresponding to the resource transfer request;

and sending resource transfer-out success information to the resource transfer service platform so that the resource transfer service platform sends the resource transfer-out success information to the supervision mechanism, and the supervision mechanism instructs the second transfer mechanism to execute the resource cross-border transfer-in processing corresponding to the resource transfer request so as to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer method, applied to a second transfer mechanism, including:

receiving an acceptance request sent by a resource transfer service platform; the receiving request is sent to the resource transfer service platform by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by the second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

sending a supervision request to a supervision mechanism which governs the second transfer mechanism according to the acceptance request so as to request the supervision mechanism to supervise the acceptance request;

and if the indication information sent by the monitoring mechanism is received, executing resource cross-border switching-in processing corresponding to the resource transfer request so as to switch in the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer apparatus, which is applied to a resource transfer service platform, and includes:

a receiving module for receiving a resource transfer acceptance request transmitted by the first transfer mechanism; the acceptance request is sent based on a resource transfer request which is sent by a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a first sending module, configured to send the acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second mechanism, so as to request the supervision mechanism to supervise the acceptance request;

a second sending module, configured to send, if receiving confirmation information that the regulatory agency approves the acceptance request, the confirmation information to the first transfer agency so that the first transfer agency executes resource cross-border transfer-out processing corresponding to the resource transfer request;

and if it is determined that the first transfer mechanism successfully executes the resource cross-border transfer-out process, a third sending module sends a resource transfer-out success message to the monitoring mechanism, so that the monitoring mechanism sends an indication message to the second transfer mechanism, and the second transfer mechanism executes the resource cross-border transfer-in process corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer apparatus, applied to a regulatory agency, including:

the receiving module receives the supervision request sent by the second transfer mechanism; the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

an approval module, configured to send, if it is determined according to the supervision request that the acceptance request is approved, confirmation information for approving the acceptance request to the resource transfer service platform, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request;

and the sending module is used for sending indication information to the second transfer mechanism if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, so that the second transfer mechanism executes the resource cross-border transfer-in processing corresponding to the resource transfer request, and transfers the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer apparatus, applied to a first transfer mechanism, including:

the system comprises a receiving module, a resource transferring module and a resource transferring module, wherein the receiving module is used for receiving a resource transferring request which is sent by a first user and transfers resources to a second user; wherein the resource transfer request includes resource transfer information; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a first sending module, configured to send an acceptance request for resource transfer to a resource transfer service platform according to the resource transfer information, so that the resource transfer service platform sends the acceptance request to the second transfer mechanism, and the second transfer mechanism requests a monitoring mechanism governing the second transfer mechanism to monitor the acceptance request;

the processing module is used for executing resource cross-border transfer-out processing corresponding to the resource transfer request if receiving confirmation information which is sent by the resource transfer service platform and used for the supervision mechanism to approve the acceptance request;

and the second sending module is used for sending the resource transfer-out success information to the resource transfer service platform so that the resource transfer service platform sends the resource transfer-out success information to the supervision mechanism, and the supervision mechanism instructs the second transfer mechanism to execute the resource cross-border transfer-in processing corresponding to the resource transfer request so as to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer apparatus, applied to a second transfer mechanism, including:

the receiving module is used for receiving an acceptance request sent by the resource transfer service platform; the receiving request is sent to the resource transfer service platform by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by the second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a sending module, configured to send a supervision request to a supervision entity that governs the second transfer entity according to the acceptance request, so as to request the supervision entity to supervise the acceptance request;

and if receiving the indication information sent by the monitoring mechanism, the processing module executes resource cross-border transfer processing corresponding to the resource transfer request so as to transfer the corresponding resource to the second user.

One or more embodiments of the present specification provide a resource transfer system, including: the system comprises a first transfer mechanism, a resource transfer service platform, a second transfer mechanism and a supervision mechanism; wherein the first transfer agency and the second transfer agency are in different national borders, and the regulatory agency governs the second transfer agency;

the first transfer mechanism receives a resource transfer request for transferring resources to a second user, which is sent by a first user requesting resource transfer, and sends a resource transfer acceptance request to the resource transfer service platform according to the resource transfer request; if the confirmation information sent by the resource transfer service platform is received, executing resource cross-border transfer-out processing corresponding to the resource transfer request;

the resource transfer service platform receives the acceptance request sent by the first transfer mechanism and sends the acceptance request to the second transfer mechanism; if receiving the confirmation information that the supervision mechanism approves the acceptance request, sending the confirmation information to the first transfer mechanism; if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, sending resource transfer-out success information to the supervision mechanism;

the second transfer mechanism receives the acceptance request sent by the resource transfer service platform and sends a supervision request to the supervision mechanism according to the acceptance request; if receiving the indication information sent by the monitoring mechanism, executing resource cross-border switching-in processing corresponding to the resource transfer request so as to switch in the corresponding resource to the second user;

the supervision mechanism receives the supervision request sent by the second transfer mechanism, and if the acceptance request is determined to be approved according to the supervision request, the supervision mechanism sends confirmation information for approving the acceptance request to the resource transfer service platform; and if receiving the resource transfer-out success information sent by the resource transfer service platform, sending the indication information to the second transfer mechanism.

One or more embodiments of the present specification provide a resource transfer apparatus, including:

a processor; and the number of the first and second groups,

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

a processor; and the number of the first and second groups,

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following:

In an embodiment of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, a resource transfer service platform sends the acceptance request to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to an affiliated supervision mechanism to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a first scenario diagram of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 2 is a schematic diagram of a second scenario of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 3 is a first flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 4 is a second flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 5 is a third flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 6 is a fourth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 7 is a fifth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 8 is a sixth flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 9 is a seventh flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 10 is an eighth flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 11 is a ninth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 12 is a tenth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 13 is an eleventh flowchart of a resource transfer method according to one or more embodiments of the present disclosure;

fig. 14 is a twelfth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 15 is a thirteenth flowchart illustrating a resource transfer method according to one or more embodiments of the present disclosure;

fig. 16 is a schematic diagram illustrating a first module composition of a resource transfer apparatus according to one or more embodiments of the present disclosure;

fig. 17 is a schematic diagram illustrating a second module composition of a resource transfer device according to one or more embodiments of the present disclosure;

fig. 18 is a schematic diagram illustrating a third module composition of a resource transfer device according to one or more embodiments of the present disclosure;

fig. 19 is a schematic diagram illustrating a fourth module of a resource transfer device according to one or more embodiments of the present disclosure;

FIG. 20 is a schematic diagram of a resource transfer system according to one or more embodiments of the present disclosure;

fig. 21 is a schematic structural diagram of a resource transfer device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

Fig. 1 is a schematic view of an application scenario of a resource transfer method according to one or more embodiments of the present specification, as shown in fig. 1, the scenario includes: the system comprises terminal equipment of a first user, a first transfer mechanism, a resource transfer service platform, a second transfer mechanism and a second user; the terminal device of the first user may be a mobile phone, a tablet computer, a desktop computer, a portable notebook computer, or the like (only the mobile phone is shown in fig. 1); the first user is a user served by a first transfer mechanism, and the second user is a user served by a second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national borders.

Specifically, the terminal device of the first user sends a resource transfer request to the first transfer mechanism in response to a resource transfer operation of the first user for transferring the resource to the second user; the first transfer mechanism sends a resource transfer acceptance request to the resource transfer service platform according to the resource transfer information included in the received resource transfer request; the resource transfer service platform sends the received acceptance request to a second transfer mechanism; the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism according to the resource transfer information included in the acceptance request; if the supervision mechanism determines to approve the acceptance request according to the supervision request, sending confirmation information of resource transfer to the resource transfer service platform; the resource transfer service platform sends the received confirmation information to the first transfer mechanism; after receiving the confirmation information sent by the resource transfer service platform, the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the corresponding resource transfer request, and sends resource transfer-out success information to the resource transfer service platform after the resource cross-border transfer-out processing is successful; the resource transfer service platform sends the received resource transfer-out success information to a monitoring mechanism; when the supervision mechanism receives the successful resource transfer-out information, the supervision mechanism sends indication information to the second transfer mechanism; when the second transfer mechanism receives the indication information sent by the monitoring mechanism, executing resource cross-border transfer processing corresponding to the resource transfer request to transfer the corresponding resource to the second user, and sending resource transfer result information to the monitoring mechanism when the transfer processing is successful; the monitoring mechanism sends the resource transfer result information to the resource transfer service platform; the resource transfer service platform sends the received resource transfer result information to the first transfer mechanism; and when the first transfer mechanism receives the resource transfer result information, sending the resource transfer result information to the terminal equipment of the first user. The second mechanism can also send the resource transfer result information to the resource transfer service platform, so that the resource transfer service platform sends the resource transfer result information to the first transfer mechanism. The resource may be an entity resource, such as currency, or may be a virtual resource, such as an integral.

Further, when the fund transfer is performed, if the resource transfer account information in the resource transfer information is bank account information, as shown in fig. 2, when the second transfer mechanism receives the indication information sent by the monitoring mechanism, the second transfer mechanism sends a transfer request to the corresponding bank mechanism according to the indication information; and the banking mechanism executes corresponding resource cross-border switching-in processing according to the received transfer request so as to switch in the corresponding resource to the second user, and sends resource switching-in result information to the second mechanism.

Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Based on the application scenario architecture, one or more embodiments of the present specification provide a resource transfer processing method. Fig. 3 is a flowchart illustrating a resource transfer method according to one or more embodiments of the present specification, where the method in fig. 3 can be executed by the resource transfer service platform in fig. 1, as shown in fig. 3, and the method includes the following steps:

step S102, receiving a resource transfer acceptance request sent by a first transfer mechanism; the receiving request is sent based on a resource transfer request which is sent by a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by a first transfer mechanism, and the second user is a user served by a second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national borders;

specifically, when a first user needs to transfer resources from an account of the first user in a certain country to an account of a second user in another country, the first user operates a terminal device of the first user to send a resource transfer request to a first transfer mechanism in the same country; and when the first transfer mechanism receives the resource transfer request, determining a transaction identifier of the resource transfer request, storing the transaction identifier and resource transfer information included in the resource transfer request in a correlation manner, and sending a resource transfer acceptance request to the resource transfer service platform according to the resource transfer information and the determined transaction identifier. The resource transfer information comprises user information of a first user, resource transfer-out account information, resource transfer-in account information, the quantity of resources to be transferred and the like; the resource may be an entity resource, such as currency, or a virtual resource, such as an integral.

Step S104, sending an acceptance request to a second transfer mechanism so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request;

specifically, the resource transfer service platform stores the second identification information of the first transfer mechanism in association with the transaction identification in the acceptance request, and sends the acceptance request to the second transfer mechanism; when the second transfer mechanism receives the acceptance request sent by the resource transfer service platform, the transaction identifier and the resource transfer information included in the acceptance request are stored in a correlation mode, the supervision request is sent to a supervision mechanism which governs the second transfer mechanism according to the transaction identifier and the resource transfer information included in the acceptance request, so that when the supervision mechanism determines to approve the acceptance request according to the supervision request, the first identifier information of the second transfer mechanism and the transaction identifier and the like in the supervision request are stored in a correlation mode, and confirmation information for approving the acceptance request is sent to the resource transfer service platform according to the transaction identifier. The reception request in step S104 may be the same as or different from the reception request in step S102.

Step S106, if the confirmation information that the supervision mechanism approves the acceptance request is received, the confirmation information is sent to the first transfer mechanism, so that the first transfer mechanism executes the resource cross-border transfer-out processing corresponding to the resource transfer request;

specifically, if the confirmation information that the acceptance request is approved by the monitoring authority is received, the second identification information stored in a related manner is acquired according to the transaction identification in the confirmation information, and the confirmation information is sent to the first transfer mechanism corresponding to the acquired second identification information. And when the first transfer mechanism receives the confirmation information, acquiring the resource transfer information stored in association according to the transaction identifier included in the confirmation information, and executing corresponding resource cross-border transfer-out processing according to the acquired resource transfer information.

And step S108, if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, sending resource transfer-out success information to the supervision mechanism, so that the supervision mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes the resource cross-border transfer-in processing corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

Wherein, the resource transfer-out success information comprises a transaction identifier; when the supervising mechanism receives the resource transfer-out success information, acquiring first identification information stored in a related manner according to a transaction identification included in the resource transfer-out success information, and sending indication information to a second transfer mechanism corresponding to the acquired first identification information according to the transaction identification and the like; and the second transfer mechanism acquires the resource transfer information stored in association according to the transaction identifier in the received indication information, and executes corresponding resource cross-border transfer processing according to the acquired resource transfer information so as to transfer the corresponding resource to the second user.

In one or more embodiments of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, a resource transfer service platform sends the acceptance request to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism, so as to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

In consideration of the practical application, a user may have a need to transfer resources from one resource transfer-out account to multiple resource transfer-in accounts, or a need to transfer resources from multiple resource transfer-out accounts to the same resource transfer-in account, or a need to transfer resources from multiple resource transfer-out accounts to multiple resource transfer-in accounts, and the like. Based on this, as shown in fig. 4, in one or more embodiments of the present specification, step S104 includes:

step S104-2, determining whether the acceptance request comprises a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information which are included in the acceptance request, if so, executing step S104-4, otherwise, executing step S104-6;

step S104-4, generating a plurality of branch acceptance requests according to the plurality of resource transfer paths and the number of corresponding resources to be transferred, and sequentially sending the branch acceptance requests to a second transfer mechanism, so that the second transfer mechanism sequentially sends supervision requests to a supervision mechanism which supervises the second transfer mechanism to request the supervision mechanism to supervise the branch acceptance requests;

specifically, the branch transaction identifier of the branch transaction corresponding to each resource transfer path is sequentially determined, a branch acceptance request is generated according to the branch transaction identifier, the transaction identifier in the acceptance request, the corresponding resource transfer path and the number of the resources to be transferred, and the branch acceptance request is sent to the second transfer mechanism, so that the second transfer mechanism sequentially sends monitoring requests to the monitoring mechanism which governs the second transfer mechanism, and the monitoring mechanism is requested to monitor the branch acceptance request.

And step S104-6, sending an acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request.

As an example, a first user a transfers a first amount of resources to an account 2 of a second user B in country B and a second amount of resources to an account 3 of the second user c in country B, respectively, through an account 1 of the first user a in country a; correspondingly, the resource transfer information in the acceptance request comprises account information of the resource transfer-out account 1, account information of the resource transfer-in account 2 and a corresponding first quantity, and account information of the resource transfer-in account 3 and a corresponding second quantity; the resource transfer service platform determines that the accepting request comprises two resource transfer paths, namely an account 1 to an account 2 and an account 1 to an account 3, according to the resource transfer information, generates a branch accepting request according to the transaction identifier, the determined branch transaction identifier, the account information of the account 1, the account information of the account 2 and the first quantity, and sends the generated branch accepting request to a second organization; and generating a branch acceptance request according to the transaction identifier, the determined branch transaction identifier, the account information of the account 1, the account information of the account 3 and the second quantity, and transmitting the generated branch acceptance request to the second institution.

Further, when the second transfer mechanism receives the branch acceptance request, the resource transfer-out account information, the resource transfer-in account information, the quantity of the resource to be transferred, the transaction identifier, the branch transaction identifier and the like in the branch acceptance request are stored in a correlated manner, and a supervision request is sent to a supervision mechanism which governs the second transfer mechanism according to the stored information; when the monitoring mechanism determines to approve the branch acceptance request according to the monitoring request, the first identification information of the second transfer mechanism is stored in association with the transaction identification, the branch transaction identification and the like included in the monitoring request, and confirmation information for approving the branch acceptance request is sent to the resource transfer service platform according to the resource transfer-out account information, the resource transfer-in account information, the quantity of the resources to be transferred, the transaction identification and the branch transaction identification included in the monitoring request; the resource transfer service platform sends the received confirmation information to the first transfer mechanism; the first transfer mechanism acquires resource transfer information stored in a relevant manner according to the transaction identifier in the confirmation information, if the resource transfer path and the corresponding quantity of the resources to be transferred in the confirmation information are determined to be matched with the resource transfer path and the corresponding quantity of the resources to be transferred in the acquired resource transfer information, corresponding resource cross-border transfer-out processing is carried out according to the resource transfer-out account information, the resource transfer-in account information and the quantity of the resources to be transferred in the confirmation information, and when the processing is successful, resource transfer-out success information is sent to the resource transfer service platform according to the transaction identifier and the branch transaction identifier; the resource transfer service platform sends the information of successful resource transfer-out to a monitoring mechanism; the supervising mechanism acquires first identification information which is stored in a related way according to the transaction identification and the branch transaction identification in the resource transfer-out success information, and sends indication information to a second mechanism corresponding to the first identification information according to the transaction identification and the branch transaction identification in the resource transfer-out success information; and the second mechanism acquires the information stored in association according to the transaction identifier and the branch transaction identifier in the indication information, and performs corresponding resource transfer processing according to the acquired information so as to transfer resources to a corresponding second user.

Thus, when the received request includes a plurality of resource transfer paths, the branch received request is generated to split the one-to-many, many-to-one, many-to-many or other resource transfer patterns into the one-to-one resource transfer patterns, so that not only can the business flow of resource transfer be more unified, but also the branch received request in the one-to-one pattern is processed one by one, and the problems of omission, error transfer and the like caused by excessive resource transfer paths can be avoided.

Furthermore, in consideration that in practical applications, different first users often transfer resources to accounts of different second users in different national borders, in order to ensure that the resource transfer processing process corresponding to the resource transfer request of each first user can be quickly and effectively processed in the corresponding national border on the basis of meeting the rationality, in one or more embodiments of the present specification, second transfer mechanisms and corresponding regulatory mechanisms may be set in different national borders. Specifically, as shown in fig. 5, step S104 may include:

step S104-8, acquiring related first identification information from the association relationship between the preset country information and the first identification information of the transfer mechanism according to the country information of the country where the resource is transferred to the account included in the acceptance request;

and step S104-10, sending an acceptance request to a second transfer mechanism corresponding to the acquired first identification information, so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request.

Therefore, the corresponding second transfer mechanism is determined according to the country of the resource transferred into the account, so that routing arrangement is performed, and an acceptance request is sent to the corresponding second transfer mechanism, so that the second mechanism sends a supervision request to a supervision bureau mechanism which governs the second transfer mechanism, the transfer process of the resource can be supervised by the corresponding supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the rationality and the effectiveness of cross-border resource transfer are ensured; moreover, the resource transfer request can be ensured to be processed quickly in the corresponding national boundary.

In view of the fact that multiple transfer mechanisms may be set in the same country, in order to enable the resource transfer service platform to send the acceptance request to the transfer mechanism corresponding to the resource transfer account, in one or more embodiments of the present specification, the acceptance request further includes first identification information of the transfer mechanism corresponding to the resource transfer account, so that the resource transfer platform sends the acceptance request to the second transfer mechanism corresponding to the first identification information. Specifically, as shown in fig. 6, step S104 may further include:

and step S104-12, acquiring first identification information for identifying the transfer mechanism from the acceptance request, and sending the acceptance request to a second transfer mechanism corresponding to the acquired first identification information, so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request.

Further, in order to ensure the security of resource transfer, in one or more embodiments of the present specification, when the resource transfer service platform receives the acceptance request sent by the first mechanism, the resource transfer service platform further checks resource transfer information included in the acceptance request. Specifically, as shown in fig. 7, step S104 may include the following steps S104-14;

and step S104-14, if the resource transfer information included in the acceptance request is determined to meet the preset first resource transfer condition, sending the acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism which governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request.

Specifically, determining whether the user information of the first user in the resource transfer information is valid, determining whether the number of resources to be transferred in the resource transfer information does not exceed a resource transfer-out threshold corresponding to the resource transfer-out account information, determining whether a resource transfer-out account corresponding to the resource transfer-out account information in the resource transfer information is valid, determining whether a resource transfer-in account corresponding to the resource transfer-in account information in the resource transfer information is valid, and the like; and if the determination result is yes, determining that the resource transfer information meets a preset first resource transfer condition. It should be noted that the verification sequence of each piece of information and the first resource transfer condition can be set by itself in practical applications as needed.

The validity of each information is ensured by checking the resource transfer information, and guarantee can be provided for the effective transfer of the resource.

Further, in order to avoid waiting for a long time due to network reasons, etc., in one or more embodiments of the present disclosure, as shown in fig. 8, step S108 may include the following step S108-2;

and step S108-2, if the resource transfer-out success information sent by the first transfer mechanism is received within the preset time length, the resource transfer-out success information is sent to the monitoring mechanism, so that the monitoring mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes resource cross-border transfer processing corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

Specifically, when the first transfer mechanism receives the confirmation information sent by the resource transfer service platform, the resource transfer information stored in association is inquired according to the transaction identification included in the confirmation information, and the corresponding amount of resources are transferred from the corresponding resource transfer-out account to the appointed intermediate account according to the inquired resource transfer information, so that when the second transfer mechanism receives the indication information sent by the monitoring mechanism, the corresponding amount of resources are transferred from the intermediate account to the resource transfer-in account according to the resource transfer information; when the first transfer mechanism successfully transfers the resources to the intermediate account, sending the successful resource transfer-out information to the resource transfer service platform; further, when the first transfer mechanism fails to transfer the resource to the intermediate account, resource transfer-out failure information is sent to the resource transfer service platform, so that the resource transfer service platform sends the resource transfer failure information to the second transfer mechanism and the corresponding monitoring mechanism respectively. If the resource transfer service platform receives the resource transfer-out success information sent by the first transfer mechanism within the preset time length, the resource transfer service platform determines that the resource cross-border transfer-out processing executed by the first transfer mechanism is successful, and sends the resource transfer-out success information to the supervision mechanism, so that the supervision mechanism sends indication information to the second transfer mechanism. The preset time duration can be set according to needs in practical application, for example, 2 seconds.

In order to make the first transfer mechanism aware of the resource transfer processing result of the second transfer mechanism, as shown in fig. 9, in one or more embodiments of the present specification, step S108 may further include:

step S110, receiving resource transfer result information sent by the second transfer mechanism, and sending the resource transfer result information to the first transfer mechanism;

specifically, when the second transfer mechanism receives the indication information sent by the monitoring mechanism, resource transfer information stored in association is inquired according to the transaction identifier included in the indication information, and a corresponding amount of resources are transferred from the specified intermediate account to the corresponding resource transfer account according to the inquired resource transfer information; when the resource transfer is successful, the resource transfer success information is sent to the second transfer mechanism and the supervision mechanism according to the transaction identifier, and when the resource transfer is failed, the resource transfer failure information is sent to the second transfer mechanism and the supervision mechanism according to the transaction identifier; when the resource transfer service platform receives the resource transfer-in result information sent by the second transfer mechanism, the resource transfer-in result information is sent to the first transfer mechanism corresponding to the inquired second identification information according to the second identification information which is inquired and stored in association with the transaction identification in the resource transfer-in result information.

Further, if the fund transfer is carried out and the resource transfer-in account information in the resource transfer information is bank account information, when the second transfer mechanism receives the indication information sent by the monitoring mechanism, the resource transfer information stored in association is inquired according to the transaction identifier in the indication information, a corresponding amount of fund is transferred from the specified intermediate account to the account of the specified bank mechanism according to the inquired resource transfer information, and a fund transfer request is sent to the corresponding bank mechanism according to the transaction identifier and the resource transfer information, so that the bank mechanism transfers the corresponding amount of fund from the account of the bank mechanism to the fund transfer-in account of the second user according to the resource transfer information; and when receiving the fund transfer-in result information returned by the banking institution, the second transfer institution sends the fund transfer-in result information to the resource transfer service platform, so that the resource transfer service platform sends the fund transfer-in result to the first transfer institution. Or when the second transfer mechanism receives the indication information sent by the monitoring mechanism, the resource transfer information stored in a correlation mode is inquired according to the transaction identifier in the indication information, and a fund transfer request is sent to the corresponding banking mechanism according to the transaction identifier and the resource transfer information, so that the banking mechanism transfers the fund with the corresponding amount from the appointed intermediate account to the fund transfer account of the second user according to the resource transfer information; and when receiving the fund transfer-in result information returned by the banking institution, the second transfer institution sends the fund transfer-in result information to the resource transfer service platform, so that the resource transfer service platform sends the fund transfer-in result to the first transfer institution.

Alternatively, as shown in fig. 10, step S108 may be followed by;

step S112, receiving resource transfer result information sent by the monitoring mechanism, and sending the resource transfer result information to the first transfer mechanism; and the resource transfer-in result information is sent to the monitoring mechanism by the second transfer mechanism.

Specifically, when the second transfer mechanism receives the indication information sent by the monitoring mechanism, resource transfer information stored in association is inquired according to the transaction identifier included in the indication information, and a corresponding amount of resources are transferred from the specified intermediate account to the corresponding resource transfer account according to the inquired resource transfer information; when the resource transfer is successful, sending resource transfer success information to the supervision mechanism according to the transaction identifier, and when the resource transfer is failed, sending resource transfer failure information to the supervision mechanism according to the transaction identifier; when the supervision mechanism receives the resource transfer-in result information sent by the second mechanism, the resource transfer-in result information is sent to the resource transfer service platform; and the resource transfer service platform inquires the third identification information stored in association according to the received transaction identification in the resource transfer result information, and sends the resource transfer result information to the first transfer mechanism corresponding to the inquired third identification information.

Further, when the fund transfer is performed, the corresponding operation process may refer to the foregoing description, and is not described herein again.

On the basis of the same technical concept, corresponding to the resource transfer method described in fig. 2 to fig. 10, one or more embodiments of the present specification further provide another resource transfer method, fig. 11 is a flowchart of another resource transfer method provided in one or more embodiments of the present specification, and the method in fig. 11 can be executed by the regulatory agency in fig. 1; as shown in fig. 11, the method comprises the steps of:

step S202, receiving a supervision request sent by a second transfer mechanism; the supervision request is sent based on an acceptance request sent by the resource transfer service platform; the acceptance request is sent by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by a first transfer mechanism, and the second user is a user served by a second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national borders;

the monitoring request comprises a transaction identifier, resource transfer information and the like, wherein the resource transfer information comprises user information of a first user, resource transfer-out account information, resource transfer-in account information, a first quantity of resources to be transferred and the like; the resource may be an entity resource, such as currency, or may be a virtual resource, such as an integral.

Step S204, if the acceptance request is determined to be approved according to the supervision request, sending confirmation information for approving the acceptance request to the resource transfer service platform, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request;

specifically, if it is determined that the resource transfer information included in the supervision request meets a preset second resource transfer condition, the acceptance request is determined to be approved; and storing the transaction identifier and the like in the supervision request in association with the first identifier information of the second transfer mechanism, and sending confirmation information for approving the acceptance request to the resource transfer service platform according to the transaction identifier, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request. For the process of determining that the resource transfer information conforms to the preset second resource transfer condition, reference may be made to the foregoing process of determining that the resource transfer information conforms to the preset first resource transfer condition, which is not described herein again. It should be noted that the second resource transfer condition may be the same as or different from the first resource transfer condition.

Step S206, if it is determined that the first transfer mechanism successfully executes the resource cross-border transfer-out process, sending an indication message to the second transfer mechanism, so that the second transfer mechanism executes the resource cross-border transfer-in process corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

Specifically, if the resource transfer-out success information sent by the resource transfer service platform is received, it is determined that the resource cross-border transfer-out processing executed by the first transfer mechanism is successful; and inquiring the first identification information stored in association according to the transaction identification in the resource transfer-out success information, and sending indication information to a second transfer mechanism corresponding to the inquired first identification information according to the transaction identification, so that the second transfer mechanism determines the resource transfer information according to the transaction identification in the indication information and executes corresponding resource cross-border transfer processing. And the information of successful resource transfer-out is sent to the resource transfer service platform by the first transfer mechanism.

Further, in order to make the supervising authority aware of the resource transfer processing result of the second authority, in one or more embodiments of the present specification, as shown in fig. 12, step S206 further includes:

step S208, receiving resource transfer result information sent by the second transfer mechanism;

alternatively, as shown in fig. 13, after step S206, the method further includes:

step S210, receiving the resource transfer result information sent by the second transfer mechanism, and sending the resource transfer result information to the resource transfer service platform, so that the resource transfer service platform sends the resource transfer result information to the first transfer mechanism.

It should be noted that, for the specific implementation process of the above steps, reference may be made to the foregoing related description, and repeated details are not described here.

In one or more embodiments of the present specification, when receiving the supervision request sent by the second transfer mechanism, if determining to approve the corresponding acceptance request for resource transfer, the supervision mechanism sends confirmation information for approving the acceptance request to the resource transfer service platform, so as to complete the transfer of the resource. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

On the basis of the same technical concept, corresponding to the resource transfer method described above, another resource transfer method is provided in one or more embodiments of the present specification, fig. 14 is a flowchart of another resource transfer method provided in one or more embodiments of the present specification, and the method in fig. 14 can be executed by the first transfer mechanism in fig. 1; as shown in fig. 14, the method includes the steps of:

step S302, receiving a resource transfer request sent by a first user for transferring resources to a second user; wherein the resource transfer request includes resource transfer information; the first user is a user served by a first transfer mechanism, and the second user is a user served by a second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national borders;

step S304, according to the resource transfer information, sending an acceptance request of resource transfer to the resource transfer service platform, so that the resource transfer service platform sends the acceptance request to the second transfer mechanism, and the second transfer mechanism requests a supervision mechanism which governs the second transfer mechanism to supervise the acceptance request;

step S306, if the confirmation information that the receiving request is approved by the supervisory organization sent by the resource transfer service platform is received, executing the resource cross-border transfer-out processing corresponding to the resource transfer request;

step S308, sending the information of successful resource transfer-out to the resource transfer service platform, so that the resource transfer service platform sends the information of successful resource transfer-out to the monitoring mechanism, and the monitoring mechanism instructs the second transfer mechanism to execute the resource cross-border transfer-in processing corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

In one or more embodiments of the present specification, when receiving a resource transfer request sent by a first user, a first transfer mechanism sends an acceptance request to a resource transfer service platform, so that the resource transfer service platform sends the acceptance request to a second transfer mechanism, and the second transfer mechanism requests a monitoring mechanism that governs the second transfer mechanism to monitor the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

In view of that the first transfer mechanism may receive resource transfer requests sent by multiple users at the same time, in order to distinguish the resource transfer requests and quickly determine corresponding resource transfer information when performing the resource cross-border transfer-out process, in one or more embodiments of the present disclosure, after step S302, the method further includes:

step S303, determining a transaction identifier of the resource transfer request, and storing the transaction identifier and the resource transfer information in a correlation manner;

correspondingly, the executing of the resource cross-border transferring process corresponding to the resource transferring request in step S306 includes: acquiring resource transfer information stored in a relevant manner according to the transaction identifier in the confirmation information; and executing corresponding resource cross-border transfer-out processing according to the acquired resource transfer information.

Further, when the first user needs to transfer resources to multiple second users, or the first user needs to transfer resources to different accounts of the same second user, the resource transfer information may further include resource transfer paths of multiple branch acceptance requests and the number of corresponding resources to be transferred; the resource transfer path comprises resource transfer-in account information and resource transfer-out account information; correspondingly, the executing the corresponding resource cross-border transferring process according to the acquired resource transferring information comprises the following steps:

and if the resource transfer path and the corresponding quantity of the resources to be transferred in the confirmation information are determined to be matched with the resource transfer path and the corresponding quantity of the resources to be transferred of the branch acceptance request in the acquired resource transfer information, executing corresponding resource cross-border transfer-out processing according to the resource transfer path and the quantity of the resources to be transferred in the confirmation information.

In order to make the first user know the resource transfer result, in one or more embodiments of the present specification, after step S308, the method further includes:

step S310, receiving resource transfer result information sent by the resource transfer service platform, and sending the resource transfer result information to the first user according to the resource transfer result information.

Corresponding to the resource transfer method described above, based on the same technical concept, one or more embodiments of the present specification further provide another resource transfer method, fig. 15 is a flowchart of another resource transfer method provided by one or more embodiments of the present specification, and the method in fig. 15 can be executed by the second transfer mechanism in fig. 1; as shown in fig. 15, the method includes the steps of:

step S402, receiving an acceptance request sent by a resource transfer service platform; the received request is sent to a resource transfer service platform by a first transfer mechanism based on a resource transfer request sent by a first user for transferring resources to a second user; the first user is a user served by a first transfer mechanism, and the second user is a user served by a second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national borders;

the resource transfer request comprises resource transfer information, and the acceptance request comprises a transaction identifier, the resource transfer information and the like; the resource transfer information includes: resource transfer-out account information, resource transfer-in account information, the number of resources to be transferred, and the like.

Step S404, according to the acceptance request, sending a supervision request to a supervision mechanism which governs the second transfer mechanism so as to request the supervision mechanism to supervise the acceptance request;

step S406, if the indication information sent by the monitoring mechanism is received, executing a resource cross-border transfer process corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

In one or more embodiments of the present specification, when receiving an acceptance request sent by a resource transfer service platform, a second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism, so as to request the supervision mechanism to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

In order to enable the second migration mechanism to quickly determine corresponding resource migration information when performing the resource cross-border switching process, in one or more embodiments of the present specification, after step S402, the method further includes:

step S403, storing the transaction identifier and the resource transfer information included in the acceptance request in a correlation manner;

correspondingly, the step S406 of executing the resource cross-border switching process corresponding to the resource transfer request includes: acquiring resource transfer information stored in a correlated manner according to the transaction identifier in the indication information; and executing corresponding resource cross-border switching-in processing according to the acquired resource transfer information.

Further, when the first user needs to transfer resources to multiple second users, or the first user needs to transfer resources to different accounts of the same second user, the resource transfer information may further include multiple resource transfer paths and the number of corresponding resources to be transferred; the resource transfer path comprises resource transfer-out account information and resource transfer-in account information. Correspondingly, step S402 includes:

receiving a branch acceptance request sent by a resource transfer service platform; the branch acceptance request is a request generated by the resource transfer platform according to each resource transfer path and the number of corresponding resources to be transferred when the acceptance request is determined to comprise a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information in the acceptance request.

Wherein, the branch acceptance request further includes a branch transaction identifier, and correspondingly, step S403 includes: storing the transaction identifier, the branch transaction identifier and the resource transfer information in the branch acceptance request in an associated manner; in step S406, executing a resource cross-border transfer process corresponding to the resource transfer request, including: acquiring resource transfer information stored in association according to the transaction identifier and the branch transaction identifier in the indication information; and executing corresponding resource cross-border switching-in processing according to the acquired resource transfer information.

In order to make the first transfer mechanism aware of the resource transfer processing result and send the resource transfer result to the first user, in one or more embodiments of the present specification, after step S406, the method further includes:

sending resource transfer result information to a resource transfer service platform and a supervision mechanism so that the resource transfer service platform sends the resource transfer result information to a first transfer mechanism; alternatively, the first and second electrodes may be,

and sending the resource transfer-in result information to the supervision mechanism so that the supervision mechanism sends the resource transfer-in result information to the first transfer mechanism through the resource transfer service platform. When the monitoring mechanism receives the resource transfer result information, the resource transfer result information is sent to the resource transfer service platform, and the resource transfer service platform sends the received resource transfer result information to the first transfer mechanism.

On the basis of the same technical concept, corresponding to the resource transfer method described in fig. 2 to 10, one or more embodiments of the present specification further provide a resource transfer apparatus. Fig. 16 is a schematic diagram illustrating module components of a resource transfer apparatus according to one or more embodiments of the present disclosure, where the apparatus is configured to perform the resource transfer method described in fig. 2 to fig. 10, and as shown in fig. 16, the apparatus includes:

a receiving module 501 that receives a request for accepting resource transfer transmitted by the first transfer means; the acceptance request is sent based on a resource transfer request which is sent by a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a first sending module 502, configured to send the acceptance request to the second transfer authority, so that the second transfer authority sends a supervision request to a supervision authority that governs the second authority, so as to request the supervision authority to supervise the acceptance request;

a second sending module 503, configured to send, if receiving confirmation information that the regulatory agency approves the acceptance request, the confirmation information to the first transfer agency so that the first transfer agency executes a resource cross-border transfer-out process corresponding to the resource transfer request;

a third sending module 504, configured to send a resource transfer-out success message to the monitoring mechanism if it is determined that the first transfer mechanism successfully executes the resource transfer-out processing, so that the monitoring mechanism sends an indication message to the second transfer mechanism, and the second transfer mechanism executes the resource transfer-in processing corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

In the resource transfer device provided in one or more embodiments of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, the acceptance request is sent to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the accepting request includes: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the first sending module 502 determines whether the acceptance request includes a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information;

if yes, generating a plurality of branch acceptance requests according to the plurality of resource transfer paths and the number of the corresponding resources to be transferred; sequentially sending the branch acceptance requests to the second transfer mechanism;

and if not, sending the acceptance request to the second transfer mechanism.

Optionally, the accepting request includes: transferring the resources into country information of the country of the account;

the first sending module 502 obtains associated first identification information from an association relationship between preset country information and first identification information of a transfer mechanism according to the country information; and the number of the first and second groups,

and sending the acceptance request to a second transfer mechanism corresponding to the acquired first identification information.

Optionally, the first sending module obtains first identification information for identifying the transfer mechanism from the acceptance request, and sends the acceptance request to a second transfer mechanism corresponding to the first identification information.

Optionally, the accepting request includes: resource transfer information;

the first sending module 502, if it is determined that the resource transfer information meets a preset first resource transfer condition, sends the acceptance request to the second transfer mechanism.

Optionally, the third sending module 504 determines that the resource cross-border transferring processing executed by the first transferring mechanism is successful if the resource transferring success information sent by the first transferring mechanism is received within a preset time length.

It should be noted that the embodiment of the resource transfer apparatus in this specification and the embodiment of the resource transfer method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding resource transfer method, and repeated details are not described again.

Further, based on the same technical concept, the resource transfer method described in correspondence to fig. 11 to fig. 13 above also provides another resource transfer apparatus, which is applied to a regulatory agency. Fig. 17 is a schematic block diagram of another resource transfer apparatus according to one or more embodiments of the present disclosure, where the apparatus is configured to perform the resource transfer method described in fig. 11 to fig. 13, and as shown in fig. 17, the apparatus includes:

a receiving module 601, which receives a supervision request sent by a second transfer mechanism; the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

an approval module 602, configured to send, if it is determined that the acceptance request is approved according to the supervision request, confirmation information for approving the acceptance request to the resource transfer service platform, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes resource cross-border transfer-out processing corresponding to the resource transfer request;

a sending module 603, configured to send instruction information to the second transfer mechanism if it is determined that the first transfer mechanism successfully executes the resource cross-border transfer-out process, so that the second transfer mechanism executes the resource cross-border transfer-in process corresponding to the resource transfer request to transfer the corresponding resource to the second user.

In the resource transfer device provided in one or more embodiments of the present specification, when receiving the supervision request sent by the second transfer mechanism, if it is determined that the corresponding acceptance request for resource transfer is approved, the resource transfer device sends confirmation information for approving the acceptance request to the resource transfer service platform, so as to complete resource transfer. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the supervision request comprises: resource transfer information;

and the approval module determines to approve the acceptance request if the resource transfer information is determined to meet the preset second resource transfer condition.

Optionally, the sending module 603, if receiving the information of successful resource transfer-out sent by the resource transfer service platform, determines that the resource cross-border transfer-out processing executed by the first transfer mechanism is successful; and the information of successful resource transfer-out is sent to the resource transfer service platform by the first transfer mechanism.

Optionally, the receiving module 601, after sending the indication information to the second transfer mechanism, further receives resource transfer-in result information sent by the second transfer mechanism; alternatively, the first and second electrodes may be,

and receiving resource transfer-in result information sent by the second transfer mechanism, and sending the resource transfer-in result information to the resource transfer service platform so that the resource transfer service platform sends the resource transfer-in result information to the first transfer mechanism.

Further, on the basis of the same technical concept, the resource transfer method described with reference to fig. 14 is applied to the first transfer platform. Fig. 18 is a schematic block diagram of another resource transfer apparatus according to one or more embodiments of the present disclosure, where the apparatus is configured to perform the resource transfer method described in fig. 14, and as shown in fig. 18, the apparatus includes:

a receiving module 701, configured to receive a resource transfer request sent by a first user to transfer a resource to a second user; wherein the resource transfer request includes resource transfer information; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a first sending module 702, configured to send an acceptance request for resource transfer to a resource transfer service platform according to the resource transfer information, so that the resource transfer service platform sends the acceptance request to the second transfer mechanism, and the second transfer mechanism requests a monitoring mechanism that governs the second transfer mechanism to monitor the acceptance request;

a processing module 703, configured to execute a resource cross-border transfer-out process corresponding to the resource transfer request if receiving confirmation information that the regulatory agency approves the acceptance request and is sent by the resource transfer service platform;

a second sending module 704, configured to send a resource transfer-out success message to the resource transfer service platform, so that the resource transfer service platform sends the resource transfer-out success message to the monitoring mechanism, and the monitoring mechanism instructs the second transfer mechanism to execute a resource cross-border transfer process corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

In the resource transfer device provided in one or more embodiments of the present specification, when receiving a resource transfer request sent by a first user, the resource transfer device sends an acceptance request to a resource transfer service platform, so that the resource transfer service platform sends the acceptance request to a second transfer mechanism, and the second transfer mechanism requests a monitoring mechanism that governs the second transfer mechanism to monitor the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the apparatus further comprises: a storage module;

the saving module, after the receiving module 701 receives a resource transfer request for transferring resources to a second user, which is sent by a first user, determines a transaction identifier of the resource transfer request, and stores the transaction identifier and the resource transfer information in an associated manner;

the processing module 703 is configured to obtain the resource transfer information stored in association with the transaction identifier in the confirmation information; and the number of the first and second groups,

and executing corresponding resource cross-border transfer-out processing according to the acquired resource transfer information.

Optionally, the resource transfer information includes: the resource transfer paths of the multiple branch acceptance requests and the corresponding quantity of resources to be transferred;

if the resource transfer path and the number of the corresponding resources to be transferred in the confirmation information are determined to match the resource transfer path and the number of the corresponding resources to be transferred of the branch acceptance request in the resource transfer information, the processing module 703 executes the corresponding resource cross-border transfer-out processing according to the resource transfer path and the number of the resources to be transferred in the confirmation information.

Optionally, the receiving module 701 receives resource transfer-in result information sent by the resource transfer service platform after the second sending module 704 sends the resource transfer-out success information to the resource transfer service platform; and the number of the first and second groups,

and sending resource transfer result information to the first user according to the resource transfer result information.

Further, based on the same technical concept, one or more embodiments of the present specification further provide another resource transfer apparatus, which is applied to a second transfer mechanism, corresponding to the resource transfer method described in fig. 15. Fig. 19 is a schematic block diagram of another resource transfer apparatus according to one or more embodiments of the present disclosure, where the apparatus is configured to perform the resource transfer method described in fig. 15, and as shown in fig. 19, the apparatus includes:

a receiving module 801 that receives an acceptance request sent by the resource transfer service platform; the receiving request is sent to the resource transfer service platform by the first transfer mechanism based on a resource transfer request sent by the first user for transferring the resource to the second user; the first user is a user served by the first transfer agency, and the second user is a user served by the second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a sending module 802, configured to send a supervision request to a supervision entity that governs the second transfer entity according to the acceptance request, so as to request the supervision entity to supervise the acceptance request;

and if receiving the indication information sent by the monitoring mechanism, the processing module 803 executes a resource cross-border transfer process corresponding to the resource transfer request to transfer the corresponding resource to the second user.

In one or more embodiments of the present specification, when receiving an acceptance request sent by a resource transfer service platform, a resource transfer device sends a supervision request to a supervision entity that governs a second transfer entity, so as to request the supervision entity to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the accepting request includes: transaction identification and resource transfer information; the device further comprises: a storage module;

the storage module is configured to store the transaction identifier and the resource transfer information in an associated manner after the receiving module 801 receives an acceptance request sent by a resource transfer service platform;

the processing module 803 obtains the resource transfer information stored in association according to the transaction identifier in the indication information; and the number of the first and second groups,

and executing corresponding resource cross-border transfer processing according to the acquired resource transfer information.

Optionally, the accepting request includes: resource transfer information; the resource transfer information includes: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the receiving module 801 receives a branch acceptance request sent by a resource transfer service platform; the branch acceptance request is a request generated by the resource transfer platform according to each resource transfer path and the corresponding quantity of the resources to be transferred when the acceptance request is determined to comprise a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information.

Optionally, the apparatus further comprises: a sending module;

the sending module, after the processing module 803 executes the resource cross-border transfer processing corresponding to the resource transfer request, sends resource transfer result information to the resource transfer service platform and the monitoring mechanism, so that the resource transfer service platform sends the resource transfer result information to the first transfer mechanism; alternatively, the first and second electrodes may be,

and sending resource transfer-in result information to the supervision mechanism so that the supervision mechanism sends the resource transfer-in result information to the first transfer mechanism through the resource transfer service platform.

Further, on the basis of the same technical concept, one or more embodiments of the present specification further provide a resource transfer system corresponding to the resource transfer method described above. Fig. 20 is a schematic diagram illustrating a component of a resource transfer system according to one or more embodiments of the present disclosure, and as shown in fig. 20, the system includes: a first transfer mechanism 901, a resource transfer service platform 902, a second transfer mechanism 903, and a regulatory agency 904; wherein the first transfer agency 901 and the second transfer agency 903 are in different national borders, and the regulatory agency 904 governs the second transfer agency 903;

the first transfer mechanism 901 receives a resource transfer request for transferring resources to a second user, which is sent by a first user requesting resource transfer, and sends a resource transfer acceptance request to the resource transfer service platform 902 according to the resource transfer request; if the confirmation information sent by the resource transfer service platform 902 is received, executing the resource cross-border transfer-out processing corresponding to the resource transfer request;

the resource transfer service platform 902 receives the acceptance request sent by the first transfer mechanism 901, and sends the acceptance request to the second transfer mechanism 903; if the confirmation information that the regulatory agency 904 approves the acceptance request is received, sending the confirmation information to the first transfer agency 901; if it is determined that the first transfer mechanism 901 successfully executes the resource cross-border transfer-out process, sending a resource transfer-out success message to the supervision mechanism 904;

the second transfer mechanism 903 is configured to receive the acceptance request sent by the resource transfer service platform 902, and send a supervision request to the supervision mechanism 904 according to the acceptance request; and if receiving the indication information sent by the monitoring mechanism 904, executing a resource cross-border transfer process corresponding to the resource transfer request to transfer the corresponding resource to the second user;

the supervision mechanism 904 receives the supervision request sent by the second transfer mechanism 903, and sends confirmation information for approving the acceptance request to the resource transfer service platform 902 if the acceptance request is determined to be approved according to the supervision request; and if receiving the resource transfer-out success information sent by the resource transfer service platform 902, sending the indication information to the second transfer mechanism 903.

In the resource transfer system provided in one or more embodiments of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, a resource transfer service platform sends the acceptance request to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

It should be noted that the embodiment of the resource transfer system in this specification and the embodiment of the resource transfer method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding resource transfer method, and repeated details are not described again.

Further, corresponding to the resource transfer method described above, based on the same technical concept, one or more embodiments of the present specification further provide a resource transfer device, where the device is configured to perform the resource transfer method described above, and fig. 21 is a schematic structural diagram of a resource transfer device provided in one or more embodiments of the present specification.

As shown in fig. 21, the resource transfer device may have a large difference due to different configurations or performances, and may include one or more processors 1001 and a memory 1002, and one or more stored applications or data may be stored in the memory 1002. Memory 1002 may be, among other things, transient storage or persistent storage. The application program stored in memory 1002 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource transfer device. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer-executable instructions in the memory 1002 on the resource transfer device. The resource transfer apparatus may also include one or more power supplies 1003, one or more wired or wireless network interfaces 1004, one or more input-output interfaces 1005, one or more keyboards 1006, etc.

In one particular embodiment, a resource transfer apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource transfer apparatus, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for:

In the resource transfer device provided in one or more embodiments of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, the resource transfer device sends the acceptance request to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism, so as to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the computer-executable instructions, when executed, further comprise: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the sending the acceptance request to the second transfer mechanism includes:

determining whether the acceptance request comprises a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information;

if yes, generating a plurality of branch acceptance requests according to the plurality of resource transfer paths and the number of the corresponding resources to be transferred, and sequentially sending the branch acceptance requests to the second transfer mechanism;

and if not, sending the acceptance request to the second transfer mechanism.

Optionally, the computer-executable instructions, when executed, further comprise: transferring the resources into country information of the country of the account;

the sending the acceptance request to the second transfer mechanism includes:

acquiring related first identification information from the association relationship between preset country information and first identification information of the transfer mechanism according to the country information;

Optionally, the computer-executable instructions, when executed, said sending said acceptance request to said second transfer mechanism comprises:

acquiring first identification information for identifying a transfer mechanism from the acceptance request;

and sending the acceptance request to a second transfer mechanism corresponding to the first identification information.

Optionally, the computer-executable instructions, when executed, further comprise: resource transfer information;

the sending the acceptance request to the second transfer mechanism includes:

and if the resource transfer information is determined to meet a preset first resource transfer condition, sending the acceptance request to the second transfer mechanism.

Optionally, the computer-executable instructions, when executed, said determining that said first transfer mechanism performed said resource cross-border rollout process successfully comprises:

and if the resource transfer-out success information sent by the first transfer mechanism is received within a preset time length, determining that the resource cross-border transfer-out processing executed by the first transfer mechanism is successful.

Optionally, the computer executable instructions, when executed, further comprise, after sending the resource roll-out success information to the regulatory authority:

receiving resource transfer-in result information sent by the second transfer mechanism, and sending the resource transfer-in result information to the first transfer mechanism; alternatively, the first and second electrodes may be,

receiving resource transfer result information sent by the monitoring mechanism, and sending the resource transfer result information to the first transfer mechanism; and the resource transfer-in result information is sent to the supervision mechanism by the second transfer mechanism.

In another particular embodiment, a resource transfer apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource transfer apparatus, and the one or more programs configured for execution by the one or more processors include computer-executable instructions for:

Optionally, the computer executable instructions, when executed, the administrative request comprises: resource transfer information;

the determining to approve the acceptance request according to the supervision request includes:

and if the resource transfer information is determined to meet the preset second resource transfer condition, determining to approve the acceptance request.

if the resource transfer-out success information sent by the resource transfer service platform is received, determining that the resource cross-border transfer-out processing executed by the first transfer mechanism is successful; and the information of successful resource transfer-out is sent to the resource transfer service platform by the first transfer mechanism.

Optionally, the computer-executable instructions, when executed, further comprise, after sending the indication information to the second transfer mechanism:

receiving resource transfer-in result information sent by the second transfer mechanism; alternatively, the first and second electrodes may be,

Optionally, the computer executable instructions, when executed, further comprise, after receiving a resource transfer request sent by a first user to transfer a resource to a second user:

determining a transaction identifier of the resource transfer request, and storing the transaction identifier and the resource transfer information in a correlation manner;

the executing the resource cross-border transferring processing corresponding to the resource transferring request comprises:

acquiring the resource transfer information stored in association according to the transaction identifier in the confirmation information;

Optionally, the resource transfer information comprises, when executed, computer-executable instructions for: the resource transfer paths of the multiple branch acceptance requests and the corresponding quantity of resources to be transferred;

the executing the corresponding resource cross-border transferring processing according to the acquired resource transferring information comprises the following steps:

and if the resource transfer path and the corresponding quantity of the resources to be transferred in the confirmation information are determined to be matched with the resource transfer path and the corresponding quantity of the resources to be transferred of the branch acceptance request in the resource transfer information, executing corresponding resource cross-border transfer-out processing according to the resource transfer path and the quantity of the resources to be transferred in the confirmation information.

Optionally, when executed, the computer-executable instructions, after sending the resource transfer-out success information to the resource transfer service platform, further include:

receiving resource transfer result information sent by the resource transfer service platform;

In the resource transfer device provided in one or more embodiments of the present specification, when receiving an acceptance request sent by the resource transfer service platform, the resource transfer device sends a supervision request to a supervision entity that governs the second transfer entity, so as to request the supervision entity to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the computer-executable instructions, when executed, further comprise: transaction identification and resource transfer information;

after receiving the acceptance request sent by the resource transfer service platform, the method further includes:

storing the transaction identification and the resource transfer information in a correlated manner;

the executing the resource cross-border transfer processing corresponding to the resource transfer request comprises:

acquiring resource transfer information stored in a correlated manner according to the transaction identifier in the indication information;

Optionally, the computer-executable instructions, when executed, further comprise: resource transfer information; the resource transfer information includes: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the receiving of the acceptance request sent by the resource transfer service platform includes:

receiving a branch acceptance request sent by a resource transfer service platform; the branch acceptance request is a request generated by the resource transfer platform according to each resource transfer path and the corresponding quantity of the resources to be transferred when the acceptance request is determined to comprise a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information.

Optionally, when executed, the executing the resource cross-border transfer processing corresponding to the resource transfer request further includes:

sending resource transfer result information to the resource transfer service platform and the supervision mechanism so that the resource transfer service platform sends the resource transfer result information to the first transfer mechanism; alternatively, the first and second electrodes may be,

Further, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and when the storage medium stores the computer-executable instructions, the following process can be implemented:

When executed by a processor, the computer-executable instructions stored in the storage medium provided by one or more embodiments of the present specification, when receiving an acceptance request for resource transfer sent by a first transfer mechanism, send the acceptance request to a second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that governs the second transfer mechanism to request the supervision mechanism to supervise the acceptance request; therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the acceptance request to include: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the sending the acceptance request to the second transfer mechanism includes:

and if not, sending the acceptance request to the second transfer mechanism.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the acceptance request to include: transferring the resources into country information of the country of the account;

the sending the acceptance request to the second transfer mechanism includes:

Optionally, the computer-executable instructions stored on the storage medium, when executed by the processor, send the acceptance request to the second transfer mechanism, comprising:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the acceptance request to include: resource transfer information;

the sending the acceptance request to the second transfer mechanism includes:

Optionally, the storage medium stores computer-executable instructions that, when executed by a processor, said determining that said first transfer mechanism performed said resource cross-border rollout process successfully comprises:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after sending the resource roll-out success information to the regulatory authority:

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and the storage medium stores computer executable instructions that, when executed by the processor, implement the following process:

When the computer-executable instructions stored in the storage medium provided by one or more embodiments of the present specification are executed by a processor, and when a supervision request sent by a second transfer mechanism is received, if it is determined that a corresponding acceptance request for resource transfer is approved, confirmation information for approving the acceptance request is sent to a resource transfer service platform, so as to complete resource transfer. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, the administrative request includes: resource transfer information;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after sending the indication information to the second transfer mechanism:

When executed by a processor and receiving a resource transfer request sent by a first user, computer-executable instructions stored in a storage medium provided by one or more embodiments of the present specification cause a resource transfer service platform to send an acceptance request to a second transfer mechanism and cause the second transfer mechanism to request a supervising mechanism governing the second transfer mechanism to supervise the acceptance request by sending the acceptance request to the resource transfer service platform. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, after receiving a resource transfer request sent by a first user to transfer a resource to a second user:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the resource transfer information to include: the resource transfer paths of the multiple branch acceptance requests and the corresponding quantity of resources to be transferred;

Optionally, the computer-executable instructions stored in the storage medium, when executed by the processor, further include, after sending the resource transfer-out success information to the resource transfer service platform:

When executed by a processor and receiving an acceptance request sent by a resource transfer service platform, computer-executable instructions stored in a storage medium provided by one or more embodiments of the present specification send a supervision request to a supervision agency governing a second transfer agency to request the supervision agency to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the transfer process of the resource is supervised by the supervision mechanism, the risk of illegal operation on the resource is effectively avoided, and the reasonability and effectiveness of cross-border resource transfer are ensured.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the acceptance request to include: transaction identification and resource transfer information;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the acceptance request to include: resource transfer information; the resource transfer information includes: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

Optionally, when executed by a processor, the computer-executable instructions stored in the storage medium, after performing the cross-border transfer processing on the resource corresponding to the resource transfer request, further include:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the resource transfer method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding resource transfer method, and repeated details are not described again.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 th century, improvements in Hardware (for example, improvements in Circuit structures such as diodes, transistors and switches) and software (for improvement in method flow) can be clearly distinguished for a technical improvement, however, as technology develops, many of the improvements in method flow today can be regarded as direct improvements in Hardware Circuit structures, designers almost obtain corresponding Hardware Circuit structures by Programming the improved method flow into Hardware circuits, and therefore, it cannot be said that an improvement in method flow cannot be realized by Hardware entity modules, for example, Programmable logic devices (Programmable logic devices L) integrated devices P L D (for example, Field Programmable Gate Arrays (FPGAs) are integrated circuits whose logic functions are determined by user Programming of devices), and integrated circuits "integrated" on a digital system P L D by self Programming of designers without requiring many kinds of integrated circuits manufactured and manufactured by special purpose chips are written in Hardware programs such as Hardware programs vhwang L, software programs, Hardware programs, software programs, Hardware programs, software programs, Hardware programs, software, Hardware programs, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware, software, Hardware.

A controller may be implemented in any suitable manner, e.g., in the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers (PLC's) and embedded microcontrollers, examples of which include, but are not limited to, microcontrollers 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicone L abs C8051F320, which may also be implemented as part of the control logic of a memory.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A resource transfer method is applied to a resource transfer service platform and comprises the following steps:

2. The method of claim 1, the accepting a request comprising: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the sending the acceptance request to the second transfer mechanism includes:

and if not, sending the acceptance request to the second transfer mechanism.

3. The method of claim 1, the accepting a request comprising: transferring the resources into country information of the country of the account;

the sending the acceptance request to the second transfer mechanism includes:

4. The method of claim 1, the sending the acceptance request to the second transfer mechanism, comprising:

5. The method of claim 1, the accepting a request comprising: resource transfer information;

the sending the acceptance request to the second transfer mechanism includes:

6. The method of claim 1, the determining that the first transfer mechanism performed the resource cross-border roll-out process successfully, comprising:

7. The method of any of claims 1-6, further comprising, after sending resource roll-out success information to the regulatory authority:

8. A resource transfer method is applied to a supervision agency and comprises the following steps:

9. The method of claim 8, the administrative request comprising: resource transfer information;

10. The method of claim 8, the determining that the first transfer mechanism performed the resource cross-border roll-out process successfully comprising:

11. The method of any of claims 8-10, further comprising, after sending the indication to the second transfer mechanism:

12. A resource transfer method is applied to a first transfer mechanism and comprises the following steps:

13. The method of claim 12, after receiving a resource transfer request sent by a first user to transfer resources to a second user, further comprising:

14. The method of claim 13, the resource transfer information comprising: the resource transfer paths of the multiple branch acceptance requests and the corresponding quantity of resources to be transferred;

15. The method according to any one of claims 12 to 14, after sending the resource transfer-out success information to the resource transfer service platform, further comprising:

16. A resource transfer method is applied to a second transfer mechanism and comprises the following steps:

17. The method of claim 16, the accepting a request comprising: transaction identification and resource transfer information;

18. The method of claim 16, the accepting a request comprising: resource transfer information; the resource transfer information includes: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

19. The method according to any one of claims 16-18, after performing the resource cross-border transfer processing corresponding to the resource transfer request, further comprising:

20. A resource transfer device is applied to a resource transfer service platform and comprises:

21. The apparatus of claim 20, the accept request comprising: the resource transferring account information, the resource transferring account information and the quantity of the resources to be transferred;

the first sending module is used for determining whether the acceptance request comprises a plurality of resource transfer paths according to the resource transfer-out account information and the resource transfer-in account information;

and if not, sending the acceptance request to the second transfer mechanism.

22. The apparatus of claim 20, the accept request comprising: transferring the resources into country information of the country of the account;

the first sending module is used for acquiring associated first identification information from the association relationship between preset country information and first identification information of the transfer mechanism according to the country information; and the number of the first and second groups,

23. The apparatus as set forth in claim 20, wherein,

the first sending module acquires first identification information from the acceptance request and sends the acceptance request to a second transfer mechanism corresponding to the first identification information.

24. A resource transfer device applied to a supervision mechanism comprises:

the receiving module receives the supervision request sent by the second transfer mechanism; the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a resource transfer request which is sent by a first transfer mechanism based on a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

a first sending module, configured to send, if it is determined that the acceptance request is approved according to the supervision request, confirmation information that the acceptance request is approved to the resource transfer service platform, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes a resource cross-border transfer-out process corresponding to the resource transfer request;

and the second sending module is used for sending indication information to the second transfer mechanism if the first transfer mechanism is determined to successfully execute the resource cross-border transfer-out processing, so that the second transfer mechanism executes the resource cross-border transfer-in processing corresponding to the resource transfer request, and transfers the corresponding resource to the second user.

25. A resource transfer device is applied to a first transfer mechanism and comprises:

26. A resource transfer device is applied to a second transfer mechanism and comprises:

27. A resource transfer system, comprising: the system comprises a first transfer mechanism, a resource transfer service platform, a second transfer mechanism and a supervision mechanism; wherein the first transfer agency and the second transfer agency are in different national borders, and the regulatory agency governs the second transfer agency;

28. A resource transfer apparatus comprising:

a processor; and the number of the first and second groups,

29. A resource transfer apparatus comprising:

a processor; and the number of the first and second groups,

receiving a supervision request sent by a second transfer mechanism; the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a resource transfer request which is sent by a first transfer mechanism based on a first user requesting resource transfer and used for transferring resources to a second user; the first user is a user served by the first transfer agency, and the second user is a user served by a second transfer agency; the first transfer mechanism and the second transfer mechanism are in different national borders;

30. A resource transfer apparatus comprising:

a processor; and the number of the first and second groups,

31. A resource transfer apparatus comprising:

a processor; and the number of the first and second groups,

32. A storage medium storing computer-executable instructions that when executed implement the following:

33. A storage medium storing computer-executable instructions that when executed implement the following:

34. A storage medium storing computer-executable instructions that when executed implement the following:

35. A storage medium storing computer-executable instructions that when executed implement the following: