CN111402035B

CN111402035B - Resource transfer method, device, equipment and system

Info

Publication number: CN111402035B
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: 2023-12-01
Anticipated expiration: 2040-03-20
Also published as: CN111402035A

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 request for accepting the resource transfer sent by the first transfer mechanism, and sends the request for accepting the resource transfer to the second transfer mechanism so that the second transfer mechanism sends a supervision request to a supervision mechanism which manages the second mechanism; wherein the first transfer mechanism and the second transfer mechanism are in different national environments; if the resource transfer service platform receives the confirmation information of the approval acceptance request of the supervision organization, the confirmation information is sent to the first transfer organization so that the first transfer organization executes the cross-border transfer-out processing of the resource; if the cross-border transfer-out processing of the resource is successful, the resource transfer-out success information is sent to the supervision mechanism, so that the supervision mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes the cross-border transfer-out processing of the resource to transfer the corresponding resource to the second user.

Description

Resource transfer method, device, equipment and system

Technical Field

The present document 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 continued development of economic levels, cross-border money transfer has become a requirement for people, both in life and at work. For example, a child in country a reminds from his account in country a to a parent in country B, and a headquarter in country a in a cross-country enterprise dials from his account in country a to a branch account in country B, etc. However, in the current cross-border money transfer process, funds are generally transferred directly between financial institutions, and in this process, the funds transfer information is not disclosed, and the funds transfer process is not transparent, so that there is a risk of illegal operation.

Disclosure of Invention

The purpose of one or more embodiments of the present disclosure is to provide a method, an apparatus, a device, and a system for transferring resources, so that in a cross-border resource transfer process, a supervision mechanism is used to supervise the resource transfer process, thereby avoiding the risk of illegal operation of the resources and ensuring the rationality and effectiveness of the cross-border resource transfer.

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

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

Receiving a request for accepting resource transfer sent by a first transfer mechanism; wherein the acceptance request is sent based on a resource transfer request sent by a first user requesting resource transfer to a second user transferring resources; the first user is a user served by the 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 environments;

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

if the confirmation information of the acceptance request approved by the supervision organization is received, the confirmation information is sent to the first transfer organization so that the first transfer organization executes the resource cross-border transfer-out processing corresponding to the resource transfer request;

if the first transfer mechanism executes the cross-resource transfer-out processing successfully, the method sends 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 cross-resource transfer-in processing corresponding to the resource transfer request, so as to transfer in corresponding resources 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; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user to transfer resources to a second user; the first user is a user served by the 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 environments;

if the acceptance request is confirmed 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 executes the resource cross-border transfer-out processing successfully, sending indication information to the second transfer mechanism so that the second transfer mechanism executes the resource cross-border transfer-out 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 to transfer 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 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 environments;

according to the resource transfer information, sending a request for accepting resource transfer to a resource transfer service platform, so that the resource transfer service platform sends the request for accepting to the second transfer mechanism, and the second transfer mechanism requests a supervision mechanism for supervising the request for accepting by the second transfer mechanism;

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

and sending the resource transfer success information to the resource transfer service platform so that the resource transfer service platform sends the resource transfer success information to the supervision mechanism, and the supervision mechanism instructs the second transfer mechanism to execute the 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 method applied to a second transfer mechanism, including:

receiving an acceptance request sent by a resource transfer service platform; the acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

according to the acceptance request, sending a supervision request to a supervision authority which manages the second transfer authority so as to request the supervision authority to supervise the acceptance request;

and if the indication information sent by the supervision mechanism is received, executing the cross-border transfer processing of the resources corresponding to the resource transfer request so as to transfer the corresponding resources to the second user.

One or more embodiments of the present disclosure provide a resource transfer device, which is applied to a resource transfer service platform, including:

a receiving module that receives a request for accepting resource transfer transmitted by the first transfer mechanism; wherein the acceptance request is sent based on a resource transfer request sent by a first user requesting resource transfer to a second user transferring resources; the first user is a user served by the 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 environments;

A first sending module that sends the acceptance request to the second transfer mechanism to cause the second transfer mechanism to send a supervision request to a supervision mechanism that administrates the second mechanism to request the supervision mechanism to supervise the acceptance request;

a second transmitting module configured to transmit, when receiving acknowledgement information that the regulatory agency approves the acceptance request, the acknowledgement 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;

and the third sending module is used for sending resource transfer success information to the supervision mechanism if the first transfer mechanism executes the resource cross-border transfer processing successfully, so that the supervision mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes the resource cross-border transfer processing corresponding to the resource transfer request so as to transfer corresponding resources to the second user.

One or more embodiments of the present specification provide a resource transfer device, for use in a regulatory agency, comprising:

a receiving module that receives the supervision request sent by the second transfer mechanism; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user to transfer resources to a second user; the first user is a user served by the 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 environments;

The approval module is used for sending confirmation information for approving the acceptance request to the resource transfer service platform if the acceptance request is confirmed to be approved according to the supervision request, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes the 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 processing, so that the second transfer mechanism executes the resource cross-border transfer 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 device applied to a first transfer mechanism, including:

the receiving module is used for receiving a resource transfer request which is sent by the first user and used for transferring resources to the second user; wherein the resource transfer request includes resource transfer information; the first user is a user served by the 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 environments;

The first sending module is used for sending a request for accepting resource transfer to a resource transfer service platform according to the resource transfer information, so that the resource transfer service platform sends the request for accepting to the second transfer mechanism, and the second transfer mechanism requests a supervision mechanism of the second transfer mechanism to supervise the request for accepting;

the processing module is used for executing the cross-resource transfer-out processing corresponding to the resource transfer request if receiving the confirmation information of the acceptance request approved by the supervision organization sent by the resource transfer service platform;

the second sending module sends the resource transfer success information to the resource transfer service platform so that the resource transfer service platform sends the resource transfer success information to the supervision mechanism, and the supervision mechanism instructs the second transfer mechanism to execute the 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 device 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 acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

A sending module that sends a supervision request to a supervision authority that administrates the second transfer authority according to the acceptance request, to request the supervision authority to supervise the acceptance request;

and the processing module is used for executing the cross-border transfer processing of the resources corresponding to the resource transfer request if the indication information sent by the supervision mechanism is received so as to transfer the corresponding resources to the second user.

One or more embodiments of the present specification provide 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 mechanism and the second transfer mechanism are in different national environments, and the supervision mechanism manages the second transfer mechanism;

the first transfer mechanism receives a resource transfer request sent by a first user requesting resource transfer and used for transferring resources to a second user, and sends a request for accepting resource transfer 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 the 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 the confirmation information of the acceptance request approved by the supervision organization is received, the confirmation information is sent to the first transfer organization; if the first transfer mechanism is determined to execute the cross-border resource transfer-out processing successfully, resource transfer-out success information is sent 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 the indication information sent by the supervision mechanism is received, executing the resource cross-border transfer processing corresponding to the resource transfer request to transfer the corresponding resource to the second user;

the supervision mechanism receives the supervision request sent by the second transfer mechanism, and if the approval of the acceptance request is determined according to the supervision request, the supervision mechanism sends confirmation information for approving the acceptance request to the resource transfer service platform; and if the resource transfer success information sent by the resource transfer service platform is received, sending the indication information to the second transfer mechanism.

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

a processor; the method comprises the steps of,

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

a processor; the method comprises the steps of,

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

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

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are necessary for the description of the embodiments or of the prior art will be briefly described, it being apparent that the drawings in the description that follow are only some of the embodiments described in the description, from which, for a person skilled in the art, other drawings can be obtained without inventive faculty.

FIG. 1 is a schematic diagram of a first scenario 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 provided in one or more embodiments of the present disclosure;

FIG. 3 is a first flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

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

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

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

FIG. 7 is a fifth flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 8 is a sixth flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 9 is a seventh flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 10 is a schematic diagram illustrating an eighth process for transferring resources according to one or more embodiments of the present disclosure;

FIG. 11 is a flowchart illustrating a method of transferring resources according to one or more embodiments of the present disclosure;

FIG. 12 is a tenth flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 13 is a flowchart illustrating an eleventh method for transferring resources according to one or more embodiments of the present disclosure;

FIG. 14 is a twelfth flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 15 is a thirteenth flow diagram of a resource transfer method according to one or more embodiments of the present disclosure;

FIG. 16 is a schematic diagram illustrating a first module configuration of a resource transfer device according to one or more embodiments of the present disclosure;

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

FIG. 20 is a schematic diagram illustrating the composition of a resource transfer system provided in one or more embodiments of the present disclosure;

Fig. 21 is a schematic structural diagram of a resource transferring device according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive faculty, are intended to be within the scope of the present disclosure.

Fig. 1 is an application scenario schematic diagram of a resource transfer method according to one or more embodiments of the present disclosure, where, 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, etc. (only the mobile phone is shown in fig. 1); the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments.

Specifically, a terminal device of a first user responds to a resource transfer operation of transferring resources from the first user to a second user, and sends a resource transfer request to a first transfer mechanism; the first transfer mechanism sends a request for accepting resource transfer to a 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 manages the second transfer mechanism according to the resource transfer information included in the acceptance request; if the supervision organization confirms the approval to accept the request according to the supervision request, the confirmation information of the resource transfer is sent to the resource transfer service platform; the resource transfer service platform sends the received confirmation information to a first transfer mechanism; after receiving the confirmation information sent by the resource transfer service platform, the first transfer mechanism executes the resource cross-border transfer-out processing corresponding to the corresponding resource transfer request, and after the processing is successful, sends the resource transfer-out success information to the resource transfer service platform; the resource transfer service platform sends the received information of successful resource transfer to the supervision organization; when the supervision mechanism receives the resource transfer-out success information, the supervision mechanism sends indication information to the second transfer mechanism; when the second transfer mechanism receives the indication information sent by the supervision mechanism, executing the cross-border transfer processing of the resources corresponding to the resource transfer request so as to transfer the corresponding resources to the second user, and when the transfer processing is successful, sending the resource transfer result information to the supervision mechanism; the supervision mechanism transmits the resource transfer result information to the resource transfer service platform; the resource transfer service platform sends the received resource transfer result information to a first transfer mechanism; and when the first transfer mechanism receives the resource transfer result information, the resource transfer result information is sent 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 can send the resource transfer result information to the first transfer mechanism. The resources may be physical resources such as currency, or virtual resources such as integration.

Further, when funds are transferred, if the account information of the transfer of the resources 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 supervision mechanism, a transfer request is sent to the corresponding bank mechanism according to the indication information; and the banking mechanism executes corresponding resource cross-border transfer processing according to the received transfer request so as to transfer the corresponding resource to the second user and send resource transfer result information to the second mechanism.

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

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

step S102, receiving a request for accepting resource transfer sent by a first transfer mechanism; wherein the acceptance request is sent based on a resource transfer request sent by a first user requesting resource transfer to a second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

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 other countries, the first user operates terminal equipment of the first user to send a resource transfer request to a first transfer mechanism in the same country; 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 correlated manner, and sending a request for accepting the resource transfer to a 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 account information, the number 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 integration.

Step S104, sending an acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism which manages 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 identification and the resource transfer information included in the acceptance request are stored in an associated mode, and according to the transaction identification and the resource transfer information included in the acceptance request, the supervision request is sent to the supervision mechanism of the second transfer mechanism, so that when the supervision mechanism determines to approve the acceptance request according to the supervision request, the first identification information of the second transfer mechanism is stored in an associated mode with the transaction identification and the like in the supervision request, and according to the transaction identification, the confirmation information for approving the acceptance request is sent to the resource transfer service platform. The request to be accepted in step S104 may be the same as or different from the request to be accepted in step S102.

Step S106, if receiving the confirmation information of the approval acceptance request of the supervision organization, the confirmation information is sent to the first transfer organization so that the first transfer organization executes the resource cross-border transfer-out processing corresponding to the resource transfer request;

specifically, if the confirmation information of the approval of the request by the supervision agency is received, the second identification information stored in association is acquired according to the transaction identification in the confirmation information, and the confirmation information is sent to the first transfer agency corresponding to the acquired second identification information. When the first transfer mechanism receives the confirmation information, the resource transfer information stored in association is acquired according to the transaction identifier included in the confirmation information, and corresponding resource cross-border transfer processing is executed according to the acquired resource transfer information.

Step S108, if the first transfer mechanism executes the cross-border transfer processing successfully, the resource transfer success information is sent to the supervision mechanism, so that the supervision mechanism sends indication information to the second transfer mechanism, and the second transfer mechanism executes the cross-border transfer processing of the resource corresponding to the resource transfer request, so as to transfer the corresponding resource to the second user.

The resource transfer-out success information comprises a transaction identifier; when the supervision mechanism receives the resource transfer-out success information, acquiring first identification information stored in association according to a transaction identifier 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 identifier and the like; the second transfer mechanism acquires the associated and stored resource transfer information 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 corresponding resources to the second user.

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

It is contemplated that in practice, a user may have a need to transfer resources from one resource transfer-out account to multiple resources 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, etc. Based on this, as shown in fig. 4, in one or more embodiments of the present disclosure, step S104 includes:

step S104-2, determining whether the acceptance request comprises a plurality of resource transfer paths according to the resource transfer account information and the resource transfer account information included in the acceptance request, if yes, 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 corresponding quantity of resources to be transferred, and sequentially sending the branch acceptance requests to the second transfer mechanism, so that the second transfer mechanism sequentially sends supervision requests to a supervision mechanism which manages the second transfer mechanism, and the supervision mechanism is required to supervise the branch acceptance requests;

specifically, the branch transaction identification of the branch transaction corresponding to each resource transfer path is sequentially determined, a branch acceptance request is generated according to the branch transaction identification, the transaction identification in the acceptance request, the corresponding resource transfer path and the number of resources to be transferred, and the branch acceptance request is sent to the second transfer mechanism, so that the second transfer mechanism sequentially sends a supervision request to a supervision mechanism which manages the second transfer mechanism, and the supervision mechanism is requested to supervise the branch acceptance request.

Step S104-6, sending an acceptance request to the second transfer organization, so that the second transfer organization sends a supervision request to a supervision organization which administrates the second transfer organization, and the supervision organization is required to supervise the acceptance request.

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

Further, when the second transfer mechanism receives the branch acceptance request, the resources in the branch acceptance request are saved in an associated mode such as account information of transfer of resources, the quantity of resources to be transferred, transaction identification, branch transaction identification and the like, and according to the saved information, a supervision request is sent to a supervision mechanism which manages the second transfer mechanism; when the supervision organization confirms and approves the branch acceptance request according to the supervision request, the first identification information of the second transfer organization is stored in association with transaction identifications, branch transaction identifications and the like included in the supervision request, and confirmation information for approving the branch acceptance request is sent to the resource transfer service platform according to the resource transfer account information, the number of resources to be transferred, the transaction identifications and the branch transaction identifications included in the supervision request; the resource transfer service platform sends the received confirmation information to a first transfer mechanism; the first transfer mechanism acquires the associated and stored resource transfer information according to the transaction identification in the confirmation information, if the resource transfer path and the corresponding quantity of resources to be transferred in the confirmation information are determined to be matched with the acquired resource transfer path and the corresponding quantity of the resources to be transferred in the resource transfer information, corresponding resource cross-border transfer processing is carried out according to the resource transfer account information, the resource transfer account information and the quantity of the resources to be transferred in the confirmation information, and when the processing is successful, resource transfer success information is sent to the resource transfer service platform according to the transaction identification and the branch transaction identification; the resource transfer service platform sends the successful information of resource transfer to the supervision organization; the supervision mechanism acquires first identification information stored in a correlated manner according to the transaction identification and the branch transaction identification in the resource transfer 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 success information; the second mechanism acquires the information stored in association according to the transaction identification and the branch transaction identification in the indication information, and performs corresponding resource transfer processing according to the acquired information so as to transfer resources to the corresponding second user.

Therefore, when the acceptance request comprises a plurality of resource transfer paths, the branch acceptance request is generated to split the one-to-many, many-to-one or many-to-many resource transfer modes into one-to-one resource transfer modes, so that the business flow of resource transfer can be more uniform, and the branch acceptance requests in the one-to-one mode are processed one by one, thereby avoiding the problems of omission, error transfer and the like caused by excessive resource transfer paths.

Further, considering that in practical application, different first users often transfer resources to accounts of different second users in different national environments, in order to ensure that a resource transfer processing process corresponding to a resource transfer request of each first user can be processed quickly and effectively in a corresponding country on the basis of conforming to rationality, in one or more embodiments of the present disclosure, a second transfer mechanism and a corresponding supervision mechanism may also be set in different national environments. Specifically, as shown in fig. 5, step S104 may include:

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

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 of the second transfer mechanism in jurisdiction to request the supervision mechanism to supervise the acceptance request.

Therefore, a corresponding second transfer mechanism is determined according to the country where the resource is transferred into the account, so that the pooling arrangement is carried out, and a receiving request is sent to the corresponding second transfer mechanism, so that the second mechanism sends a supervision request to a supervision authority which manages the second transfer mechanism, the transfer process of the resource can be supervised through the corresponding supervision mechanism, the risk of illegal operation of 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 environment.

In one or more embodiments of the present disclosure, in order to enable the resource transfer service platform to send the acceptance request to the transfer mechanism corresponding to the resource transfer account, 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:

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 of the second transfer mechanism in jurisdiction 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 disclosure, when the resource transfer service platform receives the acceptance request sent by the first organization, the resource transfer service platform further verifies the resource transfer information included in the acceptance request. Specifically, as shown in FIG. 7, step S104 may include the following steps S104-14;

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

Specifically, determining whether user information of a first user in the resource transfer information is effective, 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 effective, determining whether a resource transfer-in account corresponding to the resource transfer-in account information in the resource transfer information is effective, and the like; if the determination results are yes, determining that the resource transfer information accords with a preset first resource transfer condition. It should be noted that, the verification sequence of each information and the first resource transfer condition can be set according to the needs in practical application.

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

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

step S108-2, if the resource transfer-out success information sent by the first transfer mechanism is received within the preset time, the resource transfer-out success information is sent 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 to transfer in corresponding resources to the second user.

Specifically, when the first transfer mechanism receives the confirmation information sent by the resource transfer service platform, inquiring the related stored resource transfer information according to the transaction identifier included in the confirmation information, and transferring the corresponding quantity of resources from the corresponding resource transfer account to the designated intermediate account according to the inquired resource transfer information, so that when the second transfer mechanism receives the indication information sent by the supervision mechanism, transferring the corresponding quantity of resources from the intermediate account to the resource transfer account according to the resource transfer information; when the first transfer mechanism successfully transfers the resources to the intermediate account, the resource transfer success information is sent to the resource transfer service platform; further, when the first transfer mechanism fails to transfer the resource to the intermediate account, the resource transfer failure information is sent to the resource transfer service platform, so that the resource transfer service platform respectively sends the resource transfer failure information to the second transfer mechanism and the corresponding supervision mechanism. If the resource transfer service platform receives the resource transfer-out success information sent by the first transfer mechanism within the preset time, the resource transfer-out success information is sent to the supervision mechanism, so that the supervision mechanism sends indication information to the second transfer mechanism. The preset time length can be set according to the 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 disclosure, step S108 may further include:

step S110, receiving the 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 supervision mechanism, inquiring the associated and stored resource transfer information according to the transaction identification included in the indication information, and transferring the corresponding quantity of resources from the designated 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 identification, 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 identification; when the resource transfer service platform receives the resource transfer result information sent by the second transfer mechanism, inquiring the second identification information stored in association according to the transaction identification in the resource transfer result information, and sending the resource transfer result information to the first transfer mechanism corresponding to the inquired second identification information.

Further, if funds are transferred and the account information of the transfer of resources in the resource transfer information is bank account information, when the second transfer mechanism receives the indication information sent by the supervision mechanism, inquiring the associated stored resource transfer information according to the transaction identification in the indication information, transferring a corresponding amount of funds from the appointed middle account to the account of the appointed bank mechanism according to the inquired resource transfer information, and sending a funds transfer request to the corresponding bank mechanism according to the transaction identification and the resource transfer information, so that the bank mechanism transfers a corresponding amount of funds from the account of the bank mechanism to the account of the second user according to the resource transfer information; and when receiving the funds transfer result information returned by the banking institution, the second transferring institution sends the funds transfer result information to the resource transfer service platform so that the resource transfer service platform sends the funds transfer result to the first transferring institution. Or when the second transfer mechanism receives the indication information sent by the supervision mechanism, inquiring the associated and stored resource transfer information according to the transaction identification in the indication information, and sending a fund transfer request to the corresponding banking mechanism according to the transaction identification and the resource transfer information, so that the banking mechanism transfers the fund of the corresponding quantity from the appointed intermediate account to the fund transfer account of the second user according to the resource transfer information; and when receiving the funds transfer result information returned by the banking institution, the second transferring institution sends the funds transfer result information to the resource transfer service platform so that the resource transfer service platform sends the funds transfer result to the first transferring institution.

Alternatively, as shown in fig. 10, step S108 may be further included;

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

Specifically, when the second transfer mechanism receives the indication information sent by the supervision mechanism, inquiring the associated and stored resource transfer information according to the transaction identification included in the indication information, and transferring the corresponding quantity of resources from the designated intermediate account to the corresponding resource transfer account according to the inquired resource transfer information; and when the resource transfer is successful, sending resource transfer success information to the supervision mechanism according to the transaction identification, and when the resource transfer is failed, sending resource transfer failure information to the supervision mechanism according to the transaction identification; when the supervision mechanism receives the resource transfer result information sent by the second mechanism, the supervision mechanism sends the resource transfer result information to the resource transfer service platform; and the resource transfer service platform queries third identification information stored in association with the transaction identification in the received resource transfer result information and sends the resource transfer result information to a first transfer mechanism corresponding to the queried third identification information.

Further, when funds transfer is performed, the corresponding operation may be referred to the foregoing description, and will not be repeated here.

Corresponding to the resource transfer method described in fig. 2 to 10, based on the same technical concept, one or more embodiments of the present disclosure further provide another resource transfer method, and fig. 11 is a schematic flow diagram of another resource transfer method provided in one or more embodiments of the present disclosure, where the method in fig. 11 can be performed by the regulatory body in fig. 1; as shown in fig. 11, the method includes the steps of:

step S202, receiving a supervision request sent by a second transfer mechanism; wherein, the supervision request is sent based on the 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

The supervision request comprises transaction identification, resource transfer information and the like, wherein the resource transfer information comprises user information of a first user, resource transfer account information, first quantity of resources to be transferred and the like; the resources may be physical resources such as currency, or virtual resources such as integration.

Step S204, if the approval acceptance request is determined according to the supervision request, the confirmation information of the approval acceptance request is sent 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 the resource cross-border transfer-out processing corresponding to the resource transfer request;

specifically, if the resource transfer information included in the supervision request is determined to be in accordance with a preset second resource transfer condition, the approval acceptance request is determined; and storing transaction identification and the like in the supervision request and first identification information of the second transfer mechanism in an associated manner, and sending confirmation information for approving the acceptance request to the resource transfer service platform according to the transaction identification, 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. The process of determining that the resource transfer information meets the preset second resource transfer condition can refer to the process of determining that the resource transfer information meets the preset first resource transfer condition, which is not described herein. 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 the first transfer mechanism executes the resource cross-border transfer-out processing successfully, the instruction information is sent to the second transfer mechanism, so that the second transfer mechanism executes the resource cross-border transfer-out processing corresponding to the resource transfer request, and the corresponding resource is transferred to the second user.

Specifically, if the resource transfer-out success information sent by the resource transfer service platform is received, the first transfer mechanism is determined to execute the resource cross-border transfer-out processing successfully; inquiring the first identification information stored in association according to the transaction identification in the resource transfer success information, sending the 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 executing corresponding resource cross-border transfer processing. And the resource transfer success information is sent to the resource transfer service platform by the first transfer mechanism.

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

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

Alternatively, as shown in fig. 13, step S206 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, the specific implementation process of each step may refer to the foregoing related description, and the repetition is not repeated here.

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

Corresponding to the above described resource transfer method, based on the same technical concept, one or more embodiments of the present disclosure further provide another resource transfer method, and fig. 14 is a schematic flow chart of another resource transfer method provided by one or more embodiments of the present disclosure, where the method in fig. 14 can be performed by the first transfer mechanism in fig. 1; as shown in fig. 14, the method includes the steps of:

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

step S304, according to the resource transfer information, a request for accepting the resource transfer is sent to the resource transfer service platform, so that the resource transfer service platform sends the request for accepting to the second transfer mechanism, and the second transfer mechanism requests a supervision mechanism governing the second transfer mechanism to supervise the request for accepting;

step S306, if receiving the confirmation information of the acceptance request approved by the supervision organization sent by the resource transfer service platform, executing the resource cross-border transfer processing corresponding to the resource transfer request;

step S308, the resource transfer success information is sent to the resource transfer service platform, so that the resource transfer service platform sends the resource transfer success information to the supervision mechanism, and the supervision mechanism instructs the second transfer mechanism to execute the resource cross-border transfer 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 disclosure, when a first transfer organization receives a resource transfer request sent by a first user, the first transfer organization 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 organization, and the second transfer organization requests a supervision organization that manages the second transfer organization to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the resource transfer process is supervised by the supervision mechanism, so that the risk of illegal operation of the resource is effectively avoided, and the reasonability and effectiveness of the cross-border resource transfer are ensured.

In consideration of that the first forwarding mechanism may receive the resource transfer requests sent by multiple users at the same time, in order to distinguish each resource transfer request and enable quick determination of corresponding resource transfer information when performing the resource cross-border forwarding 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 an associated manner;

correspondingly, in step S306, a resource cross-border roll-out process corresponding to the resource transfer request is executed, including: acquiring associated and stored resource transfer information according to the transaction identification 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 a plurality of second users, or when the first user needs to transfer resources to different accounts of the same second user, the resource transfer information may further include a plurality of resource transfer paths for branching acceptance requests and the corresponding quantity of 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 transfer-out processing according to the acquired resource transfer information comprises the following steps:

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 of the branch acceptance request and the corresponding quantity of the resources to be transferred 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 aware of the resource transfer result, in one or more embodiments of the present disclosure, step S308 further includes:

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

Corresponding to the above described resource transfer method, based on the same technical concept, one or more embodiments of the present disclosure further provide another resource transfer method, and fig. 15 is a schematic flow chart of another resource transfer method provided by one or more embodiments of the present disclosure, where the method in fig. 15 can be performed 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 acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

wherein 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 account information, the number of resources to be transferred, and the like.

Step S404, according to the acceptance request, a supervision request is sent to a supervision organization of the second transfer organization to request the supervision organization to supervise the acceptance request;

step S406, if the indication information sent by the supervision organization is received, executing the resource cross-border transfer processing corresponding to the resource transfer request to transfer the corresponding resource to the second user.

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

In order to enable the second transfer mechanism to quickly determine the corresponding resource transfer information when executing the resource cross-border transfer process, in one or more embodiments of the present disclosure, step S402 further includes:

step S403, the transaction identification and the resource transfer information included in the acceptance request are stored in a correlated manner;

correspondingly, in step S406, executing the resource cross-border transfer process corresponding to the resource transfer request includes: acquiring associated stored resource transfer information according to the transaction identification in the indication information; and executing corresponding cross-resource transfer processing according to the acquired resource transfer information.

Further, when the first user needs to transfer resources to a plurality of second users, or when the first user needs to transfer resources to different accounts of the same second user, the resource transfer information may further include a plurality of resource transfer paths and corresponding amounts of 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 the resource transfer account information and the resource transfer account information in the acceptance request and according to each resource transfer path and the corresponding number of resources to be transferred when the acceptance request is determined to comprise a plurality of resource transfer paths.

The branch acceptance request further includes a branch transaction identifier, and accordingly, 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 the resource cross-border transfer process corresponding to the resource transfer request includes: acquiring the resource transfer information stored in an associated way according to the transaction identifier and the branch transaction identifier in the indication information; and executing corresponding cross-resource transfer processing according to the acquired resource transfer information.

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

transmitting resource transfer result information to a resource transfer service platform and a supervision mechanism, so that the resource transfer service platform transmits the resource transfer result information to a first transfer mechanism; or,

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

Corresponding to the resource transfer method described in fig. 2 to 10, one or more embodiments of the present disclosure further provide a resource transfer device based on the same technical concept. Fig. 16 is a schematic block diagram of a resource transfer device according to one or more embodiments of the present disclosure, where the device is configured to perform the resource transfer method described in fig. 2 to 10, and as shown in fig. 16, the device includes:

a receiving module 501 that receives a request for accepting resource transfer transmitted by a first transfer mechanism; wherein the acceptance request is sent based on a resource transfer request sent by a first user requesting resource transfer to a second user transferring resources; the first user is a user served by the 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 environments;

A first sending module 502 that sends the acceptance request to the second transfer organization, so that the second transfer organization sends a supervision request to a supervision organization that administrates the second organization, to request the supervision organization to supervise the acceptance request;

a second transmitting module 503 configured to transmit, when receiving the acknowledgement information that the regulatory agency approves the acceptance request, the acknowledgement 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;

and a third sending module 504, configured to send resource transfer success information to the regulatory agency if it is determined that the first transfer agency performs the resource cross-border transfer processing successfully, so that the regulatory agency sends instruction information to the second transfer agency, and the second transfer agency performs the resource cross-border transfer processing corresponding to the resource transfer request to transfer the corresponding resource to the second user.

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

Optionally, the accepting the request includes: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources 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 account information and the resource transfer account information;

if yes, generating a plurality of branch acceptance requests according to the plurality of resource transfer paths and the corresponding quantity of the 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 the request includes: transferring the resource into country information of the country where the account is located;

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; the method comprises the steps of,

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 transferring mechanism from the acceptance request, and sends the acceptance request to a second transferring mechanism corresponding to the first identification information.

Optionally, the accepting the request includes: resource transfer information;

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

Optionally, the third sending module 504 determines that the first transfer mechanism executes the cross-resource transfer-out process successfully if the resource transfer-out success information sent by the first transfer mechanism is received within a preset duration.

It should be noted that, in the present specification, the embodiments related to the resource transfer device and the embodiments related to the resource transfer method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the corresponding resource transfer method, and the repetition is not repeated.

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

a receiving module 601, which receives the supervision request sent by the second transfer mechanism; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user to transfer resources to a second user; the first user is a user served by the 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 environments;

an approval module 602, configured to, if it is determined that the acceptance request is approved according to the supervision request, send acknowledgement information for approving the acceptance request to the resource transfer service platform, so that the resource transfer service platform sends the acknowledgement 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 a sending module 603, configured to send, if it is determined that the execution of the resource cross-border transfer processing by the first transfer mechanism is successful, instruction information to the second transfer mechanism, so that the second transfer mechanism executes resource cross-border transfer processing corresponding to the resource transfer request, so as to transfer a corresponding resource to the second user.

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

Optionally, the supervision request includes: resource transfer information;

and the approval module is used for confirming approval of the acceptance request if the resource transfer information is confirmed to accord with a preset second resource transfer condition.

Optionally, the sending module 603 determines that the first transfer mechanism executes the cross-resource transfer-out process successfully if the resource transfer-out success information sent by the resource transfer service platform is received; and the resource transfer success information is sent to the resource transfer service platform by the first transfer mechanism.

Optionally, the receiving module 601 further receives resource transfer result information sent by the second transferring mechanism after sending the indication information to the second transferring mechanism; or,

and 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.

Further, according to the resource transferring method described in fig. 14, based on the same technical concept, one or more embodiments of the present disclosure further provide another resource transferring device, which is applied to the first transferring platform. FIG. 18 is a schematic block diagram of another resource transfer device according to one or more embodiments of the present disclosure, where the device is configured to perform the resource transfer method described in FIG. 14, and as shown in FIG. 18, the device includes:

a receiving module 701, which receives 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 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 environments;

a first sending module 702, configured to send, according to the resource transfer information, a request for accepting a resource transfer to a resource transfer service platform, so that the resource transfer service platform sends the request for accepting to the second transfer organization, and the second transfer organization requests a regulatory agency administering the second transfer organization to regulate the request for accepting;

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

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

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

Optionally, the apparatus further comprises: a storage module;

the storage module is configured to determine a transaction identifier of the resource transfer request, and store the transaction identifier and the resource transfer information in association after the receiving module 701 receives a resource transfer request sent by a first user to transfer resources to a second user;

the processing module 703 obtains the resource transfer information stored in association according to the transaction identifier in the confirmation information; the method comprises the steps of,

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

Optionally, the resource transfer information includes: a plurality of branches accept the requested resource transfer paths and the corresponding quantity of resources to be transferred;

the processing module 703, if determining that the number of the resource transfer paths and the corresponding resources to be transferred in the acknowledgement information matches the number of the resource transfer paths and the corresponding resources to be transferred of the branch acceptance request in the resource transfer information, executes corresponding resource cross-border transfer processing according to the number of the resource transfer paths and the corresponding resources to be transferred in the acknowledgement information.

Optionally, the receiving module 701 receives the resource transfer result information sent by the resource transfer service platform after the second sending module 704 sends the resource transfer success information to the resource transfer service platform; the method comprises the steps of,

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

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

A receiving module 801 that receives an acceptance request sent by the resource transfer service platform; the acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments;

a transmitting module 802 that transmits a supervision request to a supervision authority that manages the second transfer authority, according to the acceptance request, to request the supervision authority to supervise the acceptance request;

and a processing module 803, configured to execute a cross-border transfer process of the resource corresponding to the resource transfer request to transfer the corresponding resource to the second user if the instruction information sent by the supervision mechanism is received.

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

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

the storage module is configured to store the transaction identifier and the resource transfer information in association 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; the method comprises the steps of,

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

Optionally, the accepting the request includes: resource transfer information; the resource transfer information includes: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources 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; and when the branch acceptance request is determined that the acceptance request comprises a plurality of resource transfer paths according to the resource transfer account information and the resource transfer account information, the request is generated according to each resource transfer path and the corresponding number of resources to be transferred.

Optionally, the apparatus further comprises: a transmitting module;

the sending module sends resource transfer result information to the resource transfer service platform and the supervision mechanism after the processing module 803 executes the resource cross-border transfer processing corresponding to the resource transfer request, so that the resource transfer service platform sends the resource transfer result information to the first transfer mechanism; or,

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

Further, corresponding to the above described resource transfer method, one or more embodiments of the present disclosure further provide a resource transfer system based on the same technical concept. FIG. 20 is a schematic diagram illustrating the components of a resource transfer system according to one or more embodiments of the present disclosure, as shown in FIG. 20, the system comprising: a first transfer mechanism 901, a resource transfer service platform 902, a second transfer mechanism 903, and a regulatory mechanism 904; wherein the first transfer mechanism 901 and the second transfer mechanism 903 are in different countries, and the regulatory mechanism 904 governs the second transfer mechanism 903;

the first transferring mechanism 901 receives a resource transferring request sent by a first user requesting resource transferring and used for transferring resources to a second user, and sends a receiving request of resource transferring to the resource transferring service platform 902 according to the resource transferring request; and 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 transmitted from the first transfer mechanism 901 and transmits the acceptance request to the second transfer mechanism 903; if receiving confirmation information that the regulatory agency 904 approves the acceptance request, transmitting the confirmation information to the first transfer agency 901; and if it is determined that the first transfer mechanism 901 performs the cross-resource transfer-out process successfully, sending resource transfer-out success information to the supervisory mechanism 904;

The second transferring mechanism 903 receives the acceptance request sent by the resource transferring service platform 902, and sends a supervision request to the supervision mechanism 904 according to the acceptance request; and if the indication information sent by the supervision organization 904 is received, executing the resource cross-border transfer processing corresponding to the resource transfer request to transfer the corresponding resource to the second user;

the supervisory authority 904 receives the supervisory request sent by the second transfer authority 903, and if it is determined that the acceptance request is approved according to the supervisory request, sends confirmation information for approving the acceptance request to the resource transfer service platform 902; and if the resource transfer success information sent by the resource transfer service platform 902 is received, sending the instruction information to the second transfer mechanism 903.

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

It should be noted that, in the present specification, the embodiments related to the resource transfer system and the embodiments related to the resource transfer method in the present specification are based on the same inventive concept, so the specific implementation of the embodiments may refer to the implementation of the corresponding resource transfer method, and the repetition is omitted.

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

As shown in fig. 21, the resource transfer device may have a relatively large difference due to different configurations or performances, and may include one or more processors 1001 and a memory 1002, where the memory 1002 may store one or more storage applications or data. Wherein the memory 1002 may be transient storage or persistent storage. The application programs stored in the memory 1002 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions in the resource transfer device. Still further, the processor 1001 may be configured to communicate with the memory 1002 and execute a series of computer executable instructions in the memory 1002 on the resource transfer device. The resource transfer device 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, and the like.

In a particular embodiment, a resource transfer device 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 device, and configured for execution by one or more processors, the one or more programs comprising computer-executable instructions for:

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 corresponding quantity of the 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.

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

acquiring associated first identification information from an association relation between preset country information and first identification information of a transfer mechanism according to the country information;

Optionally, the sending the acceptance request to the second transfer mechanism when the computer executable instructions are executed includes:

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 accepting the request includes: resource transfer information;

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

and if the resource transfer information meets the preset first resource transfer condition, sending the acceptance request to the second transfer mechanism.

Optionally, the computer-executable instructions, when executed, determine that the first transfer mechanism successfully performs the resource cross-border roll-out process, comprising:

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

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

Receiving resource transfer result information sent by the second transfer mechanism, and sending the resource transfer result information to the first transfer mechanism; or,

receiving resource transfer result information sent by the supervision 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 device 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 device, and configured for execution by one or more processors, the one or more programs comprising computer-executable instructions for:

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

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

the determining to approve the acceptance request according to the supervision request comprises the following steps:

and if the resource transfer information is determined to be in accordance with a preset second resource transfer condition, determining to approve the acceptance request.

if the resource transfer success information sent by the resource transfer service platform is received, determining that the first transfer mechanism executes the resource cross-border transfer processing successfully; and the resource transfer success information 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 result information sent by the second transfer mechanism; or,

The resource transfer device provided in one or more embodiments of the present disclosure, when receiving a resource transfer request sent by a first user, 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 organization, and the second transfer organization requests a regulatory organization that manages the second transfer organization to regulate the acceptance request. Therefore, in the cross-border resource transfer process, the resource transfer process is supervised by the supervision mechanism, so that the risk of illegal operation of the resource is effectively avoided, and the reasonability and effectiveness of the cross-border resource transfer are ensured.

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

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

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

acquiring the associated and stored resource transfer information according to the transaction identification in the confirmation information;

Optionally, the computer executable instructions, when executed, include: a plurality of branches accept the requested resource transfer paths and the corresponding quantity of resources to be transferred;

and executing corresponding resource cross-border transfer-out processing according to the acquired resource transfer information, wherein the processing comprises the following steps:

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

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

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

Optionally, the accepting the request includes: transaction identification and resource transfer information;

after receiving the acceptance request sent by the resource transfer service platform, the method further comprises the following steps:

the transaction identification and the resource transfer information are stored in an associated mode;

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

acquiring associated and stored resource transfer information according to the transaction identification in the indication information;

the receiving the acceptance request sent by the resource transfer service platform comprises the following steps:

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

Optionally, when the computer executable instructions are executed, after the executing the resource cross-border transfer processing corresponding to the resource transfer request, the method further includes:

transmitting resource transfer result information to the resource transfer service platform and the supervision mechanism so that the resource transfer service platform transmits the resource transfer result information to the first transfer mechanism; or,

It should be noted that, in the present specification, the embodiment about the resource transfer device and the embodiment about the resource transfer method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding resource transfer method, and the repetition is not repeated.

Further, in response to the above-described resource transfer method, based on the same technical concept, one or more embodiments of the present disclosure further provide a storage medium, which is used to store computer executable instructions, and in a specific embodiment, the storage medium may be a U disc, an optical disc, a hard disk, or the like, where the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:

The storage medium storing computer-executable instructions provided by one or more embodiments of the present disclosure, when executed by a processor, cause a second transfer organization to send a regulatory request to a regulatory agency administering the second transfer organization to request the regulatory agency to regulate the accepted request by sending the accepted request to the second transfer organization upon receiving the accepted request for resource transfer sent by the first transfer organization; therefore, in the cross-border resource transfer process, the resource transfer process is supervised by the supervision mechanism, so that the risk of illegal operation of the resource is effectively avoided, and the reasonability and effectiveness of the cross-border resource transfer are ensured.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, accept a request comprising: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources 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, accept a request comprising: transferring the resource into country information of the country where the account is located;

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, accept a request comprising: resource transfer information;

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, determine that the first transfer mechanism successfully performs the resource cross-border transfer-out process, including:

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

In another specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, where the computer executable instructions stored in the storage medium when executed by the processor implement the following procedures:

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

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

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

One or more embodiments of the present disclosure provide for a storage medium storing computer-executable instructions that, when executed by a processor, upon receiving a resource transfer request sent by a first user, cause a resource transfer service platform to send the request to a second transfer organization by sending the request to the resource transfer service platform, and cause the second transfer organization to request a regulatory agency that governs the second transfer organization to regulate the request to be accepted. Therefore, in the cross-border resource transfer process, the resource transfer process is supervised by the supervision mechanism, so that the risk of illegal operation of the resource is effectively avoided, and the reasonability and effectiveness of the cross-border resource transfer are ensured.

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

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, include: a plurality of branches accept the requested resource transfer paths and the corresponding quantity of resources to be transferred;

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

One or more embodiments of the present disclosure provide for the storage medium storing computer-executable instructions that, when executed by the processor, when receiving an acceptance request sent by the resource transfer service platform, send a supervisory request to a supervisory authority that administers the second transfer authority to request the supervisory authority to supervise the acceptance request. Therefore, in the cross-border resource transfer process, the resource transfer process is supervised by the supervision mechanism, so that the risk of illegal operation of the resource is effectively avoided, and the reasonability and effectiveness of the cross-border resource transfer are ensured.

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, accept a request comprising: transaction identification and resource transfer information;

Optionally, the storage medium stores computer executable instructions that, when executed by the processor, accept a request comprising: resource transfer information; the resource transfer information includes: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources and the quantity of the resources to be transferred;

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

It should be noted that, in the present specification, the embodiment about the storage medium and the embodiment about the resource transfer method in the present specification are based on the same inventive concept, so the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding resource transfer method, and the repetition is not repeated.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take 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 (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, 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 functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant 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 present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

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 storage media for a computer 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, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" 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 specification 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.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

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

The acceptance request is sent to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism which manages the second transfer mechanism, the supervision mechanism is requested to supervise the acceptance request, the acceptance request received from the first transfer mechanism is the same as or different from the acceptance request sent to the second transfer mechanism, and the resource transfer service platform is connected with one or more second transfer mechanisms;

2. The method of claim 1, the accepting a request comprising: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources 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 resource into country information of the country where the account is located;

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 transfer-out process was successful comprising:

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

8. A resource transfer method, applied to a regulatory agency, comprising:

receiving a supervision request sent by a second transfer mechanism; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user to transfer resources to a second user; the first user is a user served by the 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 environments, the acceptance request received from the first transfer mechanism is the same or different from the acceptance request sent by the resource transfer service platform, and the resource transfer service platform is connected with one or more second transfer mechanisms;

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

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

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

12. A resource transfer method applied to a first transfer mechanism, comprising:

according to the resource transfer information, sending a request for accepting the resource transfer to a resource transfer service platform, so that the resource transfer service platform sends the request for accepting to the second transfer mechanism, the second transfer mechanism requests a supervision mechanism for supervising the request for accepting by the second transfer mechanism, the request for accepting sent to the resource transfer service platform is the same as or different from the request for accepting sent to the second transfer mechanism by the resource transfer service platform, and the resource transfer service platform is connected with one or more second transfer mechanisms;

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

14. The method of claim 13, the resource transfer information comprising: a plurality of branches accept the requested resource transfer paths and the corresponding quantity of resources to be transferred;

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

16. A resource transfer method applied to a second transfer mechanism, comprising:

receiving an acceptance request sent by a resource transfer service platform; the acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments, the acceptance request sent to the resource transfer service platform by the first transfer mechanism is the same or different from the acceptance request received from the resource transfer service platform by the second transfer mechanism, and the resource transfer service platform is connected with one or more second transfer mechanisms;

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 method comprises the steps of transferring out account information of resources, transferring in account information of the resources and the quantity of the resources to be transferred;

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

20. A resource transfer device, applied to a resource transfer service platform, comprising:

A first sending module that sends the acceptance request to the second transfer mechanism, so that the second transfer mechanism sends a supervision request to a supervision mechanism that manages the second transfer mechanism, the supervision mechanism is requested to supervise the acceptance request, the acceptance request received from the first transfer mechanism and the acceptance request sent to the second transfer mechanism are the same or different, and the resource transfer service platform is connected to one or more second transfer mechanisms;

21. The apparatus of claim 20, the accepting a request comprising: the method comprises the steps of transferring out account information of resources, transferring in account information of the resources and the quantity of the resources to be transferred;

the first sending module determines whether the acceptance request comprises a plurality of resource transfer paths according to the resource transfer account information and the resource transfer account information;

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

22. The apparatus of claim 20, the accepting a request comprising: transferring the resource into country information of the country where the account is located;

the first sending module obtains associated first identification information from an association relation between preset country information and first identification information of a transfer mechanism according to the country information; the method comprises the steps of,

23. An apparatus according to claim 20,

the first sending module obtains 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 for use in a regulatory agency, comprising:

a receiving module that receives the supervision request sent by the second transfer mechanism; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user requesting resource transfer to a second user; the first user is a user served by the 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 environments, the acceptance request received from the first transfer mechanism is the same or different from the acceptance request sent by the resource transfer service platform, and the resource transfer service platform is connected with one or more second transfer mechanisms;

the first sending module is used for sending confirmation information for approving the acceptance request to the resource transfer service platform if the approval of the acceptance request is determined according to the supervision request, so that the resource transfer service platform sends the confirmation information to the first transfer mechanism, and the first transfer mechanism executes the resource cross-border transfer-out processing 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 processing, so that the second transfer mechanism executes the resource cross-border transfer processing corresponding to the resource transfer request to transfer corresponding resources to the second user.

25. A resource transfer device for use with a first transfer mechanism, comprising:

the first sending module sends a request for accepting resource transfer to a resource transfer service platform according to the resource transfer information, so that the resource transfer service platform sends the request for accepting to the second transfer mechanism, the second transfer mechanism requests a supervision mechanism for supervising the request for accepting, the request for accepting sent to the resource transfer service platform is the same as or different from the request for accepting sent to the second transfer mechanism by the resource transfer service platform, and the resource transfer service platform is connected with one or more second transfer mechanisms;

26. A resource transfer device for use with a second transfer mechanism, comprising:

the receiving module is used for receiving an acceptance request sent by the resource transfer service platform; the acceptance 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 to transfer resources to the second user; the first user is a user served by the first transfer mechanism, and the second user is a user served by the second transfer mechanism; the first transfer mechanism and the second transfer mechanism are in different national environments, the acceptance request sent to the resource transfer service platform by the first transfer mechanism is the same or different from the acceptance request received from the resource transfer service platform by the second transfer mechanism, and the resource transfer service platform is connected with one or more second transfer mechanisms;

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 mechanism and the second transfer mechanism are in different national environments, and the supervision mechanism manages the second transfer mechanism;

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 the confirmation information of the acceptance request approved by the supervision organization is received, the confirmation information is sent to the first transfer organization; if the first transfer mechanism executes the cross-border transfer-out processing successfully, resource transfer-out success information is sent to the supervision mechanism, the acceptance request received from the first transfer mechanism is the same as or different from the acceptance request sent to the second transfer mechanism, and the resource transfer service platform is connected with one or more second transfer mechanisms;

28. A resource transfer device, comprising:

a processor; the method comprises the steps of,

29. A resource transfer device, comprising:

a processor; the method comprises the steps of,

receiving a supervision request sent by a second transfer mechanism; wherein, the supervision request is sent based on an acceptance request sent by a resource transfer service platform; the acceptance request is sent by a first transfer mechanism based on a resource transfer request sent by a first user requesting resource transfer to a second user; the first user is a user served by the 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 environments, the acceptance request received from the first transfer mechanism is the same or different from the acceptance request sent by the resource transfer service platform, and the resource transfer service platform is connected with one or more second transfer mechanisms;

30. A resource transfer device, comprising:

a processor; the method comprises the steps of,

receiving a resource transfer request sent by a first user to transfer 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 environments;

31. A resource transfer device, comprising:

a processor; the method comprises the steps of,

receiving an acceptance request sent by a resource transfer service platform; the acceptance 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 to transfer resources to the second user; the first user is a user served by the 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 environments, the acceptance request sent to the resource transfer service platform by the first transfer mechanism is the same or different from the acceptance request received from the resource transfer service platform by the second transfer mechanism, and the resource transfer service platform is connected with one or more second transfer mechanisms;

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: