CN111709733B

CN111709733B - Resource transfer method, device and equipment

Info

Publication number: CN111709733B
Application number: CN202010496581.8A
Authority: CN
Inventors: 曹承春; 盛希冬; 李思斯
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-06-03
Filing date: 2020-06-03
Publication date: 2022-04-29
Anticipated expiration: 2040-06-03
Also published as: WO2021244537A1; CN111709733A

Abstract

The embodiment of the specification discloses a resource transfer method, a resource transfer device and resource transfer equipment. The scheme comprises the following steps: determining a first resource quantity smaller than or equal to the target resource quantity according to the resource transfer information of the resource expenditure account; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource management device requesting the resource expenditure account transfers the resource of the first resource amount from the resource expenditure account to a target account.

Description

Resource transfer method, device and equipment

Technical Field

The present application relates to the field of electronic payment technologies, and in particular, to a resource transfer method, apparatus, and device.

Background

With the rapid development of network technologies, more and more users adapt and accept electronic payment methods.

In the prior art, one type of electronic payment method can be called a protocol payment method. In general, in this approach, the payee may enter into an agreement with the payer, after which the electronic payment is made in accordance with the terms agreed upon by the agreement. For example, the user may enter into an agreement with the payment platform to pay monthly mobile phone charges or video platform membership charges. When the terms of agreement are met, the paymate may transfer the amount of money agreed upon from the user's financial account to the payee's financial account without the need for the user to actively act.

However, when the amount of funds in the fund account of the payer is small and is not enough to pay the amount of money agreed by the agreement, how to deal with the funds is an urgent technical problem to be solved.

Disclosure of Invention

The embodiment of the specification provides a resource transfer method, a resource transfer device and resource transfer equipment, which are used for solving the problem of resource transfer of a payer account under the condition that resources in the payer account are insufficient.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

an embodiment of the present specification provides a resource transfer method, including:

acquiring resource transfer information of a resource expenditure account; the resource expenditure account is a signed resource expenditure account in a resource transfer protocol;

determining a first resource quantity smaller than or equal to a target resource quantity based on the resource transfer-in information; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is a signed resource receiving account in the resource transfer protocol;

and sending a resource transfer request to the resource management equipment of the resource expenditure account, wherein the resource transfer request is used for requesting to transfer the resource of the first resource quantity from the resource expenditure account to a target account.

An embodiment of the present disclosure provides a method for sending a resource withholding request, including:

the user equipment of the resource receiving account sends a resource withholding request to a server of the payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the resource transfer method.

An embodiment of the present specification provides a method for generating a resource expenditure record, including:

the method comprises the steps that user equipment of a resource expenditure account obtains resource expenditure information; the resource expenditure information is used for representing a first resource amount of the resources which are paid out by the resource expenditure account based on the resource transfer method;

generating a resource expenditure record based on the resource expenditure information; the resource expenditure record comprises the first resource quantity and the service information related to the resource expenditure information.

An embodiment of the present specification provides a resource transfer apparatus, including:

the first acquisition module is used for acquiring resource transfer information of the resource expenditure account; the resource expenditure account is a signed resource expenditure account in a resource transfer protocol;

a first determining module, configured to determine, based on the resource transfer-in information, a first resource quantity that is less than or equal to a target resource quantity; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is a signed resource receiving account in the resource transfer protocol;

a first sending module, configured to send a resource transfer request to a resource management device of the resource expenditure account, where the resource transfer request is used to request that the resource of the first resource amount is transferred from the resource expenditure account to a target account.

An apparatus for sending a resource deduction request provided in an embodiment of the present specification, applied to a user equipment of a resource receiving account, includes:

the first sending module is used for sending a resource withholding request to a server of the payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the resource transfer method.

An apparatus for generating a resource expenditure record provided in an embodiment of this specification, applied to a user equipment of a resource expenditure account, includes:

the acquisition module is used for acquiring resource expenditure information; the resource expenditure information is used for representing a first resource amount of the resources which are paid out by the resource expenditure account based on the resource transfer method;

a resource expenditure record generating module, configured to generate a resource expenditure record based on the resource expenditure information; the resource expenditure record comprises the first resource quantity and the service information related to the resource expenditure information.

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

An apparatus for sending a resource withholding request provided in an embodiment of the present specification includes:

at least one processor; and the number of the first and second groups,

sending a resource withholding request to a server of the payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the resource transfer method.

An apparatus for generating a resource expenditure record provided by an embodiment of the present specification includes:

at least one processor; and the number of the first and second groups,

acquiring resource expenditure information; the resource expenditure information is used for representing a first resource quantity of the resources which are expended by the resource expenditure account based on the resource transfer method;

generating a resource expenditure record based on the resource expenditure information; the resource expenditure record comprises the first resource quantity and the service information related to the resource expenditure information

The embodiment in the specification can achieve the following beneficial effects:

the method comprises the steps of determining a first resource quantity which is possibly less than or equal to the total quantity of resources to be deducted (namely target resource quantity) currently in a resource expenditure account according to resource transfer information of the resource expenditure account, and requesting resource management equipment of the resource expenditure account to transfer the resources of the first resource quantity from the resource expenditure account to the target account, so that deduction can be carried out without resources which are more than or equal to the target resource quantity in the resource expenditure account. The method can reduce the times of the server of the payment platform trying to deduct the payment from the resource expenditure account, is beneficial to saving the resources consumed by the server of the payment platform when executing the payment deduction operation, and also can improve the deduction success rate of the resources of the server of the payment platform deducting the target resource quantity from the resource expenditure account.

Drawings

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

Fig. 1 is a schematic overall scheme flow diagram of a resource transfer method provided in an embodiment of the present specification;

fig. 2 is a schematic flowchart of a resource transfer method provided in an embodiment of the present disclosure;

fig. 3a is a schematic diagram of a scenario for generating a resource transfer protocol according to an embodiment of the present specification;

fig. 3b is a schematic diagram of another scenario for generating a resource transfer protocol according to an embodiment of the present disclosure;

fig. 4 is a flowchart illustrating a method for sending a resource withholding request according to an embodiment of the present disclosure;

FIG. 5 is a schematic application interface diagram of a user device for receiving an account for a resource according to an embodiment of the present specification;

FIG. 6 is a schematic diagram of an application interface of a user device of a resource expenditure account provided in an embodiment of the present specification;

FIG. 7 is a flow diagram illustrating a method for generating a resource expenditure record according to an embodiment of the present disclosure;

FIG. 8 is a flow chart illustrating a resource transfer scheme involving multiple parties according to an embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of a resource transfer device corresponding to the method in fig. 2 according to an embodiment of the present disclosure;

fig. 10 is a schematic structural diagram of a device for sending a resource deduction request corresponding to the method in fig. 4 according to an embodiment of the present disclosure;

FIG. 11 is a block diagram of an apparatus for generating a resource expenditure record corresponding to the method of FIG. 7 according to an embodiment of the present disclosure;

fig. 12 is a schematic structural diagram of a resource transfer device, a resource withholding request sending device, or a resource expenditure record generating device provided in an embodiment of the present specification.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the scope of protection of one or more embodiments of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

In the prior art, a user can sign an agreement with a payment platform so as to conveniently pay by adopting an agreement payment mode, and the payment is convenient and quick. However, when the amount of funds in the user's fund account is small and is not enough to pay the total amount agreed by the agreement, the server of the payment platform usually tries to deduct the amount from the user's fund account at a high frequency, so that when the user's account funds reach the total amount agreed by the agreement due to transfer of funds into the fund, the total amount agreed by the agreement is deducted from the user's fund account in time, thereby completing the operation of deducting the amount from the agreement. According to the resource transfer method, the server of the payment platform needs to repeatedly execute the money deduction operation according to higher frequency until the money deduction is successful, so that the resource waste of the server of the payment platform is very serious.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

the payer and payee may enter into a resource transfer agreement at the paymate. After the server of the payment platform receives the resource withholding request which is initiated by the payee and corresponds to the resource transfer protocol, the server of the payment platform can carry out single or multiple withholding operations on the resource expenditure account of the payer according to the resource transfer information of the resource expenditure account of the payer so as to enable the accumulated deducted resource amount to reach the transferred resource amount (namely the target resource amount) indicated by the resource transfer protocol, and therefore protocol withholding can be completed under the condition that the resource amount in the account of the payer is less than the resource amount indicated by the target resource amount.

Fig. 1 is a schematic overall scheme flow diagram of a resource transfer method provided in an embodiment of the present specification. As shown in fig. 1, the resource receiving account may refer to an account of a payee for receiving a resource of a payer, and the user device of the resource receiving account may refer to a payee device. The resource expenditure account may refer to an account that the payer uses to pay out the resource, and the user device of the resource expenditure account may refer to the payer device.

The overall flow of the resource transfer scheme in fig. 1 may include the following steps:

step 102: the payer may send first authorization information for the resource transfer protocol to a server of the payment platform by operating a user device of the resource expenditure account.

Step 104: the payee may receive the user device of the account by operating the resource to send second authorization information for the resource transfer protocol to a server of the payment platform.

In practical applications, the execution order of steps 102 and 104 may be interchanged according to practical needs, and is not particularly limited.

Step 106: and generating a resource transfer protocol corresponding to the payer and the payee according to the first authorization information and the second authorization information.

Step 108: the payee may send a resource withholding request corresponding to the resource transfer protocol generated in step 106 to the server of the payment platform by operating the user device of the resource receiving account.

Step 110: after receiving the resource deduction request, the server of the payment platform can acquire resource transfer information of the resource expenditure account of the payer.

Step 112: the server of the payment platform can determine the amount of the resources possibly possessed by the resource expenditure account according to the acquired resource transfer information of the resource expenditure account, and further can determine first resource data which is possessed by the resource expenditure account and is less than or equal to the target resource amount, so that the resources corresponding to the first resource data can be successfully transferred from the resource expenditure account to the target account. The target resource quantity is the quantity of the resources which are determined to be transferred from the resource expenditure account to the resource receiving account according to the resource deduction request or the resource transfer protocol.

Step 114: judging whether the resource amount (namely the total resource transfer amount) transferred from the resource expenditure account to the target account reaches the target resource amount, if so, skipping to the end, otherwise, skipping to the step 110, and continuing to perform the resource transfer operation on the resource expenditure account, so that the resource withholding is realized through multiple resource transfer operations under the condition that the resource amount in the resource expenditure account is less than the target resource amount.

Next, a resource transfer method provided in an embodiment of the specification will be specifically described with reference to the accompanying drawings:

fig. 2 is a flowchart illustrating a resource transfer method according to an embodiment of the present disclosure. From the program perspective, the execution subject of the flow may be a program installed in the server of the payment platform or the server of the payment platform.

As shown in fig. 2, the process may include the following steps:

step 202: acquiring resource transfer information of a resource expenditure account; the resource expenditure account is a signed resource expenditure account in the resource transfer protocol.

In the embodiments of the present specification, the payment platform may refer to a third party payment platform, which may provide the user (payer and payee) with the e-commerce infrastructure support and application support services without directly engaging in specific e-commerce activities. The payment platform can provide a series of application interface programs to integrate various bank card payment modes, so that a consumer and a merchant can conveniently complete transactions without setting corresponding accounts in different banks.

In embodiments of the present description, a resource expenditure account is typically an account for which a payer has completed registration at a paymate, such that the paymate can have transfer rights to resources in the resource expenditure account. In practical applications, the resource expenditure account may be a bank account opened by the user at a bank, or a fund management account opened by the user at a payment platform, which is not particularly limited.

In the embodiments of the present specification, there are various implementation manners for acquiring the resource transfer information of the resource expenditure account.

First implementation

Because the resource management device of the resource expenditure account is used for managing the transfer-in and transfer-out of the resource expenditure account, the resource transfer-in information of the resource expenditure account can be acquired from the resource management device.

Specifically, step 202 may include: and the server of the payment platform acquires resource transfer-in information of the resource expenditure account, which is sent by the resource management equipment of the resource expenditure account. The resource transfer-in information comprises the resource transfer-in quantity information of the resource expenditure account.

The resource transfer-in quantity information of the resource expenditure account can represent that the specified quantity of resources are transferred into the resource expenditure account at the specified time. In practical application, the resource management device of the resource expenditure account can send the resource transfer-in information to the server of the payment platform when determining that the resource expenditure account is currently transferred into a resource, and the server of the payment platform does not need to request to acquire the resource transfer-in information according to the specified frequency, so that the resource consumption of the server of the payment platform is reduced. Or, the resource management device may also send the historical resource transfer information of the resource expenditure account to the server of the payment platform, so that the server of the payment platform predicts the next resource transfer time and resource transfer amount of the resource expenditure account according to the historical resource transfer information.

The server of the payment platform and the resource management device of the resource expenditure account may belong to the same enterprise or different enterprises, which is not limited specifically.

In the implementation mode, the resource transfer-in information of the resource expenditure account is acquired from the resource management device of the resource expenditure account, so that the accuracy and the real-time performance of the acquired resource transfer-in information of the resource expenditure account are improved.

Second implementation

The resource transfer condition of the resource expenditure account of the payer can be reflected due to the daily transaction behavior executed by the payer based on the payment platform and the resource expenditure account, for example, assuming that the payer usually uses the resource expenditure account for payment in the last ten days of a month, the resource transfer condition may reflect that the resource expenditure account may be transferred to a certain amount of resources at the beginning of the month. And according to the total amount of the resources paid out from the resource paying account every month, the amount of the resources possibly transferred into the resource paying account at the beginning of the month can be estimated.

Therefore, before step 202, the method may further include:

and the server of the payment platform acquires historical resource transfer data of the resource expenditure account.

Determining an expected resource transfer time for the resource spending account based on the historical resource transfer data.

Determining an expected resource transfer amount for the resource spending account based on the historical resource transfer data.

Correspondingly, step 202 may specifically include:

acquiring time trigger information; the time trigger information is used for representing a time point in a preset time period after the current time is the predicted resource transfer time.

If the time trigger information is acquired, the predetermined estimated resource transfer-in time and the predetermined estimated resource transfer-in quantity of the resource expenditure account can be determined as the resource transfer-in information of the resource expenditure account.

In the implementation mode, the estimated resource transfer time and the estimated resource transfer amount of the resource expenditure account can be estimated according to historical resource transfer data generated by resource transfer of the resource expenditure account through the payment platform, relevant resource transfer information does not need to be acquired from other equipment, convenience and rapidness are achieved, and the safety and privacy of the relevant information of the resource expenditure account are protected due to the fact that the resource transfer information of the resource expenditure account does not need to be transmitted additionally.

Step 204: determining a first resource quantity smaller than or equal to a target resource quantity based on the resource transfer-in information; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is a signed resource receiving account in the resource transfer protocol.

In this embodiment of the present specification, according to the resource transfer information of the resource expenditure account, the number of resources that the resource expenditure account may be transferred to at a specified time may be determined. If the number of the resources which are possibly transferred is larger than the target resource number, it can be shown that the resources in the resource expenditure account are sufficient at the designated time, and even if the determined first resource number is equal to the target resource number, the resource transfer can be successfully performed on the determined first resource data, which is beneficial to reducing the number of resource transfer operations. If the amount of the resources which are possibly transferred is not greater than the target amount of the resources, it can be shown that the resources in the resource expenditure account are possibly insufficient at the designated time, and in order to successfully transfer the resources aiming at the determined first resource data, the determined first resource amount can be made smaller than or equal to the target amount of the resources, so as to improve the success rate of transferring the resources.

Therefore, step 204 may specifically include:

and determining the second resource quantity transferred to the resource expenditure account based on the resource transfer information.

And judging whether the second resource quantity is greater than the target resource quantity to obtain a second judgment result.

And when the second judgment result shows that the second resource quantity is larger than the target resource quantity, determining a first resource quantity equal to the target resource quantity.

And when the second judgment result shows that the second resource quantity is not greater than the target resource quantity, determining a first resource quantity which is less than or equal to the second resource quantity.

In the embodiments of the present specification, there are various implementation manners for acquiring the resource transfer-in information. Therefore, the implementation manner of determining the second resource amount transferred to the resource expenditure account based on the resource transfer information can be various.

First implementation

When the resource transfer-in information is resource transfer-in information which is sent by the resource management device and contains the resource transfer-in amount information of the resource expenditure account, the determining, based on the resource transfer-in information, a second resource amount transferred to the resource expenditure account may specifically include:

and determining a second resource quantity transferred to the resource expenditure account based on the resource transfer quantity information.

Second implementation

When the resource transfer-in information is the predicted resource transfer-in time and the predicted resource transfer-in number of the resource expenditure account determined based on the historical resource transfer data of the resource expenditure account, the determining, based on the resource transfer-in information, a second resource number transferred to the resource expenditure account may specifically include:

and determining the predicted resource transfer amount of the resource expenditure account as the second resource amount.

Step 206: and sending a resource transfer request to the resource management equipment of the resource expenditure account, wherein the resource transfer request is used for requesting to transfer the resource of the first resource quantity from the resource expenditure account to a target account.

In this embodiment of the present specification, the target account may be a transit account or a contracted resource receiving account. This is not particularly limited.

When the target account is a transit account, if the first resource amount is smaller than the target resource amount, the method in fig. 2 is used to execute multiple resource transfer operations, so that the resource amount transferred from the resource expenditure account can reach the target resource amount. In order to avoid interference on the operation of the resource receiving account caused by multiple resource transfer operations, the method in fig. 2 may further include:

if the total amount of the resources transferred from the resource expenditure account to the relay account is equal to the target resource amount, the server of the payment platform may send a total resource transfer request to the resource management device of the relay account, where the total resource transfer request is used to request that the resources of the target resource amount are transferred from the relay account to the resource receiving account.

If the resource management device of the transit account successfully transfers the resource of the target resource amount from the transit account to the resource receiving account, the resource management device of the transit account may feed back resource transfer completion information to a server of a payment platform.

So that the server of the payment platform sends resource transfer completion information to the user equipment corresponding to the resource receiving account; the resource transfer completion information is used for indicating that the resources of the target resource quantity are transferred from the resource expenditure account to the resource receiving account. Thereby facilitating the payee's determination.

In the implementation manner, after the transfer account receives the resources equal to the target resource amount, the resources of the target resource amount are transferred to the resource receiving account once again, and the server of the payment platform can feed back the prompt information of completing the resource transfer to the resource receiving account once, which is beneficial to reducing the resource amount of the equipment consumed by the resource management equipment and the server of the payment platform when executing the resource transfer method.

Or, each time the resource is transferred to the relay account, the relay account may be enabled to transfer the resource to the resource receiving account once, and the resource transfer information may be sent to the user equipment corresponding to the resource receiving account once. The resource transfer of the implementation method has better real-time performance, but easily causes the waste of the resource of the server of the payment platform and the resource management equipment of the transit account.

And when the target account is the resource receiving account, after step 206, the method may include:

and acquiring the resource transfer success message fed back by the resource management equipment.

Based on the resource transfer success message, sending first resource transfer completion information to user equipment corresponding to the resource receiving account; the first resource transfer completion information is used for indicating that the resource of the first resource quantity is transferred from the first account to the second account.

Alternatively, after step 206, it may include:

acquiring a resource transfer success message fed back by the resource management equipment;

if the total amount of the resources transferred from the resource expenditure account to the resource receiving account is less than the agreed amount of resources in the resource transfer protocol, the method in fig. 2 is used to continue to transfer the resources in the resource expenditure account to the resource expenditure account until the total amount of the resources transferred from the resource expenditure account to the resource receiving account is equal to the agreed amount of resources in the resource transfer protocol.

It should be understood that the order of some steps in the method described in one or more embodiments of the present disclosure may be interchanged according to actual needs, or some steps may be omitted or deleted.

In the method shown in fig. 2, according to the resource transfer-in information of the resource expenditure account, the first resource quantity that is less than or equal to the total quantity of the resources to be deducted (i.e., the target resource quantity) may be currently possessed by the resource expenditure account, so as to request the resource management device of the resource expenditure account to transfer the resources of the first resource quantity from the resource expenditure account to the target account, and thus, the deduction can be performed without having resources that are greater than or equal to the target resource quantity in the resource expenditure account. The method can reduce the times of the server of the payment platform trying to deduct the payment from the resource expenditure account, is beneficial to saving the resources consumed by the server of the payment platform when executing the payment deduction operation, and also can improve the deduction success rate of the resources of the server of the payment platform deducting the target resource quantity from the resource expenditure account.

Based on the method of fig. 2, the embodiments of the present specification also provide some specific implementations of the method, which are described below.

In the embodiment of the present specification, the payer and the payee have to sign a resource transfer agreement at the payment platform, and the payment platform can perform the resource transfer operation on the resource accounts of the payer and the payee. There are many ways to implement the subscription of the resource transfer protocol.

First implementation

The payer and payee may each authorize at the paymate to generate the resource transfer protocol based on three-party participation.

Fig. 3a is a schematic view of a scenario for generating a resource transfer protocol according to an embodiment of the present disclosure.

As shown in fig. 3 a:

the server 301 of the payment platform may obtain first authorization information for the resource transfer protocol sent by the user equipment 303 (payer) of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account. The first authorization information is used for granting the deduction authority aiming at the resource expenditure account, namely, the server of the payment platform can transfer the resource from the resource expenditure account according to the preset frequency, the amount and the like without transaction confirmation with the payer one by one after the agreement of the payer.

The server 301 of the payment platform may further obtain second authorization information for the resource transfer protocol sent by the user device 302 (payee) of the resource receiving account; the second authorization information includes at least second account information of the resource receiving account. The second authorization information is used for granting the right of providing withholding resource service for the resource receiving account, namely the payment platform can transfer the resource in the account of the payer into the resource receiving account of the payee according to the entrustment of the payee and the preset frequency and amount.

The server 301 of the payment platform may generate the resource transfer protocol based on the first account information and the second account information. In the implementation mode, a three-party signing implementation mode is provided, and convenience and rapidness are achieved.

Second implementation

The payee may also interact with the third party platform to enable the third party platform to authorize the payment platform instead of the payee, so as to generate the resource transfer protocol based on four party participation.

Fig. 3b is a schematic diagram of another scenario for generating a resource transfer protocol according to an embodiment of the present disclosure. As shown in fig. 3 b:

the server 301 of the payment platform may obtain first authorization information sent by the user equipment 303 of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account; the first authorization information is used for authorizing equipment of a merchant residing in a third party platform to initiate the resource transfer request.

Acquiring second authorization information sent by the device 304 of the third-party platform; the second authorization information at least comprises second account information of a merchant residing in the third party platform. The second authorization information is used for granting the payment platform to provide withholding service for the merchant, namely allowing the payment platform to accept the commission of the merchant and transfer the resources in the account of the payer to the account of the merchant.

Generating the resource transfer protocol based on the first account information and the second account information.

In this implementation manner, a merchant (payee) of the third-party platform may use the user device 302 of the resource receiving account to interact with the device 304 of the third-party platform in advance, and sign a pre-authorization protocol, so that the third-party platform may replace the merchant and the payment platform to sign a resource transfer protocol or initiate a resource discount, thereby reducing interaction between the payee and the payment platform, and being convenient and fast.

In practical applications, there may be a need for a solution for both parties that have contracted the resource transfer protocol. Therefore, in this embodiment, the method in fig. 2 may further include:

and acquiring a solution request for the resource transfer protocol, which is sent by the user equipment signing the resource expenditure account.

And sending a reduction prompt message to user equipment signing a resource receiving account in the resource transfer protocol based on the reduction request.

In the embodiment of the present specification, in order to guarantee the rights and interests of the user (i.e., the payee) to which the contracted resource receiving account belongs, after the user (the payer) to which the contracted resource paying account belongs makes a release request, the payee confirms that the release is allowed, and then the resource transfer protocol can be released.

Therefore, after sending the offer cancellation prompting information to the user equipment signing the resource receiving account in the resource transfer protocol, the method may further include:

and obtaining the offer confirmation information sent by the user equipment of the signed resource receiving account in response to the offer prompt information.

And releasing the resource transfer protocol based on the release confirmation information.

And if the user equipment which does not acquire the signed resource receiving account responds to the offer confirmation information sent by the offer prompt information within a preset time period, the response to the offer request can be stopped.

In this embodiment of the present disclosure, after the payer and the payee sign a resource transfer agreement at the payment platform, the payer may send a resource deduction request, so that the payment platform performs resource transfer by using the resource transfer method shown in fig. 2.

Therefore, the method in fig. 2, before step 202, may further include:

acquiring a resource withholding request; the resource deduction request is used for requesting to transfer the resource of the resource expenditure account to the resource receiving account.

And determining the target resource quantity based on the resource withholding request.

In this embodiment of the present specification, before executing the resource transfer method, the payment platform needs to determine the amount of the resource to be transferred from the resource expenditure account to the resource receiving account, that is, the target amount of the resource. And the implementation of determining the target resource amount may be various.

First implementation

And acquiring resource transfer quantity information contained in the resource withholding request.

And determining the quantity represented by the resource transfer quantity information as the target resource quantity.

In this implementation manner, when the merchant or a third-party platform in which the merchant resides initiates the resource deduction request, the resource deduction request may be made to carry the resource transfer amount information, so as to determine the resource amount indicated by the resource transfer amount information as the target resource amount. Is convenient and quick.

Second implementation

And acquiring the withholding protocol number contained in the resource withholding request.

And determining the appointed number in the resource transfer protocol corresponding to the deduction protocol number.

Determining the agreed amount as the target resource amount.

In this implementation, the withholding agreement number may refer to a unique withholding voucher for the designated transaction of the payee and payer, which is equivalent to an order number. Therefore, the appointed number in the resource transfer protocol corresponding to the deduction protocol number can be determined as the target resource number. The method is convenient and quick, and the accuracy of the determined target resource quantity can be ensured.

In practical application, in order to avoid the use of the compiled information by the payee, a malicious resource deduction request is initiated, and an improper profit is obtained from the resource expenditure account. After the acquiring the resource withholding request, or before executing the method in fig. 2, the method may further include:

And checking the resource withholding request based on the withholding protocol number.

And if the resource deduction request passes the verification, acquiring resource transfer-in information of the resource expenditure account.

And if the resource withholding request does not pass the verification, stopping the resource transfer operation. To ensure the security of the resources in the resource expenditure account.

Wherein, the verifying the resource withholding request based on the withholding protocol number specifically may include:

and searching a resource transfer protocol corresponding to the deduction protocol number.

If the account initiating the resource deduction request is found to be the signed resource receiving account in the resource transfer protocol, judging whether the account initiating the resource deduction request is the signed resource receiving account in the resource transfer protocol, and judging whether the account to which the resource requested to be transferred belongs is the signed resource expenditure account in the resource transfer protocol to obtain a first judgment result.

And if the first judgment result is yes, the verification is passed. And if the first judgment result is negative, the verification is failed.

In embodiments of the present description, to further protect the security of resources within a resource payment account.

The method in fig. 2 may further include:

and judging whether the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit set in the resource transfer protocol or not, and obtaining a third judgment result. The confirmation-free amount set in the resource transfer protocol may be determined according to an actual situation, which is not specifically limited.

If the third judgment result shows that the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit, sending prompt information to the user equipment of the resource expenditure account; the prompt message is used for prompting that the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit.

Acquiring confirmation information fed back by the user equipment of the resource expenditure account; the confirmation information is used for indicating that the user of the resource expenditure account agrees to deduct the quantity of the resources required to be deducted by the resource deduction request.

And if the confirmation information is acquired within the set time, sending the resource transfer request to the resource management equipment of the resource expenditure account. When the prompt message is a short message containing a confirmation code, the confirmation message may be a message containing the confirmation code.

And if the confirmation information fed back by the user equipment of the resource expenditure account is not acquired within the set time, stopping executing the operation corresponding to the resource withholding request.

In this implementation manner, when the amount of the resource requested to be deducted by the resource deduction request exceeds the confirmation-free limit set in the resource transfer protocol, the resource transfer operation needs to be executed after the payer agrees to deduct the amount of the resource requested to be deducted by the resource deduction request, which is beneficial to ensuring the security and controllability of the resource in the resource expenditure account of the payer.

Based on the same idea, the embodiment of the present specification further provides a method for sending a resource withholding request. Fig. 4 is a flowchart illustrating a method for sending a resource withholding request according to an embodiment of the present disclosure. The executing subject of the method in fig. 4 may be the user equipment of the resource receiving account, or a program in the user equipment of the resource receiving account. As shown in fig. 4, the method may include:

step 402: the user equipment of the resource receiving account sends a resource withholding request to a server of the payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the method shown in fig. 2 and the resource transfer method of the embodiment thereof.

In this embodiment, the resource deduction request may include a target resource amount, where the target resource amount is a resource amount to be transferred from the resource expenditure account to the resource receiving account. Or, the resource deduction request may include a deduction agreement number, and the deduction agreement number may indicate a unique deduction certificate for a designated transaction between the payee and the payer, which is equivalent to an order number. Therefore, the appointed number in the resource transfer protocol corresponding to the deduction protocol number can be determined as the target resource number. Is convenient and quick.

In this embodiment of the present specification, before initiating the resource deduction request, the user equipment of the resource receiving account needs to perform authorization at the payment platform, so that the payment platform can provide the resource deduction service to the resource receiving account. Therefore, before step 402, the method may further include:

the method comprises the steps that user equipment of a resource receiving account sends authorization information of a resource transfer protocol to a server of a payment platform; the authorization information at least includes account information of the resource receiving account.

Similarly, the user equipment of the resource expenditure account also needs to send authorization information for the resource transfer protocol to the server of the payment platform; the authorization information at least comprises account information of the resource expenditure account. The payment platform generates the resource transfer protocol based on the authorization information sent by the user equipment of the resource receiving account and the user equipment of the resource expenditure account.

Alternatively, when the payer conducts a transaction at the payee, the payee may present the payer with a graphical code to generate a resource transfer protocol based on the graphical code.

Therefore, before the user equipment of the resource receiving account sends the resource deduction request to the server of the payment platform, the method may further include:

the user equipment of the resource receiving account displays a signing interface containing the code image; the code image contains account information related to the resource receiving account; the code image is for being scanned by a further user device to generate an authorization request; the authorization request is used for authorizing the resource deduction request initiated by the resource receiving account to carry out password-free payment.

Fig. 5 is a schematic application interface diagram of a user device for receiving an account by a resource according to an embodiment of the present specification. As shown in fig. 5:

when a payee conducts a transaction with a payer, a graphic code 502 for contracting with the payer for a resource transfer protocol may be displayed in an interface 501 of a user device of a resource receiving account of the payee. The graphic code may be a two-dimensional code, a barcode, or other types of graphic codes, which is not limited in this respect. In practical applications, the interface 501 of the user device of the resource receiving account may be a web page or an application page provided by the payment platform, or a web page or an application page mentioned by a third party platform in which the merchant (payee) is affiliated, which is not limited in particular.

Fig. 6 is a schematic application interface diagram of a user device of a resource expenditure account according to an embodiment of the present disclosure. As shown in fig. 6:

after the payer scans the graphic code for signing the contract displayed by the user equipment of the resource expenditure account by using the user equipment of the resource expenditure account, the interface 601 of the user equipment of the resource expenditure account can display the account information 602 of the resource expenditure account and the information 603 related to the service to be signed, if the payer agrees to accept the service, the "agreement" button 604 can be clicked, so that the payer signs a resource transfer agreement with the payee, and if the payer disagrees to accept the service, the "disagreement" button 605 can be clicked, so that the resource transfer agreement with the payee is terminated.

In this embodiment of this specification, before the user equipment of the resource receiving account sends the resource deduction request to the server of the payment platform, the method may further include:

acquiring a withholding protocol number corresponding to the resource transfer protocol fed back by the server of the payment platform based on the authorization information; and saving the withholding protocol number.

The sending of the resource deduction substitute request to the server of the payment platform may specifically include:

and sending a resource withholding request containing the withholding protocol number to a server of the payment platform. So as to transfer the resource to the resource expenditure account based on the amount of the resource to be deducted indicated by the withholding protocol number.

In this embodiment of the present description, when the server of the payment platform uses the method in fig. 2, after transferring the resource in the resource expenditure account into the resource receiving account, the user equipment of the resource receiving account may also receive the resource transfer prompt information.

Therefore, after step 402, the method may further include:

acquiring a plurality of resource transfer completion information fed back by a server of the payment platform in response to the resource withholding request; the sum of the resource transfer amounts contained in the resource transfer completion information is equal to the target resource amount requested to be transferred by the resource withholding request, and the target resource amount is the resource amount to be transferred from the resource expenditure account to the resource receiving account.

Based on the same idea, the embodiment of the present specification further provides a method for generating a resource expenditure record. Fig. 7 is a flowchart illustrating a method for generating a resource expenditure record according to an embodiment of the present disclosure. The execution subject of the method in fig. 7 may be the user device of the resource expenditure account, or a program in the user device of the resource expenditure account. As shown in fig. 7, the method may include:

step 702: the method comprises the steps that user equipment of a resource expenditure account obtains resource expenditure information; the resource expenditure information is used to represent a first resource amount of resources expended by the resource expenditure account based on the resource transfer method of FIG. 2.

Step 704: generating a resource expenditure record based on the resource expenditure information; the resource expenditure record comprises the first resource quantity and the service information related to the resource expenditure information.

In an embodiment of this specification, the acquiring resource expenditure information may specifically include:

acquiring a plurality of resource expenditure information sent by a server of a payment platform; the plurality of resource expenditure information relate to the same service information.

Correspondingly, the generating a resource expenditure record based on the resource expenditure information specifically includes:

and generating a resource expenditure record aiming at each resource expenditure information to obtain a plurality of resource expenditure records.

The sum of the first resource amounts contained in each of the plurality of resource expenditure records is equal to the second resource amount; the second resource quantity is the resource expenditure quantity corresponding to the same service information.

In the embodiment of the present specification, the user equipment of the resource expenditure account may generate the resource expenditure record, so that the payer can know the total amount of the paid resources during the settlement of each service, and the user experience of the payer is improved.

Fig. 8 is a flowchart illustrating a resource transfer scheme involving multiple parties according to an embodiment of the present disclosure. As shown in fig. 8:

step 802: the payer may send first authorization information for the resource expenditure account to a server of the payment platform using the user device of the resource expenditure account.

Step 804: the payee may be a merchant held by the third-party platform, and the payee may send the second authorization information of the resource receiving account to the server of the third-party platform by using the user device of the resource receiving account.

Step 806: the server of the third party platform may interact with the server of the payment platform to initiate a subscription request for the resource transfer protocol in lieu of the payee. Specifically, the server of the third-party platform may generate second authorization information for the resource receiving account and send the second authorization information to the server of the payment platform. Alternatively, the server of the third party platform may forward the received second authorization information of the resource receiving account to the server of the payment platform.

Step 808: and the server of the payment platform generates a resource transfer protocol corresponding to the payee and the payer according to the first authorization information and the second authorization information.

Step 810: and the server of the payment platform sends the withholding protocol number corresponding to the resource transfer protocol to the user equipment of the resource receiving account. Or the server of the payment platform sends the deduction protocol number corresponding to the resource transfer protocol to the server of the third-party platform, so that the server of the third-party platform stores or forwards the deduction protocol number to the user equipment of the resource receiving account.

Step 812: and the user equipment of the resource receiving account initiates a resource deduction request to a server of the payment platform based on the deduction agreement number. Or the user equipment of the resource receiving account initiates a resource withholding request corresponding to the withholding protocol number to the server of the payment platform based on the server of the third-party platform.

Step 814: and the server of the payment platform verifies the withholding protocol number in the resource withholding request, and if the withholding protocol number passes the verification, the resource transfer-in information of the resource expenditure account is acquired. If not, ending the resource transfer process.

Step 816: and the server of the payment platform determines a first resource quantity smaller than or equal to the target resource quantity based on the resource transfer-in information.

Step 818: and the server of the payment platform sends a resource transfer request to the resource management equipment of the resource expenditure account, wherein the resource transfer request is used for requesting to transfer the resource of the first resource quantity from the resource expenditure account to a target account.

Step 820: after determining that the resources of the first resource amount are transferred from the resource expenditure account to the target account, the server of the payment platform may send resource expenditure information to the user equipment of the resource expenditure account.

Step 822: the user device of the resource expenditure account may generate a resource expenditure record according to the resource expenditure information.

Step 824: after determining that the resources of the first resource quantity are transferred from the resource expenditure account to the target account, the server of the payment platform may further determine whether the resources transferred from the resource expenditure account to the target account reach the target resource quantity.

Step 826: if the resources transferred from the resource expenditure account to the target account reach the target resource amount and the resources of the target resource amount are already transferred to the resource receiving account, the server of the payment platform may send resource transfer completion information to the user equipment of the resource receiving account. If the resources transferred from the resource expenditure account to the target account do not reach the target resource amount, the process may jump to step 814, and the resource transfer information of the resource expenditure account is obtained again, and the resource transfer operation is performed.

Based on the same idea, the embodiment of the present specification further provides an apparatus corresponding to the method in fig. 2. Fig. 9 is a schematic structural diagram of a resource transfer device corresponding to fig. 2 according to an embodiment of the present disclosure. As shown in fig. 9, the apparatus may include:

a first obtaining module 902, configured to obtain resource transfer information of a resource expenditure account; the resource expenditure account is a signed resource expenditure account in the resource transfer protocol.

A first determining module 904, configured to determine, based on the resource transfer-in information, a first resource quantity that is less than or equal to a target resource quantity; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is a signed resource receiving account in the resource transfer protocol.

A first sending module 906, configured to send a resource transfer request to a resource management device of the resource expenditure account, where the resource transfer request is used to request that the resource of the first resource amount is transferred from the resource expenditure account to a target account.

Based on the device of fig. 9, the present specification also provides some specific implementations of the device, which are described below.

Optionally, the apparatus in fig. 9 may further include:

the second acquisition module is used for acquiring the resource withholding request; the resource deduction request is used for requesting to transfer the resource of the resource expenditure account to the resource receiving account.

And the second determining module is used for determining the target resource quantity based on the resource deduction request.

The second determining module may be specifically configured to:

acquiring resource transfer quantity information contained in the resource withholding request; and determining the quantity represented by the resource transfer quantity information as the target resource quantity. Alternatively, the first and second electrodes may be,

acquiring a withholding protocol number contained in the resource withholding request; determining the appointed number in the resource transfer protocol corresponding to the deduction protocol number; determining the agreed amount as the target resource amount.

Optionally, the apparatus in fig. 9 may further include:

and the deduction-generation protocol number acquisition module is used for acquiring the deduction-generation protocol number contained in the resource deduction-generation request.

And the checking module is used for checking the resource withholding request based on the withholding protocol number.

The first obtaining module 902 may specifically be configured to: and if the resource deduction request passes the verification, acquiring resource transfer-in information of the resource expenditure account.

The verification module may specifically be configured to:

And if the first judgment result is yes, the verification is passed.

Optionally, the first determining module 904 may specifically include:

and the first determining unit is used for determining the second resource quantity transferred to the resource expenditure account based on the resource transfer information.

And the judging unit is used for judging whether the second resource quantity is larger than the target resource quantity.

A second determining unit, configured to determine, when the second resource amount is greater than the target resource amount, a first resource amount equal to the target resource amount.

A third determining unit, configured to determine, when the second resource amount is not greater than the target resource amount, a first resource amount that is less than or equal to the second resource amount.

Optionally, the first obtaining module 902 may be specifically configured to:

and acquiring resource transfer-in information which is sent by the resource management equipment and contains the resource transfer-in quantity information of the resource expenditure account.

The first determining unit is specifically configured to: and determining a second resource quantity transferred to the resource expenditure account based on the resource transfer quantity information.

Optionally, the apparatus shown in fig. 9 may further include;

and the third acquisition module is used for acquiring historical resource transfer data of the resource expenditure account.

And the third determining module is used for determining the predicted resource transfer time of the resource expenditure account based on the historical resource transfer data.

And the fourth determination module is used for determining the expected resource transfer amount of the resource expenditure account based on the historical resource transfer data.

The first obtaining module 902 may specifically be configured to:

acquiring time trigger information; the time trigger information is used for indicating that the current time is a time point in a preset time period after the expected resource transfer time of the resource expenditure account.

The first determining unit is specifically configured to:

Optionally, the target account is a transit account, and the apparatus shown in fig. 9 may further include:

a second sending module, configured to send a total resource transfer request to the resource management device of the transit account if the total amount of the resources transferred from the resource expenditure account to the transit account is equal to the target resource amount, where the total resource transfer request is used to request that the resources of the target resource amount be transferred from the transit account to the resource receiving account.

A third sending module, configured to send resource transfer completion information to the user equipment corresponding to the resource receiving account; the resource transfer completion information is used for indicating that the resources of the target resource quantity are transferred from the resource expenditure account to the resource receiving account.

Optionally, the apparatus shown in fig. 9 may further include:

a fourth obtaining module, configured to obtain first authorization information for the resource transfer protocol, where the first authorization information is sent by a user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account.

A fifth obtaining module, configured to obtain second authorization information for the resource transfer protocol, where the second authorization information is sent by the user equipment of the resource receiving account; the second authorization information includes at least second account information of the resource receiving account.

A first protocol generation module, configured to generate the resource transfer protocol based on the first account information and the second account information.

Optionally, the apparatus shown in fig. 9 may further include:

a sixth obtaining module, configured to obtain first authorization information sent by the user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account; the first authorization information is used for authorizing equipment of a merchant residing in a third party platform to initiate the resource transfer request.

A seventh obtaining module, configured to obtain second authorization information sent by the device of the third-party platform; the second authorization information at least comprises second account information of a merchant residing in the third party platform.

And the second protocol generation module is used for generating the resource transfer protocol based on the first account information and the second account information.

Optionally, the apparatus shown in fig. 9 may further include:

and the confirmation-free limit judgment module is used for judging whether the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit set in the resource transfer protocol or not and obtaining a third judgment result.

A prompt message sending module, configured to send a prompt message to the user equipment of the resource expenditure account if the third determination result indicates that the amount of the resource requested to be deducted by the resource deduction request exceeds the confirmation-free amount; the prompt message is used for prompting that the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit.

The confirmation information acquisition module is used for acquiring the confirmation information fed back by the user equipment of the resource expenditure account; the confirmation information is used for indicating that the user of the resource expenditure account agrees to deduct the quantity of the resources required to be deducted by the resource deduction request.

A first sending module, configured to send the resource transfer request to a resource management device of the resource expenditure account based on the confirmation information. The prompt message is a short message containing a confirmation code, and the confirmation message contains the confirmation code.

Optionally, the apparatus shown in fig. 9 may further include:

and the execution stopping module is used for stopping executing the operation corresponding to the resource withholding request if the confirmation information fed back by the user equipment of the resource expenditure account is not acquired within the set time.

Optionally, the apparatus shown in fig. 9 may further include:

and the contract-release request acquisition module is used for acquiring a contract-release request for the resource transfer protocol, which is sent by the user equipment of the signed resource expenditure account.

And the contract-release prompt information sending module is used for sending the contract-release prompt information to the user equipment signed with the resource receiving account in the resource transfer protocol based on the contract-release request.

And the contract-release determination information acquisition module is used for acquiring the contract-release confirmation information sent by the user equipment of the signed resource receiving account in response to the contract-release prompt information.

And the contract resolving module is used for resolving the resource transfer protocol based on the contract resolving confirmation information.

The suspension response module is used for responding to the reduction prompt information and sending reduction confirmation information if the user equipment which does not acquire the signed resource receiving account does not respond to the reduction prompt information within a preset time period; aborting the response to the offer request.

Based on the same idea, the embodiment of the present specification further provides an apparatus corresponding to the method in fig. 4. Fig. 10 is a schematic structural diagram of an apparatus for sending a resource deduction request corresponding to the method in fig. 4 according to an embodiment of the present disclosure. The apparatus in fig. 10 may be applied to a user equipment of a resource receiving account. As shown in fig. 10, the apparatus may include:

a first sending module 1002, configured to send a resource withholding request to a server of a payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the resource transfer method in fig. 2.

Based on the device of fig. 10, the present specification provides some specific embodiments of the device, which are described below.

Optionally, the apparatus in fig. 10 may further include:

the second sending module is used for sending authorization information of a resource transfer protocol to a server of the payment platform; the authorization information at least includes account information of the resource receiving account.

And the acquisition module is used for acquiring the deduction agreement number corresponding to the resource transfer agreement fed back by the server of the payment platform based on the authorization information.

And the storage module is used for storing the withholding protocol number.

The first sending module 1002 may be specifically configured to: and sending a resource withholding request containing the withholding protocol number to a server of the payment platform.

Optionally, the apparatus in fig. 10 may further include:

the signing interface display module is used for displaying a signing interface containing the code image; the code image contains account information related to the resource receiving account; the code image is for being scanned by a further user device to generate an authorization request; the authorization request is used for authorizing the resource deduction request initiated by the resource receiving account to carry out password-free payment.

Optionally, in the apparatus in fig. 10, the resource deduction request may include a target resource amount, where the target resource amount is a resource amount to be transferred from the resource expenditure account to the resource receiving account.

Optionally, the apparatus in fig. 10 may further include:

the resource transfer completion information acquisition module is used for acquiring a plurality of resource transfer completion information fed back by the server of the payment platform in response to the resource withholding request; the sum of the resource transfer amounts contained in the resource transfer completion information is equal to the target resource amount requested to be transferred by the resource withholding request, and the target resource amount is the resource amount to be transferred from the resource expenditure account to the resource receiving account.

Based on the same idea, the embodiment of the present specification further provides an apparatus corresponding to the method in fig. 7. Fig. 11 is a schematic structural diagram of an apparatus for generating a resource expenditure record corresponding to the method in fig. 7 according to an embodiment of the present disclosure. The apparatus in fig. 11 may be applied to a user device of a resource expenditure account. As shown in fig. 11, the apparatus may include:

an obtaining module 1102, configured to obtain resource expenditure information; the resource expenditure information is used to represent a first resource amount of resources expended by the resource expenditure account.

A resource expenditure record generating module 1104, configured to generate a resource expenditure record based on the resource expenditure information; the resource expenditure record comprises the first resource quantity and the service information related to the resource expenditure information.

Based on the device of fig. 11, the present specification provides some specific embodiments of the device, which are described below.

Optionally, in the apparatus in fig. 11, the obtaining module 1102 may be specifically configured to:

The resource expenditure record generating module 1104 may be specifically configured to:

Based on the same idea, the embodiment of the present specification further provides a resource transfer device corresponding to the method in fig. 2, a sending device of a resource withholding request corresponding to the method in fig. 4, and a device generating a resource expenditure record corresponding to the method in fig. 7.

As shown in fig. 12, the apparatus 1200 may include:

at least one processor 1210; and the number of the first and second groups,

a memory 1230 communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory 1230 stores instructions 1220 executable by the at least one processor 1210.

When the apparatus of fig. 12 is implemented as a resource transfer apparatus corresponding to the method of fig. 2, the instructions 1220 may be executable by the at least one processor 1210 to enable the at least one processor 1210 to:

acquiring resource transfer information of a resource expenditure account; the resource expenditure account is a signed resource expenditure account in the resource transfer protocol.

Determining a first resource quantity smaller than or equal to a target resource quantity based on the resource transfer-in information; the target resource quantity is the quantity of the resources which should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is a signed resource receiving account in the resource transfer protocol.

When the apparatus of fig. 12 is configured as a sending device for a resource withholding request corresponding to the method of fig. 4, the instructions 1220 may be executable by the at least one processor 1210 to enable the at least one processor 1210 to:

sending a resource withholding request to a server of the payment platform; the resource withholding request is used for requesting a server of the payment platform to execute the resource transfer method in fig. 2.

When the apparatus of fig. 12 is implemented as an apparatus for generating a resource expenditure record corresponding to the method of fig. 7, the instructions 1220 may be executable by the at least one processor 1210 to enable the at least one processor 1210 to:

acquiring resource expenditure information; the resource expenditure information is used to represent a first resource amount of resources expended from a resource expenditure account based on the resource transfer method of FIG. 2.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the resource transfer device, the sending device of the resource withholding request, or the device generating the resource expenditure record shown in fig. 12, since they are basically similar to the method embodiment, the description is relatively simple, and the relevant points can be referred to the partial description of the method embodiment.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using 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, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, 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 for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

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

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

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

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

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

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

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

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

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

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

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

The application 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. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method of resource transfer, comprising:

sending a resource transfer request to resource management equipment of the resource expenditure account, wherein the resource transfer request is used for requesting to transfer the resource of the first resource quantity from the resource expenditure account to a target account;

the acquiring resource transfer-in information of the resource expenditure account specifically comprises the following steps:

acquiring time trigger information; the time trigger information is used for representing the time point of the current time in a preset time period after the predicted resource transfer time;

if the time trigger information is acquired, determining the preset predicted resource transfer-in time and the predicted resource transfer-in quantity of the resource expenditure account as the resource transfer-in information of the resource expenditure account;

the determining, based on the resource transfer-in information, a first resource quantity that is less than or equal to a target resource quantity specifically includes:

determining a second resource quantity transferred to the resource expenditure account based on the resource transfer information;

judging whether the second resource quantity is larger than the target resource quantity or not to obtain a second judgment result;

when the second judgment result shows that the second resource quantity is larger than the target resource quantity, determining a first resource quantity equal to the target resource quantity;

2. The method of claim 1, prior to obtaining resource transfer information for a resource spending account, further comprising:

acquiring a resource withholding request; the resource deduction request is used for requesting to transfer the resource of the resource expenditure account to the resource receiving account;

3. The method according to claim 2, wherein the determining the target resource amount based on the resource withholding request specifically includes:

acquiring resource transfer quantity information contained in the resource withholding request;

4. The method according to claim 2, wherein the determining the target resource amount based on the resource withholding request specifically includes:

acquiring a withholding protocol number contained in the resource withholding request;

determining the appointed number in the resource transfer protocol corresponding to the deduction protocol number;

determining the agreed amount as the target resource amount.

5. The method of claim 2, further comprising, after obtaining the resource withholding request:

based on the withholding protocol number, checking the resource withholding request;

6. The method according to claim 5, wherein the verifying the resource deduction request based on the deduction agreement number specifically comprises:

searching a resource transfer protocol corresponding to the withholding protocol number;

if the resource deduction request is found, judging whether an account initiating the resource deduction request is a signed resource receiving account in the resource transfer protocol, and obtaining a first judgment result, wherein the account to which the resource requested to be transferred belongs is a signed resource expenditure account in the resource transfer protocol;

and if the first judgment result is yes, the verification is passed.

7. The method according to claim 1, wherein the acquiring resource transfer-in information of the resource expenditure account specifically comprises:

acquiring resource transfer-in information which is sent by the resource management equipment and contains the resource transfer-in quantity information of the resource expenditure account;

the determining of the second resource quantity transferred to the resource expenditure account based on the resource transfer information specifically includes:

8. The method of claim 1, wherein the first and second light sources are selected from the group consisting of,

the determining of the second resource amount transferred to the resource expenditure account specifically includes:

9. The method of claim 8, prior to obtaining resource transfer information for a resource expenditure account, further comprising;

acquiring historical resource transfer data of the resource expenditure account;

determining an expected resource transfer time of the resource expenditure account based on the historical resource transfer data;

10. The method of claim 1, the target account being a transit account.

11. The method of claim 10, further comprising:

if the total amount of the resources transferred from the resource expenditure account to the transit account is equal to the target resource amount, sending a total resource transfer request to the resource management device of the transit account, where the total resource transfer request is used to request that the resources of the target resource amount be transferred from the transit account to the resource receiving account;

sending resource transfer completion information to user equipment corresponding to the resource receiving account; the resource transfer completion information is used for indicating that the resources of the target resource quantity are transferred from the resource expenditure account to the resource receiving account.

12. The method of claim 1, further comprising:

judging whether the quantity of the resources requested to be deducted by the resource deduction request exceeds a confirmation-free limit set in the resource transfer protocol or not to obtain a third judgment result;

if the third judgment result shows that the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit, sending prompt information to the user equipment of the resource expenditure account; the prompt message is used for prompting that the quantity of the resources requested to be deducted by the resource deduction request exceeds the confirmation-free limit;

acquiring confirmation information fed back by the user equipment of the resource expenditure account; the confirmation information is used for indicating that the user of the resource expenditure account agrees to deduct the quantity of the resources required to be deducted by the resource deduction request;

and sending the resource transfer request to the resource management equipment of the resource expenditure account based on the confirmation information.

13. The method of claim 12, wherein the prompt is a short message comprising a confirmation code, and the confirmation message comprises the confirmation code.

14. The method of claim 13, after sending the reminder information to the user device of the resource expenditure account, further comprising:

15. The method of claim 1, prior to obtaining resource transfer information for a resource spending account, further comprising:

acquiring first authorization information for the resource transfer protocol, which is sent by user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account;

acquiring second authorization information for the resource transfer protocol, which is sent by user equipment of the resource receiving account; the second authorization information at least comprises second account information of the resource receiving account;

16. The method of claim 1, prior to obtaining resource transfer information for a resource spending account, further comprising:

acquiring first authorization information sent by user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account; the first authorization information is used for authorizing equipment of a merchant residing in a third-party platform to initiate the resource transfer request;

acquiring second authorization information sent by equipment of the third-party platform; the second authorization information at least comprises second account information of a merchant residing in the third-party platform;

17. The method of claim 1, further comprising:

obtaining a contract-resolving request for the resource transfer protocol, which is sent by the user equipment signing the resource expenditure account;

18. The method of claim 17, after sending the offer cancellation prompting message to the user equipment signing the resource receiving account in the resource transfer protocol, further comprising:

obtaining the offer confirmation information sent by the user equipment of the signed resource receiving account in response to the offer prompt information;

19. The method of claim 17, after sending the offer cancellation prompting message to the user equipment signing the resource receiving account in the resource transfer protocol, further comprising:

if the user equipment which does not acquire the signed resource receiving account responds to the offer confirmation information sent by the offer prompt information within a preset time period;

aborting the response to the offer request.

20. A method for sending a resource withholding request comprises the following steps:

the user equipment of the resource receiving account sends a resource withholding request to a server of the payment platform; the resource withholding request is for requesting a server of the payment platform to perform the resource transfer method of claim 1.

21. The method of claim 20, wherein the resource withholding request includes a target amount of resources that should be transferred from a resource spending account to the resource receiving account.

22. The method of claim 20, prior to the user device of the resource receiving account sending the resource deduction request to the server of the payment platform, further comprising:

sending authorization information for a resource transfer protocol to a server of the payment platform; the authorization information at least comprises account information of the resource receiving account;

acquiring a withholding protocol number corresponding to the resource transfer protocol fed back by the server of the payment platform based on the authorization information;

and saving the withholding protocol number.

23. The method according to claim 22, wherein the sending the resource withholding request to the server of the payment platform specifically comprises:

and sending a resource withholding request containing the withholding protocol number to a server of the payment platform.

24. The method of claim 20, prior to the user device of the resource receiving account sending the resource deduction request to the server of the payment platform, further comprising:

displaying a signing interface containing a code image; the code image contains account information related to the resource receiving account; the code image is for being scanned by a further user device to generate an authorization request; the authorization request is used for authorizing the resource deduction request initiated by the resource receiving account to carry out password-free payment.

25. The method of claim 20, further comprising:

26. A method of generating a resource expenditure record, comprising:

the method comprises the steps that user equipment of a resource expenditure account obtains resource expenditure information; the resource expenditure information is indicative of a first resource amount of a resource expended from the resource expenditure account based on the resource transfer method of claim 1;

27. The method according to claim 26, wherein the obtaining resource expenditure information specifically comprises:

acquiring a plurality of resource expenditure information sent by a server of a payment platform; the plurality of resource expenditure information relates to the same service information;

generating a resource expenditure record based on the resource expenditure information specifically comprises:

generating a resource expenditure record aiming at each resource expenditure information to obtain a plurality of resource expenditure records;

28. A resource transfer apparatus comprising:

a first sending module, configured to send a resource transfer request to a resource management device of the resource expenditure account, where the resource transfer request is used to request that resources of the first resource amount be transferred from the resource expenditure account to a target account;

29. The apparatus of claim 28, further comprising:

the second acquisition module is used for acquiring the resource withholding request; the resource deduction request is used for requesting to transfer the resource of the resource expenditure account to the resource receiving account;

30. The apparatus of claim 28, wherein the first determining module specifically includes:

the first determining unit is used for determining the second resource quantity transferred to the resource expenditure account based on the resource transfer information;

a judging unit, configured to judge whether the second resource quantity is greater than the target resource quantity;

a second determining unit, configured to determine, when the second resource amount is greater than the target resource amount, a first resource amount equal to the target resource amount;

31. The apparatus of claim 30, wherein the first obtaining module is specifically configured to:

the first determining unit is specifically configured to:

32. The apparatus of claim 30, further comprising;

the third acquisition module is used for acquiring historical resource transfer data of the resource expenditure account;

a third determining module, configured to determine, based on the historical resource transfer data, an expected resource transfer time of the resource expenditure account;

a fourth determining module, configured to determine an expected amount of resources transferred to the resource expenditure account based on the historical resource transfer data;

the first obtaining module is specifically configured to:

acquiring time trigger information; the time trigger information is used for indicating that the current time is a time point in a preset time period after the expected resource transfer time for the resource expenditure account;

the first determining unit is specifically configured to:

33. The apparatus of claim 28, the target account being a transit account, further comprising:

a second sending module, configured to send a total resource transfer request to the resource management device of the transit account if the total amount of resources that have been transferred from the resource expenditure account to the transit account is equal to the target resource amount, where the total resource transfer request is used to request that resources of the target resource amount be transferred from the transit account to the resource receiving account;

34. The apparatus of claim 28, further comprising:

a fourth obtaining module, configured to obtain first authorization information for the resource transfer protocol, where the first authorization information is sent by a user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account;

a fifth obtaining module, configured to obtain second authorization information for the resource transfer protocol, where the second authorization information is sent by the user equipment of the resource receiving account; the second authorization information at least comprises second account information of the resource receiving account;

35. The apparatus of claim 28, further comprising:

a sixth obtaining module, configured to obtain first authorization information sent by the user equipment of the resource expenditure account; the first authorization information at least comprises first account information of the resource expenditure account; the first authorization information is used for authorizing equipment of a merchant residing in a third-party platform to initiate the resource transfer request;

a seventh obtaining module, configured to obtain second authorization information sent by the device of the third-party platform; the second authorization information at least comprises second account information of a merchant residing in the third-party platform;

36. A sending device of a resource withholding request is applied to user equipment of a resource receiving account, and comprises:

the first sending module is used for sending a resource withholding request to a server of the payment platform; the resource withholding request is for requesting a server of the payment platform to perform the resource transfer method of claim 1.

37. The apparatus of claim 36, further comprising:

the second sending module is used for sending authorization information of a resource transfer protocol to a server of the payment platform; the authorization information at least comprises account information of the resource receiving account;

the acquisition module is used for acquiring a withholding protocol number corresponding to the resource transfer protocol and fed back by the server of the payment platform based on the authorization information;

the storage module is used for storing the withholding protocol number;

the first sending module is specifically configured to:

38. The apparatus of claim 36, further comprising:

39. An apparatus for generating a resource expenditure record, applied to a user device of a resource expenditure account, includes:

the acquisition module is used for acquiring resource expenditure information; the resource expenditure information is indicative of a first resource amount of a resource expended from the resource expenditure account based on the resource transfer method of claim 1;

40. The apparatus of claim 39, wherein the obtaining module is specifically configured to:

the resource expenditure record generating module is specifically configured to:

41. A resource transfer apparatus comprising:

at least one processor; and the number of the first and second groups,

42. A device for sending a resource withholding request, comprising:

at least one processor; and the number of the first and second groups,

sending a resource withholding request to a server of the payment platform; the resource withholding request is for requesting a server of the payment platform to perform the resource transfer method of claim 1.

43. An apparatus to generate a resource expenditure record, comprising:

at least one processor; and the number of the first and second groups,

acquiring resource expenditure information; the resource expenditure information is indicative of a first resource amount of a resource expended from a resource expenditure account based on the resource transfer method of claim 1;