CN111738705A - Resource transfer method, device and equipment - Google Patents

Resource transfer method, device and equipment Download PDF

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CN111738705A
CN111738705A CN202010757346.1A CN202010757346A CN111738705A CN 111738705 A CN111738705 A CN 111738705A CN 202010757346 A CN202010757346 A CN 202010757346A CN 111738705 A CN111738705 A CN 111738705A
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resource
resource transfer
platform
transaction
public
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孙兆波
方迅
赵龙
谢进
吴杰
刘泽发
姚刚
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The embodiment of the specification discloses a resource transfer method, a device and equipment, wherein the method comprises the steps of receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred aiming at the transaction object; acquiring a first public resource account pair of a resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in a transaction platform, and sending a resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred aiming at the transaction object; and acquiring a processing result of the resource transfer processing performed by the resource platform, and sending the processing result of the resource transfer processing to the transaction platform.

Description

Resource transfer method, device and equipment
Technical Field
The present disclosure relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for resource transfer.
Background
With the continuous development of internet technology, online shopping becomes an important part of people's life due to its characteristics of convenience, time saving, labor saving, and the like.
The trade (i.e. the trade of B2B) among different enterprises or organizations has matured day by day, and the current suitable large environment is adopted as the basis, so that the unique industrial advantages and mature management experience lead to the rapid development of B2B in various industries, which exceeds B2C, and occupies 95% of the share of electronic commerce, and is increased by 97% in 2006 compared with 2005. In 2019, the market space of B2B is expected to reach about 120 trillions, wherein the online permeability is about 21%, 25 trillions of market blue sea is still to be exploited, in 2020, the actual occupation ratio of B2B is still low, and at present, the resource transfer mode in B2B can be mainly realized by two modes, namely a B2B gateway or offline remittance and the like. However, in the above manner, a plurality of different services provided by each resource platform (such as a bank and the like) lack a unified standard and a service mode, so that the technical interfaces are not unified, the docking efficiency is reduced, and the docking cost is huge; moreover, the transaction platform has poor experience of payment modes for public accounts for enterprises or organizations and the like, low processing efficiency and heavy modeling, so that most of the payment modes are realized in a self-supporting mode, and the service development of the transaction platform is greatly limited.
Disclosure of Invention
The purpose of this specification embodiment is to provide a technical scheme that efficiency is higher, and business development to trading platform is more excellent.
In order to implement the above technical solution, the embodiments of the present specification are implemented as follows:
an embodiment of the present specification provides a resource transfer method, where the method includes: receiving a resource transfer request sent by a trading platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a trading object and the quantity of resources required to be transferred for the trading object. And acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object. And acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
An embodiment of the present specification provides a resource transfer method, where the method includes: receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object. Sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing. And receiving the processing result of the resource transfer processing sent by the transaction management platform.
An embodiment of this specification provides a resource transfer device, the device includes: the first receiving module is used for receiving a resource transfer request sent by a trading platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a trading object and the quantity of resources required to be transferred for the trading object. The resource transfer module is used for acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of the corresponding transaction object provider in the transaction platform, and sending the resource transfer request to the resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object. And the first result sending module is used for acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account and sending the processing result of the resource transfer processing to the transaction platform.
An embodiment of this specification provides a resource transfer device, the device includes: the first receiving module receives a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object. The first information sending module is used for sending the resource transfer request to a transaction management platform so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object, and obtain a processing result of the resource transfer processing. And the second receiving module is used for receiving the processing result of the resource transfer processing sent by the transaction management platform.
An embodiment of the present specification provides a resource transfer apparatus, where the resource transfer apparatus includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: receiving a resource transfer request sent by a trading platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a trading object and the quantity of resources required to be transferred for the trading object. And acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object. And acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
Embodiments of the present specification also provide a storage medium, where the storage medium is used to store computer-executable instructions, and the executable instructions, when executed, implement the following processes: receiving a resource transfer request sent by a trading platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a trading object and the quantity of resources required to be transferred for the trading object. And acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object. And acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
An embodiment of the present specification provides a resource transfer apparatus, where the resource transfer apparatus includes: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to: receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object. Sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing. And receiving the processing result of the resource transfer processing sent by the transaction management platform.
Embodiments of the present specification also provide a storage medium, where the storage medium is used to store computer-executable instructions, and the executable instructions, when executed, implement the following processes: receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object. Sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing. And receiving the processing result of the resource transfer processing sent by the transaction management platform.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort;
FIG. 1 illustrates an embodiment of a resource transfer method of the present disclosure;
FIG. 2 is a diagram of another embodiment of a resource transfer method;
FIG. 3 is a diagram illustrating another embodiment of a resource transfer method;
FIG. 4 is a diagram illustrating another embodiment of a resource transfer method;
FIG. 5 is a flowchart of another embodiment of a resource transfer method;
FIG. 6 is a flowchart of another embodiment of a resource transfer method;
FIG. 7 is a diagram illustrating an embodiment of a resource transfer device;
FIG. 8 is another embodiment of a resource transfer device described herein;
fig. 9 is an embodiment of a resource transfer apparatus according to the present disclosure.
Detailed Description
The embodiment of the specification provides a resource transfer method, a resource transfer device and resource transfer equipment.
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
Example one
As shown in fig. 1, an execution subject of the method may be a transaction management platform, where the transaction management platform may be constructed by a server, and the server may be an independent server, or may be a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an online shopping service, or may be a background server of an application. The method may specifically comprise the steps of:
in step S102, a resource transfer request sent by the transaction platform is received, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet includes information of a transaction object and a quantity of resources that need to be transferred for the transaction object.
The trading platform may be a platform that provides information display of the trading object for one or more different trading object providers, receives a trading request for one or more different trading objects, controls a trading process, and outputs a trading result, and may specifically be a certain shopping website or the like. The trading platform in the embodiments of the present description may be a platform provided for trading between different enterprises or organizations, that is, a trading platform of B2B. The resource transfer request may be information requesting to transfer the occupation right of a certain amount of resources in one account to another account, and the resource transfer request may be embodied in a variety of different ways, for example, the resource transfer request may be a payment request, an equivalent exchange request, and the like. The resource transfer initiator may be a party that sends a resource transfer request, and the resource transfer initiator may be a certain enterprise or a certain organization, etc. The resource transfer information sheet may be a form for recording relevant information of the transaction object selected by the resource transfer initiator on the transaction platform, where the relevant information of the transaction object may include the number of the transaction objects, the number of resources required by the transaction object, relevant attribute information of the transaction object, and the like, and may be specifically set according to an actual situation, which is not limited in this specification. The transaction object may be a commodity or data provided by a transaction object provider, and may be specifically set according to an actual situation, which is not limited in the embodiments of the present specification. The resource may be a physical resource (e.g., currency, etc.) and may also be a virtual resource (e.g., points, coupons, red pack or inventory resources, etc.).
In implementation, with the continuous development of internet technology, online shopping becomes a more important part of people's life due to the characteristics of convenience, time saving, labor saving and the like. The trade (i.e. the trade of B2B) among different enterprises or organizations has matured day by day, and the current suitable large environment is adopted as the basis, so that the unique industrial advantages and mature management experience lead to the rapid development of B2B in various industries, which exceeds B2C, and occupies 95% of the share of electronic commerce, and is increased by 97% in 2006 compared with 2005. In 2019, the market space of B2B is expected to reach about 120 trillions, wherein the online permeability is about 21%, 25 trillions of market blue sea is still to be exploited, in 2020, the actual occupation ratio of B2B is still low, and at present, the resource transfer mode in B2B can be mainly realized by two modes, namely a B2B gateway or offline remittance and the like. However, in the above manner, a plurality of different services provided by each resource platform (such as a bank and the like) lack a unified standard and a service mode, so that the technical interfaces are not unified, the docking efficiency is reduced, and the docking cost is huge; moreover, the transaction platform has poor experience of payment modes for public accounts for enterprises or organizations and the like, low processing efficiency and heavy modeling, so that most of the payment modes are realized in a self-supporting mode, and the service development of the transaction platform is greatly limited. The embodiment of the present specification provides a technical solution with better resource processing efficiency and better service development for a transaction platform, which may specifically refer to the following relevant contents:
the resource transfer initiator may register in advance on the trading platform, and in practical application, the resource transfer initiator may not need to register in advance on the trading platform, and in addition, the resource transfer initiator may bind a resource account to be used in advance on the trading platform. Correspondingly, the transaction object provider may be registered in the transaction platform in advance, in practical applications, the transaction object provider may not need to be registered in the transaction platform in advance, and in addition, the transaction object provider may bind a resource account to be used in the transaction platform in advance. When a resource transfer initiator needs to perform a certain transaction, the resource transfer initiator may log in the transaction platform, and may search related information of the transaction, such as related information of a transaction object (e.g., name, number, etc. of the transaction object) and transaction time, in the transaction platform, then the resource transfer initiator may select the related information of the transaction, and may generate a resource transfer information sheet based on the related information, if the resource transfer initiator confirms that the information in the resource transfer information sheet is correct, a resource transfer request may be generated, and may submit the resource transfer request to the transaction platform, the transaction platform may send the resource transfer request to a transaction management platform, which may receive the resource transfer request sent by the transaction platform, wherein the resource transfer request may include the resource transfer information sheet of the resource transfer initiator, the resource transfer information sheet may include information of the transaction object and the amount of resources to be transferred for the transaction object.
In step S104, a first public resource account of the resource transfer initiator and a second public resource account of the corresponding transaction object provider in the transaction platform are obtained, and the resource transfer request is sent to the resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the amount of resources to be transferred for the transaction object.
The first public resource account may be a resource account of an public service that is preset by the resource platform for the resource transfer initiator or an organization to which the resource transfer initiator belongs, for example, a settlement account for a certain commodity transaction with a certain enterprise that is set by a certain bank for the certain enterprise to which the resource transfer initiator belongs. The transaction object provider may be an organization or institution that provides one or more different transaction objects, e.g., the transaction object may be a cell phone, and the corresponding transaction object provider may be a business or institution that sells the brand of cell phone, etc. The second peer resource account may be a resource account of a peer service that is pre-opened by the resource platform for the transaction object provider or an organization to which the transaction object provider belongs, for example, a settlement account for a certain commodity transaction with a certain enterprise that is opened by a certain bank for the certain enterprise to which the transaction object provider belongs, and the like. The resource transfer process may be a process of transferring the occupation right of a certain amount of resources in a certain resource account to another resource account, and in practical applications, the resource transfer process may be, for example, payment process of money, exchange process of information or data, and the like, and may be specifically set according to practical situations, which is not limited in this embodiment of the present specification.
In implementation, after receiving a resource transfer request sent by a transaction platform, the transaction management platform may analyze the resource transfer request to determine related information of a resource transfer initiator and related information of a transaction object provider, then may search, in the transaction management platform, account information pre-registered by the resource transfer initiator and account information pre-registered by the transaction object provider based on the related information of the resource transfer initiator and the related information of the transaction object provider, respectively, if the transaction management platform cannot search the account information pre-registered by the resource transfer initiator and/or the account information pre-registered by the transaction object provider, may search information of a resource account pre-bound by the resource transfer initiator and/or information of a resource account pre-bound by the transaction object provider, if the transaction management platform cannot search the account information pre-registered by the resource transfer initiator and/or the account information pre-registered by the transaction object provider, find information of a resource account pre-bound by the resource transfer initiator and/or information of a The information of the resource account bound first may be based on the found information of the resource account pre-bound by the resource transfer initiator, to determine a first public resource account of the resource transfer initiator, and may be based on the found information of the resource account pre-bound by the transaction object provider, to determine a second public resource account of the corresponding transaction object provider in the transaction platform.
If the account information pre-registered by the resource transfer initiator and/or the account information pre-registered by the transaction object provider are/is found in the transaction management platform, the public account corresponding to the pre-registered account information can be respectively determined (the pre-registered account information and the public account information can be correspondingly stored in the transaction management platform) based on the account information pre-registered by the resource transfer initiator and/or the account information pre-registered by the transaction object provider found in the transaction management platform, so that the first public resource account of the resource transfer initiator and/or the second public resource account of the corresponding transaction object provider in the transaction platform can be determined.
After acquiring the first public resource account of the resource transfer initiator and the second public resource account of the corresponding transaction object provider in the transaction platform, the transaction management platform may send the resource transfer request to the resource platform corresponding to the first public resource account of the resource transfer initiator, and at the same time, may send the relevant information of the second public resource account of the corresponding transaction object provider in the transaction platform to the resource platform corresponding to the first public resource account of the resource transfer initiator, and after receiving the resource transfer request, the resource platform corresponding to the first public resource account of the resource transfer initiator may analyze the resource transfer request, determine the information of the transaction object therein, and calculate the amount of the resource to be transferred by the transaction object. The resource platform can transfer the occupation permission of the resource with the quantity of the resource to be transferred from the first pair of public resource accounts to the second pair of public resource accounts, thereby executing the resource transfer processing between the first pair of public resource accounts and the second pair of public resource accounts, if the resource transfer processing is successful, a processing result containing the information of the successful resource transfer processing can be generated, and if the resource transfer processing is failed, a processing result containing the information of the failed resource transfer processing can be generated.
It should be noted that, based on the above-mentioned related contents, the resource transfer initiator and the transaction object provider may not need to register corresponding accounts in advance in the transaction management platform, thereby saving the time required for the registration process of the resource transfer initiator and the transaction object provider and improving the efficiency of resource transfer. In addition, the resource transfer initiator and the transaction object provider can also register corresponding accounts in the transaction management platform in advance, so that the management of the related information of the resource transfer initiator, the transaction object provider and the like is facilitated.
In step S106, a processing result of the resource platform performing the resource transfer processing between the first public resource account and the second public resource account is obtained, and the processing result of the resource transfer processing is sent to the transaction platform.
In implementation, the transaction management platform may obtain a processing result of performing resource transfer processing between the first public resource account and the second public resource account from the resource platform, where the specific processing manner may be, for example, the transaction management platform may obtain a processing result of performing resource transfer processing between the first public resource account and the second public resource account from the resource platform in a polling manner, or after obtaining a processing result of performing resource transfer processing between the first public resource account and the second public resource account, the resource platform may actively send the processing result of performing resource transfer processing between the first public resource account and the second public resource account to the transaction management platform, and the like, and may be specifically set according to an actual situation, and this is not limited in this specification.
The transaction management platform can send the processing result of the resource transfer processing to the transaction platform after acquiring the processing result of the resource transfer processing between the first public resource account and the second public resource account performed by the resource platform, and the transaction platform can provide the processing result of the resource transfer processing to the resource transfer initiator after receiving the processing result of the resource transfer processing, wherein if the processing result of the resource transfer processing indicates that the resource transfer processing fails, the resource transfer initiator can determine the reason of the failure of the resource transfer processing, and then can continue to initiate the resource transfer request again.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a transaction platform, the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, thus, uniform service standards and service modes can be provided, so that technical interfaces can be uniform, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
Example two
As shown in fig. 2, an execution subject of the method may be a transaction management platform, where the transaction management platform may be constructed by a server, and the server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an online shopping service, or a background server of an application. The method may specifically comprise the steps of:
in step S202, a resource transfer request sent by the transaction platform is received, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet includes information of a transaction object and a quantity of resources that need to be transferred for the transaction object.
The resource transfer information sheet of the resource transfer initiator included in the resource transfer request may be an information sheet encrypted by a predetermined digital certificate of the resource transfer initiator. The preset digital certificate can be a digital certificate which marks identity information of each communication party in internet communication, people can use the digital certificate to identify the identity of the other party and the like on the internet, and the digital certificate presents the information, data and the like of a network user in computer network traffic in an encrypted or decrypted form, so that the integrity and the safety of the information and the data are ensured. The basic architecture of the digital certificate may be public key PKI, that is, encryption and decryption are performed by using a pair of keys, where the keys include a private key and a public key, the private key may be used for signature and decryption, etc., and the public key may be used for signature verification and encryption, etc.
In implementation, after determining the resource transfer information sheet, the resource transfer initiator may encrypt (or sign) the resource transfer information sheet of the resource transfer initiator through a key in the digital certificate to obtain the encrypted resource transfer information sheet, and then may generate the resource transfer request based on the encrypted resource transfer information sheet. The resource transfer request generated based on the encrypted resource transfer information sheet may be sent to the transaction platform, so that the transaction platform sends the resource transfer request generated based on the encrypted resource transfer information sheet to the transaction management platform, where the specific processing procedure may refer to relevant contents of step S102 in the first embodiment, and details are not described here.
In step S204, a first peer resource account of the resource transfer initiator is acquired.
The processing of step S204 may refer to the related content of step S104 in the first embodiment, and is not described herein again.
In step S206, an escrow account preset for a transaction object provider in the transaction platform is acquired, based on the acquired escrow account, a peer-to-peer account of the resource platform corresponding to the escrow account is determined, and the peer-to-peer account of the resource platform corresponding to the determined escrow account is used as a second peer-to-peer resource account.
In practical applications, the escrow account may also be an account registered by a transaction object provider in the transaction management platform in advance, and the escrow account may be an account managed by the transaction management platform, that is, the escrow account may be processed by the transaction management platform to trigger resource transfer and the like, where the escrow account may not pass through a user or an organization corresponding to the escrow account.
In implementation, the transaction object provider may register a corresponding account in advance in the transaction management platform, and may authorize the transaction management platform to manage resources of the account, and in addition, the transaction object provider may also bind a public-to-public account of the resource platform for the account in advance, and the transaction management platform may approve the account as a managed account of the transaction object provider, and may store the managed account in correspondence with the public-to-public account of the bound resource platform. After the transaction management platform receives the resource transfer request sent by the transaction platform, the resource transfer request can be analyzed to determine the related information of the transaction object provider, then, based on the related information of the transaction object provider, the account information registered in advance by the transaction object provider can be searched in the transaction management platform, the account information registered in advance by the transaction object provider (namely the information of the escrow account) can be searched, based on the searched information of the escrow account registered in advance by the transaction object provider, the information of the bound resource account corresponding to the information of the escrow account can be searched in the corresponding relation, and therefore, a second peer-to-peer resource account of the corresponding transaction object provider in the transaction platform can be determined.
In practical applications, in addition to the second public resource account of the corresponding transaction object provider in the transaction platform obtained through the processing in step S206, the second public resource account of the corresponding transaction object provider in the transaction platform may be determined in various manners, and two alternative processing manners are provided below, which may specifically participate in the following manner one and manner two.
The first method is as follows: and acquiring an escrow account preset for a transaction object provider in the transaction platform, and taking the acquired escrow account as a second public resource account.
The second method comprises the following steps: and acquiring a resource account of a preset financial application of a transaction object provider in the transaction platform, and taking the acquired resource account as a second pair of public resource accounts.
In step S208, the resource transfer request is sent to the resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the amount of the resource to be transferred for the transaction object.
The processing of step S208 may refer to the related content of step S104 in the first embodiment, and is not described herein again.
In step S210, a processing result of the resource platform performing the resource transfer processing between the first pair of public resource accounts and the second pair of public resource accounts is obtained.
The processing of step S210 may refer to the related content of step S106 in the first embodiment, and is not described herein again.
In step S212, the processing result of the resource transfer processing is encrypted based on the predetermined digital certificate of the resource transfer initiator, and the encrypted processing result of the resource transfer processing is obtained.
For a specific processing procedure of the step S212, reference may be made to relevant contents of the step S202 in the first embodiment, which is not described herein again.
In step S214, the encrypted processing result of the resource transfer process is sent to the trading platform, so that the trading platform provides the encrypted processing result of the resource transfer process to the resource transfer initiator.
It should be noted that, after receiving the encrypted processing result of the resource transfer processing sent by the transaction platform, the resource transfer initiator may decrypt the encrypted processing result of the resource transfer processing through the digital certificate to obtain the decrypted processing result of the resource transfer processing.
In practical applications, in order to ensure the security of the data, information or data related to resource transfer may be uploaded to a specified block chain, which may be specifically referred to the processing of step S216 described below.
In step S216, the resource transfer information sheet and/or the processing result of the resource transfer process of the resource transfer initiator are uploaded to a predetermined block chain node, so that the block chain node stores the resource transfer information sheet and/or the processing result of the resource transfer process in a predetermined block chain.
In the implementation, the resource transfer information sheet and/or the processing result of the resource transfer processing are stored through the block chain, so that the security and the non-tamper property of the processing result of the resource transfer information sheet and/or the resource transfer processing can be ensured.
In addition, the transaction management platform may provide a service for querying the resource transfer information sheet for the transaction platform or the resource transfer initiator, so that the transaction platform or the resource transfer initiator can query and manage the related information or data of the resource transfer in time, which may be specifically referred to the processing in steps S218 to S222.
In step S218, the receiving transaction platform sends an information sheet query request, where the information sheet query request includes an identifier of a resource transfer information sheet to be queried.
The identifier of the resource transfer information sheet to be queried may be a single number or a name of the resource transfer information sheet.
In implementation, the transaction platform may set an inquiry mechanism of the resource transfer information sheet according to an actual situation, and correspondingly, the transaction management platform may also set an inquiry mechanism of the resource transfer information sheet, and may set an inquiry page based on the inquiry mechanism, where the inquiry page may include an input frame of an identifier of the resource transfer information sheet, an inquiry result output frame, an inquiry button, a cancel button, and the like. If the resource transfer initiator needs to query a certain resource transfer information sheet, the identifier of the resource transfer information sheet to be queried can be input in the input frame of the identifier of the resource transfer information sheet of the query page, after the input is completed, the query key in the query page can be clicked, at the moment, the transaction platform can acquire the identifier of the resource transfer information sheet to be queried from the input frame of the identifier of the resource transfer information sheet of the query page, then, an information sheet query request can be generated based on the identifier of the resource transfer information sheet to be queried, and the generated information sheet query request is sent to the transaction management platform, so that the transaction management platform can receive the information sheet query request sent by the transaction platform.
In step S220, according to the identifier in the information sheet query request, the target resource transfer information sheet corresponding to the identifier is determined.
In step S222, the determined target resource transfer information sheet is sent to the trading platform.
In addition, the transaction management platform may be used for resource rollback service, which may be specifically referred to in the following processing of steps S224 to S230.
In step S224, the receiving trading platform sends a resource rollback request, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator.
In step S226, the information of the transaction object and the amount of the resource transferred to the transaction object, which are included in the resource transfer information sheet, are acquired according to the identifier of the resource transfer information sheet.
In step S228, a resource rollback request is sent to a resource platform corresponding to a second pair of public resource accounts of a transaction object provider in the transaction platform, so as to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the amount of resources transferred for the transaction object.
In implementation, after the transaction management platform acquires the information of the transaction object and the amount of the resource transferred for the transaction object, which are contained in the resource transfer information sheet, a resource rollback request may be sent to a resource platform corresponding to a second pair of public resource accounts of the trading object provider in the trading platform, meanwhile, the related information of the second pair of public resource accounts of the corresponding transaction object provider in the transaction platform and the related information of the first pair of public resource accounts of the resource transfer initiator can be sent to the resource platform corresponding to the second pair of public resource accounts of the transaction object provider in the transaction platform, after the resource platform corresponding to the second pair of public resource accounts of the transaction object provider in the transaction platform receives the resource rollback request, the resource rollback request may be analyzed to determine information of the transaction object therein, and to calculate the amount of resources that the transaction object needs to transfer. The resource platform can transfer the occupation authority of the resource with the quantity of the resource to be transferred to the first public resource account from the second public resource account, so as to execute the resource rollback processing between the second public resource account and the first public resource account, if the resource rollback processing is successful, a processing result containing the information that the resource transfer processing is successful can be generated, and if the resource rollback processing is failed, a processing result containing the information that the resource transfer processing is failed can be generated.
In step S230, a processing result of resource rollback processing between the first public resource account and the second public resource account performed by the resource platform corresponding to the second public resource account is obtained, and the processing result of the resource rollback processing is sent to the transaction platform.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a transaction platform, the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, thus, uniform service standards and service modes can be provided, so that technical interfaces can be uniform, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
EXAMPLE III
As shown in fig. 3, an execution subject of the method may be a transaction platform, where the transaction platform may be constructed by a server, the server may be an independent server, or may be a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an online shopping service, or may be a background server of an application. The method may specifically comprise the steps of:
in step S302, a resource transfer request sent by a resource transfer initiator is received, where the resource transfer request includes a resource transfer information sheet, and the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object.
In step S304, the resource transfer request is sent to the transaction management platform, so that the transaction management platform obtains a first pair of public resource accounts of the resource transfer initiator and a second pair of public resource accounts of the corresponding transaction object providers in the transaction platform, and sends the resource transfer request to the resource platform corresponding to the first pair of public resource accounts of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first pair of public resource accounts and the second pair of public resource accounts based on the information of the transaction object and the amount of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing.
In step S306, the processing result of the resource transfer processing sent by the transaction management platform is received.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a resource transfer initiator, the resource transfer request comprises a resource transfer information sheet, the resource transfer information sheet comprises information of a transaction object and the quantity of resources to be transferred aiming at the transaction object, the resource transfer request is sent to a transaction management platform, so that the transaction management platform acquires a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred aiming at the transaction object, the processing result of the resource transfer processing is obtained, so that unified service standards and service modes can be provided, technical interfaces can be unified, the docking efficiency is improved, the docking cost is reduced, in addition, the experience of the payment mode of the transaction platform for enterprises or organizations and the like to public accounts is improved, the processing efficiency is improved, and the service development of the transaction platform is greatly promoted.
Example four
As shown in fig. 4, an execution subject of the method may be a transaction platform, where the transaction platform may be constructed by a server, the server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an online shopping service, or a background server of an application. The method may specifically comprise the steps of:
in step S402, a resource transfer request sent by a resource transfer initiator is received, where the resource transfer request includes a resource transfer information sheet, and the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object.
In step S404, the resource transfer request is sent to the transaction management platform, so that the transaction management platform obtains a first pair of public resource accounts of the resource transfer initiator and a second pair of public resource accounts of the corresponding transaction object providers in the transaction platform, and sends the resource transfer request to the resource platform corresponding to the first pair of public resource accounts of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first pair of public resource accounts and the second pair of public resource accounts based on the information of the transaction object and the amount of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing.
In step S406, the processing result of the resource transfer processing transmitted by the transaction management platform is received.
In addition, the transaction platform and the transaction management platform may provide a resource transfer information sheet query service for the resource transfer initiator, so that the resource transfer initiator can query and manage the related information or data of the resource transfer in time, which may be specifically referred to the processing in steps S408 to S412.
In step S408, an information form query request sent by the resource transfer initiator is received, where the information form query request includes an identifier of a resource transfer information form to be queried.
In step S410, the information sheet query request is sent to the transaction management platform, so that the transaction management platform determines the target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request.
In step S412, the target resource transfer information sheet returned by the transaction management platform is received, and the target resource transfer information sheet is provided to the resource transfer initiator.
In addition, the transaction management platform may be used for resource rollback service, which may be specifically referred to in the following processing of steps S414 to S418.
In step S414, a resource rollback request sent by the resource transfer initiator is received, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator.
In step S416, the resource rollback request is sent to the transaction management platform, so that the transaction management platform obtains the information of the transaction object and the amount of the resource transferred to the transaction object, which are included in the resource transfer information sheet, according to the identifier of the resource transfer information sheet, and sends the resource rollback request to the resource platform corresponding to the second pair of public resource accounts of the transaction object provider in the transaction platform, so as to trigger the resource platform corresponding to the second pair of public resource accounts to perform the resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the amount of the resource transferred to the transaction object, and obtain the processing result of the resource platform corresponding to the second pair of public resource accounts to perform the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts.
In step S418, a processing result of resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts performed by the resource platform corresponding to the second pair of public resource accounts, which is sent by the transaction management platform, is received, and the processing result of the resource rollback processing is provided to the resource transfer initiator.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a resource transfer initiator, the resource transfer request comprises a resource transfer information sheet, the resource transfer information sheet comprises information of a transaction object and the quantity of resources to be transferred aiming at the transaction object, the resource transfer request is sent to a transaction management platform, so that the transaction management platform acquires a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred aiming at the transaction object, the processing result of the resource transfer processing is obtained, so that unified service standards and service modes can be provided, technical interfaces can be unified, the docking efficiency is improved, the docking cost is reduced, in addition, the experience of the payment mode of the transaction platform for enterprises or organizations and the like to public accounts is improved, the processing efficiency is improved, and the service development of the transaction platform is greatly promoted.
EXAMPLE five
As shown in fig. 5, an execution subject of the method may be a transaction management platform and a transaction platform, where both the transaction management platform and the transaction platform may be constructed by a server, the server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an internet shopping service, or a background server of an application. The method may specifically comprise the steps of:
in step S502, the transaction platform receives a resource transfer request sent by a resource transfer initiator, where the resource transfer request includes a resource transfer information sheet of the resource transfer initiator, and the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object.
In step S504, the transaction management platform receives the resource transfer request sent by the transaction platform.
In step S506, the transaction management platform obtains a first peer resource account of the resource transfer initiator.
In step S508, the transaction management platform acquires an escrow account preset for a transaction object provider in the transaction platform, determines a peer-to-peer account of the resource platform corresponding to the escrow account based on the acquired escrow account, and takes the peer-to-peer account of the resource platform corresponding to the determined escrow account as a second peer-to-peer resource account.
In step S510, the transaction management platform sends the resource transfer request to a resource platform corresponding to a first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and a second public resource account based on the information of the transaction object and the amount of resources to be transferred for the transaction object.
In step S512, the transaction management platform obtains a processing result of the resource platform performing resource transfer processing between the first peer resource account and the second peer resource account.
In step S514, the transaction management platform encrypts the processing result of the resource transfer processing based on the predetermined digital certificate of the resource transfer initiator to obtain the encrypted processing result of the resource transfer processing.
In step S516, the transaction management platform sends the encrypted processing result of the resource transfer process to the transaction platform.
In step S518, the trading platform provides the encrypted processing result of the resource transfer process to the resource transfer initiator.
In practical applications, in order to ensure the security of data, information or data related to resource transfer may be uploaded to a designated block chain, which may specifically refer to the following processing: uploading the resource transfer information sheet and/or the processing result of the resource transfer processing of the resource transfer initiator to a predetermined block chain node, so that the block chain node stores the resource transfer information sheet and/or the processing result of the resource transfer processing into a predetermined block chain.
In addition, the transaction management platform may provide a service for querying the resource transfer information sheet for the transaction platform or the resource transfer initiator, so that the transaction platform or the resource transfer initiator can query and manage the related information or data of the resource transfer in time, which may be specifically referred to the processing in steps S520 to S526 below.
In step S520, the transaction platform receives an information sheet query request sent by the resource transfer initiator, where the information sheet query request includes an identifier of a resource transfer information sheet to be queried.
In step S522, the trading platform sends the information sheet query request to the trading management platform.
In step S524, the transaction management platform determines the target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request.
In step S526, the trading management platform sends the determined target resource transfer information sheet to the trading platform.
In addition, the transaction management platform may be used for resource rollback service, which may be specifically referred to in the following processing of steps S528 to S538.
In step S528, the transaction platform receives a resource rollback request sent by the resource transfer initiator, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator.
In step S530, the trading platform sends a resource rollback request to the trading management platform.
In step S532, the transaction management platform obtains the information of the transaction object and the amount of the resource transferred for the transaction object, which are included in the resource transfer information sheet, according to the identifier of the resource transfer information sheet.
In step S534, the transaction management platform sends a resource rollback request to a resource platform corresponding to a second public resource account of a transaction object provider in the transaction platform, so as to trigger the resource platform corresponding to the second public resource account to perform resource rollback processing between the second public resource account and the first public resource account based on the information of the transaction object and the amount of resources transferred for the transaction object.
In step S536, the transaction management platform obtains a processing result of the resource platform corresponding to the second pair of public resource accounts performing the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts, and sends the processing result of the resource rollback processing to the transaction platform.
In step S538, the transaction platform provides the processing result of the resource rollback processing to the resource transfer initiator.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a transaction platform, the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, thus, uniform service standards and service modes can be provided, so that technical interfaces can be uniform, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
EXAMPLE six
In this embodiment, a detailed description will be made of the resource transfer method provided in the embodiment of the present invention with reference to a specific application scenario, where the corresponding application scenario is an online application scenario for public payment, the resource transfer request may be a request for public payment, the resource transfer information sheet is an order, the resource quantity may be a money amount, and the identifier of the resource transfer information sheet may be an identifier of the order, such as an order number. The first public resource account is a first public bank account, the second public resource account is a second public bank account, the resource platform is a bank platform, the resource transfer processing is public payment processing, and the resource rollback is refund.
As shown in fig. 6, an execution subject of the method may be a transaction management platform and a transaction platform, where both the transaction management platform and the transaction platform may be constructed by a server, the server may be an independent server, or a server cluster formed by a plurality of servers, and the server may be a background server of a financial service or an internet shopping service, or a background server of an application. The method may specifically comprise the steps of:
in step S602, the trading platform receives a request for public payment sent by the resource transfer initiator, where the request for public payment includes an order of the resource transfer initiator, and the order includes information of the trading object and an amount of money to be transferred for the trading object.
In step S604, the transaction management platform receives the request for public payment sent by the transaction platform.
In step S606, the transaction management platform obtains a first public bank account of the resource transfer initiator.
In step S608, the transaction management platform acquires an escrow account preset for a transaction object provider in the transaction platform, determines a peer-to-peer account of a bank platform corresponding to the escrow account based on the acquired escrow account, and takes the peer-to-peer account of the bank platform corresponding to the determined escrow account as a second peer-to-peer bank account.
In step S610, the transaction management platform sends the request for payment to a bank platform corresponding to the first bank account of the resource transfer initiator, so as to trigger the bank platform to perform payment to the public between the first bank account and the second bank account based on the information of the transaction object and the amount of money to be transferred for the transaction object.
In step S612, the transaction management platform obtains a processing result of the bank platform performing the processing of the payroll between the first and second public bank accounts.
In step S614, the transaction management platform encrypts the processing result of the payroll processing based on the predetermined digital certificate of the resource transfer initiator to obtain an encrypted processing result of the payroll processing.
In step S616, the transaction management platform sends the encrypted processing result of the payroll processing to the transaction platform.
In step S618, the transaction platform provides the encrypted processing result of the payroll processing to the resource transfer initiator.
In practical applications, in order to ensure the security of data, information or data related to public payment may be uploaded to a designated block chain, and the following processing may be specifically referred to: and uploading the order of the resource transfer initiator and/or the processing result of the public payment processing to a preset block chain node, so that the block chain node stores the order and/or the processing result of the public payment processing in the preset block chain.
In addition, the transaction management platform may provide an order query service for the transaction platform or the resource transfer initiator, so that the transaction platform or the resource transfer initiator can query and manage the related information or data of the public payment in time, which may be specifically referred to the processing in steps S620 to S626.
In step S620, the trading platform receives an order query request sent by the resource transfer initiator, where the order query request includes an identifier of an order to be queried.
In step S622, the trading platform sends the order query request to the trading management platform.
In step S624, the transaction management platform determines the target order corresponding to the identifier according to the identifier in the order query request.
In step S626, the trading management platform sends the determined target order to the trading platform.
In addition, the transaction management platform can be used for refund services, which can be specifically referred to the processing of steps S628 to S638.
In step S628, the trading platform receives a refund request sent by the resource transfer initiator, where the refund request includes an identifier of an order of the resource transfer initiator.
In step S630, the trading platform sends a refund request to the trading management platform.
In step S632, the transaction management platform obtains the information of the transaction object included in the order and the amount of money transferred for the transaction object according to the identifier of the order.
In step S634, the transaction management platform sends a refund request to a bank platform corresponding to a second couple of public bank accounts of a transaction object provider in the transaction platform, so as to trigger the bank platform corresponding to the second couple of public bank accounts to perform a refund process between the second couple of public bank accounts and the first couple of public bank accounts based on the information of the transaction object and the amount of money transferred for the transaction object.
In step S636, the transaction management platform obtains a processing result of the bank platform corresponding to the second couple of public bank accounts for performing the refund processing between the first couple of public bank accounts and the second couple of public bank accounts, and sends the processing result of the refund processing to the transaction platform.
In step S638, the transaction platform provides the processing result of the refund processing to the resource transfer initiator.
The embodiment of the specification provides a resource transfer method, which receives a resource transfer request sent by a transaction platform, the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, thus, uniform service standards and service modes can be provided, so that technical interfaces can be uniform, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
EXAMPLE seven
Based on the same idea, the resource transfer method provided in the embodiment of the present specification further provides a resource transfer device, as shown in fig. 7.
The resource transfer apparatus includes: a first receiving module 701, a resource transferring module 702, and a first result sending module 703, wherein:
a first receiving module 701, configured to receive a resource transfer request sent by a transaction platform, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object;
a resource transfer module 702, configured to obtain a first public resource account pair of the resource transfer initiator and a second public resource account pair of the corresponding transaction object provider in the transaction platform, and send the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the amount of resources to be transferred for the transaction object;
the first result sending module 703 is configured to obtain a processing result of the resource platform performing the resource transfer processing between the first public resource account pair and the second public resource account pair, and send the processing result of the resource transfer processing to the transaction platform.
In this embodiment of the present specification, the resource transfer module 702 obtains a escrow account preset for the transaction object provider in the transaction platform, and uses the obtained escrow account as the second peer resource account; or acquiring a resource account of a preset financial application of the transaction object provider in the transaction platform, and taking the acquired resource account as the second public resource account; or acquiring an escrow account preset for the transaction object provider in the transaction platform, determining a public-to-public account of the resource platform corresponding to the escrow account based on the acquired escrow account, and taking the determined public-to-public account of the resource platform corresponding to the escrow account as the second public-to-public resource account.
In an embodiment of this specification, the apparatus further includes:
the second receiving module is used for receiving an information sheet query request sent by the trading platform, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
the information sheet determining module is used for determining a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and the information sheet sending module is used for sending the determined target resource transfer information sheet to the trading platform.
In an embodiment of this specification, the apparatus further includes:
a third receiving module, configured to receive a resource rollback request sent by the transaction platform, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator;
the information acquisition module is used for acquiring the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, which are contained in the resource transfer information sheet, according to the identifier of the resource transfer information sheet;
the resource rollback module is used for sending the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform so as to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of resources transferred aiming at the transaction object;
and the second result sending module is used for acquiring a processing result of resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by a resource platform corresponding to the second pair of public resource accounts and sending the processing result of the resource rollback processing to the trading platform.
In an embodiment of this specification, the apparatus further includes:
the information uploading module uploads the resource transfer information sheet of the resource transfer initiator and/or the processing result of the resource transfer processing to a predetermined block link point, so that the block link point stores the resource transfer information sheet and/or the processing result of the resource transfer processing in a predetermined block chain.
In this embodiment of the present specification, the resource transfer information sheet of the resource transfer initiator included in the resource transfer request is an information sheet encrypted by a predetermined digital certificate of the resource transfer initiator,
the first result sending module 703 includes:
the encryption unit is used for encrypting the processing result of the resource transfer processing based on the preset digital certificate of the resource transfer initiator to obtain the encrypted processing result of the resource transfer processing;
and the result sending unit is used for sending the encrypted processing result of the resource transfer processing to the trading platform so that the trading platform provides the encrypted processing result of the resource transfer processing to the resource transfer initiator.
The embodiment of the present specification provides a resource transfer device, which receives a resource transfer request sent by a transaction platform, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, so that a uniform service standard and a uniform service mode can be provided, and technical interfaces can be uniform, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
Example eight
Based on the same idea, an embodiment of the present specification further provides a resource transfer apparatus, as shown in fig. 8.
The resource transfer apparatus includes: a first receiving module 801, a first information sending module 802 and a second receiving module 803, wherein:
a first receiving module 801, configured to receive a resource transfer request sent by a resource transfer initiator, where the resource transfer request includes a resource transfer information sheet, and the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object;
a first information sending module 802, configured to send the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the amount of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
the second receiving module 803 receives the processing result of the resource transfer processing sent by the transaction management platform.
In an embodiment of this specification, the apparatus further includes:
a third receiving module, configured to receive an information sheet query request sent by the resource transfer initiator, where the information sheet query request includes an identifier of a resource transfer information sheet to be queried;
the second information sending module is used for sending the information sheet query request to the transaction management platform so that the transaction management platform determines a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and the information sheet receiving module is used for receiving the target resource transfer information sheet returned by the transaction management platform and providing the target resource transfer information sheet for the resource transfer initiator.
In an embodiment of this specification, the apparatus further includes:
a fourth receiving module, configured to receive a resource rollback request sent by the resource transfer initiator, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator;
a third information sending module, configured to send the resource rollback request to the transaction management platform, so that the transaction management platform obtains, according to the identifier of the resource transfer information sheet, information of a transaction object and the amount of resources transferred to the transaction object, where the information of the transaction object is included in the resource transfer information sheet, and sends the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform, triggering a resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, and acquiring a processing result of performing the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by the resource platform corresponding to the second pair of public resource accounts;
a fifth receiving module, configured to receive a processing result of resource rollback processing performed between the first public resource account and the second public resource account by the resource platform corresponding to the second public resource account, where the processing result of the resource rollback processing is sent by the transaction management platform, and provide the processing result of the resource rollback processing to the resource transfer initiator.
The embodiment of the present specification provides a resource transfer device, which receives a resource transfer request sent by a resource transfer initiator, where the resource transfer request includes a resource transfer information sheet, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, sends the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first peer resource account of the resource transfer initiator and a second peer resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first peer resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first peer resource account and the second peer resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, the processing result of the resource transfer processing is obtained, so that unified service standards and service modes can be provided, technical interfaces can be unified, the docking efficiency is improved, the docking cost is reduced, in addition, the experience of the payment mode of the transaction platform for enterprises or organizations and the like to public accounts is improved, the processing efficiency is improved, and the service development of the transaction platform is greatly promoted.
Example nine
Based on the same idea, the resource transfer apparatus provided in the embodiment of the present specification further provides a resource transfer device, as shown in fig. 9.
The resource transfer device may be the resource transfer device provided in the foregoing embodiment, and the resource transfer device may be a server or the like.
Resource transfer devices may vary widely in configuration or performance and may include one or more processors 901 and memory 902, where the memory 902 may store one or more stored applications or data. Memory 902 may be, among other things, transient storage or persistent storage. The application program stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions for the resource transfer device. Still further, the processor 901 may be configured to communicate with the memory 902 to execute a series of computer-executable instructions in the memory 902 on the resource transfer device. The resource transfer apparatus may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input-output interfaces 905, one or more keyboards 906.
In particular, in this embodiment, the resource transfer device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource transfer device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:
receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred for the transaction object;
and acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
In an embodiment of this specification, the acquiring a second public resource account of the transaction object provider in the transaction platform includes:
acquiring a preset escrow account for the transaction object provider in the transaction platform, and taking the acquired escrow account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring a resource account of a preset financial application of the transaction object provider in the transaction platform, and taking the acquired resource account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring an escrow account preset for the transaction object provider in the transaction platform, determining a peer-to-peer account of a resource platform corresponding to the escrow account based on the acquired escrow account, and taking the determined peer-to-peer account of the resource platform corresponding to the escrow account as the second peer-to-peer resource account.
In the embodiment of this specification, the method further includes:
receiving an information sheet query request sent by the trading platform, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
determining a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and sending the determined target resource transfer information sheet to the trading platform.
In the embodiment of this specification, the method further includes:
receiving a resource rollback request sent by the trading platform, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
acquiring the information of the transaction object and the quantity of the resources transferred aiming at the transaction object contained in the resource transfer information sheet according to the identifier of the resource transfer information sheet;
sending the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the amount of resources transferred aiming at the transaction object;
and acquiring a processing result of resource rollback processing between the first public resource account and the second public resource account by a resource platform corresponding to the second public resource account, and sending the processing result of the resource rollback processing to the transaction platform.
In the embodiment of this specification, the method further includes:
uploading the resource transfer information sheet of the resource transfer initiator and/or the processing result of the resource transfer processing to a predetermined block link point, so that the block link point stores the resource transfer information sheet and/or the processing result of the resource transfer processing in a predetermined block chain.
In this embodiment of the present specification, the resource transfer information sheet of the resource transfer initiator included in the resource transfer request is an information sheet encrypted by a predetermined digital certificate of the resource transfer initiator,
the sending the processing result of the resource transfer processing to the trading platform includes:
encrypting the processing result of the resource transfer processing based on a preset digital certificate of the resource transfer initiator to obtain the encrypted processing result of the resource transfer processing;
and sending the encrypted processing result of the resource transfer processing to the trading platform so that the trading platform provides the encrypted processing result of the resource transfer processing to the resource transfer initiator.
Further, in particular embodiments, the resource transfer device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource transfer device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:
receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
and receiving the processing result of the resource transfer processing sent by the transaction management platform.
In the embodiment of this specification, the method further includes:
receiving an information sheet query request sent by the resource transfer initiator, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
sending the information sheet query request to the transaction management platform, so that the transaction management platform determines a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and receiving the target resource transfer information sheet returned by the transaction management platform, and providing the target resource transfer information sheet to the resource transfer initiator.
In the embodiment of this specification, the method further includes:
receiving a resource rollback request sent by the resource transfer initiator, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
sending the resource rollback request to the transaction management platform so that the transaction management platform acquires the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, which are contained in the resource transfer information sheet, according to the identifier of the resource transfer information sheet, and sends the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform, triggering a resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, and acquiring a processing result of performing the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by the resource platform corresponding to the second pair of public resource accounts;
and receiving a processing result of resource rollback processing between the first public resource account and the second public resource account performed by the resource platform corresponding to the second public resource account, which is sent by the transaction management platform, and providing the processing result of the resource rollback processing to the resource transfer initiator.
The embodiment of the present specification provides a resource transfer device, which receives a resource transfer request sent by a transaction platform, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and thus, a unified service standard and a service mode can be provided, so that technical interfaces can be unified, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
Example ten
Further, based on the methods shown in fig. 1 to fig. 2, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instruction information, in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and when the storage medium stores the computer-executable instruction information, the storage medium implements the following processes:
receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred for the transaction object;
and acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
In an embodiment of this specification, the acquiring a second public resource account of the transaction object provider in the transaction platform includes:
acquiring a preset escrow account for the transaction object provider in the transaction platform, and taking the acquired escrow account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring a resource account of a preset financial application of the transaction object provider in the transaction platform, and taking the acquired resource account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring an escrow account preset for the transaction object provider in the transaction platform, determining a peer-to-peer account of a resource platform corresponding to the escrow account based on the acquired escrow account, and taking the determined peer-to-peer account of the resource platform corresponding to the escrow account as the second peer-to-peer resource account.
In the embodiment of this specification, the method further includes:
receiving an information sheet query request sent by the trading platform, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
determining a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and sending the determined target resource transfer information sheet to the trading platform.
In the embodiment of this specification, the method further includes:
receiving a resource rollback request sent by the trading platform, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
acquiring the information of the transaction object and the quantity of the resources transferred aiming at the transaction object contained in the resource transfer information sheet according to the identifier of the resource transfer information sheet;
sending the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the amount of resources transferred aiming at the transaction object;
and acquiring a processing result of resource rollback processing between the first public resource account and the second public resource account by a resource platform corresponding to the second public resource account, and sending the processing result of the resource rollback processing to the transaction platform.
In the embodiment of this specification, the method further includes:
uploading the resource transfer information sheet of the resource transfer initiator and/or the processing result of the resource transfer processing to a predetermined block link point, so that the block link point stores the resource transfer information sheet and/or the processing result of the resource transfer processing in a predetermined block chain.
In this embodiment of the present specification, the resource transfer information sheet of the resource transfer initiator included in the resource transfer request is an information sheet encrypted by a predetermined digital certificate of the resource transfer initiator,
the sending the processing result of the resource transfer processing to the trading platform includes:
encrypting the processing result of the resource transfer processing based on a preset digital certificate of the resource transfer initiator to obtain the encrypted processing result of the resource transfer processing;
and sending the encrypted processing result of the resource transfer processing to the trading platform so that the trading platform provides the encrypted processing result of the resource transfer processing to the resource transfer initiator.
Further, based on the methods shown in fig. 3 to fig. 4, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instruction information, in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, or the like, and when the storage medium stores the computer-executable instruction information, the storage medium implements the following processes:
receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
and receiving the processing result of the resource transfer processing sent by the transaction management platform.
In the embodiment of this specification, the method further includes:
receiving an information sheet query request sent by the resource transfer initiator, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
sending the information sheet query request to the transaction management platform, so that the transaction management platform determines a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and receiving the target resource transfer information sheet returned by the transaction management platform, and providing the target resource transfer information sheet to the resource transfer initiator.
In the embodiment of this specification, the method further includes:
receiving a resource rollback request sent by the resource transfer initiator, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
sending the resource rollback request to the transaction management platform so that the transaction management platform acquires the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, which are contained in the resource transfer information sheet, according to the identifier of the resource transfer information sheet, and sends the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform, triggering a resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, and acquiring a processing result of performing the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by the resource platform corresponding to the second pair of public resource accounts;
and receiving a processing result of resource rollback processing between the first public resource account and the second public resource account performed by the resource platform corresponding to the second public resource account, which is sent by the transaction management platform, and providing the processing result of the resource rollback processing to the resource transfer initiator.
The embodiment of the present specification provides a storage medium, which receives a resource transfer request sent by a transaction platform, where the resource transfer request includes a resource transfer information sheet of a resource transfer initiator, the resource transfer information sheet includes information of a transaction object and a quantity of resources to be transferred for the transaction object, obtains a first public resource account of the resource transfer initiator and a second public resource account of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account of the resource transfer initiator, so as to trigger the resource platform to perform a resource transfer process between the first public resource account and the second public resource account based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, so that a unified service standard and a service mode can be provided, and thus technical interfaces can be unified, the method and the system improve the docking efficiency, reduce the docking cost, improve the experience of the transaction platform in terms of payment modes of public accounts for enterprises or organizations and the like, and improve the processing efficiency, thereby greatly promoting the business development of the transaction platform.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
In the 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 system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing 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, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), Lava, Lola, HDL, PALASM, rhyd (Hardware Description Language), and the like, which are currently used in the field-Hardware Language. 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 various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable resource transfer device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable resource transfer device, 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 resource transfer device 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 resource transfer device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer implemented process such that the instructions which execute on the computer or other programmable device provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims (18)

1. A method of resource transfer, the method comprising:
receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred for the transaction object;
and acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
2. The method of claim 1, the obtaining a second pair of public resource accounts of the transaction object provider in the transaction platform, comprising:
acquiring a preset escrow account for the transaction object provider in the transaction platform, and taking the acquired escrow account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring a resource account of a preset financial application of the transaction object provider in the transaction platform, and taking the acquired resource account as the second public resource account; alternatively, the first and second electrodes may be,
acquiring an escrow account preset for the transaction object provider in the transaction platform, determining a peer-to-peer account of a resource platform corresponding to the escrow account based on the acquired escrow account, and taking the determined peer-to-peer account of the resource platform corresponding to the escrow account as the second peer-to-peer resource account.
3. The method of claim 1 or 2, further comprising:
receiving an information sheet query request sent by the trading platform, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
determining a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and sending the determined target resource transfer information sheet to the trading platform.
4. The method of claim 3, further comprising:
receiving a resource rollback request sent by the trading platform, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
acquiring the information of the transaction object and the quantity of the resources transferred aiming at the transaction object contained in the resource transfer information sheet according to the identifier of the resource transfer information sheet;
sending the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the amount of resources transferred aiming at the transaction object;
and acquiring a processing result of resource rollback processing between the first public resource account and the second public resource account by a resource platform corresponding to the second public resource account, and sending the processing result of the resource rollback processing to the transaction platform.
5. The method of claim 4, further comprising:
uploading the resource transfer information sheet of the resource transfer initiator and/or the processing result of the resource transfer processing to a predetermined block link point, so that the block link point stores the resource transfer information sheet and/or the processing result of the resource transfer processing in a predetermined block chain.
6. The method according to claim 1, wherein the resource transfer information sheet of the resource transfer initiator included in the resource transfer request is an information sheet encrypted by a predetermined digital certificate of the resource transfer initiator,
the sending the processing result of the resource transfer processing to the trading platform includes:
encrypting the processing result of the resource transfer processing based on a preset digital certificate of the resource transfer initiator to obtain the encrypted processing result of the resource transfer processing;
and sending the encrypted processing result of the resource transfer processing to the trading platform so that the trading platform provides the encrypted processing result of the resource transfer processing to the resource transfer initiator.
7. A method of resource transfer, the method comprising:
receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
and receiving the processing result of the resource transfer processing sent by the transaction management platform.
8. The method of claim 7, further comprising:
receiving an information sheet query request sent by the resource transfer initiator, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
sending the information sheet query request to the transaction management platform, so that the transaction management platform determines a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and receiving the target resource transfer information sheet returned by the transaction management platform, and providing the target resource transfer information sheet to the resource transfer initiator.
9. The method of claim 7, further comprising:
receiving a resource rollback request sent by the resource transfer initiator, wherein the resource rollback request comprises an identifier of a resource transfer information sheet of the resource transfer initiator;
sending the resource rollback request to the transaction management platform so that the transaction management platform acquires the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, which are contained in the resource transfer information sheet, according to the identifier of the resource transfer information sheet, and sends the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform, triggering a resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, and acquiring a processing result of performing the resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by the resource platform corresponding to the second pair of public resource accounts;
and receiving a processing result of resource rollback processing between the first public resource account and the second public resource account performed by the resource platform corresponding to the second public resource account, which is sent by the transaction management platform, and providing the processing result of the resource rollback processing to the resource transfer initiator.
10. An apparatus for resource transfer, the apparatus comprising:
the first receiving module is used for receiving a resource transfer request sent by a trading platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a trading object and the quantity of resources required to be transferred aiming at the trading object;
the resource transfer module is used for acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred aiming at the transaction object;
and the first result sending module is used for acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account and sending the processing result of the resource transfer processing to the transaction platform.
11. The apparatus according to claim 10, wherein the resource transfer module acquires an escrow account preset for the transaction object provider in the transaction platform, and takes the acquired escrow account as the second peer resource account; or acquiring a resource account of a preset financial application of the transaction object provider in the transaction platform, and taking the acquired resource account as the second public resource account; or acquiring an escrow account preset for the transaction object provider in the transaction platform, determining a public-to-public account of the resource platform corresponding to the escrow account based on the acquired escrow account, and taking the determined public-to-public account of the resource platform corresponding to the escrow account as the second public-to-public resource account.
12. The apparatus of claim 10 or 11, further comprising:
the second receiving module is used for receiving an information sheet query request sent by the trading platform, wherein the information sheet query request comprises an identifier of a resource transfer information sheet to be queried;
the information sheet determining module is used for determining a target resource transfer information sheet corresponding to the identifier according to the identifier in the information sheet query request;
and the information sheet sending module is used for sending the determined target resource transfer information sheet to the trading platform.
13. The apparatus of claim 12, the apparatus further comprising:
a third receiving module, configured to receive a resource rollback request sent by the transaction platform, where the resource rollback request includes an identifier of a resource transfer information sheet of the resource transfer initiator;
the information acquisition module is used for acquiring the information of the transaction object and the quantity of the resources transferred aiming at the transaction object, which are contained in the resource transfer information sheet, according to the identifier of the resource transfer information sheet;
the resource rollback module is used for sending the resource rollback request to a resource platform corresponding to a second pair of public resource accounts of the transaction object provider in the transaction platform so as to trigger the resource platform corresponding to the second pair of public resource accounts to perform resource rollback processing between the second pair of public resource accounts and the first pair of public resource accounts based on the information of the transaction object and the quantity of resources transferred aiming at the transaction object;
and the second result sending module is used for acquiring a processing result of resource rollback processing between the first pair of public resource accounts and the second pair of public resource accounts by a resource platform corresponding to the second pair of public resource accounts and sending the processing result of the resource rollback processing to the trading platform.
14. An apparatus for resource transfer, the apparatus comprising:
the first receiving module is used for receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred aiming at the transaction object;
the first information sending module is used for sending the resource transfer request to a transaction management platform so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred aiming at the transaction object, and obtain a processing result of the resource transfer processing;
and the second receiving module is used for receiving the processing result of the resource transfer processing sent by the transaction management platform.
15. A resource transfer apparatus, the resource transfer apparatus comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred for the transaction object;
and acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
16. A storage medium for storing computer-executable instructions, which when executed implement the following:
receiving a resource transfer request sent by a transaction platform, wherein the resource transfer request comprises a resource transfer information sheet of a resource transfer initiator, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
acquiring a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sending the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources required to be transferred for the transaction object;
and acquiring a processing result of the resource platform for resource transfer processing between the first public resource account and the second public resource account, and sending the processing result of the resource transfer processing to the transaction platform.
17. A resource transfer apparatus, the resource transfer apparatus comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to:
receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
and receiving the processing result of the resource transfer processing sent by the transaction management platform.
18. A storage medium for storing computer-executable instructions, which when executed implement the following:
receiving a resource transfer request sent by a resource transfer initiator, wherein the resource transfer request comprises a resource transfer information sheet, and the resource transfer information sheet comprises information of a transaction object and the quantity of resources required to be transferred for the transaction object;
sending the resource transfer request to a transaction management platform, so that the transaction management platform obtains a first public resource account pair of the resource transfer initiator and a second public resource account pair of a corresponding transaction object provider in the transaction platform, and sends the resource transfer request to a resource platform corresponding to the first public resource account pair of the resource transfer initiator, so as to trigger the resource platform to perform resource transfer processing between the first public resource account pair and the second public resource account pair based on the information of the transaction object and the quantity of resources to be transferred for the transaction object, and obtain a processing result of the resource transfer processing;
and receiving the processing result of the resource transfer processing sent by the transaction management platform.
CN202010757346.1A 2020-07-31 2020-07-31 Resource transfer method, device and equipment Pending CN111738705A (en)

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