CN114255021A

CN114255021A - Resource transfer method, device, medium and electronic equipment

Info

Publication number: CN114255021A
Application number: CN202210074085.2A
Authority: CN
Inventors: 李建涛
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-09-24
Filing date: 2020-09-24
Publication date: 2022-03-29

Abstract

The application belongs to the technical field of computers and networks, and particularly relates to a resource transfer method, device, medium and electronic equipment. The method comprises the following steps: acquiring sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform; acquiring account identification information of a receiver of the resource receiver responding to the resource transfer service on a current resource service platform; if the sender resource service platform and the receiver resource service platform are identified to be different platforms, a cross-platform resource transfer request corresponding to the resource transfer service is forwarded between the sender resource service platform and the receiver resource service platform through the service intercommunication platform, and resources in a sender resource account are transferred to a receiver resource account according to the cross-platform resource transfer request. The method can improve the wide applicability and transaction flexibility of resource transfer transaction.

Description

Resource transfer method, device, medium and electronic equipment

The present application is a divisional application of an invention patent application having an application number of 202011017466.4, an application date of 2020, 9/24, and an invention title of "resource transfer method, apparatus, medium, and electronic device".

Technical Field

The present application belongs to the field of computer and network technologies, and in particular, to a resource transfer method, a resource transfer apparatus, a computer-readable medium, and an electronic device.

Background

With the development of computer and network technologies, resource management and transaction based on network platforms have become an indispensable part of people's daily life. The resource management transaction service through the internet technology has the advantages of strong real-time performance and high safety degree, but also has the problem of high dependence degree on a network platform. In actual transaction activities, the degree of intercommunication and interconnection between network platforms is limited, so that the problems of limited transaction range and poor transaction flexibility exist in resource transaction.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present application and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.

Disclosure of Invention

The application aims to provide a resource transfer method, a resource transfer device, a computer readable medium and an electronic device, which can overcome the technical problems of limited transaction range, poor transaction flexibility and the like in resource transaction at least to a certain extent.

Other features and advantages of the present application will be apparent from the following detailed description, or may be learned by practice of the application.

According to an aspect of an embodiment of the present application, there is provided a resource transfer method, including: acquiring sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform, wherein the sender account identification information is identification information of a sender resource account on the sender resource service platform; acquiring receiver account identification information of a resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of a receiver resource account on a receiver resource service platform; if the sender resource service platform and the receiver resource service platform are identified to be the same platform, transferring the resources in the sender resource account to the receiver resource account through the sender resource service platform; if the sender resource service platform and the receiver resource service platform are identified to be different platforms, a cross-platform resource transfer request corresponding to the resource transfer service is forwarded between the sender resource service platform and the receiver resource service platform through a service intercommunication platform, and resources in the sender resource account are transferred to the receiver resource account according to the cross-platform resource transfer request.

According to an aspect of an embodiment of the present application, there is provided a resource transfer apparatus, including: the system comprises a sender information acquisition module, a resource transfer module and a resource transfer module, wherein the sender information acquisition module is configured to acquire sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform, and the sender account identification information is identification information of a sender resource account on the sender resource service platform; the receiver information acquisition module is configured to acquire receiver account identification information of a resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of a receiver resource account on the receiver resource service platform; the in-platform resource transfer module is configured to transfer the resource in the sender resource account to the receiver resource account through the sender resource service platform if the sender resource service platform and the receiver resource service platform are identified to be the same platform; and the inter-platform resource transfer module is configured to forward a cross-platform resource transfer request corresponding to the resource transfer service between the sender resource service platform and the receiver resource service platform through a service interworking platform if the sender resource service platform and the receiver resource service platform are identified to be different platforms, and transfer the resource in the sender resource account to the receiver resource account according to the cross-platform resource transfer request.

In some embodiments of the present application, based on the above technical solutions, the receiver information obtaining module includes: the control display unit is configured to display a resource receiving control corresponding to the resource transfer service to a resource receiving party through the current resource service platform; an account determining unit, configured to determine, in response to a trigger operation of the resource receiving control by the resource receiving party, a receiving party resource account of the resource receiving party for responding to the resource transfer service on the current resource service platform; an information obtaining unit configured to obtain recipient account identification information of the recipient resource account.

In some embodiments of the present application, based on the above technical solutions, the account determining unit includes: a first holding account determining subunit configured to determine whether the resource receiver holds a first resource account based on the resource service platform of the sender; a first receiving account determining subunit, configured to determine, if the resource receiver holds the first resource account, the first resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform; a second holding account determining subunit configured to determine whether the resource receiver holds a second resource account based on another resource service platform if the resource receiver does not hold the first resource account, where the other resource service platform and the resource service platform of the sender are different platforms; a second receiving account determining subunit, configured to determine, if the resource receiver holds the second resource account, the second resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform; a third receiving account determining subunit, configured to determine, by the current resource service platform, a third resource account specified by the resource receiver if the resource receiver does not hold the second resource account, and determine the third resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

In some embodiments of the present application, based on the above technical solution, the first holding account determining subunit includes: a binding information obtaining subunit, configured to obtain account binding information of the resource receiver on the current resource service platform; an account set determining subunit, configured to determine, according to the account binding information, an account set of the resource account bound by the resource receiver on the current resource service platform; a first account determining subunit configured to determine whether the resource receiver holds a first resource account based on the sender resource service platform according to the account set.

In some embodiments of the present application, based on the above technical solution, the first holding account determining subunit includes: the method comprises the following steps: an identification information obtaining subunit, configured to obtain recipient identity identification information of the resource recipient on the current resource service platform, where the recipient identity identification information is identification information of the resource recipient on the current resource service platform; the inquiry request sending subunit is configured to send an account inquiry request related to the resource receiver to the resource service platform of the sender according to the identity information of the receiver; and the second account determination subunit is configured to determine whether the resource receiver holds the first resource account based on the resource service platform of the sender according to the account query result for the account query request returned by the resource service platform of the sender.

In some embodiments of the present application, based on the above technical solution, the second holding account determination subunit includes: a binding information obtaining subunit, configured to obtain account binding information of the resource receiver on the current resource service platform; an account set determining subunit, configured to determine, according to the account binding information, an account set of the resource account bound by the resource receiver on the current resource service platform; and the third account determining subunit is configured to determine whether the resource receiver holds a second resource account based on other resource service platforms according to the account set.

In some embodiments of the present application, based on the above technical solutions, the third receiving account determination subunit includes: the account binding reminding subunit is configured to show account binding reminding information to the resource receiver through the current resource service platform; a fourth account determination subunit, configured to determine, in response to a trigger operation of the resource receiver on the account binding reminder information, a third resource account specified by the resource receiver.

In some embodiments of the present application, based on the above technical solutions, the control display unit includes: a service channel establishing subunit configured to establish a service channel for resource transfer between the resource sender and the resource receiver through the current resource service platform; a first request receiving subunit, configured to receive, based on the service channel, a resource transfer request for initiating the resource transfer service by the resource sender; and the first control display subunit is configured to display the resource receiving control corresponding to the resource transfer service to the resource receiving party according to the resource transfer request.

In some embodiments of the present application, based on the above technical solutions, the control display unit includes: a main body group establishing subunit configured to establish a main body group including the resource sender and the resource receiver through the current resource service platform; a second request receiving subunit, configured to receive, based on the subject group, a resource transfer request for initiating the resource transfer service by the resource sender; and the second control display subunit is configured to display the resource receiving control corresponding to the resource transfer service in the main body group according to the resource transfer request.

In some embodiments of the present application, based on the above technical solutions, the intra-platform resource transfer module includes: a first intra-platform transfer unit configured to transfer, by the sender resource service platform, a resource in the sender resource account to an intermediate service account located on the sender resource service platform; and the intra-platform transfer unit is configured to transfer the resources in the intermediate service account to the resource account of the receiver through the resource service platform of the sender.

In some embodiments of the present application, based on the above technical solutions, the inter-platform resource transfer module includes: a first inter-platform transfer unit configured to transfer, by the sender resource service platform, a resource in the sender resource account to an intermediate service account located on the sender resource service platform; a second inter-platform transfer unit configured to transfer the resource in the intermediate business account to the receiver resource account according to the cross-platform resource transfer request.

In some embodiments of the present application, based on the above technical solutions, the service interworking platform is a block chain network, and the sender resource service platform, the current resource service platform, and the receiver resource service platform are block chain nodes in the block chain network; the inter-platform resource transfer module comprises:

a transaction broadcasting unit configured to broadcast a cross-platform resource transfer request corresponding to the resource transfer service to the blockchain network, where the cross-platform resource transfer request is information obtained by performing digital signature processing on the resource transfer service by the resource sender; a transaction consensus unit configured to perform consensus authentication on the cross-platform resource transfer request through a blockchain link point on the blockchain network; and the third inter-platform transfer unit is configured to transfer the resource in the sender resource account to the receiver resource account according to the cross-platform resource transfer request when the consensus authentication result of the cross-platform resource transfer request is that the cross-platform resource transfer request passes the authentication.

According to an aspect of the embodiments of the present application, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor implements the resource transfer method as in the above technical solution.

According to an aspect of an embodiment of the present application, there is provided an electronic apparatus including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the resource transfer method as in the above technical solution via executing the executable instructions.

According to an aspect of embodiments herein, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions, so that the computer device executes the resource transfer method as in the above technical solution.

In the technical scheme provided by the embodiment of the application, the service intercommunication platform can be used for establishing an interconnection relation among different resource service platforms, so that cross-platform resource transfer among different resource service platforms can be realized. For each resource transfer service, different resource transfer modes can be determined according to whether the service parties belong to the same resource service platform, and the operation processes of initiation, execution, response and the like of the resource transfer service can belong to different resource service platforms, so that the wide applicability of the resource transfer transaction is improved, the flexibility of the resource transfer transaction can be improved, the transaction efficiency of the resource transaction can be further improved, and the transaction cost is reduced.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application. It is obvious that the drawings in the following description are only some embodiments of the application, and that for a person skilled in the art, other drawings can be derived from them without inventive effort.

Fig. 1 schematically shows a block diagram of an exemplary system architecture to which the solution of the present application applies.

Fig. 2 schematically shows a flowchart of steps of a resource transfer method in an embodiment of the present application.

Fig. 3 is a flowchart schematically illustrating steps of a method for obtaining account identification information of a recipient based on account binding information of a resource recipient in an embodiment of the present application.

FIG. 4 is a flow chart that schematically illustrates the steps for determining a recipient resource account, in an embodiment of the present application.

Fig. 5 schematically shows a system architecture block diagram of a blockchain system to which the technical solution of the present application is applied.

Fig. 6 schematically shows a composition structure of a block chain in the embodiment of the present application.

Fig. 7 schematically shows a block diagram of a resource transfer apparatus according to an embodiment of the present application.

FIG. 8 schematically illustrates a block diagram of a computer system suitable for use in implementing an electronic device of an embodiment of the present application.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the application. One skilled in the relevant art will recognize, however, that the subject matter of the present application can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the application.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

In the specific implementation manner of the present application, the data related to the digital asset account, the asset information and the like of the business entity needs to be licensed or approved by the business entity when the various embodiments of the present application are applied to specific products or technologies, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related countries and regions.

As shown in fig. 1, the system architecture 100 is comprised of a number of server platforms and terminal devices. The server platform may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud computing services. The terminal equipment can be various electronic equipment such as a smart phone, a smart watch, a tablet computer, a notebook computer, a desktop computer and the like. The server platform and the terminal device may be in network data communication with each other via a wired communication link or a wireless communication link. The service agent may perform a resource transfer transaction through a client installed on the terminal device, for example, the resource sender 101 shown in fig. 1 may initiate a resource transfer transaction, and the resource receiver 102 may respond to the resource transfer transaction, so that a resource account of the resource sender 101 may transfer a certain amount of resources to a resource account of the resource receiver 102.

The server platform can be divided into a sender resource service platform 110, a receiver resource service platform 120, a current resource service platform 130 and a service interworking platform 140 according to different roles in resource transfer transactions. The sender resource service platform 110 is a server platform where a sender resource account held by the resource sender 101 is located, the receiver resource service platform 120 is a server platform where a receiver resource account held by the resource receiver 102 is located, the current resource service platform 130 is a server platform responsible for executing resource transfer transaction, and the service interworking platform 140 is a server platform providing interworking service between the sender resource service platform 110 and the receiver resource service platform 120.

When the resource sender 101 initiates a transaction service for transferring resources to the resource receiver 102 on the current resource service platform 130, the current resource service platform 130 may first determine a resource sender account for transferring resources from the resource sender 101 and determine the sender resource service platform 110 where the resource sender account is located, and then determine whether the resource receiver 102 and the resource sender 101 belong to the same service subject of the sender resource service platform 110 (for example, may determine whether the resource receiver 102 holds a resource account on the sender resource service platform 110).

If the resource receiver 102 is also the service agent on the sender resource service platform 110, the intra-platform resource transfer can be performed directly on the sender resource service platform 110.

If the resource receiver 102 is not the service agent on the sender resource service platform 110, a receiver resource account held by the resource receiver 102 on the receiver resource service platform 120 may be selected to receive resource transfer, and specifically, cross-platform resource transfer needs to be implemented through the service interworking platform 140 located between the sender resource service platform 110 and the receiver resource service platform 120.

The following detailed description is provided to technical solutions of a resource transfer method, a resource transfer apparatus, a computer-readable medium, and an electronic device, which are provided by the present application, in conjunction with specific embodiments. In the embodiment of the present application, digital assets are mainly used as an exemplary resource for description, but the related technical solutions provided in the embodiments of the present application may also be applicable to other resources except for the digital assets, and the embodiments of the present application are not limited thereto.

Fig. 2 schematically shows a flowchart of steps of a resource transfer method in an embodiment of the present application, where the resource transfer method may be performed by a terminal device in the system architecture shown in fig. 1, by a server platform, or by both the terminal device and the server platform.

In the embodiment of the present application, a resource transfer method executed by a current resource service platform is described, as shown in fig. 2, the resource transfer method mainly includes the following steps S210 to S240.

Step S210: and acquiring sender account identification information of the resource sender initiating the resource transfer service on the current resource service platform, wherein the sender account identification information is identification information of the sender resource account on the sender resource service platform.

Step S220: and acquiring receiver account identification information of the resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of the receiver resource account on the receiver resource service platform.

Step S230: and if the sender resource service platform and the receiver resource service platform are identified to be the same platform, transferring the resources in the sender resource account to the receiver resource account through the sender resource service platform.

Step S240: if the sender resource service platform and the receiver resource service platform are identified to be different platforms, a cross-platform resource transfer request corresponding to the resource transfer service is forwarded between the sender resource service platform and the receiver resource service platform through the service intercommunication platform, and resources in a sender resource account are transferred to a receiver resource account according to the cross-platform resource transfer request.

In the resource transfer method provided in the embodiment of the present application, the service interworking platform can be used to establish an interworking relationship between different resource service platforms, so that cross-platform resource transfer between different resource service platforms can be implemented. For each resource transfer service, different resource transfer modes can be determined according to whether the service parties belong to the same resource service platform, and the operation processes of initiation, execution, response and the like of the resource transfer service can belong to different resource service platforms, so that the wide applicability of the resource transfer transaction is improved, the flexibility of the resource transfer transaction can be improved, the transaction efficiency of the resource transaction can be further improved, and the transaction cost is reduced.

The following describes each method step in the resource transfer method provided by the present application in detail with reference to different embodiments.

In step S210, sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform is obtained, where the sender account identification information is identification information of a sender resource account on a sender resource service platform.

Taking the transaction of the digital asset as an example, the resource business platform in the embodiment of the present application may include a digital asset transaction platform that specially provides a digital asset transaction service, and may also include other business entities having a digital asset transaction right. For example, the resource business platform may be a third party payment platform or a social platform, etc., capable of providing mobile payment services. The resource sender is used as a service main body for initiating resource transaction, digital asset accounts can be registered and opened on various resource service platforms, and each digital asset account opened on the resource service platform corresponds to asset account information for distinguishing and identifying. For example, a transaction platform of digital assets may develop a wallet APP for conducting digital asset transactions, a business entity may open a digital asset account in the wallet APP and obtain a wallet ID as digital asset account identification information, and digital asset transfer-in and transfer-out operations may be conducted for the corresponding digital asset account based on the wallet ID.

In some alternative embodiments, the current resource service platform and the sender resource service platform may be the same resource service platform. For example, a service agent a may initiate a service to transfer digital assets to a service agent b on a certain platform a, and a sender resource account to transfer digital assets out may be a digital asset account that the service agent a opens on the platform a.

In other alternative embodiments, the current resource service platform and the sender resource service platform may be different resource service platforms. For example, a service agent a may initiate a service to transfer digital assets to a service agent B on a certain platform a, and a sender resource account to transfer digital assets out may be a digital asset account that the service agent a opens on a certain platform B different from the platform a.

In step S220, the receiver account identification information of the resource receiver responding to the resource transfer service on the current resource service platform is obtained, where the receiver account identification information is the identification information of the receiver resource account on the receiver resource service platform.

When the resource receiver responds to the resource transfer service initiated by the resource sender, the current resource service platform can acquire the receiver account identification information of the resource receiver, so as to determine the receiver resource account for transferring the resource.

Fig. 3 is a flowchart schematically illustrating steps of a method for obtaining account identification information of a recipient based on account binding information of a resource recipient in an embodiment of the present application. As shown in fig. 3, in an embodiment of the present application, the obtaining of the recipient account identification information of the resource recipient responding to the resource transfer service on the current resource service platform in step S220 may include the following steps S310 to S330.

Step S310: and displaying a resource receiving control corresponding to the resource transfer service to a resource receiving party through the current resource service platform.

Step S320: and responding to the triggering operation of the resource receiving control by the resource receiving party, and determining a receiving party resource account of the resource receiving party responding to the resource transfer service on the current resource service platform.

Step S330: and acquiring the account identification information of the receiver of the resource account of the receiver.

When a resource sender initiates a resource transfer service through a current resource service platform, the current resource service platform can display a corresponding resource receiving control to a resource receiver, and after the resource receiver triggers the resource receiving control, a receiver resource account of the resource receiver is determined, so that resource transfer from the sender resource account to the receiver resource account is realized.

In step S310, the resource receiving control displayed to the resource receiving party may be, for example, a transfer pickup control for transferring a resource, or may also be a red packet pickup control for a virtual red packet. When the resource receiving party triggers the resource receiving control, the corresponding transfer amount or the red envelope amount can be received by using the resource account of the receiving party.

In one embodiment of the present application, a resource sender may initiate a resource transfer service to one resource receiver separately. The step S310 of displaying the resource receiving control corresponding to the resource transfer service to the resource receiving party through the current resource service platform may include the following steps S3111 to S3113.

Step S3111: and establishing a service channel for resource transfer between the resource sender and the resource receiver through the current resource service platform.

Step S3112: and receiving a resource transfer request of resource transfer service initiated by a resource sender based on the service channel.

Step S3113: and displaying a resource receiving control corresponding to the resource transfer service to a resource receiving party according to the resource transfer request.

In the embodiment of the application, when the resource sender transfers the resource to the resource receiver independently, the service channel for transferring the resource between the resource sender and the resource receiver can be established through the current resource service platform. For example, the current resource service platform may be a social application platform having a resource transaction function, and the resource sender and the resource receiver may establish a peer-to-peer service channel on the social application platform, and may perform social communications such as text transmission, image transmission, and audio/video call between themselves through the service channel. Meanwhile, the resource sender may initiate a resource transfer request to the resource receiver based on the service channel, for example, the resource sender may send a virtual red packet to the resource receiver, and a red packet pickup control of the virtual red packet may be presented on an application interface of the resource receiver. When the resource receiver clicks and triggers the red packet getting control, the digital asset transfer between the resource sender and the resource receiver can be realized in a red packet transfer mode.

In an embodiment of the present application, a resource sender may also initiate a resource transfer service to two or more resource receivers at the same time. The displaying of the resource receiving control corresponding to the resource transfer service to the resource receiving party through the current resource service platform in step S310 may include steps S3121 to S3123 as follows.

Step S3121: establishing a main body group comprising a resource sender and a resource receiver through a current resource service platform;

step S3122: receiving a resource transfer request of a resource transfer service initiated by a resource sender based on a main body group;

step S3123: and displaying the resource receiving control corresponding to the resource transfer service in the main body group according to the resource transfer request.

In the embodiment of the application, when the resource is transferred from the resource sending direction to two or more resource receiving sides, a main body group for transferring resources among a plurality of service main bodies can be established through the current resource service platform. For example, the current resource service platform may be a social application platform having a resource transaction function, a resource sender, a resource receiver, and other service agents on the platform may establish a group of agents that can be used for a conversation among multiple people on the social application platform, and each service agent in the group may perform social communication such as text transmission, image transmission, and audio/video call through the group. Meanwhile, the resource sender may initiate a resource transfer request to some or all of the service agents in the group based on the agent group, for example, the resource sender may send a virtual red packet in the agent group, and all group members in the agent group may view the red packet pickup control of the virtual red packet through the application interface. When a certain resource receiver clicks and triggers the red packet getting control, the digital asset transfer between the resource sender and the resource receiver can be realized in a red packet transfer mode.

In step S320, in response to the triggering operation of the resource receiving control by the resource receiving party, a receiving party resource account of the resource receiving party responding to the resource transfer service on the current resource service platform is determined.

The resource receiver can simultaneously hold one or more resource accounts, and when the resource receiver triggers the resource receiving control, the resource receiver resource account responding to the resource transfer service can be determined according to the preset account selection rule.

FIG. 4 is a flow chart that schematically illustrates the steps for determining a recipient resource account, in an embodiment of the present application. As shown in fig. 4, on the basis of the above embodiment, the determining of the recipient resource account of the resource recipient responding to the resource transfer service on the current resource service platform in step S320 may include the following steps S410 to S450.

Step S410: it is determined whether the resource recipient holds a first resource account based on the sender resource service platform.

In some optional embodiments, the present application embodiment may determine whether the resource receiver holds the first resource account based on the resource service platform of the sender based on a condition that the resource receiver binds the resource account on the current resource service platform. Specifically, the method and the device for determining the resource account of the resource receiving party on the current resource service platform can acquire the account binding information of the resource receiving party on the current resource service platform, then determine the account set of the resource account bound by the resource receiving party on the current resource service platform according to the account binding information, and further determine whether the resource receiving party holds the first resource account based on the resource service platform of the sending party according to the account set. If the resource account belonging to the resource service platform of the sender exists in the account set, the resource account is determined as a first resource account.

In other alternative embodiments, the present application embodiment may determine whether the resource receiver holds the first resource account based on the resource service platform of the sender by using data communication between the current resource service platform and the resource service platform of the sender. Specifically, the method and the device can acquire the identity identification information of the receiver of the resource receiver on the current resource service platform, wherein the identity identification information of the receiver is the identification information of the resource receiver on the current resource service platform; then sending an account inquiry request related to the resource receiver to a resource service platform of the sender according to the identity information of the receiver; and further determining whether the resource receiver holds a first resource account based on the resource service platform of the sender according to an account query result aiming at the account query request returned by the resource service platform of the sender. If it is determined through the query that the resource service platform of the sending party is registered and holds the corresponding resource account, the resource account can be determined as the first resource account.

Step S420: and if the resource receiver holds the first resource account, determining the first resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

Under the condition that the resource receiver holds the first resource account, the embodiment of the application can directly determine the first resource account as the receiver resource account for receiving the resource.

Step S430: and if the resource receiver does not hold the first resource account, determining whether the resource receiver holds a second resource account based on other resource service platforms, wherein the other resource service platforms and the resource service platform of the sender are different platforms.

Under the condition that the resource receiver does not hold the first resource account, the embodiment of the application can further judge whether the resource receiver holds a second resource account on other resource service platforms different from the resource service platform of the sender.

Similar to the judgment of the holding result of the first resource account, the embodiment of the present application may also determine whether the resource receiver holds a second resource account based on another resource service platform based on the condition that the resource receiver binds to the resource account on the current resource service platform. Specifically, the method and the device for determining the account binding of the resource receiver on the current resource service platform can obtain the account binding information of the resource receiver on the current resource service platform, then determine the account set of the resource account bound by the resource receiver on the current resource service platform according to the account binding information, and further determine whether the resource receiver holds a second resource account based on other resource service platforms according to the account set. If one resource account belonging to other resource service platforms exists in the account set, the resource account can be directly determined as the second resource account in the embodiment of the application. If a plurality of resource accounts belonging to other resource service platforms exist in the account set at the same time, one resource account can be selected as a second resource account according to preset rules in the embodiment of the application. For example, in the embodiment of the present application, priorities may be selected for a plurality of resource accounts that belong to other resource service platforms, and then a second resource account is selected from the plurality of resource accounts according to the order of the priorities. For another example, in the embodiment of the present application, a selected resource account may also be used as the second resource account according to the selection instruction input by the resource receiver.

Step S440: and if the resource receiver holds the second resource account, determining the second resource account as the receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

Step S450: if the resource receiver does not hold the second resource account, a third resource account appointed by the resource receiver is determined through the current resource service platform, and the third resource account is determined as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

When the current resource service platform judges that the resource receiver does not hold the resource account belonging to the resource service platform of the sender or other resource service platforms, the account binding reminding information can be displayed to the resource receiver through the current resource service platform; and responding to the triggering operation of the resource receiver on the account binding reminding information, and determining a third resource account designated by the resource receiver. For example, the current resource service platform may display the reminding information to the resource receiver in a pop-up window manner, and remind the resource receiver to specify a third resource account, where the third resource account may be a resource account on the resource service platform of the sender or a resource account on another resource service platform.

By executing the steps S410 to S450, the resource account of the receiver can be selected according to the resource account holding condition of the resource receiver. The first resource account belonging to the resource service platform of the sender is preferentially selected as the resource account of the receiver, so that the resource transfer in the platform can be carried out under the condition that the resource sender and the resource receiver belong to the same resource service platform.

In step S230, if it is identified that the sender resource service platform and the receiver resource service platform are the same platform, transferring the resource in the sender resource account to the receiver resource account through the sender resource service platform.

In an embodiment of the application, whether the sender resource service platform and the receiver resource service platform are the same platform may be identified by comparing the sender account identification information and the receiver account identification information. For example, the sender resource service platform identifier carried in the sender account identifier information can be identified and obtained by analyzing the sender account identifier information, the receiver resource service platform identifier carried in the sender account identifier information can be identified and obtained by analyzing the receiver account identifier information, and then the sender resource service platform identifier and the receiver resource service platform identifier are compared to determine whether the sender resource service platform identifier and the receiver resource service platform identifier are the same. If the two identifications are the same, it can be determined that the resource service platform of the sending party and the resource service platform of the receiving party are the same platform. If the two identifications are different, it can be determined that the resource service platform of the sending party and the resource service platform of the receiving party are different platforms.

When the sender resource service platform and the receiver resource service platform are identified to be the same platform, firstly, resources in a sender resource account can be transferred to an intermediate service account on the sender resource service platform through the sender resource service platform, and then the resources in the intermediate service account are transferred to a receiver resource account through the sender resource service platform. The intermediate service account is a resource account which is established on the resource service platform of the sending party and is used for transferring resources. The resource to be transferred is transferred to the intermediate service account, and then the intermediate service account transfers the resource to the resource account of the receiver, so that the safety, flexibility and reliability of the resource transfer service can be improved.

In step S240, if it is recognized that the sender resource service platform and the receiver resource service platform are different platforms, a cross-platform resource transfer request corresponding to the resource transfer service is forwarded between the sender resource service platform and the receiver resource service platform through the service interworking platform, and the resource in the sender resource account is transferred to the receiver resource account according to the cross-platform resource transfer request.

Similar to the intra-platform resource transfer in step S230, the resource transfer may also be performed by using an intermediate service account on the resource service platform of the sender when performing the inter-platform resource transfer in step S240. Firstly, transferring resources in a resource account of a sender to an intermediate service account on a resource service platform of the sender through a resource service platform of the sender, and then transferring the resources in the intermediate service account to a resource account of a receiver through a service intercommunication platform corresponding to the resource service platform of the sender and the resource service platform of the receiver. The service interworking platform can forward a cross-platform resource transfer request corresponding to the resource transfer service between the sender resource service platform and the receiver resource service platform, and then transfer the resource in the intermediate service account to the receiver resource account according to the cross-platform resource transfer request.

In some alternative embodiments, the resource sender may generate a cross-platform resource transfer request while transferring the corresponding resource to the intermediary business account. The cross-platform resource transfer request carries the sender account identification information, the receiver account identification information and the resource transfer quantity, and can also carry the sender resource service platform identification and the receiver resource service platform identification. The service interworking platform can forward the cross-platform resource transfer request from the sender resource service platform to the receiver resource service platform according to the corresponding platform identifier. After the cross-platform resource transfer request is analyzed and processed by the receiver resource service platform, the sender account identification information, the receiver account identification information and the resource transfer quantity carried in the cross-platform resource transfer request can be obtained, so that the corresponding quantity of resources are transferred to the receiver resource account according to the information obtained by analysis.

In some optional embodiments, the service interworking platform may be a one-to-one interworking platform established between the sending-side resource service platform and the receiving-side resource service platform. Corresponding service intercommunication platforms can be established between any two different service platforms to realize cross-platform resource transfer. On this basis, the service interworking platform can be used for performing point-to-point data forwarding between the sender resource service platform and the receiver resource service platform. For example, when a resource sender initiates a resource transfer service, the service interworking platform may forward a cross-platform resource transfer request generated on the resource service platform of the sender to a resource service platform of a receiver. When the receiver resource service platform responds to the cross-platform resource transfer request and completes the transfer of the corresponding amount of resources to the receiver resource account of the resource receiver, a cross-platform resource transfer receipt aiming at the cross-platform resource transfer request can be generated. The service interworking platform may continue to forward the cross-platform resource transfer receipt from the receiver resource service platform to the sender resource service platform to notify the resource sender of the transfer result of the cross-platform resource transfer.

In addition, the resource transfer service can also be initiated by the resource receiver. On this basis, the service interworking platform can forward the cross-platform resource transfer request generated on the resource receiver service platform to the sender resource service platform, and forward the cross-platform resource transfer receipt generated by the sender resource service platform to the receiver resource service platform by the sender resource service platform after obtaining the transfer result.

In other optional embodiments, the service interworking platform may be a block chain network, and the sender resource service platform, the current resource service platform, and the receiver resource service platform are all block chain nodes in the block chain network.

Fig. 5 schematically shows a system architecture block diagram of a blockchain system to which the technical solution of the present application is applied. As shown in fig. 5, the blockchain system 500 may include at least one client 510 and a blockchain network 520, the blockchain network 520 including at least one node device 521. The client 510 may be a smart phone, a tablet computer, a notebook computer, a desktop computer, or other electronic devices. The node device 521 may be any electronic device such as a terminal device or a server, and for example, the node device 521 may be an independent physical server, may be a server cluster formed by a plurality of physical servers, or may be a cloud server providing a cloud computing service.

In the blockchain network 520, each node device 521 may receive input information while performing normal operations and maintain shared data within the blockchain network based on the received input information. In order to ensure information intercommunication, information connections may exist between the node devices 521, and the node devices 521 may perform information transmission through the information connections. For example, when any node device 521 in the blockchain network 520 receives input information and broadcasts the input information in the blockchain network 520, other node devices in the blockchain network 520 may obtain the input information according to a consensus algorithm and store the input information as shared data.

Each node device 521 in the BlockChain network 520 may store one and the same BlockChain (BlockChain). The block chain is a chain data structure formed by combining data blocks in a sequential connection mode according to a time sequence, and a distributed database which ensures data to be untrustworthy and counterfeitable in a cryptographic mode. Fig. 6 schematically shows a composition structure of a block chain in the embodiment of the present application. As shown in fig. 6, the blockchain is composed of a plurality of blocks connected in sequence, and whenever new data needs to be written into the blockchain, the data is gathered into a newly generated block, and the newly generated block is linked to the end of the blockchain, and the newly added block on each node device 521 can be guaranteed to be identical through the consensus algorithm. The data of the current block is recorded in the block body of each block, and the Hash value (Hash) of the previous block connected with the current block is stored in the block head of each block, and if the transaction data in the previous block changes, the Hash value of the current block changes accordingly. Therefore, the data uploaded to the blockchain network is difficult to tamper, and the reliability of the shared data can be improved.

In this embodiment, each node device 521 forming the blockchain network 520 may respectively serve as a resource service platform of a sender, a current resource service platform, or a resource service platform of a receiver to participate in a service scenario of resource transfer, and one resource service platform may correspond to one or more node devices in the blockchain network.

On the basis, the method for performing cross-platform resource transfer can comprise the following steps: broadcasting a cross-platform resource transfer request corresponding to the resource transfer service to a blockchain network, wherein the cross-platform resource transfer request is information obtained by performing digital signature processing on the resource transfer service by a resource sender; performing consensus authentication on the cross-platform resource transfer request through a block chain link point on a block chain network; and when the consensus authentication result of the cross-platform resource transfer request is that the authentication is passed, transferring the resource in the resource account of the sender to the resource account of the receiver.

When the current resource service platform processes a resource transfer service, the electronic signature processing can be performed by using the own node private key to obtain service transaction information carrying service content and signature. The electronic signature method comprises the steps of firstly performing summary processing on the service content of the resource transfer service to obtain a service content summary, and then encrypting the service content summary by using a node private key to obtain a signature.

And obtaining the service transaction information carrying the signature of the current resource service platform after the electronic signature processing, broadcasting the service transaction information to a block chain network, and performing signature verification and consensus authentication by node equipment corresponding to other service platforms to verify the reliability of service content.

When a certain node device performs signature verification on the service transaction information, the public system key disclosed on the block chain network may be first obtained, and then the public system key is used to decrypt the signature carried in the service transaction information, so as to obtain the summary of the content to be verified. And finally, performing consistency check on the summary of the content to be checked and the summary of the transaction content to obtain a signature check result of the signature.

The node private key used by the current resource service platform when performing electronic signature processing and the system public key disclosed on the block chain network may form a pair of asymmetric private key pairs. Node equipment in the block chain network performs summary processing on transaction contents carried in the service transaction information by using a summary algorithm the same as that of the current resource service platform, so that the summary of the transaction contents can be obtained. If the data source is correct and the data transmission process is not falsified, the content digest to be verified obtained after decryption by the system public key is consistent with the transaction content digest before encryption. Therefore, if the summary of the content to be verified and the summary of the transaction content are verified to be consistent, the signature verification can be determined to be passed; if the content digest to be verified and the transaction content digest are not verified to be inconsistent, it may be determined that the signature verification failed.

The resource transfer service between different resource service platforms based on the block chain network has the advantages of safety, reliability and non-falsification.

It should be noted that although the various steps of the methods in this application are depicted in the drawings in a particular order, this does not require or imply that these steps must be performed in this particular order, or that all of the shown steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.

The following describes an embodiment of an apparatus of the present application, which may be used to perform the resource transfer method in the foregoing embodiment of the present application. Fig. 7 schematically shows a block diagram of a resource transfer apparatus according to an embodiment of the present application. As shown in fig. 7, the resource transfer apparatus 700 includes: a sender information obtaining module 710 configured to obtain sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform, where the sender account identification information is identification information of a sender resource account on the sender resource service platform; the receiver information obtaining module 720 is configured to obtain receiver account identification information of the resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of a receiver resource account on the receiver resource service platform; the in-platform resource transfer module 730 is configured to transfer the resource in the resource account of the sender to the resource account of the receiver through the resource service platform of the sender if the resource service platform of the sender and the resource service platform of the receiver are identified to be the same platform; the inter-platform resource transfer module 740 is configured to forward a cross-platform resource transfer request corresponding to the resource transfer service between the sender resource service platform and the receiver resource service platform through the service interworking platform if it is recognized that the sender resource service platform and the receiver resource service platform are different platforms, and transfer the resource in the sender resource account to the receiver resource account according to the cross-platform resource transfer request.

In some embodiments of the present application, based on the above embodiments, the receiver information obtaining module 720 includes: the control display unit is configured to display a resource receiving control corresponding to the resource transfer service to a resource receiving party through a current resource service platform; the account determining unit is configured to respond to the triggering operation of the resource receiving control by the resource receiving party and determine a receiving party resource account of the resource receiving party responding to the resource transfer service on the current resource service platform; an information obtaining unit configured to obtain recipient account identification information of the recipient resource account.

In some embodiments of the present application, based on the above embodiments, the account determining unit includes: the first holding account determining subunit is configured to determine whether the resource receiver holds a first resource account based on the resource service platform of the sender; the first receiving account determining subunit is configured to determine the first resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform if the resource receiver holds the first resource account; the second held account determining subunit is configured to determine whether the resource receiver holds a second resource account based on other resource service platforms if the resource receiver does not hold the first resource account, wherein the other resource service platforms are different from the resource service platform of the sender; the second receiving account determining subunit is configured to determine the second resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform if the resource receiver holds the second resource account; and the third receiving account determining subunit is configured to determine, if the resource receiver does not hold the second resource account, a third resource account specified by the resource receiver through the current resource service platform, and determine the third resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

In some embodiments of the present application, based on the above embodiments, the first holding account determining subunit includes: the binding information acquisition subunit is configured to acquire account binding information of the resource receiver on the current resource service platform; the account set determining subunit is configured to determine an account set of the resource account bound by the resource receiver on the current resource service platform according to the account binding information; and the first account determining subunit is configured to determine whether the resource receiver holds a first resource account based on the resource service platform of the sender according to the account set.

In some embodiments of the present application, based on the above embodiments, the first holding account determining subunit includes: the method comprises the following steps: the identification information acquisition subunit is configured to acquire receiver identity identification information of the resource receiver on the current resource service platform, wherein the receiver identity identification information is identification information of the resource receiver on the current resource service platform; the inquiry request sending subunit is configured to send an account inquiry request related to the resource receiver to the resource service platform of the sender according to the identity information of the receiver; and the second account determination subunit is configured to determine whether the resource receiver holds the first resource account based on the resource service platform of the sender according to an account query result aiming at the account query request returned by the resource service platform of the sender.

In some embodiments of the present application, based on the above embodiments, the second holding account determination subunit includes: the binding information acquisition subunit is configured to acquire account binding information of the resource receiver on the current resource service platform; the account set determining subunit is configured to determine an account set of the resource account bound by the resource receiver on the current resource service platform according to the account binding information; and the third account determining subunit is configured to determine whether the resource receiver holds a second resource account based on other resource service platforms according to the account set.

In some embodiments of the present application, based on the above embodiments, the third receiving account determination subunit includes: the account binding reminding subunit is configured to show account binding reminding information to the resource receiver through the current resource service platform; and the fourth account determining subunit is configured to determine a third resource account designated by the resource receiver in response to the triggering operation of the resource receiver on the account binding reminding information.

In some embodiments of the present application, based on the above embodiments, the control display unit includes: the service channel establishing subunit is configured to establish a service channel for resource transfer between the resource sender and the resource receiver through the current resource service platform; a first request receiving subunit, configured to receive, based on the service channel, a resource transfer request for initiating a resource transfer service by a resource sender; and the first control display subunit is configured to display the resource receiving control corresponding to the resource transfer service to the resource receiving party according to the resource transfer request.

In some embodiments of the present application, based on the above embodiments, the control display unit includes: a main body group establishing subunit configured to establish a main body group including a resource sender and a resource receiver through a current resource service platform; a second request receiving subunit, configured to receive, based on the body group, a resource transfer request for initiating a resource transfer service by the resource sender; and the second control display subunit is configured to display the resource receiving control corresponding to the resource transfer service in the main body group according to the resource transfer request.

In some embodiments of the present application, based on the above embodiments, the in-platform resource transfer module 730 includes: the first in-platform transfer unit is configured to transfer the resources in the resource account of the sender to an intermediate service account on the resource service platform of the sender through the resource service platform of the sender; and the intra-platform transfer unit is configured to transfer the resources in the intermediate service account to the resource account of the receiver through the resource service platform of the sender.

In some embodiments of the present application, based on the above embodiments, the inter-platform resource transfer module 730 includes: the first inter-platform transfer unit is configured to transfer the resources in the resource account of the sender to an intermediate service account on the resource service platform of the sender through the resource service platform of the sender; and the second inter-platform transfer unit is configured to transfer the resource in the intermediate service account to the receiver resource account according to the cross-platform resource transfer request.

In some embodiments of the present application, based on the above embodiments, the service interworking platform is a block chain network, and the sender resource service platform, the current resource service platform, and the receiver resource service platform are block chain nodes in the block chain network; the inter-platform resource transfer module 730 includes: the transaction broadcasting unit is configured to broadcast a cross-platform resource transfer request corresponding to the resource transfer service to the blockchain network, wherein the cross-platform resource transfer request is information obtained by performing signature processing on the resource transfer service by a resource sending party; a transaction consensus unit configured to perform consensus authentication on the cross-platform resource transfer request through a blockchain link point on a blockchain network; and the third inter-platform transfer unit is configured to transfer the resource in the resource account of the sender to the resource account of the receiver when the consensus authentication result of the cross-platform resource transfer request is that the authentication is passed.

The specific details of the resource transfer apparatus provided in each embodiment of the present application have been described in detail in the corresponding method embodiment, and are not described herein again.

Fig. 8 schematically shows a block diagram of a computer system of an electronic device for implementing an embodiment of the present application.

It should be noted that the computer system 800 of the electronic device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes according to a program stored in a Read-Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the random access memory 803, various programs and data necessary for system operation are also stored. The cpu 801, the rom 802 and the ram 803 are connected to each other via a bus 804. An Input/Output interface 805(Input/Output interface, i.e., I/O interface) is also connected to the bus 804.

The following components are connected to the input/output interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a local area network card, modem, and the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the input/output interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

In particular, according to embodiments of the present application, the processes described in the various method flowcharts may be implemented as computer software programs. For example, embodiments of the present application include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. When executed by the central processor 801, the computer program performs various functions defined in the system of the present application.

It should be noted that the computer readable medium shown in the embodiments of the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable Compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the application. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present application.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains.

It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A method for resource transfer, comprising:

acquiring sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform, wherein the sender account identification information is identification information of a sender resource account on the sender resource service platform;

acquiring receiver account identification information of a resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of a receiver resource account on a receiver resource service platform;

if the sender resource service platform and the receiver resource service platform are identified to be the same platform, transferring the resources in the sender resource account to the receiver resource account through the sender resource service platform;

if the sender resource service platform and the receiver resource service platform are identified to be different platforms, a cross-platform resource transfer request corresponding to the resource transfer service is forwarded between the sender resource service platform and the receiver resource service platform through a service intercommunication platform, and resources in the sender resource account are transferred to the receiver resource account according to the cross-platform resource transfer request.

2. The method according to claim 1, wherein the acquiring of the recipient account identification information of the resource recipient responding to the resource transfer service on the current resource service platform comprises:

displaying a resource receiving control corresponding to the resource transfer service to a resource receiving party through the current resource service platform;

responding to the triggering operation of the resource receiving control by the resource receiving party, and determining a receiving party resource account of the resource receiving party responding to the resource transfer service on the current resource service platform;

and acquiring the receiver account identification information of the receiver resource account.

3. The method of claim 2, wherein the determining that the resource recipient responds to the recipient resource account of the resource transfer service on the current resource service platform comprises:

determining whether the resource receiver holds a first resource account based on the resource service platform of the sender;

if the resource receiver holds the first resource account, determining the first resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform;

if the resource receiver does not hold the first resource account, determining whether the resource receiver holds a second resource account based on other resource service platforms, wherein the other resource service platforms and the resource service platform of the sender are different platforms;

if the resource receiver holds the second resource account, determining the second resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform;

if the resource receiver does not hold the second resource account, determining a third resource account appointed by the resource receiver through the current resource service platform, and determining the third resource account as a receiver resource account of the resource receiver responding to the resource transfer service on the current resource service platform.

4. The method of claim 3, wherein the determining whether the resource recipient holds a first resource account based on the sender resource service platform comprises:

acquiring account binding information of the resource receiver on the current resource service platform;

determining an account set of the resource account bound by the resource receiver on the current resource service platform according to the account binding information;

and determining whether the resource receiver holds a first resource account based on the resource service platform of the sender according to the account set.

5. The method of claim 3, wherein the determining whether the resource recipient holds a first resource account based on the sender resource service platform comprises:

acquiring receiver identity identification information of the resource receiver on the current resource service platform, wherein the receiver identity identification information is identification information of the resource receiver on the current resource service platform;

sending an account inquiry request related to the resource receiver to the resource service platform of the sender according to the identity information of the receiver;

and determining whether the resource receiver holds a first resource account based on the resource service platform of the sender according to an account query result aiming at the account query request returned by the resource service platform of the sender.

6. The method of claim 3, wherein the determining whether the resource recipient holds a second resource account based on another resource service platform comprises:

and determining whether the resource receiver holds a second resource account based on other resource service platforms according to the account set.

7. The method of claim 3, wherein the determining, by the current resource service platform, the third resource account specified by the resource recipient comprises:

displaying account binding reminding information to the resource receiver through the current resource service platform;

and responding to the triggering operation of the resource receiver on the account binding reminding information, and determining a third resource account appointed by the resource receiver.

8. The method according to claim 2, wherein the presenting, by the current resource service platform, the resource receiving control corresponding to the resource transfer service to the resource receiving party comprises:

establishing a service channel for resource transfer between the resource sender and the resource receiver through the current resource service platform;

receiving a resource transfer request of the resource transfer service initiated by the resource sender based on the service channel;

and displaying a resource receiving control corresponding to the resource transfer service to the resource receiving party according to the resource transfer request.

9. The method according to claim 2, wherein the presenting, by the current resource service platform, the resource receiving control corresponding to the resource transfer service to the resource receiving party comprises:

establishing a main body group comprising the resource sender and the resource receiver through the current resource service platform;

receiving a resource transfer request of the resource transfer service initiated by the resource sender based on the main body group;

and displaying a resource receiving control corresponding to the resource transfer service in the main body group according to the resource transfer request.

10. The method of claim 1, wherein the transferring, by the sender resource service platform, the resource in the sender resource account to the receiver resource account comprises:

transferring the resources in the resource account of the sender to an intermediate service account on the resource service platform of the sender through the resource service platform of the sender;

and transferring the resources in the intermediate service account to the resource account of the receiver through the resource service platform of the sender.

11. The method of claim 1, wherein the transferring the resource from the sender resource account to the receiver resource account according to the cross-platform resource transfer request comprises:

and transferring the resources in the intermediate service account to the resource account of the receiver according to the cross-platform resource transfer request.

12. The method according to claim 1, wherein the service interworking platform is a blockchain network, and the sender resource service platform, the current resource service platform, and the receiver resource service platform are blockchain nodes in the blockchain network;

the forwarding a cross-platform resource transfer request corresponding to the resource transfer service between the sender resource service platform and the receiver resource service platform through a service interworking platform, and transferring the resource in the sender resource account to the receiver resource account according to the cross-platform resource transfer request includes:

broadcasting a cross-platform resource transfer request corresponding to the resource transfer service to the block chain network, wherein the cross-platform resource transfer request is information obtained by performing digital signature processing on the resource transfer service by the resource sender;

performing consensus authentication on the cross-platform resource transfer request through a block chain link point on the block chain network;

and when the consensus authentication result of the cross-platform resource transfer request is that the authentication is passed, transferring the resource in the resource account of the sender to the resource account of the receiver according to the cross-platform resource transfer request.

13. A resource transfer apparatus, comprising:

the system comprises a sender information acquisition module, a resource transfer module and a resource transfer module, wherein the sender information acquisition module is configured to acquire sender account identification information of a resource sender initiating a resource transfer service on a current resource service platform, and the sender account identification information is identification information of a sender resource account on the sender resource service platform;

the receiver information acquisition module is configured to acquire receiver account identification information of a resource receiver responding to the resource transfer service on the current resource service platform, wherein the receiver account identification information is identification information of a receiver resource account on the receiver resource service platform;

the in-platform resource transfer module is configured to transfer the resource in the sender resource account to the receiver resource account through the sender resource service platform if the sender resource service platform and the receiver resource service platform are identified to be the same platform;

and the inter-platform resource transfer module is configured to forward a cross-platform resource transfer request corresponding to the resource transfer service between the sender resource service platform and the receiver resource service platform through a service interworking platform if the sender resource service platform and the receiver resource service platform are identified to be different platforms, and transfer the resource in the sender resource account to the receiver resource account according to the cross-platform resource transfer request.

14. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method of resource transfer of any one of claims 1 to 12.

15. An electronic device, comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the resource transfer method of any one of claims 1 to 12 via execution of the executable instructions.