CN114912914A - Resource processing method, apparatus, computer equipment and storage medium - Google Patents

Abstract

The application provides a resource processing method, a resource processing device, a computer device and a storage medium, wherein the method is applied to a first system, the first system corresponds to a plurality of clearing platforms, and the method comprises the following steps: acquiring a resource processing request sent by a second system, wherein the processing request comprises information of a resource receiving account, information of a resource transferring account and the amount of resources to be processed; sending a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform; and responding to the acquired resource deduction success information fed back by the third system, and sending a resource transfer request to a fourth system to which the resource receiving account belongs through any clearing platform. Therefore, after the first system obtains the resource processing request, the first system can send the resource deduction request and the resource transfer-in request through any one of the corresponding plurality of clearing platforms, diversification of resource processing channels is achieved, channel access cost is reduced, and the application range is wide.

Description

Resource processing method, apparatus, computer equipment and storage medium

technical field

The present application relates to the field of computer technology, and in particular, to a method, apparatus, computer device and storage medium for processing resources.

Background technique

In related technologies, banks can sell wealth management, deposits and other financial products through Internet channels. When purchasing wealth management or financial products, users usually first use a first-class bank account to open a second-class account, then use the first-class account to recharge the second-class account through the UnionPay channel, and then use the second-class account to purchase wealth management, financial products, etc.

The above two types of account recharge methods can only be done through the UnionPay channel. If the UnionPay interface is unavailable, the recharge cannot be performed. It can be seen that this type of account recharge method has a single channel and high channel access costs.

SUMMARY OF THE INVENTION

The present application provides a resource processing method, apparatus, computer device and storage medium.

In one aspect of the present application, an embodiment of the present application proposes a method for processing resources, which is applied to a first system, where the first system corresponds to multiple clearing platforms, and the method includes:

Acquiring a resource processing request sent by the second system, wherein the processing request includes information on the resource receiving account, information on the resource transferring account, and the amount of resources to be processed;

Send a resource deduction request to the third system to which the resource transfer account belongs through any clearing platform, wherein the deduction request includes the information of the resource transfer account and the amount of resources to be processed;

In response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any of the clearing platforms, wherein the transfer request includes The resource receiving account information and the amount of the resource to be processed.

Another embodiment of the present application proposes a resource processing device, which is applied to a first system, where the first system corresponds to multiple clearing platforms, and the device includes:

an acquisition module, configured to acquire a resource processing request sent by the second system, wherein the processing request includes information of the resource receiving account, information of the resource transfer account, and the amount of resources to be processed;

A sending module, configured to send a resource deduction request to the third system to which the resource transfer-out account belongs through any clearing platform, wherein the deduction request includes the information of the resource transfer-out account and the pending Resources;

The sending module is further configured to, in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any one of the clearing platforms, wherein , the transfer request includes the information of the resource receiving account and the amount of the resource to be processed.

Another embodiment of the present application provides a computer device, including a processor and a memory;

Wherein, the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the resource processing method according to the embodiment of the foregoing aspect.

Another embodiment of the present application provides a non-transitory computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, implements the resource processing method according to the above-mentioned embodiment of the first aspect.

Another embodiment of the present application provides a computer program product, which is characterized in that it includes a computer program, and when the computer program is executed by a processor, implements the resource processing method according to the above-mentioned embodiment of the first aspect.

The resource processing method, device, computer equipment and storage medium of the embodiments of the present application, by acquiring the resource processing request sent by the second system, and sending a resource deduction request to the third system to which the resource transfer account belongs through any clearing platform, In response to obtaining the resource deduction success information fed back by the third system, a resource transfer request is sent to the fourth system to which the resource receiving account belongs through any clearing platform. Therefore, after obtaining the resource processing request, the first system can send the resource deduction request and the resource transfer request through any one of the corresponding clearing platforms, which realizes the diversification of resource processing channels and reduces the number of channels. Access cost, applicable to a wide range.

Additional aspects and advantages of the present application will be set forth, in part, in the following description, and in part will be apparent from the following description, or learned by practice of the present application.

Description of drawings

The above and/or additional aspects and advantages of the present application will become apparent and readily understood from the following description of embodiments taken in conjunction with the accompanying drawings, wherein:

FIG. 1 is a schematic flowchart of a method for processing a resource according to an embodiment of the present application;

FIG. 2 is a schematic flowchart of another resource processing method provided by an embodiment of the present application;

FIG. 3 is a schematic flowchart of another resource processing method provided by an embodiment of the present application;

FIG. 4 is a schematic flowchart of a type-2 account recharging provided by an embodiment of the present application;

FIG. 5 is a schematic structural diagram of a resource processing apparatus provided by an embodiment of the present application.

Detailed ways

The following describes in detail the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein the same or similar reference numerals refer to the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary, and are intended to be used to explain the present application, but should not be construed as a limitation to the present application.

The following describes the resource processing method, apparatus, computer device, and storage medium of the embodiments of the present application with reference to the accompanying drawings.

FIG. 1 is a schematic flowchart of a method for processing a resource provided by an embodiment of the present application.

The resource processing method in the embodiment of the present application can be applied to the first system, where the first system can correspond to multiple clearing platforms, such as a UnionPay clearing platform, a Netlink clearing platform, and the like.

As shown in Figure 1, the processing method of the resource includes:

Step 101: Acquire a resource processing request sent by the second system, wherein the processing request includes information of the resource receiving account, information of the resource transferring account, and the amount of resources to be processed.

In this application, the user can transfer resources from one account to another account through the corresponding application program on the terminal. At this time, the second system corresponding to the application program can obtain the resource processing request, and the resource here can be funds , points, game currency, electronic vouchers, etc. The resource processing request may include information on the resource receiving account, information on the resource transferring account, the amount of resources to be processed, and the like.

The second system can be pre-registered on an enterprise station such as an e-commerce platform, and a resource processing service can be opened, and the second system can be connected to the resource processing interface of the enterprise station. After obtaining the resource processing request, the second system can call the resource processing interface to send the resource processing request to the first system, so that the first system can obtain the resource processing request sent by the second system.

The information of the resource receiving account may include the account number of the resource receiving account, the user's name, identity information, contact information, etc.; the information of the resource transfer account may also include the account number of the resource transfer account, the name and identity information of the user. , contact information, etc.; the amount of resources to be processed is the amount of resources transferred from the resource transfer account to the resource receiving account.

Taking the bank's first-class account to recharge the second-class account as an example, then the first-class account is the resource transfer account, the second-class account is the resource receiving account, and the recharge amount is the amount of resources to be processed. Among them, the opening bank of the first-class account and the second-class account may be the same or different.

The banking system to which the second-class account belongs has been registered on the enterprise station and the second-class account recharge service has been opened. The user can fill in the recharge amount on the application (Application, APP) of the opening bank of the second-class account, then the corresponding account of the opening bank APP The system (ie, the second system) can obtain the resource processing request, and the second system can send the resource processing request to the first system. Here, the resource processing request includes the information of the first-class account, the information of the second-class account, the recharge amount, and the like. Among them, the information of the first-class account and the information of the second-class account may include the bank card number, the user's name, identity information, contact information, and the like.

Step 102 , through any clearing platform, send a resource deduction request to the third system to which the resource transfer account belongs, wherein the deduction request includes information of the resource transfer account and the amount of resources to be processed.

In this application, the first system can be connected to multiple clearing platforms, and each clearing platform can be connected to multiple resource systems, such as multiple banking systems. After the first system obtains the resource processing request sent by the second system, it can send a resource deduction request to the third system to which the resource transfer account belongs through any one of the multiple clearing platforms, so that the third system can remove the resource from the resource. The transfer account transfers resources corresponding to the amount of resources to be processed. The deduction request includes information about the resource transfer account, the amount of resources to be processed, and the like.

For example, when a user recharges a first-class account to a second-class account from a bank account, the first system can send a resource deduction request to the banking system to which the first-class account belongs through any corresponding clearing platform, so that the banking system to which the first-class account belongs According to the resource deduction request, the top-up amount is deducted from the first-class account. For example, if the recharge amount input by the user is 100 yuan, then the banking system to which the first-class account belongs can deduct 100 yuan from the first-class account after receiving the resource deduction request.

Step 103, in response to obtaining the resource deduction success information fed back by the third system, through any clearing platform, send a resource transfer request to the fourth system to which the resource receiving account belongs.

In this application, after the third system processes the resource deduction request, it can return the resource deduction result information to the first system. If the resource deduction is successful, it will feed back the resource deduction success information to the first system. A system feeds back resource deduction failure information.

When the first system obtains the resource deduction success information fed back by the third system, it can send a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform, so that the fourth system transfers the resource to the resource receiving account. Enter the resource corresponding to the amount of resource to be processed. The transfer-in request may include information of the resource receiving account, the amount of resources to be processed, and the like.

For example, a user recharges a first-class account to a second-class account from a bank, and the first system obtains the resource deduction success information from the banking system to which the first-class account belongs through the clearing platform. The affiliated banking system sends a resource transfer request, and after receiving the resource transfer request, the bank system to which the second-class account belongs will transfer the corresponding recharge amount to the second-class account. For example, the banking system to which the first-class account belongs transfers 100 yuan from the first-class account, and the banking system to which the second-class account belongs can transfer 100 yuan to the second-class account after obtaining the resource transfer request.

It should be noted that although the second system and the fourth system in this application are both related to the resource receiving account, the functions of the two systems are different. For example, taking the recharge of the second-class account of Bank A as an example, the second system and the fourth system are both the system of Bank A, but the second system is the system corresponding to the APP of Bank A. This system does not have the function of transferring funds, but is connected to the clearing platform. The fourth system has the function of allocating funds and can process resource transfer requests.

In the related art, when a user recharges money from a first-class account to a second-class account, he recharges through the UnionPay channel. If the UnionPay interface cannot be used, the recharge will fail. In addition, the banks that can access UnionPay are limited, and when the opening bank to which the first-class account and/or the second-class account belongs is not connected to UnionPay, recharge cannot be performed.

In this application, the first system can correspond to multiple clearing platforms, then when one of the clearing platforms cannot be used or is not connected to the banking system to which the first-class account and/or the second-class account belongs, other clearing platforms can be used for processing. Moreover, the first system corresponds to multiple clearing platforms, so there are relatively more banking systems connected, which increases the scope of application.

The resource processing method according to the embodiment of the present application is applied to the first system. The first system corresponds to multiple clearing platforms. By acquiring the resource processing request sent by the second system, the resources are transferred to the first system to which the account belongs through any clearing platform. The third system sends a resource deduction request, and in response to obtaining the resource deduction success information fed back by the third system, sends a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform. Therefore, after obtaining the resource processing request, the first system can send the resource deduction request and the resource transfer request through any one of the corresponding clearing platforms, which realizes the diversification of resource processing channels and reduces the number of channels. Access cost, applicable to a wide range.

In order to improve the security of resource processing, in an embodiment of the present application, when the first system sends a resource deduction request, the resource deduction request may be sent after a series of verifications. The following description will be made with reference to FIG. 2 , which is a schematic flowchart of another method for processing resources provided by an embodiment of the present application.

As shown in Figure 2, the processing method of the resource includes:

Step 201: Acquire a resource processing request sent by the second system, where the processing request includes information of a resource receiving account, information of a resource transferring account, and an amount of resources to be processed.

In this application, step 201 is similar to the above-mentioned step 101, so it is not repeated here.

Step 202, verifying the processing request.

In the present application, after acquiring the resource processing request, the first system can verify the processing request. When verifying the processing request, the first system can verify the parameters in the processing request, such as the information of the resource receiving account, the information of the resource transfer account, the amount of resources to be processed, etc., and can verify the resource receiving account. Whether the user identity information of the resource transfer account matches the user identity information of the resource transfer account, and whether the amount of resources to be processed meets the preset conditions.

The preset conditions may include, but are not limited to, the amount of resources to be processed is a positive number, the amount of resources to be processed is less than or equal to a preset threshold, and the like.

If the user identity information of the resource receiving account matches the user identity information of the resource transferring account, and the amount of resources to be processed satisfies the preset conditions, it can be considered that the verification of the resource processing request has passed.

Taking the top-up of the first-class account to the second-class account as an example, the limit for recharging the second-class account is usually set. When the user uses the first-class account to recharge the second-class account, the first system can verify that in the resource processing request, the first-class account is Whether the user name and ID number of the account are consistent with the user name and ID number of the second-class account, and whether the recharge amount is less than or equal to the limit. If the user identity information corresponding to the first-class account is consistent with the user identity information corresponding to the second-class account, and the recharge amount meets the requirements, it can be considered that the verification of the resource processing request is successful.

In order to improve security, when the second system generates a resource processing request according to the user's operation, it can encrypt the message of the resource processing request. After obtaining the resource processing request sent by the second system, the first system can The processing request is decrypted and the signature information is verified. After the signature verification is passed, the parameters in the resource processing request are verified.

Step 203, in response to the verification of the processing request being passed, send a contract request to the third system through any clearing platform.

In this application, the first system corresponds to multiple clearing platforms, and in response to the verification of the processing request being passed, the first system can send a contract request to the third system to which the resource transfer account belongs through any clearing platform. The signing request may include information on the resource transfer account, such as the user name, identity information, contact information, and the like of the resource transfer account.

Step 204: Acquire a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after acquiring the check code generated by the third system based on the subscription request.

In this application, after receiving the contract request, the third system can verify the contract request, such as verifying whether the information of the resource transfer account in the contract request is consistent with the information of the resource transfer account stored in the third system . If they are consistent, it can be considered that the verification of the signing request is successful, and then the third system can feed back the verification result of the signing request to the first system through the clearing platform.

If the verification of the signing request is successful, the third system may also send a verification code to the user through the contact information in the signing request, for example, sending a SMS verification code to the user's mobile phone number. After the user's terminal device receives the verification code, the user can input the verification code in the interface of the corresponding application program on the terminal device. Correspondingly, the second system corresponding to the application program triggers and obtains the resource confirmation request based on the check code.

For example, on the APP of Bank A, the user recharges the first-class account of Bank B to the second-class account of Bank A, and enters the recharge amount. After obtaining the resource processing request sent by the system corresponding to Bank A's APP, the first system verifies the resource processing request. After the verification of the resource processing request is passed, it sends a contract request to the Bank B system through the clearing platform. The system of Bank B verifies the contract request. After the verification of the contract request is passed, it sends the SMS verification code to the mobile phone number reserved by the user in Bank B. The user enters the SMS verification code on the Bank A APP, then the system corresponding to the Bank A APP After obtaining the SMS verification code input by the user, a resource confirmation request can be triggered, and the system corresponding to the Bank A APP sends a resource confirmation request to the first system.

Step 205, verify the confirmation request.

In this application, after acquiring the confirmation request sent by the second system, the first system verifies the confirmation request. When verifying the confirmation request, it can be verified whether the confirmation request carries a verification code. If the confirmation request carries a verification code, it can be considered that the confirmation request has passed the verification.

Alternatively, the second system generates a corresponding resource processing identifier based on a user operation, and the resource processing request sent by the second system to the first system may further include the resource processing identifier, which is referred to as the first resource processing identifier for ease of distinction. After the first system verifies the resource processing request, it can save the resource processing information corresponding to the resource processing request, such as the resource processing identifier, the information of the resource receiving account, the information of the resource transfer account, and the amount of resources to be processed, etc. .

When verifying the confirmation request, the first system can verify whether the confirmation request carries the check code and the second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier. The second resource processing identifier matches the first resource processing identifier, indicating that resource processing information corresponding to the second resource processing identifier is stored in the first system.

If the confirmation request carries a check code and the second resource processing identifier matches the first resource processing identifier, it can be considered that the verification request is passed. Therefore, it is verified whether the request carries the verification code and the second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier, thereby improving the security of resource processing.

Take bank B's first-class account to recharge bank A's second-class account as an example, when the user enters the recharge amount on Bank A's APP, the system corresponding to Bank A's APP will generate a resource processing identifier, that is, the order number. It is carried in the resource processing request and sent to the first system. The first system can save the order after the verification of the resource processing request is passed, including the order number, the information of the first-class account, the information of the second-class account, the recharge amount, and the like.

The first system sends a contract request to the system of Bank B, and the system of Bank B verifies the contract request. After the verification of the contract request is passed, it sends a SMS verification code to the mobile phone number reserved by the user in Bank B. Enter the SMS verification code. After obtaining the SMS verification code entered by the user, the system corresponding to the Bank A APP can trigger a resource confirmation request, and the system corresponding to the Bank A APP sends a resource confirmation request to the first system. The first system verifies whether the confirmation request carries the SMS verification code, and verifies whether the order number carried in the confirmation request matches the previously stored order number, that is, whether the order corresponding to the confirmation request is an existing order.

Step 206, in response to the confirmation request passing the verification, send a confirmation request to the third system.

In the present application, the first system sends a confirmation request to the third system in response to the verification of the confirmation request being passed, so that the third system can verify the confirmation request.

Since the confirmation request is triggered by the second system after obtaining the check code generated by the third system, in order to improve the security of resource processing, after obtaining the confirmation request, the third system can verify the check code carried in the confirmation request. Check whether the verification code is consistent with the verification code previously generated by the third system. If they are consistent, it can be considered that the confirmation request verification is successful, and the third system can feed back the confirmation request verification pass information to the first system; if not, the third system can feed back confirmation request verification failure information to the first system.

Taking the above-mentioned first-class account of Bank B to recharge the second-class account of Bank A as an example, the system corresponding to Bank A's APP sends a resource confirmation request to the first system. After the first system verifies the resource confirmation request, the resource confirmation request Sent to B bank system. The system of Bank B verifies whether the SMS verification code carried in the confirmation request is consistent with the SMS verification code previously sent to the mobile phone number reserved by the user in Bank B, that is to say, it verifies whether the SMS verification code entered by the user is the same as that sent to the user before. The user's SMS verification code is the same. If they are consistent, it can be considered that the verification of the confirmation request is passed, and the system of Bank B can feed back the information that the verification of the confirmation request is passed to the first system.

Step 207 , in response to obtaining the confirmation request verification pass information fed back by the third system, send a resource deduction request to the third system through any clearing platform.

In response, the first system obtains the confirmation request verification passed information fed back by the third system, that is, after the identity verification is passed, the process of starting the resource processing can be performed. The first system may send a resource deduction request to the third system through any clearing platform, so that the third system deducts resources corresponding to the amount of resources to be processed from the resource transfer account.

Step 208 , in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform.

In this embodiment, steps 207 to 208 are similar to the above-mentioned steps 102 to 103, and thus are not repeated here.

In the embodiment of the present application, when a resource deduction request is sent to the third system to which the resource transfer account belongs through any clearing platform, the first system can verify the processing request, and after the verification of the processing request is passed, the third system can be sent to the third system. The system sends a contract request, and obtains a resource confirmation request sent by the second system, wherein the confirmation request is triggered by the second system after obtaining the check code generated by the third system based on the contract request, and the first system checks the confirmation request. After the verification of the verification request is passed, the verification request is sent to the third system, and the resource deduction request is sent to the third system in response to obtaining the verification request verification passed information fed back by the third system. Therefore, after a series of identity verifications are passed, the resource processing flow is started, which improves the security of resource processing.

In order to facilitate the understanding of the resource processing process, in an embodiment of the present application, the first system sends a resource transfer request to the fourth system to which the resource receiving account belongs, and the fourth system processes the resource transfer request and sends the resource transfer request to the first system. Feedback resources are transferred to result feedback information.

Then, after the resource transfer request is sent to the fourth system to which the resource receiving account belongs, the first system can obtain the resource transfer result feedback information fed back by the fourth system. The resource transfer result feedback information may be resource transfer failure information or resource transfer success information. If the resource transfer result information is resource transfer success information, the first system may also feed back resource processing success information to the second system.

In an embodiment of the present application, after acquiring the resource transfer failure information, the first system may further initiate a resource return request to return the resource to the resource transfer out account. The following description will be made with reference to FIG. 3 , which is a schematic flowchart of another resource processing method provided by an embodiment of the present application.

As shown in Figure 3, after sending a resource transfer request to the fourth system to which the resource receiving account belongs, the method further includes:

Step 301: Obtain resource transfer result feedback information fed back by the fourth system, where the resource transfer result feedback information is resource transfer failure information.

In this application, the first system can obtain the resource transfer result feedback information fed back by the fourth system, where the resource transfer result information feedback information is resource failure information.

Step 302 , through any clearing platform, send a resource return request to the third system, wherein the resource return request includes the information of the resource transfer account and the amount of resources to be processed.

After obtaining the resource transfer failure information fed back by the fourth system, the first system can send a resource return request to the third system through any clearing platform, wherein the resource return request may include the information of the resource transfer account and the information of the pending resource transfer account. The amount of resources processed.

After obtaining the resource return request, the third system can return the resource corresponding to the amount of the resource to be processed to the resource transfer account, and feed back the resource return result to the first system.

For example, when the second-class account of the bank is recharged to the first-class account of the bank, if the first system obtains the resource transfer failure information fed back by the banking system to which the second-class account belongs, the first system can recharge the bank system to which the first-class account belongs through the clearing platform. Send a refund request, so that the bank system to which the first-class account belongs to process the refund request, return the transferred recharge amount to the first-class account, and feed back the refund result to the first system. After the first system obtains the refund result, it can feed back the recharge failure result to the system corresponding to the bank APP.

In this embodiment of the present application, after obtaining the resource transfer result feedback information fed back by the fourth system, the first system may also send a resource return request to the third system through any clearing platform, so as to convert the amount of resources to be processed corresponding to the amount of resources to be processed. The resource is returned to the resource transfer account.

In the above embodiment, the first system corresponds to multiple clearing platforms, and the first system sends a contract request and a resource deduction request to the third system through the clearing platform, and sends a resource transfer request to the second system. The first system and the payment system can be introduced, the fifth system is connected to multiple clearing platforms, the first system sends a contract request and a resource deduction request to the fifth system, and the fifth system sends and resources to the third system through any clearing platform. The deduction request and the resource transfer request sent by the first system to the fifth system through the payment system, and then sent by the fifth system to the fourth system to which the corresponding resource receiving account belongs through any clearing platform. The following description will be given with reference to FIG. 4 by taking the recharging of a second-class account of a bank as an example. FIG. 4 is a schematic flowchart of a recharging of a second-class account according to an embodiment of the present application.

The banking system in Figure 4 is pre-registered at the enterprise station, and the second-class account recharge service is opened. Then, the banking system can connect to the second-class account recharge request interface and the reconciliation file download interface of the enterprise station.

In Figure 4, the user enters the amount on the bank APP, submits the recharge, the bank system (second system) corresponding to the bank APP calls the recharge request interface of the second-class account of the enterprise station, and the first system obtains the recharge request sent by the bank system. After the first system obtains the recharge request, it verifies the information such as the first-class account, the second-class account, and the recharge amount in the recharge request parameters, and at the same time verifies whether the recharge authority of the second-class account in the banking system is enabled. The system can receive the order corresponding to the recharge request and store it in the warehouse. If the recharge request fails the verification, the first system returns a transaction failure result to the bank, that is, the bank system obtains the recharge failure information.

After the first system receives the order and stores it successfully, it can be submitted to the risk control system for contract risk control verification. After the contract risk control verification is passed, a contract request is initiated, and the contract request is sent to the fifth system. The fifth system sends the signing request to the banking system to which the first-class account belongs to for verification through any clearing platform connected to it. The banking system to which the first-class account belongs verifies the contract request. If the verification is successful, it sends a short message to the mobile phone number corresponding to the first-class account, and feeds back the verification result to the fifth system through the clearing platform (not shown in Figure 4 ). Shows). The fifth system feeds back the verification result of the signing request to the first system, and the first system judges whether the verification of the signing request is successful.

The user enters the SMS verification code on the bank APP according to the SMS verification code issued by the banking system to which the first-class account belongs, and the banking system generates a recharge confirmation request, and calls the recharge confirmation interface of the enterprise station to send the recharge confirmation request to the first system. The first system decrypts the recharge confirmation request message and verifies the signature information. After the verification is successful, it verifies whether the recharge confirmation request carries the SMS verification code and order number, and whether the order number already exists locally.

After the first system verifies the recharge confirmation request, it sends the recharge confirmation request to the fifth system, and the fifth system sends the recharge confirmation request to the bank system to which the first-class account belongs for verification through the clearing platform. The banking system to which the first-class account belongs verifies whether the SMS verification code in the recharge confirmation request is consistent with the previously issued SMS verification code, and feeds back the verification result to the fifth system (not shown in the figure). The obtained confirmation result is returned to the first system.

The first system determines whether the SMS verification is successful. If the SMS verification is unsuccessful, it will return the recharge failure to the bank system. If the SMS verification is successful, the first system will write a payment request, and the payment request will be successfully written, and will be submitted to the risk control system. After the risk control system passes the payment risk control verification, the first system initiates a deduction request, and sends the deduction request to the fifth system.

The fifth system sends the deduction request through the clearing platform to the banking system to which the first-class account belongs for deduction, and the banking system to which the first-class account belongs feeds back the deduction result to the fifth system (not shown in the figure). The fifth system feeds back the deduction result to the first system, and the first system determines whether the deduction is successful. If the deduction fails, the recharge failure is returned to the banking system. If the deduction is successful, an agency payment request is initiated, the agency payment request is sent to the agency payment system, and the agency payment system sends the agency payment request to the fifth system.

The fifth system sends an agency payment request to the banking system to which the second-class account belongs to recharge through the clearing platform, and the bank system to which the second-class account belongs feeds back the agency payment result to the fifth system (not shown in FIG. 4 ). The fifth system returns the payment result to the first system through the payment system, and the first system judges whether the payment is successful. If the agency payment is successful, the first system returns the recharge success to the banking system, and if the agency payment fails, the first system initiates a refund request and sends the refund request to the fifth system. The fifth system sends the refund request to the banking system to which the first-class account belongs through the clearing platform. The banking system to which the first-class account belongs processes the refund request and feeds back the refund result to the fifth system, the fifth system returns the refund result to the first system, and the first system returns the recharge failure result to the banking system.

The banking system can download the recharge reconciliation file for the second-class account on the previous day through the reconciliation file download interface to perform reconciliation with the locally stored recharge and reconciliation file for the second-class account.

In order to implement the above embodiments, the embodiments of the present application further propose a resource processing apparatus. FIG. 5 is a schematic structural diagram of a resource processing apparatus provided by an embodiment of the present application.

The resource processing apparatus in this embodiment of the present application may be applied to a first system, where the first system corresponds to multiple clearing platforms.

As shown in FIG. 5 , the apparatus for processing the resource may include: an acquiring module 510 and a sending module 520 .

an obtaining module 510, configured to obtain a resource processing request sent by the second system, wherein the processing request includes information of the resource receiving account, information of the resource transfer account, and the amount of resources to be processed;

The sending module 520 is configured to send a resource deduction request to the third system to which the resource transfer-out account belongs through any clearing platform, wherein the deduction request includes the information of the resource transfer-out account and the pending processing the amount of resources;

The sending module 520 is further configured to, in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any of the clearing platforms, Wherein, the transfer-in request includes information of the resource receiving account and the amount of resources to be processed.

In a possible implementation manner of the embodiment of the present application, the sending module 520 includes:

a first verification unit, configured to verify the processing request;

a sending unit, configured to send a contract request to the third system through any of the clearing platforms in response to the verification of the processing request being passed;

An acquiring unit, configured to acquire a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after acquiring the check code generated by the third system based on the subscription request ;

a second verification unit, configured to verify the confirmation request;

The sending unit is further configured to send the confirmation request to the third system in response to the confirmation request passing the verification;

The sending unit is further configured to send the resource deduction request to the third system through any of the clearing platforms in response to obtaining the verification request verification information fed back by the third system.

In a possible implementation manner of the embodiment of the present application, the first verification unit is configured to:

Check whether the user identity information of the resource receiving account matches the user identity information of the resource transfer account, and whether the amount of resources to be processed satisfies a preset condition.

In a possible implementation manner of the embodiment of the present application, the processing request further includes a first resource processing identifier, and the second verification unit is configured to:

Check whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier.

In a possible implementation manner of the embodiment of the present application, the obtaining module 510 is further configured to:

Obtain the resource transfer result feedback information fed back by the fourth system.

In a possible implementation manner of the embodiment of the present application, the resource transfer result feedback information is resource transfer failure information, and the sending module 520 is further configured to:

A resource return request is sent to the third system through any of the clearing platforms, wherein the resource return request includes the information of the resource transfer account and the amount of resources to be processed.

It should be noted that, the above-mentioned explanations of the embodiments of the method for processing resources are also applicable to the apparatus for processing resources in this embodiment, and thus are not repeated here.

The resource processing apparatus of the embodiment of the present application is applied to the first system, the first system corresponds to multiple clearing platforms, and by acquiring the resource processing request sent by the second system, through any clearing platform, the resources are transferred to the first system to which the account belongs. The third system sends a resource deduction request, and in response to obtaining the resource deduction success information fed back by the third system, sends a resource transfer request to the fourth system to which the resource receiving account belongs through any clearing platform. Therefore, after obtaining the resource processing request, the first system can send the resource deduction request and the resource transfer request through any one of the corresponding clearing platforms, which realizes the diversification of resource processing channels and reduces the number of channels. Access cost, applicable to a wide range.

In order to implement the above embodiments, the embodiments of the present application further provide a computer device, including a processor and a memory;

The processor executes the program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the resource processing method according to the foregoing embodiment.

In order to implement the above embodiments, the embodiments of the present application further provide a non-transitory computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, implements the resource processing method described in the above embodiments.

In order to implement the above embodiments, the embodiments of the present application further provide a computer program product, which is characterized in that it includes a computer program, and when executed by a processor, the computer program implements the resource processing method according to the above embodiments.

In the description of this specification, the terms "first" and "second" are only used for descriptive purposes, and cannot be understood as indicating or implying relative importance or implying the number of indicated technical features. Thus, a feature delimited with "first", "second" may expressly or implicitly include at least one of that feature. In the description of the present application, "plurality" means at least two, such as two, three, etc., unless expressly and specifically defined otherwise.

Although the embodiments of the present application have been shown and described above, it should be understood that the above embodiments are exemplary and should not be construed as limitations to the present application. Embodiments are subject to variations, modifications, substitutions and variations.

Claims (15)

1. A resource processing method, characterized in that it is applied to a first system, wherein the first system corresponds to multiple clearing platforms, comprising: Acquiring a resource processing request sent by the second system, wherein the processing request includes information on the resource receiving account, information on the resource transferring account, and the amount of resources to be processed; Send a resource deduction request to the third system to which the resource transfer account belongs through any clearing platform, wherein the deduction request includes the information of the resource transfer account and the amount of resources to be processed; In response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any of the clearing platforms, wherein the transfer request includes The resource receiving account information and the amount of the resource to be processed. 2. The method according to claim 1, wherein the sending a resource deduction request to a third system to which the resource transfer account belongs through any clearing platform, comprising: verifying the processing request; In response to the verification of the processing request being passed, sending a contract request to the third system through any of the clearing platforms; acquiring a resource confirmation request sent by the second system, wherein the confirmation request is triggered by the second system after acquiring the check code generated by the third system based on the subscription request; verifying the confirmation request; Sending the confirmation request to the third system in response to the confirmation request passing the verification; The resource deduction request is sent to the third system through any one of the clearing platforms in response to obtaining the confirmation request verification pass information fed back by the third system. 3. The method of claim 2, wherein the verifying the processing request comprises: Check whether the user identity information of the resource receiving account matches the user identity information of the resource transfer account, and whether the amount of resources to be processed satisfies a preset condition. 4. The method of claim 2, wherein the processing request further includes a first resource processing identifier, and the verifying the confirmation request comprises: Check whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier. 5. The method according to any one of claims 1-4, wherein after the sending a resource transfer request to the fourth system to which the resource receiving account belongs, the method further comprises: Obtain the resource transfer result feedback information fed back by the fourth system. 6. The method of claim 5, wherein the resource transfer result feedback information is resource transfer failure information, and after obtaining the resource transfer result feedback information fed back by the fourth system, further include: A resource return request is sent to the third system through any of the clearing platforms, wherein the resource return request includes the information of the resource transfer account and the amount of resources to be processed. 7. A resource processing device, characterized in that it is applied to a first system, wherein the first system corresponds to multiple clearing platforms, comprising: an acquisition module, configured to acquire a resource processing request sent by the second system, wherein the processing request includes information of the resource receiving account, information of the resource transfer account, and the amount of resources to be processed; A sending module, configured to send a resource deduction request to the third system to which the resource transfer-out account belongs through any clearing platform, wherein the deduction request includes the information of the resource transfer-out account and the pending Resources; The sending module is further configured to, in response to obtaining the resource deduction success information fed back by the third system, send a resource transfer request to the fourth system to which the resource receiving account belongs through any one of the clearing platforms, wherein , the transfer-in request includes the information of the resource receiving account and the amount of the resource to be processed. 8. The apparatus of claim 7, wherein the sending module comprises: a first verification unit, configured to verify the processing request; a sending unit, configured to send a contract request to the third system through any of the clearing platforms in response to the verification of the processing request being passed; An acquiring unit, configured to acquire a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after acquiring the check code generated by the third system based on the subscription request ; a second verification unit, configured to verify the confirmation request; The sending unit is further configured to send the confirmation request to the third system in response to the confirmation request passing the verification; The sending unit is further configured to send the resource deduction request to the third system through any of the clearing platforms in response to obtaining the verification request verification information fed back by the third system. 9. The apparatus according to claim 8, wherein the first verification unit is used for: Check whether the user identity information of the resource receiving account matches the user identity information of the resource transfer account, and whether the amount of resources to be processed satisfies a preset condition. 10. The apparatus according to claim 8, wherein the processing request further comprises a first resource processing identifier, and the second verification unit is configured to: Check whether the confirmation request carries a verification code and a second resource processing identifier, and whether the second resource processing identifier matches the first resource processing identifier. 11. The device according to any one of claims 7-10, wherein the acquisition module is further configured to: Obtain the resource transfer result feedback information fed back by the fourth system. 12. The apparatus of claim 11, wherein the resource transfer result feedback information is resource transfer failure information, and the sending module is further configured to: A resource return request is sent to the third system through any of the clearing platforms, wherein the resource return request includes the information of the resource transfer account and the amount of resources to be processed. 13. A computer device, comprising a processor and a memory; Wherein, the processor executes a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to realize the processing of the resource according to any one of claims 1-6. Approach. 14. A non-transitory computer-readable storage medium on which a computer program is stored, characterized in that, when the program is executed by a processor, the method for processing a resource according to any one of claims 1-6 is implemented. 15. A computer program product, comprising a computer program that, when executed by a processor, implements the resource processing method according to any one of claims 1-6.

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