CN114912914A - Resource processing method and device, computer equipment and storage medium - Google Patents
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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
Technical Field
The present application relates to the field of computer technologies, and in particular, to a resource processing method and apparatus, a computer device, and a storage medium.
Background
In the related art, banks can sell financing, deposit and other financial products in the internet channel. When a user purchases a financial or financial product, the user usually opens a second type of account by using a first type of account of a bank, then charges the second type of account by using the first type of account through a unionpay channel, and then purchases the financial or financial product by using the second type of account.
The above two types of account recharging methods can only pass through the UnionPay channel, and if the UnionPay interface is not available, recharging cannot be performed. Therefore, the recharging method for the second type of account has a single channel and high channel access cost.
Disclosure of Invention
The application provides a resource processing method, a resource processing device, computer equipment and a storage medium.
An embodiment of an aspect of the present application provides a resource processing method, 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 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, wherein the deduction request comprises information of the resource transfer-out account and the resource amount to be processed;
and in response to the acquisition of the resource deduction success information fed back by the third system, sending a resource transfer request to a fourth system to which the resource receiving account belongs through any clearing platform, wherein the transfer request comprises the information of the resource receiving account and the amount of the resource to be processed.
Another embodiment of the present application provides a resource processing apparatus, which is applied to a first system, where the first system corresponds to multiple clearing platforms, and the apparatus includes:
the acquisition module is used for 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-out account and the amount of resources to be processed;
a sending module, configured to send a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, where the deduction request includes information of the resource transfer-out account and the amount of the resource to be processed;
the sending module is further configured to send a resource transfer request to a fourth system to which the resource receiving account belongs through any one of the liquidation platforms in response to obtaining the resource deduction success information fed back by the third system, where the transfer request includes 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, which includes 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 above aspect.
Another aspect of the present application proposes a non-transitory computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements a method for processing resources as described in an aspect of the present application.
In another embodiment of the present application, a computer program product is provided, which is characterized by including a computer program, and when being executed by a processor, the computer program implements the processing method for the resource according to the foregoing embodiment of the aspect.
According to the resource processing method, the resource processing device, the computer equipment and the storage medium, the resource deduction request is sent to the third system to which the resource transfer-out account belongs through any clearing platform by acquiring the resource processing request sent by the second system, and the resource transfer-in request is sent to the fourth system to which the resource receiving account belongs through any clearing platform in response to the fact that the resource deduction success information fed back by the third system is acquired. 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.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The above and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic flowchart of a resource processing method according to an embodiment of the present application;
fig. 2 is a schematic flowchart of another resource processing method according to an embodiment of the present disclosure;
fig. 3 is a schematic flowchart of another resource processing method according to an embodiment of the present application;
fig. 4 is a schematic flowchart of a type two account recharging provided in the embodiment of the present application;
fig. 5 is a schematic structural diagram of a resource processing apparatus according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be used for explaining the present application and should not be construed as limiting the present application.
A resource processing method, apparatus, computer device, and storage medium according to an embodiment of the present application are described below with reference to the drawings.
Fig. 1 is a schematic flowchart of a resource processing method according to an embodiment of the present application.
The resource processing method in the embodiment of the application can be applied to a first system, wherein the first system can correspond to a plurality of clearing platforms, such as a bank union clearing platform and an internet union clearing platform.
As shown in fig. 1, the resource processing method includes:
In the application, a user can transfer resources from one account to another account through a corresponding application program on a terminal, and at this time, a second system corresponding to the application program can acquire a resource processing request, wherein the resources can be funds, credits, game coins, electronic vouchers and the like. The resource processing request may include information of a resource receiving account, information of a resource transferring account, a resource amount to be processed, and the like.
The second system can register in advance at an enterprise station such as an e-commerce platform and activate a resource processing service, and the second system can interface with a resource processing interface of the enterprise station. After acquiring the resource processing request, the second system can call the resource processing interface and send the resource processing request to the first system, so that the first system can acquire the resource processing request sent by the second system.
The information of the resource receiving account can include an account number of the resource receiving account, a name of a user, identity information, a contact way and the like; the information of the resource transfer-out account can also comprise an account number of the resource transfer-out account, the name, the identity information, the contact way and the like of the belonging user; the resource amount to be processed is the resource amount transferred from the resource transfer-out account to the resource receiving account.
Taking the example that one kind of account of the bank charges the second kind of account, the first kind of account is the resource transfer-out account, the second kind of account is the resource receiving account, and the charging amount is the amount of the resource to be processed. The account opening rows of the first type of account and the second type of account can be the same or different.
The bank system to which the second type account belongs has completed registration at the enterprise station and opened the recharging service of the second type account, and the user can fill the recharging amount in the Application program (APP) of the account opening bank of the second type account, so that the system (i.e. the second system) corresponding to the APP of the account opening bank can acquire the resource processing request, and the second system can send the resource processing request to the first system. The resource processing request includes information of a first type of account, information of a second type of account, a recharge amount, and the like. The information of the first-class account and the information of the second-class account may include a bank card number, a name, identity information, a contact information, and the like of the user.
And 102, sending a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, wherein the deduction request comprises the information of the resource transfer-out account and the resource amount to be processed.
In the present application, the first system may interface with a plurality of clearing platforms, each of which may be connected to a plurality of resource systems, such as a plurality of banking systems. After acquiring the resource processing request sent by the second system, the first system can send a resource deduction request to a third system to which the resource transfer-out account belongs through any one of the plurality of clearing platforms, so that the third system transfers out the resource corresponding to the resource amount to be processed from the resource transfer-out account. The deduction request comprises information of the resource transfer-out account, the amount of the resource to be processed and the like.
For example, when the user charges the second type of account from the first type of bank account, the first system may send a resource deduction request to the bank system to which the first type of account belongs through any corresponding clearing platform, so that the bank system to which the first type of account belongs deducts the charged amount from the first type of account according to the resource deduction request. For example, the recharge amount input by the user is 100 yuan, and then the bank system to which the first kind of account belongs can deduct 100 yuan from the first kind of account after receiving the resource deduction request.
In this application, after processing the resource deduction request, the third system may return resource deduction result information to the first system, and if the resource deduction is successful, feed back the resource deduction success information to the first system, and if the resource deduction is failed, feed back the resource deduction failure information to the first system.
When the first system acquires the resource deduction success information fed back by the third system, the first system can send a resource transfer request to a fourth system to which the resource receiving account belongs through any clearing platform, so that the fourth system transfers resources corresponding to the amount of the resources to be processed to the resource receiving account. The transfer request may include information of the resource receiving account, the amount of the resource to be processed, and the like.
For example, a user charges a second type of account with a first type of bank account, the first system obtains successful resource deduction information fed back by a bank system to which the first type of account belongs through the liquidation platform, at this time, the first system can send a resource transfer request to the bank system to which the second type of account belongs through the liquidation platform, and the bank system to which the second type of account belongs transfers corresponding charging amount to the second type of account after receiving the resource transfer request. For example, the banking system to which the first type of account belongs transfers 100 yuan from the first type of account, and the banking system to which the second type of account belongs can transfer 100 yuan to the second type of account after acquiring the resource transfer request.
It should be noted that, although both the second system and the fourth system in the present application are related to the resource receiving account, the functions of the two systems are different. For example, taking recharging of a second type of account of bank a as an example, the second system and the fourth system are both bank a systems, but the second system is a system corresponding to bank a APP, the system does not have a function of transferring money, and the fourth system in butt joint with the clearing platform has a function of transferring money and can process a resource transfer request.
In the related technology, when a user charges a second type of account by using a first type of account, the user charges the second type of account through a UnionPay channel, and if a UnionPay interface cannot be used, the charging fails. Moreover, banks accessing the unions are limited, and when the account opening bank to which the first-class account and/or the second-class account belongs does not access the unions, the bank cannot be recharged.
In this application, the first system may correspond to a plurality of clearing platforms, and when one of the clearing platforms cannot be used or does not access the bank system to which the first-type account and/or the second-type account belongs, other clearing platforms may be used for processing. Moreover, the first system corresponds to a plurality of clearing platforms, so that more bank systems are accessed, and the application range is widened.
The resource processing method of the embodiment of the application is applied to a first system, the first system corresponds to a plurality of clearing platforms, the resource processing request sent by a second system is obtained, the resource deduction request is sent to a third system to which a resource transfer-out account belongs through any clearing platform, and the resource transfer-in request is sent to a fourth system to which a resource receiving account belongs through any clearing platform in response to the fact that the resource deduction success information fed back by the third system is obtained. 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.
In order to improve the security of resource processing, in an embodiment of the present application, when the first system sends the resource deduction request, the resource deduction request may be sent after a series of checks. Fig. 2 is a schematic flowchart of another resource processing method according to an embodiment of the present application.
As shown in fig. 2, the resource processing method includes:
In the present application, step 201 is similar to step 101, and thus is not described herein again.
In the present application, after acquiring the resource processing request, the first system may check the processing request. When the first system verifies the processing request, parameters in the processing request, such as information of the resource receiving account, information of the resource transferring-out account, the amount of the resource to be processed and the like, can be verified, whether the user identity information of the resource receiving account is matched with the user identity information of the resource transferring-out account or not and whether the amount of the resource to be processed meets preset conditions or not can be verified.
The preset condition may include, but is not limited to, that the amount of resources to be processed is a positive number, that 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 is matched with the user identity information of the resource transferring-out account, and the amount of the resource to be processed meets the preset condition, the resource processing request can be considered to be verified.
Taking the first type account to charge the second type account as an example, the limit for charging the second type account is usually set, when the user charges the second type account with the first type account, the first system can check whether the user name and the identity card number of the first type account are consistent with the user name and the identity card number of the second type account in the resource processing request, and whether the charging amount is less than or equal to the limit. And under the conditions that the user identity information corresponding to the first type of account is consistent with the user identity information corresponding to the second type of account and the recharging amount meets the requirement, the resource processing request can be considered to be verified successfully.
In order to improve the security, when the second system generates the resource processing request according to the operation of the user, the message of the resource processing request can be encrypted, so that after the first system obtains the resource processing request sent by the second system, the first system can decrypt the resource processing request and verify the signature information, and after the signature verification is passed, the first system verifies the parameters in the resource processing request.
And step 203, responding to the processing request, and sending a signing request to the third system through any clearing platform.
In the application, the first system corresponds to a plurality of clearing platforms, and the first system can send a signing request to a third system to which the resource transfer-out account belongs through any clearing platform when the processing request passes the verification. The subscription request may include information of the resource transfer-out account, such as a user name, identity information, a contact address, and the like of the resource transfer-out account.
And 204, 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 signing request.
In this application, after receiving the subscription request, the third system may check the subscription request, for example, check whether the information of the resource transfer-out account in the subscription request is consistent with the information of the resource transfer-out account stored in the third system. If the two systems are consistent, the signing request can be considered to be successfully verified, and at the moment, the third system can feed back a verification result of the signing request to the first system through the clearing platform.
If the subscription request is successfully verified, the third system may also send a verification code to the user through the contact manner in the subscription request, for example, send a short message verification code to the mobile phone number of the user. After the terminal equipment of the user receives the check code, the user can input the check code in the interface of the corresponding application program on the terminal equipment. Correspondingly, the second system corresponding to the application program obtains the resource confirmation request based on the check code trigger.
For example, the user charges the second type of account of bank a with the first type of account of bank B on bank a APP, and inputs the charged amount. After the first system obtains the resource processing request sent by the system corresponding to the bank APP, the first system verifies the resource processing request, and after the resource processing request is verified, the first system sends a signing request to the bank APP through the clearing platform. And the bank B system checks the signing request, after the signing request passes the checking, a short message verification code is sent to a mobile phone number reserved in the bank B by the user, the user inputs the short message verification code on the bank A APP, then the system corresponding to the bank A APP can trigger a resource confirmation request after acquiring the short message verification code input by the user, and the system corresponding to the bank A APP sends the resource confirmation request to the first system.
In the application, after acquiring the confirmation request sent by the second system, the first system verifies the confirmation request. When the confirmation request is verified, whether the confirmation request carries a check code or not can be verified. If the confirmation request carries the check code, the confirmation request can be considered to pass the check.
Or, 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 a resource processing identifier, which is referred to as a first resource processing identifier for convenience of distinction. After the first system passes the verification of the resource processing request, 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 transferring-out account, the amount of the resource to be processed, and the like, can be stored.
When the first system verifies the confirmation request, whether the confirmation request carries the check code and the second resource processing identifier or not and whether the second resource processing identifier is matched with the first resource processing identifier or not can be verified. And the matching of the second resource processing identifier and the first resource processing identifier indicates that the first system stores the resource processing information corresponding to the second resource processing identifier.
If the confirmation request carries the check code and the second resource processing identifier is matched with the first resource processing identifier, the confirmation request can be considered to be verified. Therefore, whether the verification code and the second resource processing identifier are carried in the request or not is confirmed through checking, and whether the second resource processing identifier is matched with the first resource processing identifier or not is judged, so that the safety of resource processing is improved.
Taking the example that the first kind of account of the bank B recharges the second kind of account of the bank A, after the user inputs the recharging amount on the bank A APP, the system corresponding to the bank A APP generates a resource processing identifier, namely an order number, and the order number can be carried in the resource processing request and sent to the first system. The first system can store the order when the resource processing request passes the verification, wherein the order comprises an order number, information of a first type of account, information of a second type of account, a recharge amount and the like.
The method comprises the steps that a first system sends a signing request to a bank B system, the bank B system verifies the signing request, after the signing request passes verification, a short message verification code is sent to a mobile phone number reserved in a bank B by a user, the user inputs the short message verification code on an bank A application program, a system corresponding to a bank A APP can trigger a resource confirmation request after the short message verification code input by the user is obtained, and a system corresponding to the bank A APP sends a resource confirmation request to the first system. The first system checks whether the confirmation request carries the short message verification code or not, and checks whether the order number carried in the confirmation request is matched with the order number stored before, namely, checks whether the order corresponding to the confirmation request is the existing order or not.
In response to the validation request checking, a validation request is sent to the third system, step 206.
In the application, the first system sends the confirmation request to the third system in response to the confirmation request passing the verification, so that the third system verifies the confirmation request.
Since the confirmation request is triggered by the second system after acquiring the check code generated by the third system, in order to improve the security of resource processing, the third system may check whether the check code carried in the confirmation request is consistent with the check code generated by the third system before acquiring the confirmation request. If the first system and the second system are consistent, the confirmation request can be considered to be verified successfully, and the third system can feed back confirmation request verification passing information to the first system; if the verification result is inconsistent with the verification result, the third system can feed back a confirmation request to the first system to verify the failure information.
Taking the case that the first-class account of the bank B recharges the second-class account of the bank A as an example, the system corresponding to the APP of the bank A sends the resource confirmation request to the first system, and the first system sends the resource confirmation request to the system of the bank B after the verification of the resource confirmation request is passed. And the bank system B checks whether the short message verification code carried in the confirmation request is consistent with the short message verification code which is sent to the mobile phone number reserved in the bank B by the user before, namely checks whether the short message verification code input by the user is consistent with the short message verification code which is sent to the user before. If the verification request is consistent with the verification request, the verification request is considered to be passed, and the bank B system can feed back the information that the verification request is passed to the first system.
And step 207, in response to the confirmation request that is fed back by the third system and the check pass information are acquired, sending a resource deduction request to the third system through any liquidation platform.
The first system may start the resource processing process in response to acquiring the confirmation request verification passing information fed back by the third system, that is, after the identity authentication passes. The first system can 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 the resources to be processed from the resource transfer-out account.
And step 208, in response to the acquisition of the resource deduction success information fed back by the third system, sending a resource transfer request to a fourth system to which the resource receiving account belongs through any liquidation platform.
In this embodiment, steps 207-208 are similar to steps 102-103, and thus are not described herein again.
In the embodiment of the application, when a resource deduction request is sent to a third system to which a resource transfer-out account belongs through any liquidation platform, a first system can verify a processing request, after the processing request is verified, a signing request is sent to the third system, and a resource confirmation request sent by a second system is obtained, wherein the confirmation request is triggered after the second system obtains a check code generated by the third system based on the signing request, the first system verifies the confirmation request, after the confirmation request is verified, the confirmation request is sent to the third system, and the resource deduction request is sent to the third system in response to the confirmation request verification passing information fed back by the third system. Therefore, after a series of identity verification passes, the resource processing flow is started, and the safety of resource processing is improved.
In order to facilitate the knowledge of the resource processing process, in an embodiment of the present application, the first system sends a resource transfer request to a fourth system to which the resource receiving account belongs, and the fourth system processes the resource transfer request and feeds back resource transfer result feedback information to the first system.
Then, after the resource transfer request is sent to the fourth system to which the resource receiving account belongs, the first system may obtain 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 the resource transfer success information, the first system can also feed back the resource processing success information to the second system.
In an embodiment of the application, after the first system acquires the resource transfer-in failure information, the first system may further initiate a resource return request to return the resource to the resource transfer-out account. Fig. 3 is a schematic flowchart of another resource processing method according to an embodiment of the present application.
As shown in fig. 3, after sending the resource transfer request to the fourth system to which the resource receiving account belongs, the method further includes:
In the application, the first system may obtain resource transfer-in result feedback information fed back by the fourth system, where the resource transfer-in result information feedback information is resource failure information.
After acquiring 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 can include information of a resource transfer account and the amount of resources to be processed.
And after acquiring the resource returning request, the third system can return the resource corresponding to the resource amount to be processed to the resource transfer-out account and feed back a resource returning result to the first system.
For example, a second class of bank accounts recharge the first class of bank accounts, if the first system obtains the resource transfer failure information fed back by the bank system to which the second class of bank accounts belong, the first system can send a refund request to the bank system to which the first class of bank accounts belong through the clearing platform, so that the bank system to which the first class of bank accounts belongs processes the refund request, the transferred recharge amount is returned to the first class of bank accounts, and a refund result is fed back to the first system. And after the first system obtains the refund result, the first system can feed back a recharging failure result to a system corresponding to the bank APP.
In the embodiment of the application, after obtaining the resource transfer-in result feedback information fed back by the fourth system, the first system may further send a resource return request to the third system through any clearing platform, so as to return the resource corresponding to the amount of the resource to be processed to the resource transfer-out account.
In the above embodiment, the first system corresponds to multiple clearing platforms, the first system sends a subscription request and a resource deduction request to the third system through the clearing platforms, and sends a resource transfer request to the second system, in order to implement system decoupling, a third system and a payment-instead system may also be introduced, the fifth system interfaces multiple clearing platforms, the first system sends the subscription request and the resource deduction request to the fifth system, the fifth system sends the resource deduction request to the third system through any one of the clearing platforms, the first system sends the resource transfer request to the fifth system through the payment-instead system, and the fifth system sends the resource transfer request to the fourth system to which the corresponding resource receiving account belongs through any one of the clearing platforms. Next, a second-class bank account recharge is described with reference to fig. 4, and fig. 4 is a schematic flow chart of the second-class bank account recharge provided in the embodiment of the present application.
The banking system in fig. 4 registers in the enterprise station in advance and opens up the second type of account recharge service. Then, the banking system may interface a type two account recharge request interface and a reconciliation file download interface of the enterprise station.
In fig. 4, the user inputs the amount of money on the bank APP, submits the recharge, the bank system (second system) corresponding to the bank APP calls the second-class account recharge request interface of the enterprise station, and the first system obtains the recharge request sent by the bank system. And after the first system acquires the recharging request, checking information such as the first class account, the second class account, the recharging amount and the like in the recharging request parameters, and simultaneously checking whether the recharging authority of the second class account of the bank system is opened, wherein after the checking is passed, the first system can put the order form corresponding to the recharging request into a warehouse. If the recharging request is not verified, the first system returns a transaction failure result to the bank, namely the bank system acquires recharging failure information.
And after the first system successfully receives the order and puts in storage, reporting to the wind control system to carry out signing wind control verification, initiating a signing request after the signing wind control verification is passed, and sending the signing request to the fifth system. And the fifth system sends the signing request to a bank system belonging to one type of account for verification through any liquidation platform in butt joint with the fifth system. The bank system belonging to the first account verifies the signing request, if the verification is successful, a short message is issued to the mobile phone number corresponding to the first account, and the verification result is fed back to a fifth system (not shown in fig. 4) through a clearing platform. And the fifth system feeds back the signing request verification result to the first system, the first system judges whether the signing request verification is successful, if the signing request verification is failed, the first system returns recharging failure to the bank system, and if the signing request verification is successful, the first system returns transaction processing to the bank system.
The user inputs the short message verification code on the bank APP according to the short message verification code issued by the bank system to which the first kind of account belongs, the bank system generates a recharging confirmation request, calls a recharging confirmation interface of the enterprise station, and sends the recharging confirmation request to the first system. The first system decrypts the recharging confirmation request message, verifies the signature information, and verifies whether the recharging confirmation request carries the short message verification code and the order number and whether the order number exists locally after the verification is successful.
And after the first system passes the verification of the recharging confirmation request, the recharging confirmation request is sent to the fifth system, and the fifth system is sent to the bank system belonging to one type of account for verification through the clearing platform. The bank system to which the account belongs checks whether the short message verification code in the recharge confirmation request is consistent with the short message verification code issued before, and feeds back the check result to a fifth system (not shown in the figure), and the fifth system returns the obtained confirmation result to the first system.
The first system judges whether the short message verification is successful, if the short message verification is unsuccessful, recharging is failed to the bank system, if the short message verification is successful, the first system writes a payment request, the payment request is successfully written, the payment wind control verification is reported to the wind control system, and after the wind control system passes the payment wind control verification, the first system initiates a money deduction request and sends the money deduction request to the fifth system.
The fifth system sends the deduction request to the bank system belonging to one type of account through the liquidation platform for deduction, and the bank system belonging to one type of account feeds back the deduction result to the fifth system (not shown in the figure). And the fifth system feeds back the deduction result to the first system, and the first system judges whether the deduction is successful or not. If the deduction fails, recharging failure is returned to the bank system, if the deduction succeeds, a payment-for-others request is initiated, the payment-for-others request is sent to the payment-for-others system, and the payment-for-others system sends the payment-for-others request to the fifth system.
The fifth system sends the request for payment by agency to the bank system belonging to the second type of account for recharging through the clearing platform, and the bank system belonging to the second type of account feeds back the result of payment by agency to the fifth system (not shown in fig. 4). And the fifth system returns the payment substitute result to the first system through the payment substitute system, and the first system judges whether the payment substitute is successful. If the payment generation is successful, the first system returns recharging success to the bank system, and if the payment generation is failed, the first system initiates a refund request and sends the refund request to the fifth system. And the fifth system sends the refund request to a bank system to which one type of account belongs through a clearing platform. And the bank system to which the 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 recharging failure result to the bank system.
The bank system can download the recharging and reconciliation file of the second type account in the previous day through the reconciliation file downloading interface so as to reconcile with the recharging and reconciliation file of the second type account stored locally.
In order to implement the foregoing embodiments, the present application further provides a resource processing apparatus. Fig. 5 is a schematic structural diagram of a resource processing apparatus according to an embodiment of the present application.
The resource processing device of the embodiment of the application can be applied to a first system, wherein the first system corresponds to a plurality of clearing platforms.
As shown in fig. 5, the processing means of the resource may include: an obtaining module 510 and a sending module 520.
An obtaining module 510, configured to obtain a resource processing request sent by a second system, where the processing request includes information of a resource receiving account, information of a resource transferring-out account, and an amount of a resource to be processed;
a sending module 520, configured to send a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, where the deduction request includes information of the resource transfer-out account and the amount of the resource to be processed;
the sending module 520 is further configured to send, through any of the liquidation platforms, a resource transfer request to a fourth system to which the resource receiving account belongs in response to the acquisition of the resource deduction success information fed back by the third system, where the transfer request includes information of the resource receiving account and the amount of the resource to be processed.
In a possible implementation manner of this embodiment, the sending module 520 includes:
the first checking unit is used for checking the processing request;
a sending unit, configured to send, by the any liquidation platform, a subscription request to the third system in response to the processing request passing the verification;
an obtaining unit, configured to obtain a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining a check code generated by the third system based on the subscription request;
the second checking unit is used for checking 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 liquidation platforms in response to obtaining the confirmation request verification passing information fed back by the third system.
In a possible implementation manner of the embodiment of the present application, the first checking unit is configured to:
and checking whether the user identity information of the resource receiving account is matched with the user identity information of the resource transferring-out account or not and whether the amount of the resources to be processed meets a preset condition or not.
In a possible implementation manner of this embodiment of the present application, the processing request further includes a first resource processing identifier, and the second checking unit is configured to:
and checking whether the confirmation request carries a verification code and a second resource processing identifier and whether the second resource processing identifier is matched with 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:
and acquiring resource transfer-in result feedback information fed back by the fourth system.
In a possible implementation manner of this embodiment, the resource transfer result feedback information is resource transfer failure information, and the sending module 520 is further configured to:
and sending a resource returning request to the third system through any clearing platform, wherein the resource returning request comprises the information of the resource transfer-out account and the amount of the resource to be processed.
It should be noted that the above explanation of the embodiment of the resource processing method is also applicable to the resource processing apparatus of the embodiment, and therefore is not repeated herein.
The resource processing device of the embodiment of the application is applied to a first system, the first system corresponds to a plurality of clearing platforms, a resource deduction request is sent to a third system to which a resource transfer-out account belongs through any clearing platform by acquiring a resource processing request sent by a second system, and a resource transfer-in request is sent to a fourth system to which a resource receiving account belongs through any clearing platform in response to the fact that successful resource deduction information fed back by the third system is acquired. 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.
In order to implement the foregoing embodiments, an embodiment of the present application further provides a computer device, which includes a processor and a memory;
wherein, the processor runs the program corresponding to the executable program code by reading the executable program code stored in the memory, so as to realize the processing method of the resource as described in the above embodiments.
In order to implement the foregoing embodiments, the present application further proposes a non-transitory computer readable storage medium, on which a computer program is stored, where the program is executed by a processor to implement the processing method of the resource as described in the foregoing embodiments.
In order to implement the foregoing embodiment, a computer program product is further provided in an embodiment of the present application, where the computer program product is characterized by including a computer program that, when executed by a processor, implements the resource processing method according to the foregoing embodiment.
In the description of the present specification, the terms "first", "second" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
Although embodiments of the present application have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present application, and that variations, modifications, substitutions and alterations may be made to the above embodiments by those of ordinary skill in the art within the scope of the present application.
Claims (15)
1. A resource processing method is applied to a first system, wherein the first system corresponds to a plurality of clearing platforms, and 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, wherein the deduction request comprises information of the resource transfer-out account and the resource amount to be processed;
and in response to the acquisition of the resource deduction success information fed back by the third system, sending a resource transfer request to a fourth system to which the resource receiving account belongs through any clearing platform, wherein the transfer request comprises the information of the resource receiving account and the amount of the resource to be processed.
2. The method of claim 1, wherein said sending a resource deduction request to a third system to which the resource transfer-out account belongs via any of the clearing platforms comprises:
checking the processing request;
sending a signing request to the third system through any clearing platform in response to the processing request passing the verification;
acquiring a resource confirmation request sent by the second system, wherein the confirmation request is triggered by the second system after acquiring a check code generated by the third system based on the signing request;
checking the confirmation request;
sending the confirmation request to the third system in response to the confirmation request checking passing;
and responding to the confirmation request check passing information fed back by the third system, and sending the resource deduction request to the third system through any clearing platform.
3. The method of claim 2, wherein said verifying said processing request comprises:
and checking whether the user identity information of the resource receiving account is matched with the user identity information of the resource transferring-out account or not and whether the amount of the resources to be processed meets a preset condition or not.
4. The method of claim 2, wherein the processing request further includes a first resource processing identifier, and wherein checking the validation request comprises:
and checking whether the confirmation request carries a verification code and a second resource processing identifier and whether the second resource processing identifier is matched with the first resource processing identifier.
5. The method according to any one of claims 1-4, wherein after said sending a resource transfer request to a fourth system to which said resource receiving account belongs, further comprising:
and acquiring resource transfer-in result feedback information fed back by the fourth system.
6. The method as claimed in claim 5, wherein the resource transfer-in result feedback information is resource transfer-in failure information, and further comprising, after the obtaining of the resource transfer-in result feedback information fed back by the fourth system:
and sending a resource returning request to the third system through any clearing platform, wherein the resource returning request comprises the information of the resource transferring account and the amount of the resource to be processed.
7. A resource processing apparatus applied to a first system corresponding to a plurality of clearing platforms, comprising:
the acquisition module is used for 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;
a sending module, configured to send a resource deduction request to a third system to which the resource transfer-out account belongs through any clearing platform, where the deduction request includes information of the resource transfer-out account and the amount of the resource to be processed;
the sending module is further configured to send a resource transfer request to a fourth system to which the resource receiving account belongs through any one of the liquidation platforms in response to obtaining the resource deduction success information fed back by the third system, where the transfer request includes 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:
the first checking unit is used for checking the processing request;
a sending unit, configured to send, by the any liquidation platform, a subscription request to the third system in response to the processing request passing the verification;
an obtaining unit, configured to obtain a resource confirmation request sent by the second system, where the confirmation request is triggered by the second system after obtaining a check code generated by the third system based on the subscription request;
the second checking unit is used for checking 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 liquidation platforms in response to obtaining the confirmation request verification passing information fed back by the third system.
9. The apparatus of claim 8, wherein the first verification unit is to:
and checking whether the user identity information of the resource receiving account is matched with the user identity information of the resource transferring-out account or not and whether the amount of the resources to be processed meets a preset condition or not.
10. The apparatus as claimed in claim 8, wherein the processing request further includes a first resource processing identifier, and the second checking unit is configured to:
and checking whether the confirmation request carries a verification code and a second resource processing identifier and whether the second resource processing identifier is matched with the first resource processing identifier.
11. The apparatus of any of claims 7-10, wherein the obtaining module is further configured to:
and acquiring resource transfer-in result feedback information fed back by the fourth system.
12. The apparatus of claim 11, wherein the resource transfer-in result feedback information is resource transfer-in failure information, and wherein the sending module is further configured to:
and sending a resource returning request to the third system through any clearing platform, wherein the resource returning request comprises the information of the resource transferring account and the amount of the resource to be processed.
13. A computer device comprising a processor and a memory;
wherein the processor runs a program corresponding to the executable program code by reading the executable program code stored in the memory for implementing the processing method of the resource according to any one of claims 1 to 6.
14. A non-transitory computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements a method for processing a resource as claimed in any one of claims 1 to 6.
15. A computer program product, characterized in that it comprises a computer program which, when being executed by a processor, carries out the processing method of a resource according to any one of claims 1-6.
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