CN115345606A - Resource transfer request processing method and device, computer equipment and storage medium - Google Patents

Resource transfer request processing method and device, computer equipment and storage medium Download PDF

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Publication number
CN115345606A
CN115345606A CN202211004163.8A CN202211004163A CN115345606A CN 115345606 A CN115345606 A CN 115345606A CN 202211004163 A CN202211004163 A CN 202211004163A CN 115345606 A CN115345606 A CN 115345606A
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CN
China
Prior art keywords
resource
transfer request
resource transfer
account
processing
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CN202211004163.8A
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Chinese (zh)
Inventor
郑永鹏
陈彦鑫
胡玮
蔡跃进
王玄德
薛红星
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China Construction Bank Corp
CCB Finetech Co Ltd
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China Construction Bank Corp
CCB Finetech Co Ltd
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Priority to CN202211004163.8A priority Critical patent/CN115345606A/en
Publication of CN115345606A publication Critical patent/CN115345606A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The present disclosure relates to the field of big data processing technologies, and in particular, to a method and an apparatus for processing a resource transfer request, a computer device, a storage medium, and a computer program product. The method comprises the following steps: responding to a resource transfer request of a service mechanism sent by a terminal through a resource interaction system, acquiring an account identifier corresponding to the resource transfer request, and determining a virtual account corresponding to the account identifier, wherein the virtual account is established according to the service mechanism in the resource interaction system and is associated with a user account through the account identifier; and processing the resource transfer request by adopting the virtual account and/or the user account to generate a processing result of the resource transfer request. By adopting the method, the existing resource interaction system can be directly connected, and the resource transfer request of the service mechanism is processed based on the virtual account established by the service mechanism where the terminal is located and the existing user account, so that the processing cost of the resource transfer request is reduced, and the processing efficiency of the resource transfer request is improved.

Description

Resource transfer request processing method and device, computer equipment and storage medium
Technical Field
The present disclosure relates to the field of big data processing technologies, and in particular, to a method and an apparatus for processing a resource transfer request, a computer device, a storage medium, and a computer program product.
Background
At present, most of consumption places independently build an independent industry value card management system, and a user can open a card, recharge and the like in the industry value card management system to obtain the own industry value card. Subsequent users can directly utilize the industry value card to carry out consumption payment in consumption places. For example, the elderly can register an industry payment card for transacting the elderly at the elderly institution, so that consumption payment can be performed in places such as dining halls, supermarkets, bathrooms and the like in the elderly institution by using the industry payment card subsequently.
In the traditional technology, a technician is required to write a corresponding processing program according to industry stored-value card management processes of card opening, recharging, offline payment, cancellation and the like so as to establish an industry stored-value card management system. Then, an industry value card acceptance terminal corresponding to the industry value card management system is needed to be configured. The user can subsequently adopt the industry value card to carry out consumption payment on the industry value card acceptance terminal. However, by adopting the consumption payment method in the traditional technology, because the industry value cards of different consumption places can not be communicated with each other, each consumption place needs to independently establish a set of industry value card management system, and the problems of time and labor waste easily exist.
Disclosure of Invention
In view of the foregoing, it is desirable to provide an efficient resource transfer request processing method, apparatus, computer device, computer readable storage medium and computer program product.
In a first aspect, the present disclosure provides a method for processing a resource transfer request. Applied to a resource interaction system, the method comprises the following steps:
responding to a resource transfer request of a service mechanism sent by a terminal, and acquiring an account identifier corresponding to the resource transfer request, wherein the account identifier is generated according to a user account in the resource interaction system;
determining a virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system according to the service mechanism, and the virtual account is associated with the user account through the account identifier;
and processing the resource transfer request by adopting the virtual account and/or the user account to generate a processing result of the resource transfer request.
In one embodiment, the obtaining, in response to a resource transfer request of a service mechanism sent by a terminal, an account identifier corresponding to the resource transfer request includes:
responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request;
before the processing the resource transfer request by using the virtual account and/or the user account to generate a processing result of the resource transfer request, the method further includes:
acquiring a residual resource parameter corresponding to the virtual account;
and responding to the comparison result that the residual resource parameter is greater than or equal to the transfer resource parameter, and executing the step of processing the resource transfer request by adopting the virtual account to generate the processing result of the resource transfer request.
In one embodiment, the method further comprises:
and responding to the comparison result that the residual resource parameter is smaller than the transfer resource parameter, and executing the step of processing the resource transfer request by adopting the user account to generate the processing result of the resource transfer request.
In one embodiment, the obtaining, in response to a resource transfer request of a service mechanism sent by a terminal, an account identifier corresponding to the resource transfer request includes:
and responding to the resource transfer request, and decrypting the resource transfer request to obtain the account identifier in the resource transfer request.
In one embodiment, the method further comprises:
generating a response message corresponding to the processing result according to the processing result of the resource transfer request;
and encrypting the response message to obtain a response ciphertext, and sending the response ciphertext to the terminal.
In a second aspect, the present disclosure further provides a method for processing a resource transfer request. The method is applied to the terminal and comprises the following steps:
acquiring an account identifier and transferring resource parameters, wherein the account identifier is generated according to a user account in a resource interaction system;
generating a resource transfer request of a corresponding service mechanism according to the account identification and the resource transfer parameter;
sending the resource transfer request to a resource interaction system to instruct the resource interaction system to process the resource transfer request and determine a virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier;
and receiving a processing result of the resource transfer request returned by the resource interaction system, wherein the processing result is generated by processing the resource transfer request by adopting the virtual account and/or the user account through the resource interaction system.
In one embodiment, the generating a resource transfer request of a corresponding service mechanism according to the account identifier and the resource transfer parameter includes: and encrypting the account identification and the resource transferring parameter to generate the resource transferring request.
In one embodiment, the receiving a processing result of the resource transfer request returned by the resource interaction system includes:
receiving a response ciphertext sent by the resource interaction system;
and decrypting the response ciphertext to obtain the processing result.
In a third aspect, the present disclosure further provides a device for processing a resource transfer request. Applied to a resource interaction system, the device comprises:
the request response module is used for responding to a resource transfer request of a service mechanism sent by a terminal and acquiring an account identifier corresponding to the resource transfer request, wherein the account identifier is generated according to a user account in the resource interaction system;
the account determining module is used for determining a virtual account corresponding to the account identifier, the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier;
and the request processing module is used for processing the resource transfer request by adopting the virtual account and/or the user account and generating a processing result of the resource transfer request.
In one embodiment, the request response module is further configured to:
responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request;
the request processing module comprises:
a parameter obtaining unit, configured to obtain a remaining resource parameter corresponding to the virtual account;
and the parameter comparison unit is used for responding to the comparison result that the residual resource parameter is greater than or equal to the transfer resource parameter, and executing the step of processing the resource transfer request by adopting the virtual account and generating the processing result of the resource transfer request.
In one embodiment, the parameter comparing unit is further configured to, in response to a comparison result that the remaining resource parameter is smaller than the transfer resource parameter, execute the step of processing the resource transfer request by using the user account to generate a processing result of the resource transfer request.
In one embodiment, the request response module is further configured to decrypt the resource transfer request in response to the resource transfer request, so as to obtain the account identifier in the resource transfer request.
In one embodiment, the apparatus further comprises:
the message generating module is used for generating a response message corresponding to the processing result according to the processing result of the resource transfer request;
and the message encryption module is used for encrypting the response message to obtain a response ciphertext and sending the response ciphertext to the terminal.
In a fourth aspect, the present disclosure further provides a device for processing a resource transfer request. Applied to a terminal, the apparatus comprising:
the data acquisition module is used for acquiring an account identifier and transferring the resource parameters, wherein the account identifier is generated according to a user account in the resource interaction system;
the request generation module is used for generating a resource transfer request of a corresponding service mechanism according to the account identifier and the resource transfer parameter;
a request sending module, configured to send the resource transfer request to a resource interaction system, so as to instruct the resource interaction system to process the resource transfer request and determine a virtual account corresponding to the account identifier, where the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier;
and the result receiving module is used for receiving a processing result of the resource transfer request returned by the resource interaction system, wherein the processing result is generated by processing the resource transfer request by adopting the virtual account and/or the user account through the resource interaction system.
In one embodiment, the request generating module is further configured to:
and encrypting the account identification and the resource transfer parameter to generate the resource transfer request.
In one embodiment, the result receiving module includes:
the message receiving unit is used for receiving a response ciphertext sent by the resource interaction system;
and the message decryption unit is used for decrypting the response ciphertext to obtain the processing result.
In a fifth aspect, the present disclosure also provides a computer device. The computer device includes a memory and a processor, where the memory stores a computer program, and the processor implements the method for processing the resource transfer request according to any one of the embodiments of the first aspect or the second aspect when executing the computer program.
In a sixth aspect, the present disclosure also provides a computer-readable storage medium. The computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements a method for processing a resource transfer request according to any of the above-mentioned first aspect or any of the above-mentioned second aspect embodiments.
In a seventh aspect, the present disclosure also provides a computer program product. The computer program product includes a computer program, and when executed by a processor, the computer program implements the method for processing a resource transfer request according to any one of the embodiments of the first aspect or the second aspect.
According to the resource transfer request processing method, the resource transfer request processing device, the computer equipment, the storage medium and the computer program product, the resource interaction system responds to the resource transfer request of the service mechanism sent by the terminal, and the account identification corresponding to the resource transfer request is obtained and generated according to the user account in the resource interaction system. And determining a virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier. And processing the resource transfer request by adopting the virtual account and/or the user account to generate a processing result of the resource transfer request. The method has the advantages that a set of complete resource interaction system does not need to be built again, the existing resource interaction system can be directly connected, the virtual account established in the resource interaction system based on the service mechanism where the terminal is located is used for associating the virtual account with the existing user account in the resource interaction system, and the resource transfer request of the service mechanism sent by the terminal is processed by using the virtual account and/or the user account, so that the processing cost of the resource transfer request is reduced, and the processing efficiency of the resource transfer request is improved.
In addition, by adopting the resource transfer request processing method provided by the disclosure, as the virtual account for processing the resource transfer request is established based on the service mechanism where the terminal is located, the service mechanism can be used as a main body to carry out unified management on the virtual account, so that the management efficiency of the virtual account is improved; moreover, the special account of the virtual account corresponding to the service organization can be directly dedicated in the resource interaction system without the need of interfacing processing systems of a plurality of service organizations, thereby improving the security of resource transfer request processing.
Drawings
FIG. 1 is a diagram of an application environment in which a method for processing a resource transfer request is implemented in one embodiment;
FIG. 2 is a flowchart illustrating a method for processing a resource transfer request according to an embodiment;
FIG. 3 is a flowchart illustrating the process result generation step in one embodiment;
FIG. 4 is a flowchart showing a process result generating step in another embodiment;
FIG. 5 is a flowchart illustrating a method for processing a resource transfer request according to another embodiment;
FIG. 6 is a flowchart illustrating a method for processing a resource transfer request according to an embodiment;
FIG. 7 is a flowchart illustrating a method for processing a resource transfer request according to an embodiment;
FIG. 8 is a flowchart illustrating a method for processing a resource transfer request according to one embodiment;
FIG. 9 is a block diagram of an apparatus for processing a resource transfer request according to an embodiment;
FIG. 10 is a block diagram showing an example of a device for processing a resource transfer request;
FIG. 11 is a diagram of the internal structure of a computer device in one embodiment;
FIG. 12 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more clearly understood, the present disclosure is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present disclosure and are not intended to limit the present disclosure.
The method for processing the resource transfer request provided by the embodiment of the present disclosure may be applied to an application environment as shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be placed on the cloud or other network server. The server 104 is deployed with a resource interaction system, in which a virtual account established according to a service organization where the terminal 102 is located is stored. Specifically, the server 104 may respond to a resource transfer request of a service organization sent by the terminal 102 through the resource interaction system, acquire an account identifier corresponding to the resource transfer request, determine a virtual account corresponding to the account identifier, process the resource transfer request by using the virtual account and/or the user account corresponding to the account identifier, and generate a processing result of the resource transfer request.
The terminal 102 may be, but not limited to, various smart phones, smart POS (Point of sales), portable wearable devices, and the like. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, and the like. The server 104 may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.
In one embodiment, as shown in fig. 2, a method for processing a resource transfer request is provided, which is described by taking the method as an example applied to the server 104 in fig. 1, where a resource interaction system is deployed in the server 104. The method comprises the following steps:
step S202, responding to the resource transfer request sent by the terminal, and acquiring the account identifier corresponding to the resource transfer request.
And step S204, determining a virtual account corresponding to the account identification.
Wherein the resource transfer request may be generated by the user at the time of the transaction on the terminal.
The account identification may be generated from a user account in the resource interaction system. The account identifier may include, but is not limited to, any one or more of identification information including a name of the account and a number corresponding to the account.
The user account may be used to characterize an entity account established by the user in the resource interaction system. In one example, where the resource interaction system is a banking online transaction system, the user account may be a banking account of the user in the banking online transaction system. The account identification may be a unionpay number corresponding to the unionpay account.
The virtual account may be an account established according to a service mechanism where the terminal is located in the resource interaction system, and the virtual account may be associated with the user account through an account identifier. In one example, the service organization may be, but is not limited to being, any of a variety of organizations including a nursing home organization, a supermarket, a canteen, and the like.
Specifically, the resource interaction system may store an association relationship between the account identifier and the virtual account. The server can respond to a resource transfer request of a service mechanism sent by the terminal through the resource interaction system, and obtains an account identifier corresponding to the resource transfer request from a message of the resource transfer request. And inquiring to obtain the virtual account corresponding to the account identifier in the resource interaction system according to the incidence relation between the account identifier and the virtual account.
Step S206, the virtual account and/or the user account are/is adopted to process the resource transfer request, and a processing result of the resource transfer request is generated.
Specifically, when the virtual account meets the preset condition, the server may process the resource transfer request through the resource interaction system by using the virtual account, transfer the resource corresponding to the resource transfer request from the virtual account, or transfer the resource corresponding to the resource transfer request to the virtual account, and generate a processing result of the resource transfer request. And under the condition that the virtual account does not accord with the preset condition, the server can process the resource transfer request by adopting the user account through the resource interaction system, or simultaneously process the resource transfer request by adopting the virtual account and the user account to generate a processing result of the resource transfer request. The preset condition may be that the number of resources corresponding to the virtual account satisfies the number of resources corresponding to the resource transfer request.
In an example, when the resource transfer request is a resource transfer-out request of the virtual account, the server may determine that the virtual account does not meet the preset condition when the resource interaction system determines that the number of resources corresponding to the virtual account is less than the number of resources corresponding to the resource transfer-out request. And processing the resource transfer request by adopting the user account, deducting the corresponding resource number from the user account, and obtaining a successful processing result of the generated resource transfer request. Or, the server may also deduct the maximum resource number that the virtual account can transfer from the virtual account, then determine the remaining resource number corresponding to the resource transfer request after the virtual account is deducted, and deduct the resource number corresponding to the remaining resource number from the user account.
In another example, when the resource interaction system determines that the number of resources corresponding to the virtual account is greater than or equal to the number of resources corresponding to the resource transfer-out request, the server may determine that the virtual account meets the preset condition, process the resource transfer request using the virtual account, deduct the corresponding number of resources from the virtual account, and obtain a successful processing result of the resource transfer request.
In the method for processing the resource transfer request, the resource interaction system responds to the resource transfer request of the service mechanism sent by the terminal, the account identification corresponding to the resource transfer request is obtained, the virtual account corresponding to the account identification is determined, the virtual account is established in the resource interaction system according to the service mechanism where the terminal is located, the resource transfer request is processed by adopting the virtual account and/or the user account, the processing result of the resource transfer request is generated, a complete set of resource interaction system is not required to be built again, the existing resource interaction system can be directly connected, the virtual account established in the resource interaction system based on the service mechanism where the terminal is located is used for associating the virtual account with the existing user account in the resource interaction system, and the resource transfer request sent by the terminal is processed by using the virtual account and/or the user account, so that the processing cost of the resource transfer request is reduced, and the processing efficiency of the resource transfer request is improved.
In addition, by adopting the method for processing the resource transfer request provided by the embodiment, because the virtual account for processing the resource transfer request is established based on the service mechanism where the terminal is located, the service mechanism can be used as a main body to perform unified management on the virtual account, so that the management efficiency of the virtual account is improved; moreover, the special account special use of the virtual account corresponding to the service mechanism can be directly realized in the resource interaction system without the need of interfacing processing systems of a plurality of service mechanisms, so that the safety of resource transfer request processing is improved.
In one embodiment, a method for establishing an account in a resource interaction system is provided.
Specifically, the server may, in response to a user account establishment operation triggered by a user, establish a user account in the resource interaction system, and generate and store an account identifier corresponding to the user account. And logging in the management account of the service institution in the resource interaction system in response to a login request triggered by a manager of the service institution. And in response to the establishment operation of the virtual account triggered by the management account by the management personnel, creating the virtual account for the user in the resource interaction system, and binding the user information and the account identification with the virtual account of the user, so that the user account and the virtual account can correspond to each other through the same account identification in the resource interaction system. The subsequent user can use the account identifier to indicate the virtual account and/or the user account in the resource interaction system to process the resource conversion request sent by the terminal in the service institution.
By adopting the account establishing method provided by the embodiment, the user accounts of a plurality of entities do not need to be repeatedly opened in the resource interaction system, and the account establishing cost is reduced. In addition, by adopting the account establishing method, the existing entity user account of the user does not need to be modified, so that the processing cost of the resource transfer request can be further reduced, and the processing efficiency of the resource transfer request can be improved.
In an embodiment, as shown in fig. 3, before processing the resource transfer request by using the virtual account and/or the user account in step S206 and generating a processing result of the resource transfer request, the method further includes:
step S302, responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request.
Step S304, obtaining the residual resource parameters corresponding to the virtual account.
Step S306, responding to the comparison result that the residual resource parameter is larger than or equal to the transfer resource parameter, executing the step of processing the resource transfer request by using the virtual account and generating the processing result of the resource transfer request.
Specifically, the server may respond to the resource transfer request through the resource interaction system, and obtain an account identifier and a transfer resource parameter corresponding to the resource transfer request. And acquiring the residual resource parameters under the virtual account corresponding to the account identification. And comparing the residual resource parameter with the transfer resource parameter to generate a comparison result of the residual resource parameter and the transfer resource parameter. And responding to the comparison result that the residual resource parameter is greater than or equal to the transfer resource parameter, executing the step of processing the resource transfer request by adopting the virtual account and generating a resource transfer request processing result.
In one example, the server may generate the processing result of the resource transfer request as failure in response to a comparison result that the remaining resource parameter of the virtual account is smaller than the transfer resource parameter through the resource interaction system.
In this embodiment, by comparing the transfer resource parameter corresponding to the resource transfer request with the remaining resource parameter corresponding to the virtual account, and processing the resource transfer request by using the virtual account when the remaining resource parameter is greater than or equal to the transfer resource parameter, the number of requests processed by the virtual account can be reduced, thereby improving the processing efficiency of the resource transfer request.
In one embodiment, as shown in fig. 4, the method for processing the resource transfer request further includes:
step S402, responding to the comparison result that the residual resource parameter is smaller than the transfer resource parameter, and acquiring the user account corresponding to the account identification.
Step S404, the resource transfer request is processed by adopting the user account, and a processing result of the resource transfer request is generated.
Specifically, a user account established by the user and a corresponding relationship between the user account and the account identifier may be stored in the resource interaction system. The server can respond to the comparison result that the residual resource parameter of the virtual account is smaller than the transfer resource parameter corresponding to the resource transfer request through the resource interaction system, and execute the step of processing the resource transfer request by adopting the user account to generate the processing result of the resource transfer request. And inquiring to obtain the user account corresponding to the account identification. And processing the resource transfer request by adopting the user account to generate a processing result of the resource transfer request.
In one example, the server may obtain the user resource parameter corresponding to the user account through the resource interaction system, and compare the user resource parameter with the transfer resource parameter. In response to the comparison result that the user resource parameter is greater than or equal to the resource transfer parameter, the resource transfer request may be processed by using the user account, and a processing result of the resource transfer request may be generated.
In another example, when the user resource parameter corresponding to the user account is smaller than the transfer resource parameter, the server may generate the processing result of the resource request as a failure in response to the comparison result that the user resource parameter is smaller than the transfer resource parameter through the resource interaction system.
In this embodiment, the resource transfer request is processed by using the user account corresponding to the account identifier in response to the comparison result that the remaining resource parameter of the virtual account is smaller than the transfer resource parameter of the resource transfer request, so that the success rate of processing the resource transfer request can be improved.
In one embodiment, step S202, in response to a resource transfer request sent by a terminal, acquiring an account identifier corresponding to the resource transfer request, includes: and responding to the resource transfer request, and decrypting the resource transfer request to obtain the account identifier in the resource transfer request.
Specifically, the resource interaction system may store the decryption logic in advance. The server can respond to the resource transfer request through the resource interaction system, decrypt the message of the resource transfer request by adopting decryption logic, and determine the account identification and the transferred resource parameter corresponding to the resource transfer request from the decrypted message.
In this embodiment, the account identifier in the resource transfer request is obtained by decrypting the resource transfer request, so that the processing security of the resource transfer request can be improved.
In one embodiment, the method for processing a resource transfer request further includes: and generating a response message corresponding to the processing result according to the processing result of the resource transfer request. And encrypting the response message to obtain a response ciphertext, and sending the response ciphertext to the terminal.
Specifically, the resource interaction system may store the message encryption logic in advance. The server can generate a response message corresponding to the processing result according to the processing result of the resource transfer request through the resource interaction system. And encrypting the response message by adopting message encryption logic to obtain a response ciphertext. And sending the response ciphertext to the terminal through an Internet HTTP (hyper text transport protocol) to indicate the terminal to process the response ciphertext and obtain a processing result of the resource transfer request.
In this embodiment, the response message is encrypted and then transmitted, so that the security of message transmission can be improved, and the security of the processing result of the resource transfer request can be improved.
In one embodiment, as shown in fig. 5, a method for processing a resource transfer request is provided, which is applied to a resource interaction system, and includes:
step S502, in response to the resource transfer request sent by the terminal, the account identifier and the resource transfer parameter corresponding to the resource transfer request are obtained.
Step S504, determining the virtual account corresponding to the account identifier, and acquiring the residual resource parameters corresponding to the virtual account.
Step S506, comparing the remaining resource parameter with the transferred resource parameter.
Specifically, the server may respond to a resource transfer request of the service mechanism sent by the terminal through the resource interaction system, and perform decryption processing on the resource transfer request to obtain an account identifier and a transfer resource parameter corresponding to the resource transfer request. And determining a virtual account corresponding to the account identifier, and acquiring the residual resource parameters corresponding to the virtual account. And comparing the residual resource parameters corresponding to the virtual account with the transfer resource parameters corresponding to the resource transfer request. Step S508 is performed in case the remaining resource parameter is greater than or equal to the transfer resource parameter. Step S510 is performed in case the remaining resource parameter is smaller than the transfer resource parameter.
Step S508, processing the resource transfer request by using the virtual account, and generating a processing result of the resource transfer request.
Specifically, the server may process the resource transfer request by using the virtual account in response to a comparison result that the remaining resource parameter is greater than or equal to the transfer resource parameter through the resource interaction system, deduct an amount equal to the transfer resource parameter from the remaining resource parameter corresponding to the virtual account, and generate a processing result of the resource transfer request as a success. After the processing result is generated, step S514 is executed.
Step S510, obtain a user account corresponding to the account identifier and user resource parameters corresponding to the user account.
Step S512, responding to the comparison result that the user resource parameter is greater than or equal to the resource transferring parameter, processing the resource transferring request by adopting the user account, and generating a processing result of the resource transferring request.
Specifically, the server may obtain, through the resource interaction system, the user account corresponding to the account identifier and the user resource parameter corresponding to the user account in response to the comparison result that the remaining resource parameter is smaller than the transfer resource parameter. And comparing the user resource parameters corresponding to the user account with the transfer resource parameters corresponding to the resource transfer request. And responding to the comparison result that the user resource parameter is greater than or equal to the resource transferring parameter, processing the resource transferring request by adopting the user account, deducting the amount equal to the resource transferring parameter from the user resource parameter corresponding to the user account, and generating the processing result of the resource transferring request as success.
In one example, the resource interaction system may generate the processing result of the resource transfer request as a failure in response to the comparison result that the user resource parameter is less than the transfer resource parameter.
Step S514, generating a response ciphertext corresponding to the processing result of the resource transfer request, and transmitting the response ciphertext to the terminal.
Specifically, the server may generate a response message according to a processing result of the resource transfer request through the resource interaction system. And encrypting the response message to generate a corresponding response ciphertext, and sending the response ciphertext to the terminal.
In the embodiment, a virtual account corresponding to a service organization is created for a user in a resource interaction system, the virtual account is bound with a user account by using an account identifier corresponding to the user account existing in the resource interaction system, in response to a resource transfer request, whether the virtual account meets the resource transfer request is judged first, the resource transfer request is processed by using the virtual account when a remaining resource parameter of the virtual account is greater than or equal to a transfer resource parameter, whether the user account meets the resource transfer request is judged when the remaining resource parameter is less than the transfer resource parameter, the resource transfer request is processed by using the user account when the user resource parameter is greater than or equal to the transfer resource parameter, the resource transfer request can be directly butted with the existing resource interaction system by using a data port, the virtual account is directly bound with the existing user account by using the account identifier, and the resource transfer request is processed by using the virtual account and the user account in sequence, so that the processing cost of the resource transfer request is reduced and the processing efficiency of the resource transfer request is improved.
In addition, by adopting the method for processing the resource transfer request provided by the embodiment, because the virtual account for processing the resource transfer request is established based on the service mechanism where the terminal is located, the service mechanism can be used as a main body to perform unified management on the virtual account, so that the management efficiency of the virtual account is improved; moreover, the special account special use of the virtual account corresponding to the service mechanism can be directly realized in the resource interaction system without the need of interfacing processing systems of a plurality of service mechanisms, so that the safety of resource transfer request processing is improved.
In one embodiment, as shown in fig. 6, a method for processing a resource transfer request is provided, and is applied to a terminal, and the method includes:
step S602, acquiring an account identifier and a resource transfer parameter.
Step S604, generating a corresponding resource transfer request according to the account identifier and the resource transfer parameter.
Step S606, sending the resource transfer request to the resource interaction system, and receiving a processing result of the resource transfer request returned by the resource interaction system.
In particular, the terminal may be integrated with an account identification module and a data input module. The terminal can identify the resource transfer tool provided by the user through the account identification module to determine the account identification of the user. The input transfer resource parameters may be received through a data input module. And processing the account identification and the resource transfer parameter to generate a corresponding resource transfer request. And calling a data interface to send the resource transfer request to the resource interaction system so as to instruct the resource interaction system to inquire and determine a virtual account corresponding to the account identifier, processing the resource transfer request by adopting the virtual account, and generating a processing result of the resource transfer request. The terminal can receive the processing result of the resource transfer request returned by the resource interaction system. The specific processing result generation operation can be implemented by referring to the processing result generation method provided in the above embodiment, and is not specifically described herein.
In one example, the terminal may be an intelligent POS device (a POS device based on an Android operating system, which supports a collection method such as a union pay IC card and an aggregated payment code scanning). The resource transfer tool provided by the user may be a physical Unionpay IC card. The intelligent POS equipment can identify the Unionpay IC card of the user through the non-contact card reading module, and the card number of the Unionpay IC card is obtained to serve as the account identification. The intelligent POS device can acquire the input transfer resource parameters through user interaction with the number keys (which may include virtual keys on a display screen of the intelligent POS device or physical keys on the intelligent POS device). When the method for acquiring the account identification and the transferred resource parameters is adopted, the industry value card function of a service institution can be added on the basis of the existing Unionpay IC card, repeated card issuing is not needed, and the existing Unionpay IC card is not needed to be modified, so that the processing cost of the resource transfer request is reduced.
In this embodiment, the account identifier and the resource transfer parameter are obtained through the terminal, the corresponding resource transfer request is generated according to the account identifier and the resource transfer parameter, the resource transfer request is sent to the resource interaction system, the returned processing result of the resource transfer request is received, the terminal can be directly connected with the existing resource interaction system in an abutting mode, the resource transfer request generated according to the account identifier and the resource transfer parameter is sent, the resource interaction system is instructed to process the resource transfer request by using the virtual account corresponding to the account identifier, the processing efficiency of the resource transfer request is improved, and the processing cost of the resource transfer request is reduced.
In one embodiment, step S604, generating a corresponding resource transfer request according to the account identifier and the resource transfer parameter, includes: and encrypting the account identification and the resource transferring parameter to generate a resource transferring request.
Specifically, the terminal may generate a request message according to the account identifier and the resource transfer parameter, and encrypt the request message by using a preset message encryption logic to obtain a request ciphertext. And initiating a resource transfer request by using the request ciphertext.
In one example, since the account identifier and the transferred resource parameter are important parameters in the resource transfer process, it is necessary to prevent the request packet carrying the account identifier and the transferred resource parameter from being illegally obtained and tampered by the intermediate system of the internet. The terminal can process the request message by adopting a domestic cryptographic algorithm SM3 to generate a hash signature corresponding to the request message so as to prevent the request message from being illegally tampered. And secondly, performing secondary encryption on the generated hash signature and the request message by adopting a domestic cryptographic algorithm SM4 to obtain a request ciphertext so as to prevent the request message from being illegally obtained.
In this embodiment, the resource transfer request is generated by encrypting the account identifier and the transfer resource parameter, and the transmission security of the resource transfer request can be improved, so that the processing security of the resource transfer request is improved.
In one embodiment, step S606, sending the resource transfer request to the resource interaction system, and receiving a processing result of the resource transfer request returned by the resource interaction system, includes: and receiving a response ciphertext sent by the resource interaction system, and decrypting the response ciphertext to obtain a processing result.
Specifically, the terminal stores a message decryption logic in advance. The terminal can receive a response ciphertext sent by the resource interaction system. And decrypting the response ciphertext by adopting a message decryption logic to obtain a processing result of the resource transfer request.
In one example, the terminal may be integrated with a data display function. After the terminal obtains the processing result of the resource transfer request, the processing result can be displayed to the user. Alternatively, the terminal may be integrated with a printing function. After the terminal obtains the processing result of the resource transfer request, the processing result can be printed.
In this embodiment, the processing result is obtained by decrypting the response ciphertext sent by the resource interaction system, so that the transmission security of the processing result can be improved, and the processing security of the resource transfer request is improved.
In an embodiment, as shown in fig. 7, a method for processing a resource transfer request is provided, which is applied to a terminal, and includes:
step S702, acquiring an account identifier and a resource transfer parameter.
Step S704, encrypt the account id and the resource transfer parameter, and generate a resource transfer request.
Step S706, the resource transfer request is sent to the resource interaction system.
And step S708, receiving a response ciphertext returned by the resource interaction system, and decrypting the response ciphertext to obtain a processing result of the resource transfer request.
Specifically, a contactless read module and a data input module may be disposed in the terminal. And acquiring the account identification of the Unionpay IC card of the user through the non-contact reading module, and acquiring the transfer resource parameter corresponding to the resource transfer request through the data input module. And encrypting the request message generated by the account identifier and the resource transfer parameter by adopting a preset message encryption logic, and generating a resource transfer request according to a request ciphertext obtained through encryption. And sending the resource transfer request to the resource interaction system through the data interface according to an internet HTTP protocol so as to instruct the resource interaction system to determine a virtual account corresponding to the account identifier, processing the resource transfer request by adopting the virtual account, and generating a processing result corresponding to the resource transfer request. And receiving a response ciphertext returned by the resource interaction system, and decrypting the response ciphertext to obtain a processing result of the resource transfer request. The generation operation of the processing result may be implemented by referring to the generation method of the processing result provided in the above embodiments, and is not specifically described herein.
In this embodiment, a request message generated by the account identifier and the resource transfer parameter is encrypted by using a preset message encryption logic, and a request ciphertext obtained after the encryption is sent to the resource interaction system to instruct the resource interaction system to determine a virtual account corresponding to the account identifier, and the resource transfer request is processed by using the virtual account to generate a processing result corresponding to the resource transfer request. And receiving a response ciphertext returned by the resource interaction system, and decrypting the response ciphertext to obtain a processing result of the resource transfer request, so that the processing cost of the resource transfer request can be reduced, the processing efficiency of the resource transfer request can be improved, and the processing safety of the resource transfer request can be improved.
In one embodiment, the terminal may be an intelligent POS device and the resource interaction system may be a banking online transaction system. As shown in fig. 8, a resource transfer request processing method is provided, and is applied to a system composed of an intelligent POS device and a banking online transaction system, and the method includes:
and step S802, acquiring an account identifier and a resource transfer parameter through the intelligent POS machine.
Step S804, the account identification and the resource transferring parameter are encrypted through the intelligent POS machine to generate a resource transferring request, and the resource transferring request is sent to the bank online transaction system.
Step S806, the resource transfer request is decrypted by the bank online transaction system, and the account identifier and the transferred resource parameter are obtained.
Step S808, determining a virtual account corresponding to the account identifier and a remaining resource parameter corresponding to the virtual account through the online transaction system of the bank.
Step S810, responding to the comparison result that the residual resource parameter is greater than or equal to the resource transferring parameter through the bank online transaction system, processing the resource transferring request by adopting the virtual account, and generating a processing result of the resource transferring request.
Step S812, responding to the comparison result that the remaining resource parameter is smaller than the transferred resource parameter through the online transaction system of the bank, acquiring a user account corresponding to the account identifier, processing the resource transfer request by using the user account, and generating a processing result of the resource transfer request.
Step S814, generating a response message according to the processing result of the resource transfer request by the bank online transaction system, encrypting the response message, and sending the obtained response ciphertext to the intelligent POS machine.
And step S816, decrypting the response ciphertext through the intelligent POS machine, and acquiring and printing a processing result of the resource transfer request.
In the embodiment, the virtual account is established, the user account is bound with the virtual account by using the account identifier corresponding to the user account, and the resource transfer request is processed by sequentially adopting the virtual account and the user account, so that the processing cost of the resource transfer request can be reduced, the technical problem that the difficulty of independently establishing an industry stored-value card management system in the traditional technology is high is solved, and the processing efficiency of the resource transfer request can be improved.
In addition, in an application scenario that a government agency issues a life subsidy to a user under a service agency, by using the method for processing the resource transfer request provided in this embodiment, the government agency can realize the issuing operation of the life subsidy by only connecting an online system of a bank without connecting an industry value card management system built by multiple service agencies, so that the life subsidy of the government agency is conveniently issued.
It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in the flowcharts according to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least some of the steps or stages in other steps.
Based on the same inventive concept, the embodiment of the present disclosure further provides a device for processing a resource transfer request, which is used for implementing the method for processing a resource transfer request. The implementation scheme for solving the problem provided by the apparatus is similar to the implementation scheme described in the method, so specific limitations in the following embodiments of the apparatus for processing one or more resource transfer requests may refer to the limitations on the method for processing the resource transfer request, which are not described herein again.
In one embodiment, as shown in fig. 9, there is provided a resource transfer request processing apparatus 900, applied to a resource interaction system, including: a request response module 902, an account determination module 904, and a request processing module 904, wherein:
the request response module 902 is configured to, in response to a resource transfer request of a service mechanism sent by a terminal, obtain an account identifier corresponding to the resource transfer request, where the account identifier is generated according to a user account in the resource interaction system.
An account determining module 904, configured to determine a virtual account corresponding to the account identifier, where the virtual account is established in the resource interaction system according to the service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier.
The request processing module 906 is configured to process the resource transfer request by using the virtual account and/or the user account, and generate a processing result of the resource transfer request.
In one embodiment, the request response module 902 is further configured to: and responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request.
A request processing module 906 comprising: the parameter acquisition unit is used for acquiring the residual resource parameters corresponding to the virtual account; and the parameter comparison unit is used for responding to the comparison result that the residual resource parameter is greater than or equal to the resource transfer parameter, executing the step of processing the resource transfer request by adopting the virtual account and generating the processing result of the resource transfer request.
In an embodiment, the parameter comparing unit is further configured to, in response to a comparison result that the remaining resource parameter is smaller than the transfer resource parameter, perform a step of processing the resource transfer request by using the user account to generate a processing result of the resource transfer request.
In an embodiment, the request response module 902 is further configured to, in response to the resource transfer request, perform decryption processing on the resource transfer request to obtain an account identifier in the resource transfer request.
In one embodiment, the apparatus 900 for processing resource transfer request further includes: the message generating module is used for generating a response message corresponding to the processing result according to the processing result of the resource transfer request; and the message encryption module is used for encrypting the response message to obtain a response ciphertext and sending the response ciphertext to the terminal.
In one embodiment, as shown in fig. 10, there is provided a processing apparatus 1000 for a resource transfer request, applied to a terminal, including: a data acquisition module 1002, a request generation module 1004, a request sending module 1006, and a result receiving module 1008, wherein:
the data obtaining module 1002 is configured to obtain an account identifier and transfer the resource parameter, where the account identifier is generated according to a user account in the resource interaction system.
The request generating module 1004 is configured to generate a resource transfer request of a corresponding service mechanism according to the account identifier and the resource transfer parameter.
The request sending module 1006 is configured to send the resource transfer request to the resource interaction system, so as to instruct the resource interaction system to process the resource transfer request and determine a virtual account corresponding to the account identifier, where the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier.
The result receiving module 1008 is configured to receive a processing result of the resource transfer request returned by the resource interaction system, where the processing result is generated by processing the resource transfer request by using a virtual account and/or a user account through the resource interaction system.
In one embodiment, the request generation module 1004 is further configured to: and encrypting the account identifier and the resource transferring parameter to generate a resource transferring request.
In one embodiment, the result receiving module 1008 includes: the message receiving unit is used for receiving a response ciphertext sent by the resource interaction system; and the message decryption unit is used for decrypting the response ciphertext to obtain a processing result.
The modules in the processing apparatus of the resource transfer request may be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent of a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, and the internal structure thereof may be as shown in fig. 11. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operating system and the computer program to run on the non-volatile storage medium. The database of the computer device is used for storing the operation data of the resource interaction system. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a method of processing a resource transfer request.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 12. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for communicating with an external terminal in a wired or wireless manner, and the wireless manner can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a method of processing a resource transfer request. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the configurations shown in fig. 11 and/or 12 are merely block diagrams of some of the configurations associated with the disclosed aspects and do not constitute a limitation on the computing devices to which the disclosed aspects apply, and that a particular computing device may include more or less components than shown, or combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.
In one embodiment, there is further provided a smart POS machine, including a memory and a processor, where the memory stores a computer program, and the processor implements the steps in the above method embodiments when executing the computer program.
In an embodiment, a computer-readable storage medium is also provided, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
In an embodiment, a computer program product is provided, comprising a computer program which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present disclosure are information and data that are authorized by the user or sufficiently authorized by each party.
It will be understood by those skilled in the art that all or part of the processes of the methods of the above embodiments may be implemented by hardware instructions of a computer program, which may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the above embodiments of the methods. Any reference to memory, databases, or other media used in the embodiments provided by the present disclosure may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), magnetic Random Access Memory (MRAM), ferroelectric Random Access Memory (FRAM), phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases involved in embodiments provided by the present disclosure may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided in this disclosure may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic, quantum computing based data processing logic, etc., without limitation.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present disclosure, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present disclosure. It should be noted that, for those skilled in the art, various changes and modifications can be made without departing from the spirit of the present disclosure, and these changes and modifications are all within the scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the appended claims.

Claims (19)

1. A processing method of resource transfer request is applied to a resource interaction system, and the method comprises the following steps:
responding to a resource transfer request of a service mechanism sent by a terminal, and acquiring an account identifier corresponding to the resource transfer request, wherein the account identifier is generated according to a user account in the resource interaction system;
determining a virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system according to the service mechanism, and the virtual account is associated with the user account through the account identifier;
and processing the resource transfer request by adopting the virtual account and/or the user account to generate a processing result of the resource transfer request.
2. The method according to claim 1, wherein the obtaining an account identifier corresponding to the resource transfer request in response to the resource transfer request of the service organization sent by the terminal comprises:
responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request;
before the processing the resource transfer request by using the virtual account and/or the user account to generate a processing result of the resource transfer request, the method further includes:
acquiring a residual resource parameter corresponding to the virtual account;
and responding to the comparison result that the residual resource parameter is greater than or equal to the transfer resource parameter, and executing the step of processing the resource transfer request by adopting the virtual account to generate the processing result of the resource transfer request.
3. The method of claim 2, further comprising:
and responding to the comparison result that the residual resource parameter is smaller than the transfer resource parameter, and executing the step of processing the resource transfer request by adopting the user account to generate the processing result of the resource transfer request.
4. The method according to any one of claims 1 to 3, wherein the obtaining an account identifier corresponding to a resource transfer request in response to the resource transfer request of a service organization sent by a terminal comprises:
and responding to the resource transfer request, and decrypting the resource transfer request to obtain the account identifier in the resource transfer request.
5. The method according to any one of claims 1 to 3, further comprising:
generating a response message corresponding to the processing result according to the processing result of the resource transfer request;
and encrypting the response message to obtain a response ciphertext, and sending the response ciphertext to the terminal.
6. A method for processing a resource transfer request is applied to a terminal, and the method comprises the following steps:
acquiring an account identifier and transferring resource parameters, wherein the account identifier is generated according to a user account in a resource interaction system;
generating a resource transfer request of a corresponding service mechanism according to the account identification and the resource transfer parameter;
sending the resource transfer request to a resource interaction system to instruct the resource interaction system to process the resource transfer request and determine a virtual account corresponding to the account identifier, wherein the virtual account is established in the resource interaction system according to the service mechanism, and the virtual account is associated with the user account through the account identifier;
and receiving a processing result of the resource transfer request returned by the resource interaction system, wherein the processing result is generated by processing the resource transfer request by the resource interaction system through the virtual account and/or the user account.
7. The method according to claim 6, wherein the generating a resource transfer request of a corresponding service organization according to the account identifier and the resource transfer parameter comprises:
and encrypting the account identification and the resource transferring parameter to generate the resource transferring request.
8. The method according to any one of claims 6 to 7, wherein the receiving of the processing result of the resource transfer request returned by the resource interaction system comprises:
receiving a response ciphertext sent by the resource interaction system;
and decrypting the response ciphertext to obtain the processing result.
9. An apparatus for processing resource transfer request, applied to a resource interaction system, the apparatus comprising:
the request response module is used for responding to a resource transfer request of a service mechanism sent by a terminal and acquiring an account identifier corresponding to the resource transfer request, wherein the account identifier is generated according to a user account in the resource interaction system;
an account determining module, configured to determine a virtual account corresponding to the account identifier, where the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier;
and the request processing module is used for processing the resource transfer request by adopting the virtual account and/or the user account to generate a processing result of the resource transfer request.
10. The apparatus of claim 9, wherein the request response module is further configured to:
responding to the resource transfer request, and acquiring a transfer resource parameter corresponding to the resource transfer request;
the request processing module comprises:
a parameter obtaining unit, configured to obtain a remaining resource parameter corresponding to the virtual account;
and the parameter comparison unit is used for responding to the comparison result that the residual resource parameter is greater than or equal to the resource transfer parameter, executing the step of processing the resource transfer request by adopting the virtual account and generating the processing result of the resource transfer request.
11. The apparatus according to claim 10, wherein the parameter comparing unit is further configured to execute the step of generating a processing result of the resource transfer request by processing the resource transfer request with the user account in response to a comparison result that the remaining resource parameter is smaller than the transfer resource parameter.
12. The apparatus according to any one of claims 9 to 11, wherein the request response module is further configured to perform decryption processing on the resource transfer request in response to the resource transfer request, so as to obtain the account identifier in the resource transfer request.
13. The apparatus according to any one of claims 9 to 11, further comprising:
the message generating module is used for generating a response message corresponding to the processing result according to the processing result of the resource transfer request;
and the message encryption module is used for encrypting the response message to obtain a response ciphertext and sending the response ciphertext to the terminal.
14. An apparatus for processing a resource transfer request, applied to a terminal, the apparatus comprising:
the data acquisition module is used for acquiring an account identifier and transferring the resource parameters, wherein the account identifier is generated according to a user account in the resource interaction system;
the request generating module is used for generating a resource transfer request of a corresponding service mechanism according to the account identifier and the resource transfer parameter;
a request sending module, configured to send the resource transfer request to a resource interaction system, so as to instruct the resource interaction system to process the resource transfer request and determine a virtual account corresponding to the account identifier, where the virtual account is established in the resource interaction system according to a service mechanism where the terminal is located, and the virtual account is associated with the user account through the account identifier;
and the result receiving module is used for receiving a processing result of the resource transfer request returned by the resource interaction system, and the processing result is generated by processing the resource transfer request through the resource interaction system by adopting the virtual account and/or the user account.
15. The apparatus of claim 14, wherein the request generation module is further configured to encrypt the account identifier and the transfer resource parameter to generate the resource transfer request.
16. The apparatus according to any one of claims 14 to 15, wherein the result receiving module comprises:
the message receiving unit is used for receiving a response ciphertext sent by the resource interaction system;
and the message decryption unit is used for decrypting the response ciphertext to obtain the processing result.
17. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 5 or any of claims 6 to 8.
18. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 5 or 6 to 8.
19. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, realizes the steps of the method of any one of claims 1 to 5 or of any one of claims 6 to 8.
CN202211004163.8A 2022-08-22 2022-08-22 Resource transfer request processing method and device, computer equipment and storage medium Pending CN115345606A (en)

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