WO2021244537A1 - 资源转移 - Google Patents

资源转移 Download PDF

Info

Publication number
WO2021244537A1
WO2021244537A1 PCT/CN2021/097712 CN2021097712W WO2021244537A1 WO 2021244537 A1 WO2021244537 A1 WO 2021244537A1 CN 2021097712 W CN2021097712 W CN 2021097712W WO 2021244537 A1 WO2021244537 A1 WO 2021244537A1
Authority
WO
WIPO (PCT)
Prior art keywords
resource
account
information
expenditure
transfer
Prior art date
Application number
PCT/CN2021/097712
Other languages
English (en)
French (fr)
Inventor
曹承春
盛希冬
李思斯
Original Assignee
支付宝(杭州)信息技术有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 支付宝(杭州)信息技术有限公司 filed Critical 支付宝(杭州)信息技术有限公司
Publication of WO2021244537A1 publication Critical patent/WO2021244537A1/zh

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer

Definitions

  • This application relates to the field of electronic payment technology, in particular to a resource transfer method, device and equipment.
  • one type of electronic payment method can be called a protocol payment method.
  • the payee and the payer can reach an agreement, and after reaching an agreement, electronic payments are made in accordance with the conditions agreed in the agreement.
  • a user can sign an agreement with a payment platform to pay mobile phone bills or video platform membership fees on a monthly basis.
  • the payment platform can transfer the amount of money agreed in the agreement from the user's fund account to the fund account of the payee without the user's active operation.
  • the embodiments of the present disclosure provide a resource transfer method, device, and equipment to solve the problem of resource transfer to the payer's account when the resources in the payer's account are insufficient.
  • a resource transfer method provided by the embodiments of the present disclosure includes: obtaining resource transfer information of a resource expenditure account; the resource expenditure account is a resource transfer protocol A contracted resource expenditure account; based on the resource transfer information, determine a first resource quantity that is less than or equal to the target resource quantity; the target resource quantity is the resource quantity that should be transferred from the resource expenditure account to the resource receiving account; The resource receiving account is the contracted resource receiving account in the resource transfer agreement; a resource transfer request is sent to the resource management device of the resource expenditure account, and the resource transfer request is used to request that the resources of the first amount of resources be transferred to all resources. The resource expenditure account is transferred to the target account.
  • An embodiment of the present disclosure provides a method for sending a resource withholding request, including: a user equipment of a resource receiving account sends a resource withholding request to a server of a payment platform; the resource withholding request is used to request the server of the payment platform Perform one of the above resource transfer methods.
  • a method for generating a resource expenditure record includes: a user device of a resource expenditure account obtains resource expenditure information; the resource expenditure information is used to indicate that the resource expenditure account is paid based on the above-mentioned resource transfer method The first resource quantity of the resource; based on the resource expenditure information, a resource expenditure record is generated; the resource expenditure record contains the first resource quantity and business information related to the resource expenditure information.
  • a resource transfer device includes: a first acquisition module configured to acquire resource transfer information of a resource expenditure account; the resource expenditure account is a contracted resource expenditure account in a resource transfer agreement; the first determination A module for determining a first resource quantity that is less than or equal to the target resource quantity based on the resource transfer information; the target resource quantity is the quantity of resources that should be transferred from the resource expenditure account to the resource receiving account; the resource The receiving account is the contracted resource receiving account in the resource transfer agreement; the first sending module is configured to send a resource transfer request to the resource management device of the resource expenditure account, and the resource transfer request is used to request that the first The resources of the resource quantity are transferred from the resource expenditure account to the target account.
  • An embodiment of the present disclosure provides a device for sending a resource withholding request, which is applied to a user equipment of a resource receiving account, and includes: a first sending module, configured to send a resource withholding request to a server of a payment platform; the resource withholding The request is used to request the server of the payment platform to execute the above-mentioned resource transfer method.
  • An apparatus for generating a resource expenditure record provided by an embodiment of the present disclosure is applied to a user equipment of a resource expenditure account, and includes: an acquisition module for acquiring resource expenditure information; the resource expenditure information is used to indicate a resource transfer based on the foregoing The method is the first resource quantity of the resources disbursed by the resource expenditure account; the resource expenditure record generating module is configured to generate a resource expenditure record based on the resource expenditure information; the resource expenditure record contains the first resource quantity, And the business information involved in the resource expenditure information.
  • a resource transfer device includes at least one processor and a memory communicatively connected with the at least one processor.
  • the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can: obtain the resource transfer information of the resource expenditure account;
  • the resource expenditure account is a contracted resource expenditure account in the resource transfer agreement; based on the resource transfer information, a first resource quantity that is less than or equal to the target resource quantity is determined; the target resource quantity is to be transferred from the resource expenditure account The number of resources to the resource receiving account; the resource receiving account is the contracted resource receiving account in the resource transfer agreement; the resource transfer request is sent to the resource management device of the resource expenditure account, and the resource transfer request is used to request The resources of the first resource quantity are transferred from the resource expenditure account to the target account.
  • An embodiment of the present disclosure provides a device for sending a resource withholding request, which includes at least one processor and a memory communicatively connected with the at least one processor.
  • the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can: send a resource withholding request to the server of the payment platform;
  • the resource withholding request is used to request the server of the payment platform to execute the above-mentioned resource transfer method.
  • a device for generating a resource expenditure record includes at least one processor and a memory communicatively connected with the at least one processor.
  • the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can: obtain resource expenditure information; Yu represents the first resource quantity of the resources paid out by the resource expenditure account based on the above-mentioned resource transfer method; based on the resource expenditure information, a resource expenditure record is generated; the resource expenditure record contains the first resource quantity and all resources The business information involved in the resource expenditure information.
  • the embodiments of the present disclosure can achieve the following beneficial effects: according to the resource transfer information of the resource expenditure account, it is determined that the resource expenditure account currently has the first value that is less than or equal to the total number of resources to be deducted (that is, the target resource quantity). Resource quantity to request the resource management device of the resource expenditure account to transfer the resources of the first resource quantity from the resource expenditure account to the target account, so that there is no need to have resources greater than or equal to the target resource quantity in the resource expenditure account Before deduction can be made.
  • This solution can not only reduce the number of times the payment platform's server attempts to deduct the resource expenditure account, but also help save the resources consumed by the payment platform's server when performing deduction operations, and it can also increase the payment platform's server's resource expenditure
  • the success rate of deducting resources from the account deducting the target resource quantity shows that the reliability and practicability of the resource transfer method are good.
  • FIG. 1 is a schematic diagram of the overall scheme flow of a resource transfer method provided by an embodiment of the present disclosure
  • FIG. 2 is a schematic flowchart of a resource transfer method provided by an embodiment of the present disclosure
  • Fig. 3a is a schematic diagram of a scenario for generating a resource transfer protocol provided by an embodiment of the disclosure
  • FIG. 3b is a schematic diagram of another scenario for generating a resource transfer protocol provided by an embodiment of the present disclosure
  • FIG. 4 is a schematic flowchart of a method for sending a resource withholding request according to an embodiment of the disclosure
  • FIG. 5 is a schematic diagram of an application interface of a user equipment of a resource receiving account provided by an embodiment of the present disclosure
  • FIG. 6 is a schematic diagram of an application interface of a user equipment of a resource expenditure account provided by an embodiment of the present disclosure
  • FIG. 7 is a schematic flowchart of a method for generating resource expenditure records according to an embodiment of the present disclosure
  • FIG. 8 is a schematic flowchart of a resource transfer solution involving multiple parties provided by an embodiment of the present disclosure
  • FIG. 9 is a schematic structural diagram of a resource transfer device corresponding to the method in FIG. 2 provided by an embodiment of the disclosure.
  • FIG. 10 is a schematic structural diagram of a device for sending a resource withholding request corresponding to the method in FIG. 4 according to an embodiment of the disclosure.
  • FIG. 11 is a schematic structural diagram of an apparatus for generating resource expenditure records corresponding to the method in FIG. 7 according to an embodiment of the disclosure
  • FIG. 12 is a schematic structural diagram of a resource transfer device, a device for sending a resource withholding request, or a device for generating a resource expenditure record according to an embodiment of the disclosure.
  • users can sign an agreement with the payment platform to facilitate payment using the agreed payment method, which is convenient and quick.
  • the payment platform’s server will usually try to deduct the user’s capital account at a higher frequency in order to facilitate the payment of the user’s capital account.
  • the total amount agreed in the agreement is deducted from the user's fund account in a timely manner to complete the agreement deduction operation. Because this method of resource transfer requires the payment platform's server to repeatedly perform the deduction operation at a higher frequency until the deduction is successful, the server of the payment platform wastes a lot of resources.
  • the payer and the payee can sign a resource transfer agreement at the payment platform.
  • the server of the payment platform receives the resource withholding request corresponding to the resource transfer protocol initiated by the payee
  • the server of the payment platform can transfer the information to the payer’s resource expenditure account according to the resource transfer information of the payer’s resource expenditure account.
  • the agreement deduction can also be completed.
  • FIG. 1 is a schematic diagram of the overall scheme flow of a resource transfer method provided by an embodiment of the disclosure.
  • the resource receiving account may refer to the account used by the payee to receive resources of the payer, and the user equipment of the resource receiving account may refer to the payee device.
  • the resource expenditure account may refer to the account used by the payer to spend resources, and the user equipment of the resource expenditure account may refer to the payer's equipment.
  • the overall process of the resource transfer program in Figure 1 can include the following:
  • Step 102 The payer can operate the user equipment of the resource expenditure account to send the first authorization information for the resource transfer protocol to the server of the payment platform.
  • Step 104 The payee can receive the user equipment of the account by operating the resource to send the second authorization information for the resource transfer protocol to the server of the payment platform.
  • steps 102 and 104 can be exchanged according to actual needs, and there is no specific limitation on this.
  • Step 106 Generate a resource transfer agreement corresponding to the payer and the payee based on the first authorization information and the second authorization information.
  • Step 108 The payee can send a resource withholding request corresponding to the resource transfer protocol generated in step 106 to the server of the payment platform by operating the user equipment of the resource receiving account.
  • Step 110 After receiving the resource withholding request, the server of the payment platform may obtain the resource transfer information of the resource expenditure account of the payer.
  • Step 112 The server of the payment platform can determine the number of resources that the resource expenditure account may have according to the acquired resource transfer information of the resource expenditure account, and then can determine a resource expenditure account that is less than or equal to the target resource amount Therefore, the resource corresponding to the first resource data can be successfully transferred from the resource expenditure account to the target account.
  • the target resource quantity is the quantity of resources that should be transferred from the resource expenditure account to the resource receiving account determined according to the resource withholding request or the resource transfer agreement.
  • Step 114 Determine whether the amount of resources transferred from the resource expenditure account to the target account (that is, the total amount of resources transferred) reaches the target resource amount, if yes, skip to the end, if not, skip to step 110, and continue to check
  • the resource expenditure account performs resource transfer operations, so that when the amount of resources in the resource expenditure account is less than the target resource amount, multiple resource transfer operations are performed to achieve resource withholding.
  • FIG. 2 is a schematic flowchart of a resource transfer method provided by an embodiment of the disclosure.
  • the execution subject of the process can be a program loaded on a server of the payment platform or a server of the payment platform.
  • Step 202 Obtain resource transfer information of a resource expenditure account; the resource expenditure account is a contracted resource expenditure account in the resource transfer agreement.
  • the payment platform may refer to a third-party payment platform, which can provide users (payers and payees) with basic e-commerce support and application support services without directly engaging in specific e-commerce activities.
  • the payment platform can provide a series of application interface programs to integrate a variety of bank card payment methods, so that consumers and merchants do not need to open corresponding accounts in different banks to conveniently complete transactions.
  • the resource expenditure account is usually an account registered by the payer at the payment platform, so that the payment platform can have the right to transfer resources in the resource expenditure account.
  • the resource expenditure account can be either a bank account opened by the user at a bank or a fund management account opened by the user at a payment platform, which is not specifically limited.
  • the resource transfer information of the resource expenditure account can be obtained from the resource management device.
  • Step 202 may include: the server of the payment platform obtains the resource transfer information of the resource expenditure account sent by the resource management device of the resource expenditure account.
  • the resource transfer-in information includes resource transfer-in quantity information of the resource expenditure account.
  • the resource transfer amount information of the resource expenditure account may indicate that a specified amount of resources have been transferred into the resource expenditure account at a specified time.
  • the resource management device of the resource expenditure account can send the resource transfer information to the server of the payment platform when it is determined that the resource expenditure account is currently transferred to the resource, without the server of the payment platform according to the specified frequency To request for resource transfer information is helpful to reduce the resource consumption of the server of the payment platform.
  • the resource management device may also send the historical resource transfer information of the resource expenditure account to the server of the payment platform, so that the server of the payment platform can predict the next resource transfer time of the resource expenditure account based on the historical resource transfer information And the amount of resources transferred.
  • the server of the payment platform and the resource management equipment of the resource expenditure account can belong to the same enterprise or different enterprises, and there is no specific limitation on this.
  • the payer’s daily transaction behavior based on the payment platform and the resource expenditure account can also reflect the resource transfer situation of the payer’s resource expenditure account, for example, assume that the payer usually uses the resource expenditure account in the first ten days of each month. Payment can be reflected at the beginning of the month when a certain amount of resources may be transferred to the resource expenditure account. Based on the total amount of resources expended from the resource expenditure account each month, the amount of resources that may be transferred into the resource expenditure account at the beginning of the month can be estimated.
  • step 202 it may further include: the server of the payment platform obtains the historical resource transfer data of the resource expenditure account.
  • the estimated resource transfer time of the resource expenditure account is determined.
  • the estimated resource transfer amount of the resource expenditure account is determined.
  • step 202 may specifically include: acquiring time trigger information; the time trigger information is used to indicate that the current time is a time point within a preset time period after the estimated resource transfer time.
  • the predicted resource transfer time and the predicted resource transfer amount of the resource expenditure account determined in advance can be determined as the resource transfer information of the resource expenditure account.
  • the estimated resource transfer time and the estimated resource transfer amount of the resource expenditure account can be evaluated based on the historical resource transfer data generated by the resource transfer of the resource expenditure account through the payment platform, without the need for other resources. It is convenient and quick for the equipment to obtain relevant resource transfer information, and because there is no need to additionally transmit the resource transfer information of the resource expenditure account, it is beneficial to protect the security and privacy of the related information of the resource expenditure account.
  • Step 204 Based on the resource transfer information, determine a first resource quantity that is less than or equal to the target resource quantity; the target resource quantity is the quantity of resources that should be transferred from the resource expenditure account to the resource receiving account; the resource receiving The account is the contracted resource receiving account in the resource transfer agreement.
  • the number of resources that may be transferred into the resource expenditure account at a specified time can be determined. If the number of resources that may be transferred is greater than the number of target resources, it can indicate that the resources in the resource expenditure account are sufficient at the specified time.
  • the successful resource transfer of the first resource data is conducive to reducing the number of resource transfer operations. And if the number of resources that may be transferred is not greater than the number of target resources, it can indicate that the resources in the resource expenditure account may be insufficient at the specified time.
  • the determination can be made The number of the first resources out is less than or equal to the number of target resources, so as to improve the resource transfer success rate.
  • step 204 may specifically include: determining the second resource quantity transferred to the resource expenditure account based on the resource transfer information.
  • the resource transfer-in information is the resource transfer-in information including the resource transfer-in quantity information of the resource expenditure account sent by the resource management device
  • the resource transfer is determined based on the resource transfer-in information
  • the second resource quantity of the expenditure account may specifically include: determining the second resource quantity transferred to the resource expenditure account based on the resource transfer quantity information.
  • determining the second resource quantity transferred into the resource expenditure account may specifically include: determining the predicted resource transfer quantity of the resource expenditure account as the second resource quantity.
  • Step 206 Send a resource transfer request to the resource management device of the resource expenditure account, where the resource transfer request is used to request the first resource amount to be transferred from the resource expenditure account to the target account.
  • the target account can be either a transit account or a contracted resource receiving account. There is no specific restriction on this.
  • the method in Figure 2 When the target account is a transfer account, if the first resource quantity is less than the target resource quantity, the method in Figure 2 needs to be used to perform multiple resource transfer operations to make the quantity of resources transferred from the resource expenditure account reach the target resource quantity .
  • the method in FIG. 2 may further include: if the total amount of resources transferred from the resource expenditure account to the transfer account is equal to the target resource amount , The server of the payment platform may send a total resource transfer request to the resource management device of the transfer account, and the total resource transfer request is used to request that resources of the target resource quantity be transferred from the transfer account to the resource receiving Account.
  • the resource management device of the transfer account may report the resource transfer to the server of the payment platform Complete the information.
  • the server of the payment platform sends resource transfer completion information to the user equipment corresponding to the resource receiving account; the resource transfer completion information is used to indicate that the resources of the target resource amount have been transferred from the resource expenditure account to the resource Receiving account. This makes it easier for the payee to determine.
  • the transfer account receives the resource equal to the target resource quantity
  • the resource of the target resource quantity is transferred to the resource receiving account at one time, and the server of the payment platform can feed back the resource to the resource receiving account once.
  • the transfer completion prompt information is beneficial to reduce the amount of device resources consumed by the resource management device and the server of the payment platform when executing the resource transfer method.
  • the transfer account is required to transfer the resource to the resource receiving account, and the resource transfer information is sent to the user equipment corresponding to the resource receiving account.
  • the real-time resource transfer of this implementation method is better, but it is easy to cause waste of equipment resources of the server of the payment platform and the resource management equipment of the transfer account.
  • the method may include: obtaining a resource transfer success message fed back by the resource management device.
  • first resource transfer completion information is sent to the user equipment corresponding to the resource receiving account; the first resource transfer completion information is used to indicate that the resources of the first amount of resources have been transferred from the first resource An account is transferred to the second account.
  • step 206 it may include: obtaining a resource transfer success message fed back by the resource management device; if the total amount of resources transferred from the resource expenditure account to the resource receiving account is less than the agreed resource amount in the resource transfer agreement , Then use the method in Figure 2 to continue to transfer the resources in the resource expenditure account to the resource expenditure account until the total amount of resources transferred from the resource expenditure account to the resource receiving account is equal to the resource transfer agreement The number of agreed resources in.
  • the method in Figure 2 determines the first resource quantity that may currently be in the resource expenditure account that is less than or equal to the total number of resources to be deducted (that is, the target resource quantity) by using the resource transfer information in the resource expenditure account to request the
  • the resource management device of the resource expenditure account transfers the resources of the first resource amount from the resource expenditure account to the target account, so that it is not necessary to deduct money when the resource expenditure account has resources greater than or equal to the target resource amount.
  • This solution can not only reduce the number of times the payment platform's server attempts to deduct the resource expenditure account, but also help save the resources consumed by the payment platform's server when performing deduction operations, and it can also increase the payment platform's server's resource expenditure
  • the success rate of deducting resources from the account deducting the target resource quantity shows that the reliability and practicability of the resource transfer method are good.
  • the embodiments of the present disclosure also provide some specific implementation manners of the method, which are described below.
  • the payer and the payee need to sign a resource transfer agreement at the payment platform so that the payment platform can perform resource transfer operations for the resource accounts of the payer and the payee.
  • the payer and the payee can each authorize at the payment platform, so as to generate a resource transfer agreement based on the participation of the three parties.
  • FIG. 3a is a schematic diagram of a scenario for generating a resource transfer protocol provided by an embodiment of the disclosure. As shown in Figure 3a:
  • the server 301 of the payment platform can obtain the first authorization information for the resource transfer protocol sent by the user equipment 303 (payer) of the resource expenditure account; the first authorization information includes at least the first authorization information of the resource expenditure account. account information.
  • the first authorization information is used to grant the deduction authority for the resource expenditure account, that is, with the consent of the payer, the server of the payment platform can transfer resources from the resource expenditure account according to the preset frequency, quota, etc., but there is no need Then confirm the transaction with the payer one by one.
  • the server 301 of the payment platform may also obtain the second authorization information for the resource transfer protocol sent by the user equipment 302 (the payee) of the resource receiving account; the second authorization information includes at least the second account information of the resource receiving account.
  • the second authorization information is used to grant the authority to provide withholding resource services for the resource receiving account, that is, the payment platform can transfer the resources in the payer’s account according to the payee’s entrustment, according to the preset frequency and limit. Into the recipient's resource receiving account.
  • the server 301 of the payment platform may generate the resource transfer agreement based on the first account information and the second account information. In this implementation manner, a three-party contracting implementation method is provided, which is convenient and quick.
  • the payee can also interact with a third-party platform so that the third-party platform replaces the payee to the payment platform for authorization, so as to generate a resource transfer agreement based on the participation of the four parties.
  • Fig. 3b is a schematic diagram of another scenario for generating a resource transfer protocol provided by an embodiment of the disclosure.
  • the server 301 of the payment platform can obtain the first authorization information sent by the user equipment 303 of the resource expenditure account; the first authorization information includes at least the first account information of the resource expenditure account; The first authorization information is used to authorize a device of a merchant stationed on the third-party platform to initiate the resource transfer request.
  • the second authorization information sent by the device 304 of the third-party platform includes at least the second account information of the merchants who are stationed on the third-party platform.
  • the second authorization information is used to authorize the payment platform to provide withholding services to the merchant, that is, allow the payment platform to accept the merchant's entrustment and transfer the resources in the payer's account to the merchant's account.
  • the resource transfer agreement is generated.
  • the merchant (payee) of the third-party platform can use the user device 302 of the resource receiving account to interact with the device 304 of the third-party platform in advance, and sign a pre-authorization agreement so that the third-party platform can replace the merchant Sign a resource transfer agreement with the payment platform or initiate a resource withholding, thereby reducing the interaction between the payee and the payment platform, which is convenient and quick.
  • the method in FIG. 2 may further include: obtaining a contract cancellation request for the resource transfer agreement sent by the user equipment of the contracted resource expenditure account.
  • the recipient in order to protect the rights and interests of the user (namely the payee) of the contracted resource receiving account, after the user (payer) of the contracted resource expenditure account submits a contract termination request, the recipient must confirm that the contract is allowed to be terminated. Only then can the resource transfer agreement be lifted.
  • the method may further include: obtaining the contract termination confirmation sent by the user equipment of the contracted resource receiving account in response to the contract termination prompt information information.
  • the resource transfer agreement is cancelled.
  • the user equipment that has not acquired the contracted resource receiving account responds to the contract termination confirmation message sent by the contract termination prompt message, the response to the contract termination request may be suspended.
  • the payer can send a resource withholding request, so that the payment platform uses the resource transfer method shown in Figure 2 for resource transfer .
  • the method in FIG. 2 before step 202 may further include: obtaining a resource withholding request; the resource withholding request is used to request the transfer of the resources of the resource expenditure account to the resource receiving account.
  • the payment platform before executing the resource transfer method, the payment platform must determine the amount of resources that need to be transferred from the resource expenditure account to the resource receiving account, that is, the target resource amount. There are many ways to determine the target resource quantity.
  • the quantity indicated by the resource transfer quantity information is determined as the target resource quantity.
  • the resource withholding request can be made to carry resource transfer quantity information, so as to determine the resource quantity indicated by the resource transfer quantity information as The target resource quantity. Convenient.
  • the agreed amount is determined as the target resource amount.
  • the withholding agreement number can refer to the unique deduction voucher for the designated transaction between the payee and the payer, which is equivalent to the order number. Therefore, the agreed quantity in the resource transfer agreement corresponding to the withholding agreement number can be determined as the target resource quantity. It is convenient and fast, and can ensure the accuracy of the determined target resource quantity.
  • the method may further include: acquiring the withholding agreement number included in the resource withholding request.
  • the resource transfer information of the resource expenditure account is obtained.
  • the resource transfer operation is suspended. To ensure the security of resources in the resource expenditure account.
  • the verifying the resource withholding request based on the withholding agreement number may specifically include: searching for the resource transfer agreement corresponding to the withholding agreement number.
  • the method in FIG. 2 may further include: judging whether the amount of resources requested for deduction in the resource withholding request exceeds the non-confirmation quota set in the resource transfer agreement, and obtaining a third judgment result.
  • the non-confirmation quota set in the resource transfer agreement can be determined according to actual conditions, and there is no specific limitation on this.
  • prompt information is sent to the user equipment of the resource expenditure account; the prompt information is used to prompt the resource The amount of resources requested for deduction in the withholding request exceeds the confirmation-free quota.
  • Acquire confirmation information fed back by the user equipment of the resource expenditure account is used to indicate that the user of the resource expenditure account agrees to deduct the amount of resources requested by the resource withholding request.
  • the resource transfer request is sent to the resource management device of the resource expenditure account.
  • the confirmation information may be information containing the confirmation code.
  • the payer when the amount of resources requested for deduction in the resource withholding request exceeds the non-confirmation limit set in the resource transfer agreement, the payer must agree to deduct the deduction requested by the resource withholding request After the number of resources, the resource transfer operation is performed, which helps to ensure the security and controllability of the resources in the payer's resource expenditure account.
  • FIG. 4 is a schematic flowchart of a method for sending a resource withholding request provided by an embodiment of the disclosure.
  • the execution subject of the method in FIG. 4 may be the user equipment of the resource receiving account, or the program in the user equipment of the resource receiving account.
  • the method may include: Step 402: the user equipment of the resource receiving account sends a resource withholding request to the server of the payment platform; the resource withholding request is used to request the server of the payment platform to perform the operations shown in FIG.
  • the method and the resource transfer method shown in the embodiment may include: Step 402: the user equipment of the resource receiving account sends a resource withholding request to the server of the payment platform; the resource withholding request is used to request the server of the payment platform to perform the operations shown in FIG.
  • the method and the resource transfer method shown in the embodiment are examples of the resource withholding request.
  • the resource withholding request may include a target resource quantity, and the target resource quantity is the resource quantity that should be transferred from the resource expenditure account to the resource receiving account.
  • the resource withholding request may include a withholding agreement number, and the withholding agreement number may refer to a unique deduction voucher for a designated transaction between the payee and the payer, and is equivalent to an order number. Therefore, the agreed quantity in the resource transfer agreement corresponding to the withholding agreement number can be determined as the target resource quantity. Convenient.
  • the user equipment of the resource receiving account needs to be authorized at the payment platform before initiating the resource withholding request, so that the payment platform can provide the resource withholding service to the resource receiving account. Therefore, before step 402, it may further include: the user equipment of the resource receiving account sends authorization information for the resource transfer protocol to the server of the payment platform; the authorization information includes at least the account information of the resource receiving account.
  • the user equipment of the resource expenditure account also needs to send authorization information for the resource transfer protocol to the server of the payment platform; the authorization information includes at least the account information of the resource expenditure account. So that the payment platform generates a resource transfer agreement based on the authorization information sent by the user equipment of the resource receiving account and the user equipment of the resource expenditure account.
  • the payee may show the graphic code to the payer to generate a resource transfer agreement based on the graphic code.
  • the user equipment of the resource receiving account may further include: the user equipment of the resource receiving account displays a contract interface containing a code image; Account information related to the account; the code image is used to be scanned by another user device to generate an authorization request; the authorization request is used to authorize a secret-free payment for a resource withholding request initiated by the resource receiving account.
  • FIG. 5 is a schematic diagram of an application interface of a user equipment of a resource receiving account provided by an embodiment of the disclosure.
  • the interface 501 of the user equipment of the payee’s resource receiving account may display a graphic code 502 used to sign the resource transfer agreement with the payer.
  • the graphic code can be a two-dimensional code or a barcode, or other types of graphic codes, which are not specifically limited.
  • the interface 501 of the user equipment of the resource receiving account can be either a web page or application page provided by the payment platform, or a web page or application page mentioned by the third-party platform where the merchant (payee) is staying. There is no specific restriction on this.
  • FIG. 6 is a schematic diagram of an application interface of a user equipment of a resource expenditure account provided by an embodiment of the disclosure.
  • the interface 601 of the user equipment of the resource expenditure account can display the information of the resource expenditure account.
  • the method may further include: obtaining a feedback from the server of the payment platform corresponding to the resource based on the authorization information.
  • the withholding agreement number of the transfer agreement ; save the withholding agreement number.
  • the sending the resource withholding request to the server of the payment platform may specifically include: sending the resource withholding request including the withholding protocol number to the server of the payment platform.
  • sending the resource withholding request including the withholding protocol number to the server of the payment platform.
  • the server of the payment platform uses the method in FIG. 2 to transfer the resources in the resource expenditure account to the resource receiving account
  • the user equipment of the resource receiving account can also receive resource transfer prompt information.
  • the method may further include: obtaining a plurality of resource transfer completion information fed back by the server of the payment platform in response to the resource withholding request; The sum is equal to the number of target resources to be transferred requested by the resource withholding request, and the target resource number is the number of resources that should be transferred from the resource expenditure account to the resource receiving account.
  • FIG. 7 is a schematic flowchart of a method for generating a resource expenditure record according to an embodiment of the disclosure.
  • the execution subject of the method in FIG. 7 may be the user equipment of the resource expenditure account, or the program in the user equipment of the resource expenditure account.
  • the method may include: Step 702: the user equipment of the resource expenditure account obtains resource expenditure information; the resource expenditure information is used to indicate the resources paid by the resource expenditure account based on the resource transfer method in FIG. The number of first resources.
  • Step 704 Generate a resource expenditure record based on the resource expenditure information; the resource expenditure record includes the first resource quantity and business information related to the resource expenditure information.
  • the acquiring resource expenditure information may specifically include: acquiring multiple resource expenditure information sent by the server of the payment platform; the multiple resource expenditure information relates to the same business information.
  • the generating a resource expenditure record based on the resource expenditure information specifically includes: for each resource expenditure information, generating a resource expenditure record to obtain multiple resource expenditure records.
  • the sum of the first resource quantity contained in each resource expenditure record in the plurality of resource expenditure records is equal to the second resource quantity; the second resource quantity is the resource expenditure quantity corresponding to the same business information.
  • the user equipment of the resource expenditure account can generate resource expenditure records, so that the payer can understand the total amount of resources spent in the settlement of each business, which is beneficial to improve the user experience of the payer.
  • FIG. 8 is a schematic flowchart of a resource transfer solution involving multiple parties provided by an embodiment of the disclosure.
  • Step 802 The payer can use the user equipment of the resource expenditure account to send the first authorization information of the resource expenditure account to the server of the payment platform.
  • Step 804 The payee may be a merchant staying at the third-party platform, and the payee may use the user equipment of the resource receiving account to send the second authorization information of the resource receiving account to the server of the third-party platform.
  • Step 806 The server of the third-party platform can interact with the server of the payment platform to replace the payee in initiating a contract request for the resource transfer agreement. Specifically, the server of the third-party platform may generate the second authorization information for the resource receiving account and send it to the server of the payment platform. Alternatively, the server of the third-party platform may forward the received second authorization information of the resource receiving account to the server of the payment platform.
  • Step 808 The server of the payment platform generates a resource transfer agreement corresponding to the payee and the payer according to the first authorization information and the second authorization information.
  • Step 810 The server of the payment platform sends the billing agreement number corresponding to the resource transfer agreement to the user equipment of the resource receiving account.
  • the server of the payment platform sends the billing agreement number corresponding to the resource transfer agreement to the server of the third-party platform, so that the server of the third-party platform can store or forward the billing agreement number to the user device of the resource receiving account.
  • Step 812 The user equipment of the resource receiving account initiates a resource withholding request to the server of the payment platform based on the withholding protocol number. Alternatively, the user equipment of the resource receiving account initiates a resource billing request corresponding to the billing protocol number to the server of the payment platform based on the server of the third-party platform.
  • Step 814 The server of the payment platform verifies the withholding agreement number in the resource withholding request, and if it passes, obtains the resource transfer information of the resource expenditure account. If it fails, the resource transfer process ends.
  • Step 816 The server of the payment platform determines the first resource quantity that is less than or equal to the target resource quantity based on the resource transfer information.
  • Step 818 The server of the payment platform sends a resource transfer request to the resource management device of the resource expenditure account, where the resource transfer request is used to request the resource of the first amount of resources to be transferred from the resource expenditure account to the target account.
  • Step 820 After determining to transfer the resources of the first resource amount from the resource expenditure account to the target account, the server of the payment platform may send resource expenditure information to the user equipment of the resource expenditure account.
  • Step 822 The user equipment of the resource expenditure account may generate a resource expenditure record according to the resource expenditure information.
  • Step 824 After determining to transfer the resources of the first resource amount from the resource expenditure account to the target account, the server of the payment platform may also determine whether the resources transferred from the resource expenditure account to the target account reach the target resource amount.
  • Step 826 If the resources transferred from the resource expenditure account to the target account reach the target resource quantity, and the resources of the target resource quantity have been transferred to the resource receiving account, the server of the payment platform may send the resource transfer complete to the user equipment of the resource receiving account information. If the resources transferred from the resource expenditure account to the target account do not reach the target resource quantity, then jump to step 814 to obtain the resource transfer information of the resource expenditure account again, and perform the resource transfer operation.
  • FIG. 9 is a schematic structural diagram of a resource transfer device corresponding to FIG. 2 provided by an embodiment of the disclosure.
  • the device may include: a first obtaining module 902, configured to obtain resource transfer information of a resource expenditure account; the resource expenditure account is a contracted resource expenditure account in a resource transfer agreement.
  • the first determining module 904 is configured to determine a first resource quantity that is less than or equal to the target resource quantity based on the resource transfer information; the target resource quantity is the resource quantity that should be transferred from the resource expenditure account to the resource receiving account ; The resource receiving account is the contracted resource receiving account in the resource transfer agreement.
  • the first sending module 906 is configured to send a resource transfer request to the resource management device of the resource expenditure account, where the resource transfer request is used to request the resource of the first amount of resources to be transferred from the resource expenditure account to the target account .
  • the embodiments of the present disclosure also provide some specific implementation manners of the device, which will be described below.
  • the device in FIG. 9 may further include: a second obtaining module, configured to obtain a resource withholding request; the resource withholding request is used to request to transfer the resources of the resource expenditure account to the resource receiving Account.
  • a second obtaining module configured to obtain a resource withholding request; the resource withholding request is used to request to transfer the resources of the resource expenditure account to the resource receiving Account.
  • the second determining module is configured to determine the target resource quantity based on the resource withholding request.
  • the second determining module may be specifically configured to: obtain the resource transfer quantity information included in the resource withholding request; and determine the quantity indicated by the resource transfer quantity information as the target resource quantity. Or, obtain the withholding agreement number included in the resource withholding request; determine the agreed amount in the resource transfer agreement corresponding to the withholding agreement number; determine the agreed amount as the target resource amount.
  • the device in FIG. 9 may further include:
  • the withholding agreement number obtaining module is used to obtain the withholding agreement number included in the resource withholding request.
  • the verification module is configured to verify the resource withholding request based on the withholding agreement number.
  • the first obtaining module 902 may be specifically configured to: if the resource withholding request passes the verification, obtain the resource transfer information of the resource expenditure account.
  • the verification module can be specifically used to find the resource transfer agreement corresponding to the withholding agreement number.
  • the first determining module 904 may specifically include: a first determining unit configured to determine the second amount of resources transferred to the resource expenditure account based on the resource transfer information.
  • the judging unit is configured to judge whether the quantity of the second resource is greater than the quantity of the target resource.
  • the second determining unit is configured to determine the first resource quantity equal to the target resource quantity when the second resource quantity is greater than the target resource quantity.
  • the third determining unit is configured to determine the first resource quantity that is less than or equal to the second resource quantity when the second resource quantity is not greater than the target resource quantity.
  • the first obtaining module 902 may be specifically configured to obtain the resource transfer information including the resource transfer quantity information of the resource expenditure account sent by the resource management device.
  • the first determining unit is specifically configured to determine the second amount of resources transferred to the resource expenditure account based on the resource transfer amount information.
  • the device described in FIG. 9 may further include; a third obtaining module, configured to obtain historical resource transfer data of the resource expenditure account.
  • the third determining module is configured to determine the estimated resource transfer time of the resource expenditure account based on the historical resource transfer data.
  • the fourth determining module is configured to determine the estimated resource transfer amount of the resource expenditure account based on the historical resource transfer data.
  • the first obtaining module 902 can be specifically used to: obtain time trigger information; the time trigger information is used to indicate that the current time is a time point within a preset time period after the estimated resource transfer time for the resource expenditure account .
  • the first determining unit is specifically configured to determine the predicted resource transfer amount of the resource expenditure account as the second resource amount.
  • the target account is a transfer account
  • the device described in FIG. 9 may further include: a second sending module, configured to: if the total amount of resources transferred from the resource expenditure account to the transfer account is equal to The target resource quantity sends a total resource transfer request to the resource management device of the transfer account, and the total resource transfer request is used to request the target resource quantity to be transferred from the transfer account to the resource receiving account .
  • the third sending module is configured to send resource transfer completion information to the user equipment corresponding to the resource receiving account; the resource transfer completion information is used to indicate that the resources of the target resource quantity have been transferred from the resource expenditure account to the Resource receiving account.
  • the apparatus described in FIG. 9 may further include: a fourth obtaining module, configured to obtain first authorization information for the resource transfer agreement sent by the user equipment of the resource expenditure account;
  • the authorization information includes at least the first account information of the resource expenditure account.
  • the fifth obtaining module is configured to obtain second authorization information for the resource transfer protocol sent by the user equipment of the resource receiving account; the second authorization information includes at least the second account information of the resource receiving account.
  • the first protocol generating module is configured to generate the resource transfer protocol based on the first account information and the second account information.
  • the apparatus described in FIG. 9 may further include: a sixth obtaining module, configured to obtain first authorization information sent by the user equipment of the resource expenditure account; the first authorization information includes at least the resource The first account information of the expenditure account; the first authorization information is used to authorize the device of the merchant stationed on the third-party platform to initiate the resource transfer request.
  • a sixth obtaining module configured to obtain first authorization information sent by the user equipment of the resource expenditure account; the first authorization information includes at least the resource The first account information of the expenditure account; the first authorization information is used to authorize the device of the merchant stationed on the third-party platform to initiate the resource transfer request.
  • the seventh obtaining module is configured to obtain the second authorization information sent by the device of the third-party platform; the second authorization information includes at least the second account information of the merchant who is stationed on the third-party platform.
  • the second protocol generating module is configured to generate the resource transfer protocol based on the first account information and the second account information.
  • the device described in FIG. 9 may further include: a confirmation-free quota judging module, configured to determine whether the amount of resources requested for deduction in the resource withholding request exceeds the confirmation-free quota set in the resource transfer agreement Amount, get the third judgment result.
  • a confirmation-free quota judging module configured to determine whether the amount of resources requested for deduction in the resource withholding request exceeds the confirmation-free quota set in the resource transfer agreement Amount, get the third judgment result.
  • the prompt information sending module is configured to send prompt information to the user equipment of the resource expenditure account if the third judgment result indicates that the amount of resources requested by the resource withholding request exceeds the confirmation-free quota; the prompt The information is used to prompt that the amount of resources requested for deduction in the resource withholding request exceeds the confirmation-free quota.
  • the confirmation information acquisition module is used to acquire confirmation information fed back by the user equipment of the resource expenditure account; the confirmation information is used to indicate that the user of the resource expenditure account agrees to deduct the amount of resources requested by the resource withholding request.
  • the first sending module is specifically configured to send the resource transfer request to the resource management device of the resource expenditure account based on the confirmation information.
  • the prompt information is specifically a short message including a confirmation code, and the confirmation information includes the confirmation code.
  • the device described in FIG. 9 may further include: a stop execution module, configured to stop executing the resource if the confirmation information fed back by the user equipment of the resource expenditure account is not obtained within a set time The operation corresponding to the withholding request.
  • a stop execution module configured to stop executing the resource if the confirmation information fed back by the user equipment of the resource expenditure account is not obtained within a set time The operation corresponding to the withholding request.
  • the apparatus described in FIG. 9 may further include: a contract cancellation request acquisition module, configured to acquire a contract cancellation request for the resource transfer agreement sent by the user equipment of the contracted resource expenditure account.
  • a contract cancellation request acquisition module configured to acquire a contract cancellation request for the resource transfer agreement sent by the user equipment of the contracted resource expenditure account.
  • the contract termination prompt information sending module is configured to send contract termination prompt information to the user equipment of the contracted resource receiving account in the resource transfer agreement based on the contract termination request.
  • the contract termination determination information acquisition module is configured to obtain contract termination confirmation information sent by the user equipment of the contracted resource receiving account in response to the contract termination prompt message.
  • the contract cancellation module is used to cancel the resource transfer agreement based on the contract cancellation confirmation information.
  • the suspension response module is configured to, if within a preset time period, the user equipment that has not obtained the contracted resource receiving account responds to the contract cancellation confirmation message sent by the contract cancellation prompt message; and suspend the response to the contract cancellation request.
  • FIG. 10 is a schematic structural diagram of a device for sending a resource withholding request corresponding to the method in FIG. 4 according to an embodiment of the disclosure.
  • the apparatus in FIG. 10 can be applied to a user equipment of a resource receiving account.
  • the device may include: a first sending module 1002, configured to send a resource withholding request to the server of the payment platform; the resource withholding request is used to request the server of the payment platform to execute the Resource transfer method.
  • the embodiments of the present disclosure also provide some specific implementation manners of the device, which will be described below.
  • the device in FIG. 10 may further include: a second sending module, configured to send authorization information for the resource transfer protocol to the server of the payment platform; the authorization information includes at least the account of the resource receiving account information.
  • a second sending module configured to send authorization information for the resource transfer protocol to the server of the payment platform; the authorization information includes at least the account of the resource receiving account information.
  • the obtaining module is configured to obtain the withholding agreement number corresponding to the resource transfer agreement that is fed back by the server of the payment platform based on the authorization information.
  • the saving module is used to save the withholding agreement number.
  • the first sending module 1002 can be specifically used to send a resource withholding request including the withholding protocol number to a server of a payment platform.
  • the device in FIG. 10 may further include: a contract interface display module, configured to display a contract interface including a code image; the code image includes account information related to the resource receiving account; the code image is used for It is scanned by another user equipment to generate an authorization request; the authorization request is used to authorize a secret-free payment for the resource withholding request initiated by the resource receiving account.
  • a contract interface display module configured to display a contract interface including a code image; the code image includes account information related to the resource receiving account; the code image is used for It is scanned by another user equipment to generate an authorization request; the authorization request is used to authorize a secret-free payment for the resource withholding request initiated by the resource receiving account.
  • the resource withholding request may include a target resource quantity, and the target resource quantity is the resource quantity that should be transferred from the resource expenditure account to the resource receiving account.
  • the device in FIG. 10 may further include: a resource transfer completion information acquisition module, configured to acquire multiple resource transfer completion information fed back by the server of the payment platform in response to the resource withholding request;
  • the sum of the number of resource transfers included in the multiple resource transfer completion information is equal to the number of target resources to be transferred requested by the resource withholding request, and the target resource number is the resource that should be transferred from the resource expenditure account to the resource receiving account quantity.
  • FIG. 11 is a schematic structural diagram of a device for generating resource expenditure records corresponding to the method in FIG. 7 provided by an embodiment of the disclosure.
  • the device in FIG. 11 can be applied to user equipment of a resource expenditure account.
  • the device may include: an acquisition module 1102 for acquiring resource expenditure information; the resource expenditure information is used to indicate the amount of resources paid by the resource expenditure account based on the resource transfer method of claim 1 Number of first resources.
  • the resource expenditure record generating module 1104 is configured to generate a resource expenditure record based on the resource expenditure information; the resource expenditure record includes the first resource quantity and business information related to the resource expenditure information.
  • the embodiments of the present disclosure also provide some specific implementation manners of the device, which will be described below.
  • the acquiring module 1102 may be specifically used to acquire multiple resource expenditure information sent by a server of the payment platform; the multiple resource expenditure information relates to the same business information.
  • the resource expenditure record generating module 1104 can be specifically used to generate one resource expenditure record for each resource expenditure information, and obtain multiple resource expenditure records.
  • the sum of the first resource quantity contained in each resource expenditure record in the plurality of resource expenditure records is equal to the second resource quantity; the second resource quantity is the resource expenditure quantity corresponding to the same business information.
  • the embodiments of the present disclosure also provide a resource transfer device corresponding to the method in FIG. 2, a resource withholding request sending device corresponding to the method in FIG. 4, and a generating device corresponding to the method in FIG. Equipment for resource expenditure records.
  • FIG. 12 is a schematic structural diagram of a resource transfer device, a device for sending a resource withholding request, or a device for generating a resource expenditure record according to an embodiment of the disclosure.
  • the device 1200 may include: at least one processor 1210; and, a memory 1230 communicatively connected with the at least one processor; the memory 1230 stores instructions that can be executed by the at least one processor 1210 1220.
  • the instructions 1220 may be executed by the at least one processor 1210, so that the at least one processor 1210 can: obtain a resource expenditure account Resource transfer information; the resource expenditure account is the contracted resource expenditure account in the resource transfer agreement.
  • the resource transfer information Based on the resource transfer information, determine the first resource quantity that is less than or equal to the target resource quantity; the target resource quantity is the quantity of resources that should be transferred from the resource expenditure account to the resource receiving account; the resource receiving account is The contracted resource receiving account in the resource transfer agreement.
  • the instruction 1220 may be executed by the at least one processor 1210, so that the at least one processor 1210 can: A resource withholding request is sent to the server of the payment platform; the resource withholding request is used to request the server of the payment platform to perform the resource transfer method in FIG. 2.
  • the instructions 1220 may be executed by the at least one processor 1210, so that the at least one processor 1210 can: obtain Resource expenditure information; the resource expenditure information is used to indicate the first resource quantity of the resources paid out by the resource expenditure account based on the resource transfer method in FIG. 2.
  • a resource expenditure record is generated; the resource expenditure record includes the first resource quantity and business information related to the resource expenditure information.
  • a programmable logic device Programmable Logic Device, PLD
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression Language
  • AHDL Altera Hardware Description Language
  • HDCal JHDL
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller can be implemented in any suitable manner.
  • the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers.
  • controllers include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as a part of the memory control logic.
  • controllers in addition to implementing the controller in a purely computer-readable program code manner, it is completely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded logic.
  • the same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device Or any combination of these devices.
  • the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device.
  • the device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment.
  • the instructions provide steps for implementing functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram.
  • the computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.
  • processors CPU
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM).
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • Information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage , Magnetic cassettes, magnetic tape storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
  • this application can be provided as methods, systems, or computer program products. Therefore, this application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • This application may be described in the general context of computer-executable instructions executed by a computer, such as a program module.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • This application can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种资源转移方法、装置及设备，该方案包括：根据资源支出账户的资源转入信息，确定小于或等于目标资源数量的第一资源数量；其中，目标资源数量为应由资源支出账户转移至资源接收账户的资源数量；以请求资源支出账户的资源管理设备将第一资源数量的资源由资源支出账户转移至目标账户。

Description

资源转移 技术领域
本申请涉及电子支付技术领域，尤其涉及一种资源转移方法、装置及设备。
背景技术
随着网络技术的快速发展，越来越多的用户适应并接受了电子支付方式。
现有技术中，有一类电子支付方式可称为协议支付方式。概括来说，该方式中，收款方可与付款方达成协议，在达成协议之后，按照协议约定的条件进行电子支付。例如，用户可与支付平台签订按月支付手机话费或视频平台会员费的协议。当协议约定的条件发生时，支付平台可在不需要用户主动操作的情况下，从用户的资金账户中将协议约定的数目的款项转移至收款方的资金账户。
但是，当付款方的资金账户中的资金数目较少，不足以支付协议约定的数目的款项时，应当如何处理，目前是亟待解决的技术问题。
发明内容
本公开实施例提供了一种资源转移方法、装置及设备，以解决在付款方账户内资源不足的情况下，对付款方账户进行资源转移的问题。
为解决上述技术问题，本公开实施例是这样实现的：本公开实施例提供的一种资源转移方法，包括：获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
本公开实施例提供的一种资源代扣请求的发送方法，包括：资源接收账户的用户设备向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行上述一种资源转移方法。
本公开实施例提供的一种生成资源支出记录的方法，包括：资源支出账户的用户设备获取资源支出信息；所述资源支出信息用于表示基于上述一种资源转移方法由所述资源支出账户支出的资源的第一资源数量；基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
本公开实施例提供的一种资源转移装置，包括：第一获取模块，用于获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；第一确定模块，用于基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；第一发送模块，用于向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
本公开实施例提供的一种资源代扣请求的发送装置，应用于资源接收账户的用户设备，包括：第一发送模块，用于向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行上述资源转移方法。
本公开实施例提供的一种生成资源支出记录的装置，应用于资源支出账户的用户设备，包括：获取模块，用于获取资源支出信息；所述资源支出信息用于表示基于上述一种资源转移方法由所述资源支出账户支出的资源的第一资源数量；资源支出记录生成模块，用于基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
本公开实施例提供的一种资源转移设备，包括至少一个处理器及与所述至少一个处理器通信连接的存储器。所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
本公开实施例提供的一种资源代扣请求的发送设备，包括至少一个处理器及与所述至少一个处理器通信连接的存储器。所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行上述一种资源转移方法。
本公开实施例提供的一种生成资源支出记录的设备包括至少一个处理器及与所述至少一个处理器通信连接的存储器。所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：获取资源支出信息；所述资源支出信息用于表示基于上述一种资源转移方法由资源支出账户支出的资源的第一资源数量；基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
本公开中的实施例能够达到以下有益效果：通过根据资源支出账户的资源转入信息，确定出该资源支出账户内当前可能具有的小于或等于待扣除资源总数(即目标资源数量)的第一资源数量，以请求该资源支出账户的资源管理设备去将所述第一资源数量的资源由所述资源支出账户转移至目标账户，从而无需在资源支出账户内具有大于等于目标资源数量的资源时才能进行扣款。该方案不仅可降低支付平台的服务器尝试对该资源支出账户进行扣款的次数，有利于节省支付平台的服务器在执行扣款操作时所消耗的资源，还有于提升支付平台的服务器从资源支出账户扣除目标资源数量的资源的扣除成功率，可见，该资源转移方法的可靠性及实用性均较好。
附图说明
图1是本公开实施例提供的一种资源转移方法的整体方案流程示意图；
图2为本公开实施例提供的一种资源转移方法的流程示意图；
图3a为本公开实施例提供的一种生成资源转移协议的场景示意图；
图3b为本公开实施例提供的另一种生成资源转移协议的场景示意图；
图4为本公开实施例提供的一种资源代扣请求的发送方法的流程示意图；
图5为本公开实施例提供的一种资源接收账户的用户设备的应用界面示意图；
图6为本公开实施例提供的一种资源支出账户的用户设备的应用界面示意图；
图7为本公开实施例提供的一种生成资源支出记录的方法的流程示意图；
图8为本公开实施例提供的一种涉及多方的资源转移方案的流程示意图；
图9为本公开实施例提供的对应于图2中方法的一种资源转移装置的结构示意图；
图10为本公开实施例提供的对应于图4中方法的一种资源代扣请求的发送装置的结构示意图；
图11为本公开实施例提供的对应于图7中方法的一种生成资源支出记录的装置的结构示意图；
图12为本公开实施例提供的一种资源转移设备、一种资源代扣请求的发送设备或者一种生成资源支出记录的设备的结构示意图。
具体实施方式
相关技术中，用户可与支付平台签订协议，以便于采用协议支付方式进行付款，方便快捷。但当用户的资金账户中的资金数目较少，不足以支付协议约定的总金额时，支付平台的服务器通常会按较高的频率对该用户的资金账户进行尝试扣款，以便于在该用户的账户资金因转入资金而达到协议约定的总金额时，及时地从该用户的资金账户中扣除该协议约定的总金额，从而完成协议扣款操作。由于这种资源转移方法需支付平台的服务器按较高频率重复执行扣款操作，直至扣款成功，导致支付平台的服务器的资源浪费十分严重。
为了解决现有技术中的缺陷，本方案给出了以下实施例：付款方与收款方可在支付平台处签订资源转移协议。当支付平台的服务器接收到收款方发起的与该资源转移协议对应的资源代扣请求后，支付平台的服务器可根据付款方的资源支出账户的资源转入信息，对付款方的资源支出账户进行单次或多次扣款操作，以令累计扣除的资源量达到该资源转移协议所指示转移的资源量(即目标资源数量)，从而在付款方账户中的资源数量小于目标资源数量所指示的资源量的情况下，也能完成协议扣款。
图1为本公开实施例提供的一种资源转移方法的整体方案流程示意图。如图1所示，资源接收账户可指收款方用于接收付款方的资源的账户，资源接收账户的用户设备则可指收款方设备。资源支出账户可指付款方用于支出资源的账户，资源支出账户的用户设备则可指付款方设备。
图1中的资源转移方案的整体流程可包括以下：
步骤102：付款方可通过操作资源支出账户的用户设备，以向支付平台的服务器发送针对资源转移协议的第一授权信息。
步骤104：收款方可通过操作资源接收账户的用户设备，以向支付平台的服务器发送针对该资源转移协议的第二授权信息。
在实际应用中，步骤102与104的执行顺序可根据实际需要相互交换，对此不作具体限定。
步骤106：根据第一授权信息及第二授权信息，生成与该付款方及该收款方对应的资源转移协议。
步骤108：收款方可通过操作资源接收账户的用户设备，向支付平台的服务器发送与步骤106中生成的资源转移协议对应的资源代扣请求。
步骤110：支付平台的服务器在接收到该资源代扣请求后，可获取付款方的资源支出账户的资源转入信息。
步骤112：支付平台的服务器可根据获取到的资源支出账户的资源转入信息，确定该资源支出账户可能具有的资源的数量，进而可确定一个该资源支出账户具有的且小于或等于目标资源数量的第一资源数据，从而可将该第一资源数据对应的资源成功的从资源支出账户转移至目标账户。该目标资源数量为根据资源代扣请求或资源转移协议确定出的应由所述资源支出账户转移至资源接收账户的资源数量。
步骤114：判断从资源支出账户转移至目标账户的资源量(即资源转移总量)是否达到目标资源数量，若是，则可跳转至结束，若否，则可跳转至步骤110，继续对资源支出账户进行资源转移操作，从而在资源支出账户中的资源数量小于目标资源数量的情况下，通过多次资源转移操作，以实现资源代扣。
接下来，将针对说明书实施例提供的一种资源转移方法结合附图进行具体说明：图2为本公开实施例提供的一种资源转移方法的流程示意图。从程序角度而言，流程的执行主体可为搭载于支付平台的服务器中的程序或支付平台的服务器。
如图2所示，该流程可包括以下步骤：步骤202：获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户。
在本公开实施例中，支付平台可指第三方支付平台，该支付平台可向用户(付款方 及收款方)提供电子商务基础支撑与应用支撑服务，而不直接从事具体的电子商务活动。该支付平台可提供一系列的应用接口程序，以对多种银行卡支付方式进行整合，使得消费者和商家不需要在不同的银行处开设对应账户，即可便捷的完成交易。
在本公开实施例中，资源支出账户通常为付款方在支付平台处完成注册的账户，以令支付平台能够具有对该资源支出账户中的资源的转移权限。在实际应用中，该资源支出账户既可为用户在银行处开立的银行账户，也可指用户在支付平台处开立的资金管理账户，对此不作具体限定。
在本公开实施例中，获取资源支出账户的资源转入信息的实现方式有多种。
第一种实现方式
由于资源支出账户的资源管理设备用于管理该资源支出账户的资源的转入与转出，因此，可从该资源管理设备处获取资源支出账户的资源转入信息。
步骤202可包括：支付平台的服务器获取资源支出账户的资源管理设备发送的资源支出账户的资源转入信息。该资源转入信息包含所述资源支出账户的资源转入数量信息。
所述资源支出账户的资源转入数量信息可表征在指定时刻该资源支出账户内转入了指定数量的资源。在实际应用中，资源支出账户的资源管理设备可在确定该资源支出账户当前转入了一笔资源时，再向支付平台的服务器发送该资源转入信息，而无需支付平台的服务器按指定频率去请求获取资源转入信息，有利于降低支付平台的服务器的资源消耗。或者，该资源管理设备也可将资源支出账户的历史资源转入信息发送至支付平台的服务器，以便于支付平台的服务器根据历史资源转入信息，预测该资源支出账户的下一次资源转入时间及资源转入量。
支付平台的服务器与资源支出账户的资源管理设备即可归属于同一企业，也可归属于不同企业，对此不作具体限定。
在本实现方式中，通过从资源支出账户的资源管理设备处获取资源支出账户的资源转入信息，有利于提升获取到的资源支出账户的资源转入信息的准确性及实时性。
第二种实现方式
由于付款方日常基于支付平台以及资源支出账户执行的交易行为，也可反映该付款方的资源支出账户的资源转入情况，例如，假定，付款方通常会在每月上旬使用该资源支出账户进行付款，则可反映在月初时，该资源支出账户可能会转入一定数量的资源。而根据每月从该资源支出账户支出的资源总额，则可预估该资源支出账户在月初时可能转入的资源数量。
因此，步骤202之前，还可包括：支付平台的服务器获取所述资源支出账户的历史资源转移数据。
基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入时间。
基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入数量。
对应的，步骤202具体可包括：获取时间触发信息；所述时间触发信息用于表示当前时间为所述预计资源转入时间之后的预设时间段内的时间点。
若获取到时间触发信息，则可将预先确定出的所述资源支出账户的预计资源转入时间以及预计资源转入数量，确定为该资源支出账户的资源转入信息。
在本实现方式中，可根据通过该支付平台对该资源支出账户进行的资源转移所产生的历史资源转移数据，评估该资源支出账户的预计资源转入时间及预计资源转入数量，无需从其他设备处获取相关资源转入信息，方便快捷，且由于无需额外传输资源支出账户的资源转移信息，有利于保护资源支出账户的相关信息的安全性及隐私性。
步骤204：基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户。
在本公开实施例中，根据资源支出账户的资源转入信息，可确定该资源支出账户在 指定时刻可能转入的资源数量。如果该可能转入的资源数量大于目标资源数量，则可表示在该指定时刻时，资源支出账户中的资源充足，即使令确定出的第一资源数量等于目标资源数量，也可针对确定出的第一资源数据进行资源转移成功，有利于降低资源转移操作次数。而如果该可能转入的资源数量不大于目标资源数量，则可表示在该指定时刻时，资源支出账户中的资源可能不足，为针对确定出的第一资源数据进行资源转移成功，可令确定出的第一资源数量小于或等于目标资源数量，以提升资源转移成功率。
因此，步骤204具体可包括：基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量。
判断所述第二资源数量是否大于所述目标资源数量，得到第二判断结果。
当所述第二判断结果表示所述第二资源数量大于所述目标资源数量，确定等于所述目标资源数量的第一资源数量。
当所述第二判断结果表示所述第二资源数量不大于所述目标资源数量，确定小于或等于所述第二资源数量的第一资源数量。
在本公开实施例中，由于获取所述资源转入信息的实现方式有多种。因此，基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量的实现方式也可由多种。第一种实现方式
当所述资源转入信息为所述资源管理设备发送的包含所述资源支出账户的资源转入数量信息的资源转入信息时，所述基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量，具体可包括：基于所述资源转入数量信息，确定转入所述资源支出账户的第二资源数量。
第二种实现方式
当所述资源转入信息为基于所述资源支出账户的历史资源转移数据，确定出的所述资源支出账户的预计资源转入时间及预计资源转入数量时，所述基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量，具体可包括：将所述资源支出账户的预计资源转入数量确定为所述第二资源数量。
步骤206：向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
在本公开实施例中，所述目标账户既可为中转账户，也可为签约资源接收账户。对此不作具体限定。
当所述目标账户为中转账户时，若第一资源数量小于目标资源数量，则需利用图2中的方法执行多次资源转移操作，才能令从资源支出账户中转移的资源量达到目标资源数量。为避免多次资源转移操作对资源接收账户的运行造成干扰，图2中的方法，还可包括：若已由所述资源支出账户转移至所述中转账户的资源总数量等于所述目标资源数量，则支付平台的服务器可向所述中转账户的资源管理设备发送总资源转移请求，所述总资源转移请求用于请求将所述目标资源数量的资源由所述中转账户转移至所述资源接收账户。
若所述中转账户的资源管理设备成功地将所述目标资源数量的资源由所述中转账户转移至所述资源接收账户，则所述中转账户的资源管理设备可向支付平台的服务器反馈资源转移完成信息。
以便于支付平台的服务器向所述资源接收账户对应的用户设备发送资源转移完成信息；所述资源转移完成信息用于表示所述目标资源数量的资源已由所述资源支出账户转移至所述资源接收账户。从而便于收款方进行确定。
在本实现方式中，通过在中转账户接收到等于目标资源数量的资源后，再一次性向资源接收账户转入所述目标资源数量的资源，并令支付平台的服务器可向资源接收账户反馈一次资源转移完成提示信息，有利于降低资源管理设备以及支付平台的服务器在执行资源转移方法时消耗的设备资源量。
也可每向中转账户转移一次资源，则令中转账户向资源接收账户转移一次资源，并向所述资源接收账户对应的用户设备发送一次资源转移信息。该实现方式的资源转移实时性较好，但容易导致支付平台的服务器及中转账户的资源管理设备的设备资源浪费。
而当目标账户为所述资源接收账户时，步骤206之后，可包括：获取所述资源管理设备反馈的资源转移成功消息。
基于所述资源转移成功消息，向所述资源接收账户对应的用户设备发送第一资源转移完成信息；所述第一资源转移完成信息用于表示所述第一资源数量的资源已由所述第一账户转移至所述第二账户。
步骤206之后，可包括：获取所述资源管理设备反馈的资源转移成功消息；若已由所述资源支出账户转移至所述资源接收账户的资源总数量小于所述资源转移协议中的约定资源数量，则采用图2中的方法继续将所述资源支出账户中的资源向所述资源支出账户转移，直至由所述资源支出账户转移至所述资源接收账户的资源总数量等于所述资源转移协议中的约定资源数量。
应当理解，本公开一个或多个实施例所述的方法其中部分步骤的顺序可根据实际需要相互交换，或者其中的部分步骤也可省略或删除。
图2中的方法，通过根据资源支出账户的资源转入信息，确定出该资源支出账户内当前可能具有的小于或等于待扣除资源总数(即目标资源数量)的第一资源数量，以请求该资源支出账户的资源管理设备去将所述第一资源数量的资源由所述资源支出账户转移至目标账户，从而无需在资源支出账户内具有大于等于目标资源数量的资源时才能进行扣款。该方案不仅可降低支付平台的服务器尝试对该资源支出账户进行扣款的次数，有利于节省支付平台的服务器在执行扣款操作时所消耗的资源，还有于提升支付平台的服务器从资源支出账户扣除目标资源数量的资源的扣除成功率，可见，该资源转移方法的可靠性及实用性均较好。
基于图2的方法，本公开实施例还提供该方法的一些具体实施方式，下面进行说明。
在本公开实施例中，付款方、收款方需在支付平台处签订资源转移协议，支付平台才能针对付款方及收款方的资源账户执行资源转移操作。而签订资源转移协议的实现方式有多种。
第一种实现方式
付款方和收款方可各自在支付平台处进行授权，以便于基于三方参与，生成资源转移协议。
图3a为本公开实施例提供的一种生成资源转移协议的场景示意图。如图3a所示：
支付平台的服务器301可获取所述资源支出账户的用户设备303(付款方)发送的对于所述资源转移协议的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息。所述第一授权信息用于授予针对所述资源支出账户的扣款权限，即经付款人同意，支付平台的服务器可按照预设频率、额度等，从该资源支出账户转出资源，但无需再与付款人逐笔进行交易确认。
支付平台的服务器301还可获取资源接收账户的用户设备302(收款方)发送的对于资源转移协议的第二授权信息；该第二授权信息至少包括资源接收账户的第二账户信息。所述第二授权信息用于授予为所述资源接收账户提供代扣资源服务的权限，即支付平台可根据收款方的委托，按照预设频率、额度，将付款方的账户内的资源转入至收款方的资源接收账户内。
支付平台的服务器301可基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。在本实现方式中，提供了一种三方签约的实现方式，方便快捷。
第二种实现方式
收款方还可与第三方平台进行交互，以令第三方平台代替收款方去支付平台处进行授权，以便于基于四方参与，生成资源转移协议。
图3b为本公开实施例提供的另一种生成资源转移协议的场景示意图。如图3b所示：支付平台的服务器301可获取所述资源支出账户的用户设备303发送的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息；所述第一授权信息用于授权入驻第三方平台的商户的设备发起所述资源转移请求。
获取所述第三方平台的设备304发送的第二授权信息；所述第二授权信息至少包括入驻所述第三方平台的商户的第二账户信息。所述第二授权信息用于授予支付平台向所述商户提供代扣服务，即允许支付平台接受该商户的委托，将付款方账户内的资源转移至该商户的账户内。
基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
在本实现方式中，第三方平台的商户(收款方)可预先使用资源接收账户的用户设备302与第三方平台的设备304进行交互，签订预授权协议，以令第三方平台可代替该商户与支付平台签订资源转移协议或者发起资源代扣，从而减少收款方与支付平台之间的交互，方便快捷。
在实际应用中，针对资源转移协议签约的双方，可能会存在解约的需求。因此，在本公开实施例中，图2中的方法，还可包括：获取所述签约资源支出账户的用户设备发送的对于所述资源转移协议的解约请求。
基于所述解约请求，向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息。
在本公开实施例中，为保障签约资源接收账户所属用户(即收款方)的权益，当签约资源支出账户所属用户(付款方)提出解约请求后，需在收款方确认允许解约后，才能解除资源转移协议。
因此，所述向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息之后，还可包括：获取所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息。
基于所述解约确认信息，解除所述资源转移协议。
而若在预设时段内，未获取到所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息，则可中止对于所述解约请求的响应。
在本公开实施例中，付款方与收款方在支付平台处签订资源转移协议后，付款方则可发送资源代扣请求，以便于支付平台采用图2中所示的资源转移方法进行资源转移。
因此，图2中的方法，步骤202之前，还可包括：获取资源代扣请求；所述资源代扣请求用于请求将所述资源支出账户的资源转移至所述资源接收账户。
基于所述资源代扣请求，确定所述目标资源数量。
在本公开实施例中，支付平台在执行资源转移方法之前，要确定需从资源支出账户转移至资源接收账户的资源数量，即目标资源数量。而确定目标资源数量的实现方式可有多种。
第一种实现方式
获取所述资源代扣请求中包含的资源转移数量信息。
将所述资源转移数量信息表示的数量确定为所述目标资源数量。
在本实现方式中，商户或者商户所入住的第三方平台在发起资源代扣请求时，可令该资源代扣请求携带资源转移数量信息，以将该资源转移数量信息所指示的资源数量确定为所述目标资源数量。方便快捷。
第二种实现方式
获取所述资源代扣请求中包含的代扣协议号。
确定所述代扣协议号对应的资源转移协议中的约定数量。
将所述约定数量确定为所述目标资源数量。
在本实现方式中，代扣协议号可指针对收款方与付款方的指定交易的唯一扣款 凭证，相当于订单号。从而可将所述代扣协议号对应的资源转移协议中的约定数量确定为所述目标资源数量。方便快捷，且可保证确定出的目标资源数量的准确性。
在实际应用中，为避免收款方使用编造的信息，发起恶意资源代扣请求，并从资源支出账户处不当获利。在所述获取资源代扣请求之后，或者，在执行图2中方法之前，还可包括：获取所述资源代扣请求中包含的代扣协议号。
基于所述代扣协议号，校验所述资源代扣请求。
若所述资源代扣请求通过校验，则获取所述资源支出账户的资源转入信息。
若所述资源代扣请求未通过校验，则中止资源转移操作。以保障资源支出账户中的资源的安全性。
所述基于所述代扣协议号，校验所述资源代扣请求，具体可包括：查找所述代扣协议号对应的资源转移协议。
若查找到，判断是否发起所述资源代扣请求的账户为所述资源转移协议中的签约资源接收账户，并且所述资源代扣请求所请求转移的资源所属的账户为所述资源转移协议中的签约资源支出账户，得到第一判断结果。
若所述第一判断结果为是，校验通过。若所述第一判断结果为否，校验未通过。
在本公开实施例中，为进一步保护资源支出账户内的资源的安全性。图2中的方法，还可包括：判断所述资源代扣请求所请求扣除的资源数量是否超过所述资源转移协议中设定的免确认额度，得到第三判断结果。所述资源转移协议中设定的免确认额度可根据实际情况确定，对此不作具体限定。
若所述第三判断结果表示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度，向所述资源支出账户的用户设备发送提示信息；所述提示信息用于提示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度。
获取所述资源支出账户的用户设备反馈的确认信息；所述确认信息用于表示所述资源支出账户的用户同意扣除所述资源代扣请求所请求扣除的资源数量。
若在设定时间内获取到所述确认信息，则向所述资源支出账户的资源管理设备发送所述资源转移请求。当所述提示信息具体为包含确认码的短信时，所述确认信息可为包含所述确认码的信息。
若在设定时间内，未获取到所述资源支出账户的用户设备反馈的确认信息，则停止执行所述资源代扣请求对应的操作。
在本实现方式中，当所述资源代扣请求所请求扣除的资源数量超过所述资源转移协议中设定的免确认额度时，需在付款方同意扣除所述资源代扣请求所请求扣除的资源数量后，再执行资源转移操作，有利于保障付款方的资源支出账户中的资源的安全性及可控性。
基于同样的思路，本公开实施例还提供了一种资源代扣请求的发送方法。图4为本公开实施例提供的一种资源代扣请求的发送方法的流程示意图。图4中方法的执行主体可为资源接收账户的用户设备，或者资源接收账户的用户设备中的程序。如图4所示，该方法可包括：步骤402：资源接收账户的用户设备向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行图2中方法及其实施例所示的资源转移方法。
在本公开实施例中，所述资源代扣请求中可包含目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。或者，所述资源代扣请求中可包含代扣协议号，该代扣协议号可指针对收款方与付款方的指定交易的唯一扣款凭证，相当于订单号。从而可将所述代扣协议号对应的资源转移协议中的约定数量确定为所述目标资源数量。方便快捷。
在本公开实施例中，资源接收账户的用户设备在发起资源代扣请求之前，需在支付平台处进行授权，以令支付平台可向该资源接收账户提供资源代扣服务。因此，步 骤402之前，还可包括：资源接收账户的用户设备向所述支付平台的服务器发送对于资源转移协议的授权信息；所述授权信息至少包括所述资源接收账户的账户信息。
同理，资源支出账户的用户设备也需向所述支付平台的服务器发送对于资源转移协议的授权信息；所述授权信息至少包括所述资源支出账户的账户信息。以便于支付平台基于资源接收账户的用户设备和资源支出账户的用户设备发送的授权信息，生成资源转移协议。
或者，当付款方在收款方处进行交易时，收款方可向付款方出示图形码，以基于该图形码生成资源转移协议。
因此，所述资源接收账户的用户设备向支付平台的服务器发送资源代扣请求之前，还可包括：资源接收账户的用户设备显示包含码图像的签约界面；所述码图像包含与所述资源接收账户相关的账户信息；所述码图像用于被另外的用户设备扫描以生成授权请求；所述授权请求用于授权对所述资源接收账户发起的资源代扣请求进行免密支付。
图5为本公开实施例提供的一种资源接收账户的用户设备的应用界面示意图。如图5所示：当收款方与付款方进行交易时，收款方的资源接收账户的用户设备的界面501中可显示用于与付款方针对资源转移协议进行签约的图形码502。该图形码既可是二维码也可是条形码，或者，还可其他类型的图形码，对此不作具体限定。在实际应用中，该资源接收账户的用户设备的界面501既可是支付平台提供的网页页面或应用页面，也可是商户(收款方)所入住的第三方平台所提到的网页页面或应用页面，对此不作具体限定。
图6为本公开实施例提供的一种资源支出账户的用户设备的应用界面示意图。如图6所示：当付款方使用资源支出账户的用户设备扫描资源接收账户的用户设备展示的用于签约的图形码后，资源支出账户的用户设备的界面601中可显示该资源支出账户的账户信息602，以及与待签约的服务相关的信息603，若付款方同意接受该服务，则可点击“同意”按钮604，从而与收款方签订资源转移协议，若不同意接受该服务，则可点击“不同意”按钮605，从而中止与收款方签订资源转移协议。
在本公开实施例中，所述资源接收账户的用户设备向支付平台的服务器发送资源代扣请求之前，还可包括：获取所述支付平台的服务器基于所述授权信息反馈的对应于所述资源转移协议的代扣协议号；保存所述代扣协议号。
所述向支付平台的服务器发送资源代扣请求，具体可包括：向支付平台的服务器发送包含该代扣协议号的资源代扣请求。以便于基于该代扣协议号所指示的待扣款资源数量，对资源支出账户进行资源转移。
在本公开实施例中，当支付平台的服务器采用图2中的方法，将资源支出账户中的资源转入资源接收账户中后，资源接收账户的用户设备还可接收到资源转移提示信息。
因此，步骤402之后，还可包括：获取所述支付平台的服务器响应于所述资源代扣请求而反馈的多个资源转移完成信息；所述多个资源转移完成信息中包含的资源转移数量的总和，等于所述资源代扣请求所请求转移的目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。
基于同样的思路，本公开实施例还提供了一种生成资源支出记录的方法。图7为本公开实施例提供的一种生成资源支出记录的方法的流程示意图。图7中方法的执行主体可为资源支出账户的用户设备，或者资源支出账户的用户设备中的程序。如图7所示，该方法可包括：步骤702：资源支出账户的用户设备获取资源支出信息；所述资源支出信息用于表示基于图2中的资源转移方法由所述资源支出账户支出的资源的第一资源数量。
步骤704：基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
在本公开实施例中，所述获取资源支出信息，具体可包括：获取支付平台的服务器发送的多个资源支出信息；所述多个资源支出信息涉及同一业务信息。
对应的，所述基于所述资源支出信息，生成资源支出记录，具体包括：针对每个所述资源支出信息，生成一条资源支出记录，得到多条资源支出记录。
所述多条资源支出记录中的每条资源支出记录中包含的第一资源数量的总和等于第二资源数量；所述第二资源数量为所述同一业务信息对应的资源支出数量。
在本公开实施例中，通过令资源支出账户的用户设备可生成资源支出记录，以便于付款方了解各个业务结算时所支出的资源总数，有利于提升付款方的用户体验。
图8为本公开实施例提供的一种涉及多方的资源转移方案的流程示意图。如图8所示：步骤802：付款方可使用资源支出账户的用户设备，向支付平台的服务器发送该资源支出账户的第一授权信息。
步骤804：收款方可为第三方平台处入住的商户，收款方可使用资源接收账户的用户设备，向第三方平台的服务器发送该资源接收账户的第二授权信息。
步骤806：第三方平台的服务器可与支付平台的服务器进行交互，以代替收款方发起针对资源转移协议的签约请求。具体的，第三方平台的服务器可生成针对该资源接收账户的第二授权信息并发送至支付平台的服务器。或者，第三方平台的服务器可转发接收到的该资源接收账户的第二授权信息至支付平台的服务器。
步骤808：支付平台的服务器根据第一授权信息及第二授权信息，生成与收款方及付款方对应的资源转移协议。
步骤810：支付平台的服务器发送与该资源转移协议对应的代扣协议号至资源接收账户的用户设备。或者，支付平台的服务器发送与该资源转移协议对应的代扣协议号至第三方平台的服务器，以便于该第三方平台的服务器存储或转发该代扣协议号至该资源接收账户的用户设备。
步骤812：资源接收账户的用户设备基于代扣协议号向支付平台的服务器发起资源代扣请求。或者，资源接收账户的用户设备基于第三方平台的服务器向支付平台的服务器发起与代扣协议号对应的资源代扣请求。
步骤814：支付平台的服务器对资源代扣请求中的代扣协议号进行校验，若通过，则获取资源支出账户的资源转入信息。若不通过，则结束资源转移流程。
步骤816：支付平台的服务器基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量。
步骤818：支付平台的服务器向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
步骤820：支付平台的服务器在确定将所述第一资源数量的资源由所述资源支出账户转移至目标账户后，可向资源支出账户的用户设备发送资源支出信息。
步骤822：资源支出账户的用户设备可根据资源支出信息生成资源支出记录。
步骤824：支付平台的服务器在确定将所述第一资源数量的资源由所述资源支出账户转移至目标账户后，还可判断从资源支出账户转移至目标账户的资源是否达到目标资源数量。
步骤826：若从资源支出账户转移至目标账户的资源达到目标资源数量，且目标资源数量的资源已经转入至资源接收账户，则支付平台的服务器可向资源接收账户的用户设备发送资源转移完成信息。若从资源支出账户转移至目标账户的资源未达到目标资源数量，则可跳转至步骤814，重新获取资源支出账户的资源转入信息，并进行资源转移操作。
基于同样的思路，本公开实施例还提供了图2中方法对应的装置。图9为本公开实施例提供的对应于图2的一种资源转移装置的结构示意图。如图9所示，该装置可 包括：第一获取模块902，用于获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户。
第一确定模块904，用于基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户。
第一发送模块906，用于向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
基于图9的装置，本公开实施例还提供了该装置的一些具体实施方式，下面进行说明。
可选的，图9中的装置，还可包括：第二获取模块，用于获取资源代扣请求；所述资源代扣请求用于请求将所述资源支出账户的资源转移至所述资源接收账户。
第二确定模块，用于基于所述资源代扣请求，确定所述目标资源数量。
第二确定模块，具体可用于：获取所述资源代扣请求中包含的资源转移数量信息；将所述资源转移数量信息表示的数量确定为所述目标资源数量。或者，获取所述资源代扣请求中包含的代扣协议号；确定所述代扣协议号对应的资源转移协议中的约定数量；将所述约定数量确定为所述目标资源数量。
可选的，图9中的装置，还可包括：
代扣协议号获取模块，用于获取所述资源代扣请求中包含的代扣协议号。
校验模块，用于基于所述代扣协议号，校验所述资源代扣请求。
所述第一获取模块902，具体可用于：若所述资源代扣请求通过校验，获取所述资源支出账户的资源转入信息。
校验模块具体可用于：查找所述代扣协议号对应的资源转移协议。
若查找到，判断是否发起所述资源代扣请求的账户为所述资源转移协议中的签约资源接收账户，并且所述资源代扣请求所请求转移的资源所属的账户为所述资源转移协议中的签约资源支出账户，得到第一判断结果。
若所述第一判断结果为是，校验通过。
可选的，所述第一确定模块904，具体可包括：第一确定单元，用于基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量。
判断单元，用于判断所述第二资源数量是否大于所述目标资源数量。
第二确定单元，用于当所述第二资源数量大于所述目标资源数量，确定等于所述目标资源数量的第一资源数量。
第三确定单元，用于当所述第二资源数量不大于所述目标资源数量，确定小于或等于所述第二资源数量的第一资源数量。
可选的，所述第一获取模块902，具体可用于：获取所述资源管理设备发送的包含所述资源支出账户的资源转入数量信息的资源转入信息。
所述第一确定单元，具体用于：基于所述资源转入数量信息，确定转入所述资源支出账户的第二资源数量。
可选的，图9中所述的装置，还可包括；第三获取模块，用于获取所述资源支出账户的历史资源转移数据。
第三确定模块，用于基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入时间。
第四确定模块，用于基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入数量。
所述第一获取模块902，具体可用于：获取时间触发信息；所述时间触发信息用于表示当前时间为针对所述资源支出账户的预计资源转入时间之后的预设时间段内的 时间点。
所述第一确定单元，具体用于：将所述资源支出账户的预计资源转入数量确定为所述第二资源数量。
可选的，所述目标账户为中转账户，图9中所述的装置，还可包括：第二发送模块，用于若已由所述资源支出账户转移至所述中转账户的资源总数量等于所述目标资源数量，向所述中转账户的资源管理设备发送总资源转移请求，所述总资源转移请求用于请求将所述目标资源数量的资源由所述中转账户转移至所述资源接收账户。
第三发送模块，用于向所述资源接收账户对应的用户设备发送资源转移完成信息；所述资源转移完成信息用于表示所述目标资源数量的资源已由所述资源支出账户转移至所述资源接收账户。
可选的，图9中所述的装置，还可包括：第四获取模块，用于获取所述资源支出账户的用户设备发送的对于所述资源转移协议的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息。
第五获取模块，用于获取所述资源接收账户的用户设备发送的对于所述资源转移协议的第二授权信息；所述第二授权信息至少包括所述资源接收账户的第二账户信息。
第一协议生成模块，用于基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
可选的，图9中所述的装置，还可包括：第六获取模块，用于获取所述资源支出账户的用户设备发送的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息；所述第一授权信息用于授权入驻第三方平台的商户的设备发起所述资源转移请求。
第七获取模块，用于获取所述第三方平台的设备发送的第二授权信息；所述第二授权信息至少包括入驻所述第三方平台的商户的第二账户信息。
第二协议生成模块，用于基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
可选的，图9中所述的装置，还可包括：免确认额度判断模块，用于判断所述资源代扣请求所请求扣除的资源数量是否超过所述资源转移协议中设定的免确认额度，得到第三判断结果。
提示信息发送模块，用于若所述第三判断结果表示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度，向所述资源支出账户的用户设备发送提示信息；所述提示信息用于提示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度。
确认信息获取模块，用于获取所述资源支出账户的用户设备反馈的确认信息；所述确认信息用于表示所述资源支出账户的用户同意扣除所述资源代扣请求所请求扣除的资源数量。
第一发送模块，具体用于基于所述确认信息，向所述资源支出账户的资源管理设备发送所述资源转移请求。所述提示信息具体为包含确认码的短信，所述确认信息包含所述确认码。
可选的，图9中所述的装置，还可包括：停止执行模块，用于若在设定时间内，未获取到所述资源支出账户的用户设备反馈的确认信息，停止执行所述资源代扣请求对应的操作。
可选的，图9中所述的装置，还可包括：解约请求获取模块，用于获取所述签约资源支出账户的用户设备发送的对于所述资源转移协议的解约请求。
解约提示信息发送模块，用于基于所述解约请求，向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息。
解约确定信息获取模块，用于获取所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息。
解约模块，用于基于所述解约确认信息，解除所述资源转移协议。
中止响应模块，用于若在预设时段内，未获取到所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息；中止对于所述解约请求的响应。
基于同样的思路，本公开实施例还提供了图4中方法对应的装置。图10为本公开实施例提供的对应于图4中方法的一种资源代扣请求的发送装置的结构示意图。图10中的装置可应用于资源接收账户的用户设备。如图10所示，该装置可包括：第一发送模块1002，用于向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行图2中的资源转移方法。
基于图10的装置，本公开实施例还提供了该装置的一些具体实施方式，下面进行说明。
可选的，图10中的装置，还可包括：第二发送模块，用于向所述支付平台的服务器发送对于资源转移协议的授权信息；所述授权信息至少包括所述资源接收账户的账户信息。
获取模块，用于获取所述支付平台的服务器基于所述授权信息反馈的对应于所述资源转移协议的代扣协议号。
保存模块，用于保存所述代扣协议号。
所述第一发送模块1002，具体可用于：向支付平台的服务器发送包含所述代扣协议号的资源代扣请求。
可选的，图10中的装置，还可包括：签约界面显示模块，用于显示包含码图像的签约界面；所述码图像包含与所述资源接收账户相关的账户信息；所述码图像用于被另外的用户设备扫描以生成授权请求；所述授权请求用于授权对所述资源接收账户发起的资源代扣请求进行免密支付。
可选的，图10中的装置，所述资源代扣请求中可包含目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。
可选的，图10中的装置，还可包括：资源转移完成信息获取模块，用于获取所述支付平台的服务器响应于所述资源代扣请求而反馈的多个资源转移完成信息；所述多个资源转移完成信息中包含的资源转移数量的总和，等于所述资源代扣请求所请求转移的目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。
基于同样的思路，本公开实施例还提供了图7中方法对应的装置。图11为本公开实施例提供的对应于图7中方法的一种生成资源支出记录的装置的结构示意图。图11中的装置可应用于资源支出账户的用户设备。如图11所示，该装置可包括：获取模块1102，用于获取资源支出信息；所述资源支出信息用于表示基于权利要求1所述的资源转移方法由所述资源支出账户支出的资源的第一资源数量。
资源支出记录生成模块1104，用于基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
基于图11的装置，本公开实施例还提供了该装置的一些具体实施方式，下面进行说明。
可选的，图11中的装置，所述获取模块1102，具体可用于：获取支付平台的服务器发送的多个资源支出信息；所述多个资源支出信息涉及同一业务信息。
所述资源支出记录生成模块1104，具体可用于：针对每个所述资源支出信息，生成一条资源支出记录，得到多条资源支出记录。
所述多条资源支出记录中的每条资源支出记录中包含的第一资源数量的总和等于第二资源数量；所述第二资源数量为所述同一业务信息对应的资源支出数量。
基于同样的思路，本公开实施例还提供了图2中方法对应的一种资源转移设备，图4中方法对应的一种资源代扣请求的发送设备，以及图7中方法对应的一种生成资源 支出记录的设备。
图12为本公开实施例提供的一种资源转移设备、一种资源代扣请求的发送设备或者一种生成资源支出记录的设备的结构示意图。
如图12所示，设备1200可包括：至少一个处理器1210；以及，与所述至少一个处理器通信连接的存储器1230；所述存储器1230存储有可被所述至少一个处理器1210执行的指令1220。
当图12中设备作为与图2中方法对应的一种资源转移设备时，所述指令1220可被所述至少一个处理器1210执行，以使所述至少一个处理器1210能够：获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户。
基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户。
向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
当图12中设备作为与图4中方法对应的一种资源代扣请求的发送设备时，所述指令1220可被所述至少一个处理器1210执行，以使所述至少一个处理器1210能够：向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行图2中的资源转移方法。
当图12中设备作为与图7中方法对应的一种生成资源支出记录的设备时，所述指令1220可被所述至少一个处理器1210执行，以使所述至少一个处理器1210能够：获取资源支出信息；所述资源支出信息用于表示基于图2中的资源转移方法由资源支出账户支出的资源的第一资源数量。
基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
本公开中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于图12所示的资源转移设备、资源代扣请求的发送设备或生成资源支出记录的设备而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
在20世纪90年代，对于一个技术的改进可很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字符系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language) 与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可很容易得到实现该逻辑方法流程的硬件电路。
控制器可按任何适当的方式实现，例如，控制器可采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可视为硬件部件内的结构。或者甚至，可将用于实现各种功能的装置视为既可是实现方法的软件模块又可是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字符助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本申请时可把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可由任何方法 或技术来实现信息存储。信息可是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字符多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带式磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本申请的实施例可提供为方法、系统或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本申请可在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可位于包括存储设备在内的本地和远程计算机存储介质中。
以上所述仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求范围之内。

Claims (44)

  1. 一种资源转移方法，包括：
    获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；
    基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；
    向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
  2. 根据权利要求1所述的方法，所述获取资源支出账户的资源转入信息之前，还包括：
    获取资源代扣请求；所述资源代扣请求用于请求将所述资源支出账户的资源转移至所述资源接收账户；
    基于所述资源代扣请求，确定所述目标资源数量。
  3. 根据权利要求2所述的方法，所述基于所述资源代扣请求，确定所述目标资源数量，具体包括：
    获取所述资源代扣请求中包含的资源转移数量信息；
    将所述资源转移数量信息表示的数量确定为所述目标资源数量。
  4. 根据权利要求2所述的方法，所述基于所述资源代扣请求，确定所述目标资源数量，具体包括：
    获取所述资源代扣请求中包含的代扣协议号；
    确定所述代扣协议号对应的资源转移协议中的约定数量；
    将所述约定数量确定为所述目标资源数量。
  5. 根据权利要求2所述的方法，所述获取资源代扣请求之后，还包括：
    获取所述资源代扣请求中包含的代扣协议号；
    基于所述代扣协议号，校验所述资源代扣请求；
    所述获取资源支出账户的资源转入信息，具体包括：
    若所述资源代扣请求通过校验，获取所述资源支出账户的资源转入信息。
  6. 根据权利要求5所述的方法，所述基于所述代扣协议号，校验所述资源代扣请求，具体包括：
    查找所述代扣协议号对应的资源转移协议；
    若查找到，判断是否发起所述资源代扣请求的账户为所述资源转移协议中的签约资源接收账户，并且所述资源代扣请求所请求转移的资源所属的账户为所述资源转移协议中的签约资源支出账户，得到第一判断结果；
    若所述第一判断结果为是，校验通过。
  7. 根据权利要求1所述的方法，所述基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量，具体包括：
    基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量；
    判断所述第二资源数量是否大于所述目标资源数量，得到第二判断结果；
    当所述第二判断结果表示所述第二资源数量大于所述目标资源数量，确定等于所述目标资源数量的第一资源数量；
    当所述第二判断结果表示所述第二资源数量不大于所述目标资源数量，确定小于或等于所述第二资源数量的第一资源数量。
  8. 根据权利要求7所述的方法，所述获取资源支出账户的资源转入信息，具体包括：
    获取所述资源管理设备发送的包含所述资源支出账户的资源转入数量信息的资源 转入信息；
    所述基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量，包括：
    基于所述资源转入数量信息，确定转入所述资源支出账户的第二资源数量。
  9. 根据权利要求7所述的方法，所述获取资源支出账户的资源转入信息，包括：
    获取时间触发信息；所述时间触发信息用于表示当前时间为针对所述资源支出账户的预计资源转入时间之后的预设时间段内的时间点；
    所述确定转入所述资源支出账户的第二资源数量，包括：
    将所述资源支出账户的预计资源转入数量确定为所述第二资源数量。
  10. 根据权利要求9所述的方法，所述获取资源支出账户的资源转入信息之前，还包括；
    获取所述资源支出账户的历史资源转移数据；
    基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入时间；
    基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入数量。
  11. 根据权利要求1所述的方法，所述目标账户为中转账户。
  12. 根据权利要求11所述的方法，还包括：
    若已由所述资源支出账户转移至所述中转账户的资源总数量等于所述目标资源数量，向所述中转账户的资源管理设备发送总资源转移请求，所述总资源转移请求用于请求将所述目标资源数量的资源由所述中转账户转移至所述资源接收账户；
    向所述资源接收账户对应的用户设备发送资源转移完成信息；所述资源转移完成信息用于表示所述目标资源数量的资源已由所述资源支出账户转移至所述资源接收账户。
  13. 根据权利要求2所述的方法，还包括：
    判断所述资源代扣请求所请求扣除的资源数量是否超过所述资源转移协议中设定的免确认额度，得到第三判断结果；
    若所述第三判断结果表示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度，向所述资源支出账户的用户设备发送提示信息；所述提示信息用于提示所述资源代扣请求所请求扣除的资源数量超过所述免确认额度；
    获取所述资源支出账户的用户设备反馈的确认信息；所述确认信息用于表示所述资源支出账户的用户同意扣除所述资源代扣请求所请求扣除的资源数量；
    基于所述确认信息，向所述资源支出账户的资源管理设备发送所述资源转移请求。
  14. 根据权利要求13所述的方法，所述提示信息具体为包含确认码的短信，所述确认信息包含所述确认码。
  15. 根据权利要求14所述的方法，所述向所述资源支出账户的用户设备发送提示信息之后，还包括：
    若在设定时间内，未获取到所述资源支出账户的用户设备反馈的确认信息，停止执行所述资源代扣请求对应的操作。
  16. 根据权利要求1所述的方法，所述获取资源支出账户的资源转入信息之前，还包括：
    获取所述资源支出账户的用户设备发送的对于所述资源转移协议的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息；
    获取所述资源接收账户的用户设备发送的对于所述资源转移协议的第二授权信息；所述第二授权信息至少包括所述资源接收账户的第二账户信息；
    基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
  17. 根据权利要求1所述的方法，所述获取资源支出账户的资源转入信息之前，还包括：
    获取所述资源支出账户的用户设备发送的第一授权信息；所述第一授权信息至少 包括所述资源支出账户的第一账户信息；所述第一授权信息用于授权入驻第三方平台的商户的设备发起所述资源转移请求；
    获取所述第三方平台的设备发送的第二授权信息；所述第二授权信息至少包括入驻所述第三方平台的商户的第二账户信息；
    基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
  18. 根据权利要求1所述的方法，还包括：
    获取所述签约资源支出账户的用户设备发送的对于所述资源转移协议的解约请求；
    基于所述解约请求，向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息。
  19. 根据权利要求18所述的方法，所述向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息之后，还包括：
    获取所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息；
    基于所述解约确认信息，解除所述资源转移协议。
  20. 根据权利要求18所述的方法，所述向所述资源转移协议中的签约资源接收账户的用户设备发送解约提示信息之后，还包括：
    若在预设时段内，未获取到所述签约资源接收账户的用户设备响应于所述解约提示信息发送的解约确认信息；
    中止对于所述解约请求的响应。
  21. 一种资源代扣请求的发送方法，包括：
    资源接收账户的用户设备向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行权利要求1所述的资源转移方法。
  22. 根据权利要求21所述的方法，所述资源代扣请求中包含目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。
  23. 根据权利要求21所述的方法，所述资源接收账户的用户设备向支付平台的服务器发送资源代扣请求之前，还包括：
    向所述支付平台的服务器发送对于资源转移协议的授权信息；所述授权信息至少包括所述资源接收账户的账户信息；
    获取所述支付平台的服务器基于所述授权信息反馈的对应于所述资源转移协议的代扣协议号；
    保存所述代扣协议号。
  24. 根据权利要求23所述的方法，所述向支付平台的服务器发送资源代扣请求，包括：
    向支付平台的服务器发送包含所述代扣协议号的资源代扣请求。
  25. 根据权利要求21所述的方法，所述资源接收账户的用户设备向支付平台的服务器发送资源代扣请求之前，还包括：
    显示包含码图像的签约界面；所述码图像包含与所述资源接收账户相关的账户信息；所述码图像用于被另外的用户设备扫描以生成授权请求；所述授权请求用于授权对所述资源接收账户发起的资源代扣请求进行免密支付。
  26. 根据权利要求21所述的方法，还包括：
    获取所述支付平台的服务器响应于所述资源代扣请求而反馈的多个资源转移完成信息；所述多个资源转移完成信息中包含的资源转移数量的总和，等于所述资源代扣请求所请求转移的目标资源数量，所述目标资源数量为应由资源支出账户转移至所述资源接收账户的资源数量。
  27. 一种生成资源支出记录的方法，包括：
    资源支出账户的用户设备获取资源支出信息；所述资源支出信息用于表示基于权 利要求1所述的资源转移方法由所述资源支出账户支出的资源的第一资源数量；
    基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
  28. 根据权利要求27所述的方法，所述获取资源支出信息，包括：
    获取支付平台的服务器发送的多个资源支出信息；所述多个资源支出信息涉及同一业务信息；
    所述基于所述资源支出信息，生成资源支出记录，包括：
    针对每个所述资源支出信息，生成一条资源支出记录，得到多条资源支出记录；
    所述多条资源支出记录中的每条资源支出记录中包含的第一资源数量的总和等于第二资源数量；所述第二资源数量为所述同一业务信息对应的资源支出数量。
  29. 一种资源转移装置，包括：
    第一获取模块，用于获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；
    第一确定模块，用于基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；
    第一发送模块，用于向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
  30. 根据权利要求29所述的装置，还包括：
    第二获取模块，用于获取资源代扣请求；所述资源代扣请求用于请求将所述资源支出账户的资源转移至所述资源接收账户；
    第二确定模块，用于基于所述资源代扣请求，确定所述目标资源数量。
  31. 根据权利要求29所述的装置，所述第一确定模块，包括：
    第一确定单元，用于基于所述资源转入信息，确定转入所述资源支出账户的第二资源数量；
    判断单元，用于判断所述第二资源数量是否大于所述目标资源数量；
    第二确定单元，用于当所述第二资源数量大于所述目标资源数量，确定等于所述目标资源数量的第一资源数量；
    第三确定单元，用于当所述第二资源数量不大于所述目标资源数量，确定小于或等于所述第二资源数量的第一资源数量。
  32. 根据权利要求31所述的装置，
    所述第一获取模块，用于：获取所述资源管理设备发送的包含所述资源支出账户的资源转入数量信息的资源转入信息；
    所述第一确定单元，用于：基于所述资源转入数量信息，确定转入所述资源支出账户的第二资源数量。
  33. 根据权利要求31所述的装置，还包括；
    第三获取模块，用于获取所述资源支出账户的历史资源转移数据；
    第三确定模块，用于基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入时间；
    第四确定模块，用于基于所述历史资源转移数据，确定所述资源支出账户的预计资源转入数量；
    所述第一获取模块，用于：获取时间触发信息；所述时间触发信息用于表示当前时间为针对所述资源支出账户的预计资源转入时间之后的预设时间段内的时间点；
    所述第一确定单元，用于：将所述资源支出账户的预计资源转入数量确定为所述第二资源数量。
  34. 根据权利要求29所述的装置，所述目标账户为中转账户，还包括：
    第二发送模块，用于若已由所述资源支出账户转移至所述中转账户的资源总数量等于所述目标资源数量，向所述中转账户的资源管理设备发送总资源转移请求，所述总资源转移请求用于请求将所述目标资源数量的资源由所述中转账户转移至所述资源接收账户；
    第三发送模块，用于向所述资源接收账户对应的用户设备发送资源转移完成信息；所述资源转移完成信息用于表示所述目标资源数量的资源已由所述资源支出账户转移至所述资源接收账户。
  35. 根据权利要求29所述的装置，还包括：
    第四获取模块，用于获取所述资源支出账户的用户设备发送的对于所述资源转移协议的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息；
    第五获取模块，用于获取所述资源接收账户的用户设备发送的对于所述资源转移协议的第二授权信息；所述第二授权信息至少包括所述资源接收账户的第二账户信息；
    第一协议生成模块，用于基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
  36. 根据权利要求29所述的装置，还包括：
    第六获取模块，用于获取所述资源支出账户的用户设备发送的第一授权信息；所述第一授权信息至少包括所述资源支出账户的第一账户信息；所述第一授权信息用于授权入驻第三方平台的商户的设备发起所述资源转移请求；
    第七获取模块，用于获取所述第三方平台的设备发送的第二授权信息；所述第二授权信息至少包括入驻所述第三方平台的商户的第二账户信息；
    第二协议生成模块，用于基于所述第一账户信息与所述第二账户信息，生成所述资源转移协议。
  37. 一种资源代扣请求的发送装置，应用于资源接收账户的用户设备，包括：
    第一发送模块，用于向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行权利要求1所述的资源转移方法。
  38. 根据权利要求37所述的装置，还包括：
    第二发送模块，用于向所述支付平台的服务器发送对于资源转移协议的授权信息；所述授权信息至少包括所述资源接收账户的账户信息；
    获取模块，用于获取所述支付平台的服务器基于所述授权信息反馈的对应于所述资源转移协议的代扣协议号；
    保存模块，用于保存所述代扣协议号；
    所述第一发送模块，用于：向支付平台的服务器发送包含所述代扣协议号的资源代扣请求。
  39. 根据权利要求37所述的装置，还包括：
    签约界面显示模块，用于显示包含码图像的签约界面；所述码图像包含与所述资源接收账户相关的账户信息；所述码图像用于被另外的用户设备扫描以生成授权请求；所述授权请求用于授权对所述资源接收账户发起的资源代扣请求进行免密支付。
  40. 一种生成资源支出记录的装置，应用于资源支出账户的用户设备，包括：
    获取模块，用于获取资源支出信息；所述资源支出信息用于表示基于权利要求1所述的资源转移方法由所述资源支出账户支出的资源的第一资源数量；
    资源支出记录生成模块，用于基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
  41. 根据权利要求40所述的装置，
    所述获取模块，用于：获取支付平台的服务器发送的多个资源支出信息；所述多个资源支出信息涉及同一业务信息；
    所述资源支出记录生成模块，用于：
    针对每个所述资源支出信息，生成一条资源支出记录，得到多条资源支出记录；
    所述多条资源支出记录中的每条资源支出记录中包含的第一资源数量的总和等于第二资源数量；所述第二资源数量为所述同一业务信息对应的资源支出数量。
  42. 一种资源转移设备，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：
    获取资源支出账户的资源转入信息；所述资源支出账户为资源转移协议中的签约资源支出账户；
    基于所述资源转入信息，确定小于或等于目标资源数量的第一资源数量；所述目标资源数量为应由所述资源支出账户转移至资源接收账户的资源数量；所述资源接收账户为所述资源转移协议中的签约资源接收账户；
    向所述资源支出账户的资源管理设备发送资源转移请求，所述资源转移请求用于请求将所述第一资源数量的资源由所述资源支出账户转移至目标账户。
  43. 一种资源代扣请求的发送设备，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：
    向支付平台的服务器发送资源代扣请求；所述资源代扣请求用于请求所述支付平台的服务器执行权利要求1所述的资源转移方法。
  44. 一种生成资源支出记录的设备，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：
    获取资源支出信息；所述资源支出信息用于表示基于权利要求1所述的资源转移方法由资源支出账户支出的资源的第一资源数量；
    基于所述资源支出信息，生成资源支出记录；所述资源支出记录中包含所述第一资源数量，以及所述资源支出信息涉及的业务信息。
PCT/CN2021/097712 2020-06-03 2021-06-01 资源转移 WO2021244537A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN202010496581.8A CN111709733B (zh) 2020-06-03 2020-06-03 一种资源转移方法、装置及设备
CN202010496581.8 2020-06-03

Publications (1)

Publication Number Publication Date
WO2021244537A1 true WO2021244537A1 (zh) 2021-12-09

Family

ID=72538832

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2021/097712 WO2021244537A1 (zh) 2020-06-03 2021-06-01 资源转移

Country Status (2)

Country Link
CN (1) CN111709733B (zh)
WO (1) WO2021244537A1 (zh)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111709733B (zh) * 2020-06-03 2022-04-29 支付宝(杭州)信息技术有限公司 一种资源转移方法、装置及设备
CN112102072A (zh) * 2020-09-27 2020-12-18 中国建设银行股份有限公司 一种资源转移方法、装置及存储介质
CN112581284B (zh) * 2020-12-28 2024-05-03 深圳海付移通科技有限公司 资源转移数据的处理方法、系统、计算机设备和存储介质
CN114912914A (zh) * 2021-02-08 2022-08-16 网银在线（北京）科技有限公司 资源的处理方法、装置、计算机设备和存储介质

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103578027A (zh) * 2012-08-07 2014-02-12 腾讯科技（深圳）有限公司 一种转账的方法和装置
US10163107B1 (en) * 2016-03-31 2018-12-25 Square, Inc. Technical fallback infrastructure
CN109697661A (zh) * 2018-11-19 2019-04-30 中国银行股份有限公司 一种账户管理系统
CN110298644A (zh) * 2019-05-27 2019-10-01 阿里巴巴集团控股有限公司 账户追款方法、装置、服务器及可读存储介质
CN111709733A (zh) * 2020-06-03 2020-09-25 支付宝(杭州)信息技术有限公司 一种资源转移方法、装置及设备

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7917434B2 (en) * 2002-08-13 2011-03-29 International Business Machines Corporation Method for planning commercial financing payment
US20130282443A1 (en) * 2012-04-18 2013-10-24 Sahib Bal Seller url monitoring systems and methods
CN108734452B (zh) * 2017-04-13 2021-08-17 创新先进技术有限公司 互联网资源转移方法、转账方法及装置
CN109426955B (zh) * 2017-08-23 2023-01-17 腾讯科技（深圳）有限公司 目标对象提供方法、装置及系统
CN110390522A (zh) * 2018-04-19 2019-10-29 北京三快在线科技有限公司 虚拟资源管理方法与装置
CN108765128A (zh) * 2018-04-26 2018-11-06 卫盈联信息技术（深圳）有限公司 贷款自动还款方法、系统、设备及存储介质
CN109711824B (zh) * 2019-01-02 2022-10-25 深圳壹账通智能科技有限公司 资源转移方法、装置、计算机设备和存储介质
CN110428326A (zh) * 2019-08-06 2019-11-08 深圳市拜特科技股份有限公司 一种还款监控方法及装置
CN110648127B (zh) * 2019-08-13 2023-10-31 盛银数科(沈阳)技术有限公司 资源转移方法、装置、计算机设备和存储介质
CN111144863A (zh) * 2019-12-16 2020-05-12 深圳市融壹买信息科技有限公司 代扣账户的银行卡信息变更的处理方法、装置及相关设备
CN111080276A (zh) * 2019-12-31 2020-04-28 北京三快在线科技有限公司 代扣订单的支付方法、装置、设备及存储介质

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103578027A (zh) * 2012-08-07 2014-02-12 腾讯科技（深圳）有限公司 一种转账的方法和装置
US10163107B1 (en) * 2016-03-31 2018-12-25 Square, Inc. Technical fallback infrastructure
CN109697661A (zh) * 2018-11-19 2019-04-30 中国银行股份有限公司 一种账户管理系统
CN110298644A (zh) * 2019-05-27 2019-10-01 阿里巴巴集团控股有限公司 账户追款方法、装置、服务器及可读存储介质
CN111709733A (zh) * 2020-06-03 2020-09-25 支付宝(杭州)信息技术有限公司 一种资源转移方法、装置及设备

Also Published As

Publication number Publication date
CN111709733B (zh) 2022-04-29
CN111709733A (zh) 2020-09-25

Similar Documents

Publication Publication Date Title
WO2021244537A1 (zh) 资源转移
TW201911162A (zh) 加油、加油結算、加油支付方法、裝置以及電子設備
KR20200079290A (ko) 자금 흐름 방법과 장치, 및 전자 디바이스
US20240212012A1 (en) Reimbursement code-based data processing method and device
WO2019196543A1 (zh) 二维码图片获取方法、装置以及设备
US20120323765A1 (en) Gift card to credit card transference
WO2022247961A1 (zh) 基于报销码的代扣处理
US20150199670A1 (en) Systems and methods for performing financial transactions
US10643275B2 (en) Methods and systems for managing consumer savings with credit card transactions
TW201935373A (zh) 退稅方法、裝置及設備
WO2021147589A1 (zh) 一种签约方法、装置及设备
WO2021218743A1 (zh) 资源转移任务的触发
US20190213596A1 (en) Tokenisation platform and computer-implemented method for generating a modified payment token for an express payment transaction
WO2023151438A1 (zh) 支付交互处理
WO2023284558A1 (zh) 基于聚合码的支付页面发送
TW202001708A (zh) 一種信用退稅方法、裝置、系統及電子設備
CN116503065A (zh) 订单处理系统、方法、装置、存储介质及设备
WO2023226799A1 (zh) 一种发票请求处理方法、装置及设备
WO2024032356A1 (zh) 基于预付凭证的支付处理方法及装置
WO2024055779A1 (zh) 账单处理方法及装置
WO2023226847A1 (zh) 一种延迟开票请求处理方法、装置及设备
AU2012369168B2 (en) Mobile money order
US20240094960A1 (en) Systems and methods for real time access to external resource
WO2019137357A1 (zh) 付款码获取、支付请求响应方法、装置以及设备
WO2021208755A1 (zh) 数据处理、支付

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 21819005

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 21819005

Country of ref document: EP

Kind code of ref document: A1